vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
The bank refuses to provide me any records and requests that I go into the bank to fill out forms in order to get such information. I work full time and do not have time to go into a branch. I have communicated this with the bank. 

I had a business checking account and a personal checking account with bank of the west. I use my personal checking account to pay bills through. I deposit money by check into my checking account to cover upcoming expenses. I currently have collection activity in the amount of $ 800+ in fees from bank of the west. 

What has caused this are all of the fees imposed by the bank, because it appears they intentionally withheld a check deposit. This was a check from a source that I regularly deposit from. There was no reason they could provide me on why the funds were held and it appears that they withheld the funds to collect account fees. Coincidentally, the day after the fees appeared on the account the check was cleared and my account was negatively drawn. Every member at the bank that I spoke to would not or could not provide me with any answers. In fact, the bank members told me that the deposit was received 24 hours after I went into the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I recently obtained a mortgage from HSBC. Initially, we were offered a rate which we " locked in ''. I signed the lock in agreement with HSBC specifying the rate and the subject property ( with the actual address ). Later, during the underwriting process, the loan officer changed the rate to a higher rate in violation of the lock in agreement even though nothing had changed. The property was the same exact property as listed in the original lock in agreement. I protested and insisted that we had a binding agreement. The lender would not budge. The closing date for the property sale was nearing and I had already paid for an appraisal assuming the lock in rate. I could not seek out another lender as it would cost me a second appraisal and would result in the seller potentially issuing a " failure to perform '' per the sale contract. I was over a barrel. I feel that this was a clear case of " bait and switch '' in which a lower rate was offered at first only to be revoked later when I could not switch lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Van Ru Credit Corporation
State: NV

Complaint narrative:
I've asked them not to call, also informed the receptionist not to contact me at work and relay that but they continue to call my work place after asking multiple times not to. Also received automatize calls to work saying it is " Kelly Smith '' trying to contact me ( XXXX XXXX ) and jams the work office number and am getting in trouble for it at my place of employment. The continue to call despite all my efforts to stop them from contacting me there. Not sure who the person is or what type of debt as they just autodial my work office number.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I opened an account with XXXX ( Commenity Bank ) and kept the account current until several months ago when Commenity started charging late fees after they increased the amount they wanted me to pay monthly, that I could not afford. I spoke with their collections office on several occasions and was asked to provide a date when I would be able to get the account up to date. They continued to add late fees, I continued to be unable to afford the elevated payment. Commenity has several offices calling me from several different phone numbers for collections practices and they are also texting me. I have had to block several of the numbers as I am getting called from this company 10-15 times on average per per day. Sometimes it's even more. They are also calling my family members-cousins, nieces and brothers and neighbors. I am XXXX and not in the best of health. I have tried to work out payments with several of their staff, but they are demanding I give them my bank account information so they can do auto drafts from the account. I am the victim of identity theft, I won't release that information to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FACTUAL DATA CORP.
State: PA

Complaint narrative:
FRAUDULENT INQUIRIES DELETE IMMEDIATELY 1. XXXX   XXXX XXXX XXXX WA XXXX XXXX 2. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA , XXXX 3. Factual Data XXXX Factual Data XXXX PA XXXX XXXX 4. XXXX XXXX XXXX  XXXX FL XXXX XXXX 5.XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX 6.Factual Data  XXXX Factual   data XXXX PA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting. 






Re-investigate and Remove this item from my credit reports ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I graduated college in XXXX. My first payments were around {$200.00} and I could manage that. Within a year, for reasons unknown, the amount increased drastically to around {$400.00}. Unable to make this payment and petrified I would go into default, I contacted Navient. The CSR explained I could go into forebearance, and I distinctly remembering being told I could only be in forebearance for a year. Fast forward to XXXX and the financial collapse, I contacted Navient again and was told not to worry, forebearance was an option. There was never a mention of the income driven repayment plan and I didn't learn such a payment vehicle existed until I read an article in XXXX XXXX in XXXX. I am currently on an IDR, but what is very frustrating is had I been on one back in XXXX, my loans would be nearing completion. Instead, I have thousands of dollars in interest charges! I sent letters to Navient over the years asking why my balance was so exorbitant, and never received a response. I simply don't understand why I wasn't offered an IDR plan rather than put into forebearance. That article in CR I referred to was titled I Kind of Ruined My Life by Going to College and while I am a proponent of education, I can safely say it ruined my financial life. Any assistance the CFPB can provide in the possible abatement of a portion of the interest charges would be an amazing fete for which I would be unbelievably grateful!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting. 






Re-investigate and Remove this item from my credit reports ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been charged a late fee in XX/XX/2019 by Wells Fargo because my payment was cleared before their billing cycle ended. As a result, they took the payment and applied it to the balance and did not count it towards my payment that was due on the XXXX of XXXX. Their representative stated this is clearly outlined on my statement when in fact there is nothing. According to her, my payment needs to be made after the close of the billing cycle in order for it to be applied to the current statement balance. 
In other words, if I make a payment on the first of the month, and before the XXXX of the month, Wells Fargo applies this as an additional principle payment and ignores the current amount due. They then charge me a late fee of {$38.00} and add {$1.00} of interest to the next payment. 
I received no notification that I had a late payment or an explanation as to why my payment was not applied to my account other than it was outside their billing cycles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The investigation for hard inquiry from XXXX ( XX/XX/2018 ) has been completed by Equifax without verifying the record with XXXX XXXX. XXXX XXXX has already reported the hard inquiry dated XX/XX/2018, as a fraudulent inquiry, however, Equifax infringes Fair credit reporting act by not removing/masking the hard inquiry by executing a scam of fake investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
**This issue needs to be expedited due to the faulty work of an Equifax employee** This issue was originally disputed with Equifax under confirmation number XXXX and the subject account XXXX XXXX XXXX was updated to reflect XXXX  balance and paid in full on XX/XX/2019. 

On, XX/XX/2019, Equifax initiates confirmation number XXXX with the same above account information and changes it to a balance of {$1000.00} and a collection account. 

The balance is XXXX, it NEVER was a collection account. Both XXXX  and XXXX   processed the dispute properly as a paid in full account with a XXXX  balance. 

Of course, as expected Equifax did not process this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Experian and XXXX credit report show that they are using a 3rd party XXXX  XXXX to verify a bankruptcy on my credit report. This is a violation of the fair Credit report act. There are errors in this report. I have contacted the courts ( letter attached ). They have not verified any of this information with Experian or XXXX. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have had a security freeze and fraud alert placed on my account since XX/XX/2019 after a fraudulent account was opened on my credit report. Since the freeze, I have continued to receive alerts for fraudulent accounts and specifically, rental screenings that are being completed by Transunion XXXX XXXX XXXX. On XX/XX/2019 I told the company that the inquiry was fraudulent when an applicant attempted to apply for a community in Florida. I have since received 2 more inquiries and Im told by transunion that theres nothing I can do to stop their rental screening process, despite explaining that I have no intentions of applying to any rental communities in the foreseeable future. Even after disputing, the company will not remove the inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
**This issue needs to be expedited due to the faulty work of an XXXX  employee** This issue was originally disputed with XXXX  under confirmation number XXXX and the subject account Cap One/Neiman Marcus was updated to reflect XXXX  balance and paid in full on XX/XX/2019. 

On, XX/XX/2019, XXXX  initiates confirmation number XXXX with the same above account information and changes it to a balance of {$1000.00} and a collection account. 

The balance is XXXX, it NEVER was a collection account. Both XXXX  and XXXX   processed the dispute properly as a paid in full account with a XXXX  balance. 

Of course, as expected XXXX  did not process this properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$160.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My XXXX  and equifax credit report show that they are using a 3rd party XXXX  XXXX to verify a bankruptcy on my credit report. This is a violation of the fair Credit report act. There are errors in this report. I have contacted the courts ( letter attached ). They have not verified any of this information with XXXX or Equifax. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Borrower applied for a loan modification but was denied. The explanation for denial was borrower 's income was insufficient. After receiving the written denial explanation we determined the income was calculated incorrectly. Chase will not open another review after our appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
" Pay Pal XXXX XXXX '' has not released my funds when they said they would be available on 3 separate occasions. All donations received " on or before the XXXX of the month '' are supposed to be released " on the XXXX of that month ''. When this didn't happen the first time, they told me I " didn't validate my bank account in time ''. So when I fixed that alleged error, they said " there would be a special payout on the XXXX of the following month which was to include all of the previous month 's donations ''. When this didn't happen I called back to receive another excuse saying that they are " having issues with their back end pay outs ''. Whatever that means. Then the next month on the XXXX I received a random amount of funds that was not even close to the amount that they owed me. Their excuse this time, is that " the back end payouts system was changed and that put them behind and I should receive the rest of my donations before XXXX ''. Each time I call, I am placed on hold/on the phone for at least an hour, as the " Pay Pal XXXX XXXX '' has no direct line. Due to this, they make you wait on hold for a representative that can not help you only to be transfered to the correct department and wait on hold even longer. Most of their representatives don't even know what you're talking about and are unable/unwilling to help. There are no definites in their answers either, just vague maybes and open ended dates. They even tell you there is no direct way to reach their department. What they are doing is operating under the guise of " helping '' non profits, but what they are really doing is holding their money illegally, breaking their promises/comittements, all while taking their fees off of the top to ensure they get paid. I think they use the donations to their own personal benefit and simply do not have the funds available on the day they are due. This is criminal and they should be stopped and shut down ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian contacted " XXXX XXXXt '' ( company name ) for a XXXX XXXX  cable bill and they don't own the bill anymore. XXXX  is the one that has the debt. I have paid the debt with XXXX ( attached ) but Experian during the dispute dropped my credit rating 17  points ( is that personal? ) but more importantly " XXXX XXXX '' no longer owns the debt. and XXXX is not reporting this to my credit. Lastly the dispute has been settled. but Experian has the request locked so I cant even add the new information or contact them by phone. it says both settled in in dispute for a week now, see attached. PS all 3 reporting XXXX, XXXX XXXX and Experian all falsely have " XXXX XXXX '' as the owner of this debt. so I cant see to get through to any of them on this. and XXXX XXXX  wont help as they don't own it anymore : (

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
FRAUDULENT INQUIRIES DELETE IMMEDIATELY 1. XXXX XX/XX/XXXX XXXX XXXX WA , XXXX   2. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA , XXXX  3. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PA , XXXX  4. SYNCB  XX/XX/XXXX Syncb XXXX FL , XXXX  5.XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX  6.XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation