vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: TX

Complaint narrative:
After several months of disputes with the Equifax here appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Equifax continues to report these accounts on my credit report. I've never owned any credit cards with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Equifax should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After several months of disputes with the Experian there appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Experian continues to report these accounts on my credit report. I've never owned any credit cards with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Experian should be held accountable.

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 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Year XXXX I had went into The XXXX XXXXXXXX Navy Federal Branch. I spoke with the teller and asked them that I am planning on paying of my Equity line of credit ( approx. {$87000.00} ). I specifically ask them that I have 3 accounts that were charged off and if it was going to affect me in any way, she had said no. I then asked if i should wire the payoff from my other account, the teller ( female ) had said since I am depositing a Navy federal check to my Navy federal account, it would be available the next day, it was be easier to transfer to the equity. 

Up to XX/XX/2020, I have now deposited over {$80000.00}. I log in to my account approx on XX/XX/XXXX and noticed transfers that was not authorized by me. I called the customer service and they have said it the three transfers were made to PAY OFF THE CHARGED OFF ACCOUNTS. I explained to them that I visited the branch and spoken to a banker that these funds are meant for my equity, they did not want to hear it from me. I asked them to reverse the transfers and use them accordingly to pay off the equity, they again said there is nothing they can do. 

On XX/XX/XXXX, I decided to go into the branch and remove all my funds as I did not want them to use the rest of my savings and money unlawfully. They advise me that my account has been restricted! XXXX, from thXXXX XXXX XXXXXXXX CA branch ( XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ) was suppose to call me Monday XX/XX/XXXX to release my account. I have not received any calls, emails, or messages. 

How can Navy Federal take funds from my SAVINGS and checking to use them however they please. I am sure they have violated many laws and regulations by doing so. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a credit rating over 800, as I always pay my creditors on time, and I pay off all credit card balances every month. This month, Capital One lowered the credit limit on one of my cards from {$11000.00} to {$5000.00} because, they claim, I do not use the card enough. 

It is common knowledge that credit reporting agencies base credit ratings on, among other things, available credit. This adverse action by Capital One will, undoubtedly, lower my credit rating, even though I have never made a late payment and have never allowed this card to go over the spending limit. 

My annual use of this credit card exceeded {$50000.00} per year in XXXX and XXXX, but it dropped significantly in XXXX because of a chargeback dispute with Capital One. The current action by Capital One is clearly retaliatory. I would have disregarded it, however, if it weren't for the harm it will cause to my credit rating. 

In addition to this complaint, I will be consulting with an attorney regarding possible legal action, should I see an appreciable drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
tcf bank has taken over Chemical Bank in XXXX, Michigan. Since that time, the local bank in XXXX, Michigan has been destroyed by the 2 XXXX failures. tcf has changed several of their fee and other policies. I have been trying to contact them because the service charges they imposed put my account into a negative balance. I was a member of Chemical Bank for over 30 years. I am now trying to close my account with tcf, but when I try to contact them via phone, they only have one contact number, I have been on hold in a loop for over 45 minutes.  Obviously, this financial institution is too busy for me to do business with them. I would appreciate any help from you to make contact with this establishment. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'm working through Chase Bank to refinance my house through them. I received a loan estimate for 30 years at a rate of 2.125 % from them. When I spoke to their loan officer the offer was 3.125 % and not what they send me in writing. I spoke to his manager and he couldn't help and called it a technical error. I call it a bait and switch tactic that shouldn't be used on potential customers. They sent me a lower rate and then said this was never available. When I tried to meet them in the middle they didn't try to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AZ

Complaint narrative:
XXXX XXXX. I tried to get it disputed but XXXX told me to call XXXX, XXXX told me to call the company that was listed they couldnt find no account with my name, number, social security nothing. Its lowering my credit And I have no knowledge of this remark on my XXXX XXXX   report.

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 2020-08-25 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To whom it may concern, I, XXXX XXXX ; XXXX banked with Wells Fargo in 2019. I was notified by the PENNSYLVANIA DEPARTMENT of TRANSPORTATION that a check for vehicle Tax and Tags was fraudulently sent to them in my name. I purchased a vehicle from XXXX XXXX in XXXX of 2019. I provided XXXX XXXX with a deposit of {$5000.00} for the vehicle which the salesman XXXX explained to me covered the vehicle Tax and Tags. 

XXXX from XXXX XXXX asked me for my banking info on a piece of paper that verifies your information. I never at any time gave XXXX and or XXXX XXXX consent to add my signature and or WELLS FARGO checking and routing number to a cashiers check to submit to the PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. The fraudulent check then bounced because I gave XXXX XXXX all my funds for a deposit. Now the State of Pennsylvania is stating I owe them over {$1000.00} or my license and vehicle registration will be suspended. 


