vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 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: AL

Complaint narrative:
I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( XXXX, XXXX, and transunion ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to  update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the XXXX   data breach as well. THIS IS RIDICULOUS!!!

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 2019-08-15 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: TX

Complaint narrative:
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains 60+ days late payment XXXX reported on [ XXXX ] for my [ XXXX XXXX XXXX ] account. This account was paid in full XX/XX/XXXX on time payment where made since XXXX I have printed a copy of last 4 payments to show that this account was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I recently wired {$18000.00} from XXXX to PNC Bank account # XXXX XXXX # XXXX for purchase of a camper on XX/XX/19 at XXXX hours. This turned out to be a scam. I went to XXXX   the next morning to request help and I was told there was nothing I could do the money was gone. I explained that PNC stated I could request a reversal of the wire transfer and was told by Mr. XXXX XXXX PNC Bank he would freeze the account. XXXX sent a request for reversal to the FedPayments Manager at XXXX hours on XX/XX/19. I was informed by Mr. XXXX XXXX that all claims to this account have been closed and PNC was unable to recoup any money. I have now been informed the money is not available to return by PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TN

Complaint narrative:
I have had issues with the servicer My Fed Loan Servicing not communicating in a clear or consistent fashion. Two IDR recertification processes in a row now they have either not sent reminders, or failed to send follow up communication that they themselves committed to send. 
The first time this happened this caused me to be kicked off the IDR plan and charged a monthly bill that I could not pay, and I was told by the servicer that I would have to either pay it or not pay it, and that if I did not that interest would be capitalized. I had to take the latter option due to being unable to pay that amount, and it took 3-4 months for the servicer to get me onto a IDR at that point. 

This year, the servicer sent a communication on XX/XX/19 that in the first two paragraphs was very clear : get ready to recertify in a couple of months, AND look for another letter from us for instructions about how to do so. That letter with instructions never came, and only because I recently had a income change did I log in to look and see if I needed to report the change, and by chance found on the account that the deadline for recertification was XX/XX/19. 
When I called the servicer, they pointed out that the initial letter from XX/XX/19 did indeed have that XX/XX/19 deadline in the body of the letter, though it was absolutely buried amongst MUCH less important information, towards the middle of the letter. He did not explain or take any responsibility for why the follow up with instructions never arrived. 

Regardless, the first part of the letter is clear ; WAIT for our letter with instructions, a letter that never came. If I had waited, I would have again been in the same predicament as last time, having interest capitalized, for a simple issue that is easily resolvable without significant cost on either party 's part, not to mention completely avoidable if communication is clear, not obfuscated and actually sent. 

To be clear, the servicer did NOT take any responsibility for any of these issues at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent multiple letters and as well called only to get rude customer service and no help. I have a fraud alert on my credit profiles and it's frozen until this gets this resolved. I have a account that was fraudulently placed. That is linked to a mailing address ( i have never lived at ) i have provided PROOF but the credit agencies ( XXXX, experian, and XXXX ) of my current address that i have been at for 28 YEARS. But they want me to call the FRAUD company and update my address with them. NO! i am not calling to update that information. I'm sure you can understand why!!! Needless, to say i was impacted by the XXXX data breach as well. THIS IS RIDICULOUS!!!

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 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
A lawyers group called XXXX XXXX  XXXX phone number-XXXX executed a court order along with a XXXX XXXX from XXXX county nj to take XXXX dollars out of an old woman on social securities account for a credit card that was charged off of her credit report in XX/XX/XXXX. 
The credit card was supposedly used in XX/XX/XXXX. 
And most credit issues with cards are legally taken off within seven years. 
add- XX/XX/XXXX plus seven years. 
Also it is illegal to take money out of a social security account. 
The whole act was report to the department on aging. 
And the doj. Considering the womans constituants work at a credit department and had told the doj that there are people with XXXX dollars worth of debt- and they continue to receive all types of credit. 
The whole act seems discriminatory. 
This whole incident happened between XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains 60+ days late payment XXXX reported on [ XX/XX/XXXX ] for my [ XXXX XXXX XXXX ] account. This account was paid in full XX/XX/XXXX on  time payment where made since XX/XX/XXXX I have printed a copy of last 4 payments to show that this account was never late

