vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Made a payment for {$1000.00} on XX/XX/18, and was alerted there would be a 24-72 hr hold on my payment. 
Spoke with XXXX at XXXX then account managers XXXX , and another woman told me my payment would be held for 10 days, not 3.  I repeatedly asked to speak with their immediate manager and I was on hold for over an 1 hr and a half. XXXX then answered the line and I asked why my payment was being held if monies had been withdrawn from my bank account and applied to my credit account, he refused to answer then stated he WOULD NOT furnish terms and conditions that stated my payment would be held for ten days. The recorded call ended after 1 hour and 34 minutes.

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 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My loan was sold by XXXX and is now being serviced by XXXX XXXX and the loan number is XXXX. XXXX has been servicing my loan sinceXX/XX/XXXX and I have never been late and always early on my payments. I have contacted XXXX   on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXX and I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX 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 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My loan was sold by XXXX and is now being serviced by XXXX XXXX and the loan number is XXXX. XXXX has been servicing my loan since XX/XX/XXXX and I have never been late and always early on my payments. I have contacted XXXX   on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXXand I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Credit report showed discrepancy. I'm a victim of Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Customer Service on XX/XX/18 to pay my projected shortage in full, which was just a little over {$300.00}, that was the result of my new estimated property taxes. I requested to have my escrow reserve removed and escrow analyzed. The rep told me that she has not heard of having the reserve removed. I explained that it is allowed by RESPA within my security instrument not to exceed 16.6 % of the annual impound balance, but the reserve is not a mandate and is negotiable. The rep told me that her procedures show that the reserve can be removed for properties in TX but not other states, but that her procedure does not explain how to remove the escrow reserve. As such, the rep instructed me to submit my request in writing. I submitted an email request on XX/XX/2018 summarizing my experience with the Customer Service rep, and I requested to have my escrow reserve removed. It was not until today, XX/XX/18, that Wells Fargo finally made a decision to decline my request. Having to pay an additional {$2000.00} a year as a cushion is outrageous, and I would never have an insurance or tax installment increase that much in a single year. I am not even required to have an escrow account and only elected to have one to safeguard both my interest, as well as whoever ends up servicing my loan. This is causing my monthly payment to be an additional {$200.00} more than what it needs to be. I feel that I am being unfairly treated because I have one rep that says I can remove the reserve and another saying I can't. I have had five different servicers on other loans that have always removed the escrow reserve during a single telephone call without an issue. This is the most difficult experience I've ever had in requesting the removal of an escrow reserve. I am requesting to have my escrow reserve removed and have my escrow analyzed effective with my XX/XX/2018 monthly installment to maintain an affordable monthly payment and avoid any potential financial hardships in the future. Thank you.

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 2018-07-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
father passed and they put all his information on my credit changed my date of birth to his i have been trying to get it straight with no luck. the mortgage company want help i keep telling them. XXXX XXXX didnt pay out my claim for the reason of fraud but i did have a break in my house

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 2018-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
Credit report showed discrepancy. I'm a victim or Identity Theft.

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 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: FL

Complaint narrative:
XX/XX/18 XXXX {$39.00} XXXX XXXX {$34.00} XXXX {$11.00} XXXX {$34.00} XXXX   {$14.00} XXXX XXXX {$56.00} XXXX  {$710.00} XXXX {$110.00} Dispute was denied by 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 2018-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX, Fifth Third Bank took over servicing of our mortgage loan for a property located in XXXX XXXX XXXX, XXXX. Fifth Third Bank contacted us for insurance information. We informed Fifth Third Bank that because we had just refinanced the mortgage within the year and insurance was validated in the mortgage process, the information was already in our file. We also warned Fifth Third Bank to not force-place insurance for the reason that the insurance was in force and was already in the servicing file. If in the transfer of servicing Fifth Third Bank 's file was incomplete, that is not our ( the consumer 's ) problem. Three separate telephone calls were made to Fifth Third Bank regarding the insurance. Today,XX/XX/XXXX, we received a letter dated XX/XX/XXXX stating insurance was force-placed on our property in the total amount of {$1600.00}. Today we called Fifth Third Bank stating for the FOURTH time that we already have insurance and that the insurance information is already in the servicing file. We notified the person on the telephone that we are prepared to sue and that we will be filing a formal complaint. This is that complaint, along with one we will file with the OCC. We will NOT pay the force-placed insurance. The failure to transfer servicing information is not our problem and should not be our inconvenience. Both of us ( owners ) are bankers by trade and one of us owns a mortgage company. We are well-aware that this is a servicing matter. The information on the XX/XX/XXXX notice is as follows : Fifth Third Bank, its successors and/or assigns, XXXX, XXXX XXXX  XXXX, XXXX, MN XXXX ; Account for XXXX XXXX XXXX, Account XXXX for property located at XXXX XXXX XXXX [ spelling corrected ], Unit XXXX, XXXX XXXX XXXX , SC XXXX. We contacted Fifth Third at approx. XXXX XXXX eastern time for the fourth contact today, XX/XX/XXXX. We supplied the insurance information today, despite the fact they already have the information in the loan file that is under one year old only because this is the FOURTH contact. This is their problem, not ours, but they made it our problem because they are lazy and/or inept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Recently we opted to turn in the keys to a home in North Carolina because we could no longer afford the home. Things were moving along and we have gotten everything out of the home and sent a letter to have Wells Fargo take over the home. We received an email stating there was a problem with the title being recorded in another county different from where thee home is located. Then we received an email stating that there was a document from the closing that had not been signed. We then learned we now have to sign all the documents from the initial settlement which was in XX/XX/XXXX. Then we were told the document were fromXX/XX/XXXX. This is all strange because inXX/XX/XXXX we requested a second mortgage for {$50000.00} what we got instead was a Home Equity Loan for {$120000.00}. When we learned of the mistake we wrote letters and complained that this was not what we wanted. Because of the HELOC we were stuck paying fees and interested when in fact if we had gotten the second mortgage in XX/XX/XXXX and our first mortgage was left as it was we would have paid off both loans by now. To now be told we need to sign " ALL ' documents from first this company it set out many red flags. 