This was done fraudulently without my knowledge and or consent. I would like WELLS FARGO to address the fact that I never was provided and or ordered checks from them. So how is it possible for me to write a check I was advised to take this issue up with Wells Fargo! I tried to do so to no avail.

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 2020-08-25 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2020-08-25 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-25 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: CT

Complaint narrative:
I've requested an address to mail a notice of lawsuit against Wells Fargo numerous times, no address provided. The lawsuit concerns damages caused as result of inability to open deposits accounts due to information previously reported by Wells Fargo for accounts opened which I did not want or need. Damages include lost interest on monies unable to deposit as I was unable to open accounts due to information reported to consumer reporting agencies such as XXXX XXXX XXXX. Prior remedy amounts were offered, however, do not cover damages described above. I've requested a reasonable settlement offer, however, Wells Fargo will not provide one, unwilling to discuss it via phone. Further, the mediation amount offered, {$500.00}, is not sufficient and I require either a reasonable settlement offer or an address to mail a notice of lawsuit, which was requested and not provided. Failing to provide either above, additional complaints will be filed.

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 2020-08-25 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
American Honda Financial has reported a charge off on my account for an auto lease that ended in XX/XX/XXXX. This account had excellent payment history for the duration of the contract. Upon turning my leased vehicle into the dealer in XXXX, IL, I was given a receipt that lease termination was successful and that all payments were current. I was billed for something that I disputed with Honda on more than one occasion by phone and went back and forth with the dealer who said that they would " take care of it ''. After a few months of no resolution, I paid the account through a third party, XXXX, on XX/XX/XXXX for the amount of {$820.00} with the understanding that this would not negatively impact my credit report. I contacted XXXX on XX/XX/XXXX and they were unable to provide any records of this transaction or payment and asked me to reach out to Honda. I contacted Honda on at least 3 occasions between XX/XX/XXXX and XX/XX/XXXX to discuss the matter and asked them to provide documentation of the calls and they refused ; in fact I was hung up on on XX/XX/XXXX. Furthermore, I have disputed this with Honda and they will not update my account nor provide support of these actions. I have attached my bank statement for proof of payment. 

The did not do what they promised to resolve the disputed charge to my account and Honda Finance has refused to work with me in this matter. I have attached a payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For two years now TransUnion has had me locked out of my online account, despite my efforts to reset a password multiple times .There is inaccurate information on my report as I have gotten emails from loan companies stating that I was denied and I never applied for those loans. I also asked how they report their debt to income ratio and transunion could not give me a clear answer, my current salary is {$72000.00} a year therefore the salary information that they are reporting is incorrect.

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 2020-08-25 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: eCon Credit LP
State: MO

Complaint narrative:
I OPENED an account with XXXX XXXX, and XXXX XXXX in XX/XX/2020. I set up auto pay, and for 2 months the payments were deducted without a problem. In the 3rd month XXXX XXXX and XXXX the payments were not deducted, and the ability to make the payments was not allowed on the website, In addition no one will answer the phone when you call them. As a result there are now 2-90 day late payments from NATIONWIDE ACCEPTANCE which is the loan servicer for XXXX XXXX, and XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
This company was very rude and did not assist in expediting my refund in a reasonable manner. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AR

Complaint narrative:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$1700.00} XXXX XXXX {$54.00} XXXX   XXXX {$98.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$210.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1400.00} XXXX XXXX {$450.00} XXXX  XXXX {$710.00} XXXX XXXXXXXX {$120.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} DEPTEDXXXX   XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I got a call from a number and they said it was usaa trying to check on a certain transaction and asked for my social security and other questions to varify my account. On XX/XX/XXXX two checks were deposited to my bank account addressed to me but they were obviously fake online checks. Immediately after the money was taken out and sent via wire transfer to other accounts and names. My bank usaa said it was not fraud, it was a scam and would not cover or help insure the money stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a letter saying Capital One was reducing my credit line in half because I hadn't used all of my available credit recently. I have had this same credit limit for over 15 years. I have never been late or abused my credit card. Last time I had a big purchase was for an interstate move. My reduced credit line will not cover that now if I were to move again. I use the credit card each month for television prescription services, but I pay the balance each month. My FICA score is over 800. I have been a good faith customer since 1996. I spoke with a manager at the customer service number provided. She was very rude and refused to help me. She stated for me to call back in 6 months and try again. I guess they do not like having SENIOR citizens as customers. My bank savings accounts alone would pay off the previous credit limit. It was security knowing I had that credit limit if I should move again or have an emergency car repair, etc. I feel this is discrimination and unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: M&T BANK CORPORATION
State: PR

Complaint narrative:
Car was paid off on XXXX and I havent received the title. After calling a few times the representatives says the title release will be delivered after ten days. Almost 30 days after I still waiting for the title and they keep telling me the same thing over and over. This is not the first time that M & T has failed to their word. I want to close this chapter once and for all.

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