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 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Have had problems with this account since opening 5 years ago, this account is hardly used, pretty much for auto deposits from employer ( Ive been on medical leave most of this year ) - 1 ) To this very day have NEVER received a Debit Card even though requested at least 3 times. 
2 ) Originally when opened set up to access at the BRANCH, until last month have never been able to access again online even though called them several times for help, they referred to Illinois office, who never followed up. 
3 ) Last month after getting a statement showing they were charging me for mailing statements, they finally unlocked account and I was able to access online ONCE. I changed to paperless statements and logged out and have not used the account since. 
4 ) Yesterday I received an alert email from them that the account was frozen due to to many incorrect attempts to login at XXXX. I did NOT try to login and no one could have possibly gotten the account information from me. Thinking that someone was trying to hack in to TCF, I  called them. 
I tried several times yesterday, called & spoke to THREE different employees. They were NOT willing to help and only offered to help unlock the account and said they DO NOT have a Department that handles security isses! I emailed & sent the details through corporate contact, with NO response. 

Its really sad that fraud was attempted and they don't even care to help.

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 2019-08-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I tried onlineXX/XX/2019to temporarily lift my Security Freeze using all my personal information and Experian PIN. It said they are unable to process my request and I have to mail the request with identification to Experian. I then called on XX/XX/19 and got in an automated system to lift the Security Freeze. Again, after entering all my info and PIN, I was told to mail the request. 
Experian gives no method to speak to a representative to verify my identity and requesting that I MAIL sensitive, confidential identity information is not only ridiculous, it exposes me to 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 2019-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I applied for a HELOC Line of Credit with Huntington Mortgage. 

I gave them permission to do a 'hard credit check ' I was in the assumption that it would be just one inquiry They pulled by credit in XXXX of 2019 and found my score was a ( 7XX )  not shown for privacy Based of of the initial credit pull they offered me a rate of X.X % ( ( fact a hard credit pull does lower your score ) ) they then pulled my score about a month later in XXXX of 2019 and then said because the score lowered by X points the new offer of credit would have a higher rate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am unable to lower my student loan payments to an amount that is reasonable for some of my private loans. I have some private loans with Navient and some with Sallie Mae ( we were also not told and were not aware that these companies split and took put half of my loans with each provider ). They will not allow me to enter a lower payment plan, and only offered me temporary forbearance which will inevitably make my debt higher. I was on a lower monthly payment plan paying approximately {$390.00} on my Navient private loans ( which mind you does not include the Sallie Mae {$400.00} payments or my federal loan payments ).  They are not telling me that I owe over {$700.00} a month on thee private loans. I have not been given any option aside from forbearance, or interest only payments which are still north of {$650.00} a month. 

This month, XX/XX/2019, I also received two emails within the same week stating that I owe two different amounts on my loans. It does not provide any context or clarity as to why I have received two separate statement. 

I should not have only been offered forbearance OR interest only payments which would not count towards my principal balance. These options do nothing but put myself as the borrower in a terrible position. Not only can I not afford what is being offered, going into forbearance will only cause my loans to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/19 I deposited {$140.00} dollars to pay my car insurance bill around XXXX XXXX exact into my new bank of america card and instead of an employee putting a sign stating the ATM is broken or not taking cash deposits, they let people deposit their cash and later on the ATM prints out a receipt stating that they can not process my request or return my items and to call a number provided from bank of america. They told me to wait two business days and now I was told 48 more hours or till the XXXX of XXXX, or even 45 business days. It's ridiculous how I have to wait for my money to get credited in my account, which now I'm late paying my car insurance because of this bank 's employees. 2 weeks before this, I deposited my check from my job. I was told it'd be one business day, I called bank of america and they told me till Monday then I called Monday and the money took a whole week on Friday to release the hold on my funds. I've only had this bank for a month and they always hold my funds. They don't want to release the 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 monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It would appear that Wells Fargo is again engaged in deceptive and misleading practices. I only recently became aware that the checking account opened in XXXX was an Opportunity Checking account after having low daily transaction limits and the account not eligible for API connection to other financial services. I applied for Preferred Checking and expected that this account was such since I do not recall any clear and unambiguous language to the contrary. At XXXX today, XX/XX/2019 I called XXXX the main phone number for Wells Fargo and the representative clearly stated " Go into the branch to upgrade your account '' after I requested it. Please pull call record. At Approximately XXXX I leave work to go into Branch located at XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX and the Advisor kindly advised me that in her 15 years she has never seen an Opportunity account upgraded in the branch.