We want the process to be over, however signing documents from over 10 years ago is cause to be alarmed. We are questing if the initial request for the second mortgage was a bate and switch. Therefore we want an investigation into this situation. 

Spoke to XXXX XXXX at Wells Fargo Headquarter his number is XXXX ex. XXXX And XXXX XXXX Wells Fargo Home Mortgage Default Servicing - Default Decisioning HL Liquidations XXXX XXXX Wells Fargo Home Mortgage - Liquidations WO and XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX, IA XXXX XXXX XXXX XXXX ext # 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 2018-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is the second time in 3 months going through this with XXXX XXXX.They need to be fined or something needs to be done.I have a 7 year fraud alert on all my credit accounts to try and protect myself however they are not running it through the credit but someone has all my information and i did everything possible to try and avoid this from happening again.This is my 5th case of identity theft.Thank you.XXXX 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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inquiry details : XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Bank Inquiry details : XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Auto  Financing XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX   Inquiry from XX/XX/XXXXXXXX Credit Card XXXX. 
XXXX XXXX XXXXnquiry from XX/XX/XXXX Credit Unions

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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX Open XX/XX/17 Amount XXXX Account balance is XXXX account is paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Open XX/XX/17 Amount XXXX Account balance is XXXX account is paid in full

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 2018-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: CT

Complaint narrative:
I was declined a loan after I already have a loan with them. When I called to discuss why I was declined and to understand how they arrived at the XXXX I was put on hold. Then I was told they arent allowed to transfer me to talk to someone who could explain how they arrived at my XXXX. I believe they may have made a mistake and wanted to ensure they are calculating correctly. I feel it is not fair under and maybe against Regulation B for not explaining and giving me the chance to ensure they have my specific debts and income correctly. I currently have a loan with them and feel they could at least walk me through and explain. At least show me it was fair treatment and not based on discrimination. Instead I was provided with vague answers making it seem like who knows what the decision was really based on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquiry details : XXXX Inquiry from XX/XX/XXXX XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank Inquiry details : XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX  XXXX XXXX Opened XX/XX/2017 Amount XXXX Account balance XXXX account paid in full and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Opened XX/XX/2017 Amount XXXX Account balance XXXX account paid in full and closed

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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX  XXXX Opened XX/XX/2013 Amount XXXX Account balance XXXX account paid XXXX balance

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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have had an SSN number and a credit card/cards for a year and 9 months now. XXXX  and XXXX have updated my credit score. Yet Equifax hasn't updated my score at all! I applied for an Auto Loan to buy a car immediately as I had moved to a different state. To my shock, they told me that my Equifax score was null and gave me an extremely high interest rate. When I called Equifax earlier today, the first guy said nothing can be done and hung up. When I called a second time, they said I had to mail copies of all my documents such as my SSN, passport, credit card statements or whatever to some address and wait for them to change it and just hung up on me. This is just pathetic and its costing me hundreds of dollars to commute to work. I just moved from XXXX to XXXX and this is my most unpleasant experience in the US. I guess this is expected from a organization which only last year, got hacked and exposed its customer 's confidential details to criminals. Thanks a lot for ruining my week Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/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 2018-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX Opened XX/XX/2013Amount XXXX Account balance XXXX account paid XXXX balance

Company response to consumer: Closed with non-monetary relief