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 2019-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp
State: NY

Complaint narrative:
Signed up for a student loan forgiveness program through equitable AcceptanceXXXX student loan care. Found out they are scamming me a service fee for them reconciliation of my loan. They charge me monthly without this going to my student loan itself. They claimed to be helping me out with my student loan not putting me into an additional loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been trying to access my Citibank Online account to access scheduled payments. The past few times I have tried it does not have as an option. I have been using online banking for many years with the same userid & password to log on. At this particular time I wanted to cancel a scheduled payment. I contacted the Tech department originally on XX/XX/XXXX. I was originally told it was a website issue & that I should try in a few days. I informed the so called " technical rep assistant '' that this has been going on for a while. She then went back & told me that my citibank card was not registered to the account, only my husbands was. This was never done by either one of us, & when my husband logs in, he also does not have access to this information. The scheduled payments are there & have been taken out monthly but neither one of us can modify them. When we go into the option it says " you have no scheduled payments ''. 
We ended the call with my only solution being to re-register MY card with the account. But still was given no explanation as to why it was happening. 
On Thursday XX/XX/XXXX I went online again & attempted to register online again. The same message appeared. I contacted Citibank again. They immediately gave me the same excuse, " it is a technical issue please give it a few days & try again '' I immediately informed them of the history of the situation. I was then put on hold again & told, " oh, I see an incident report was submitted in XXXX & our team is still working on the problem. '' I told her I called in XXXX, she informed me that she didn't know why but the previous agent I spoke with did not submit a ticket. I asked if one was submitted in XXXX why has it not ben resolved. I was then told, " Oh, the ticket in XXXX was general issue that others are having not just you ''. 
She then told me that the only way to submit a ticket for me was to submit a screenshot of the message ( why I had to do that & she could not just type the message in was beyond me ). 
I asked how would I know when it would be resolved and she told me someone would call me. which i find odd that they would personally contact each person who is supposedly having this issue. 
So after a few months I can access my account on line but can not access or manage my payees. I was told the only way to submit a scheduled payment or cancel a scheduled payment would be to directly contact them.I still have no explanation or solution to my problem. 
I felt like I have been given the runaround & wasted time I can not get back

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 2019-08-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Step 1 : What is this complaint about?

This complaint is in reference to an end of lease invoice mailed by Honda Financial Services.

Step 2 : What type of problem are you having?

I am having a problem getting wear and tear fees as well as additional mileage fees removed on my final invoice.

Step 3 : What happened?

Prior to signing the lease, I purchased an optional warranty. Specifically this warranty is a autoguard excess wear and tear warranty for a period of 36 months. Unlimited miles are also specified on the warranty which is in the lease contract.

Step 4 : What company is this complaint about? 
Honda Financial Services Step 5 : Who are the people involved? 
Honda Financial Services ( Lessor ), XXXX XXXX ( Lessee ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A lawyers group called XXXX XXXX XXXX phone number-XXXX executed a court order along with a XXXX XXXX from XXXX XXXX nj to take XXXX dollars out of an old woman on social securities account for a credit card that was charged off of her credit report in XXXX. 
The credit card was supposedly used in XXXX. 
And most credit issues with cards are legally taken off within seven years. 
add- XXXX plus seven years. 
Also it is illegal to take money out of a social security account. 
The whole act was report to the department on aging. 
And the doj. Considering the womans constituants work at a credit department and had told the doj that there are people with XXXX dollars worth of debt- and they continue to receive all types of credit. 
The whole act seems discriminatory. 
This whole incident happened between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My current mortgage company is trying steal {$3000.00} Plus dollar to put in escrows account of mines as they are saying it for an property tax.I double check with my county and they inform me there was no payment or back payment due. They won't provide me with any document of the payment was made but Inform me it was for my property. I check the email they made the payment to and it was for an different county.

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 2019-08-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax ; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief