vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Every year the same thing happens with Equifax ( also with XXXX, not with XXXX  ). Today it was Equifax ( I ask one of the bureaus every 4 months ). They ask me 4 questions with multiple choices which are supposed to verify my identity. Out of the 4, 2 have no answer but " None of the above '', they refer to companies or credit transactions I know nothing about ; which means I flunk the test to prove that I am me, and Equifax refuses to provide online access to my credit report as it has been mandated by law. 
Instead, they suggest a long list of paperwork that I need to send to get a free credit report. Obviously, I can also pay for one, and then, I am sure, there will be no fake questions to prove that I am me : a credit card will be sufficient. 
This time, I copied the screen contents, and my responses. I also have the scan of last year 's credit report, which I got by mail after filing a complaint like this one. 
I am hereby enclosing both, the screenshots showing the spurious questions with my responses, as well as last year 's credit report. I challenge Equifax to tell me which of the reported credit transactions they were referring to in questions 1 and 3. Nothing in the XXXX report mentions anything vaguely resembling anything in these questions, which refer to transactions in XXXX and XXXX. In XXXX I did cancel a mortgage with XXXX, and that is listed in page 20 of 30 as XXXX, of XXXX VA, not as any of ; XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF THE ABOVE Question 1, about a merchant 's card from XXXX, also has no reference in any of the contents of the credit report issued by Equifax in XXXX. 

The only conclusion on this is that they make these questions impossible to answer, or downright fake, just to avoid giving me access to my own credit report, as I am entitled by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: IN

Complaint narrative:
I would like to report an unfair Business Practice. Every month Premier Acceptance XXXX XXXX XXXX XXXX XXXX IN XXXX call me on a daily basis while I am within my grace period concerning my car payment. I have had this loan for 2 years now and for the vast majority of my loan I have always paid on time or within the 10 days grace period. My car payment is due on the XXXX of each month and I was told that I have a 10 day grace period with which I utilize but I always pay my car payment on or before the XXXX of the month. I wrote a request on my XX/XX/XXXX car payment advising I would be making my payment within my grace period and I would appreciate if they stop calling me while I am within my grace period. But they continue to call daily while I am within my grace period Harassing me about a car payment and they also call my daughter who is also on the loan. I called today XX/XX/19 and spoke with XXXX to try and resolve this issue but he advised me they will continue to operate in the same manner and call me within my grace period. I asked him why do you even give a grace period if you're going to call and bug the customer about a car payment and not even allow them the time you have given them to make a payment first? He did not have an answer. I think this is a bad business practice and if you look at the reviews on there website you will see several complaints from Customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XXXX I opened an account with Synchrony Bank to finance flooring for my home through XXXX XXXX. I signed up for a 12 month interest free promotion. I paid the account off in XX/XX/XXXX, prior to the interest being due and on XX/XX/XXXX I received an email stating that I have a XXXX balance. I never used the card again and I was even issued a refund in the amount of {$47.00} for overpayment, which is expected since I paid more than the balance on the statement to avoid any interest. 
After a couple of months I started to get phone calls from Synchrony Bank stating that I have a balance outstanding in the amount of {$47.00}. I spoke to several representatives over the course of almost a year and I had lengthy conversations along with lengthy wait times while the representatives tried to figure out what the problem was. I received a number of excuses, none of which made any sense and when I asked for my issue to be escalated I never received a call back. Now this {$47.00} erroneous charge has resulted in an over {$200.00} charge and erroneous late payments on my credit report. I disputed the late charges with the credit bureau and Synchrony still refused to correct their error and update my credit history. 
As I have explained to the representatives if I owed this amount I would have no problem paying it, just as I have paid them over {$4000.00} for my flooring over the past year. But no one could even tell me where the charge came from or why they would issue me a refund check in the same amount that they are telling me that I owe. Was the refund check a scam to get me to initiate new credit with them? Or was this Synchrony 's way of making me pay additional since I got an interest free credit card, per their promotion? I need some answers and most importantly I need my credit report corrected since I pay Synchrony and all of my other creditors on time.

To add more insult to injury, Synchrony has sent this account to a collection agency which will further harm my credit standing for their error. 
I have documentation that I would like to attach to this complaint if possible. 
Thank you for your time.

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 2019-02-18 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: NY

Complaint narrative:
i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization

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 2019-02-18 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: NY

Complaint narrative:
i feel my personal informantion was taken around 2017 used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts thaf was open in my name without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Engaged with QuickenLoans/Rocket Mortgage on XX/XX/XXXX, the last day of their end-of-year 'special sale '. Stewardship on the uickenLoans/Rocket Mortgage side provided by one XXXX XXXX XXXX. She impressed me with how their electronic system is set up, and how fast they can move because of that. We agreed that mine was a challenging scenario but Ms. XXXX was able to run it through the echelons and come back with a pre-approval the same day. She also offered a pricing package that was reasonable. 

Then she ordered an appraisal. 

The appraisal was conducted on XX/XX/XXXX, results delivered on XX/XX/XXXX on the RocketMortgage portal. The appraisal came under the 'street value ' for the neighborhood but still with a good loan-to-value proportion. 

Then the RocketMortgage portal informed me that a second appraisal was conducted for my property, and the results were posted on the website. Neither QuickenLoand nor Rocket Mortgage notified me of the requirement or possibility thereof for a second appraisal. The second appraisal was conducted by the same appraisal company/ agent, and the agent put in a closing note that the lender, i.e. QucikenLoans/ RocketMortgage directed him to specific addresses in the neighborhood against which to compare my property. 

Accordingly, the second appraisal came in way lower than the first one, and by that token the loan-to-value proportion changed significantly. 

That procedure did not seem fair, therefore I advised QuickenLoans/Rocket Mortgage in writing on XX/XX/XXXX of my decision to cancel the refinance application on the grounds of a corrupt appraisal process. I also asked for a refund of the costs of the appraisal amount of {$500.00} charged to my credit card. The lender did not acknowledge my cancellation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelson Cruz & Associates LLC
State: OR

Complaint narrative:
I have been contacted by this company, they never say the name of it, just that I need to call a " XXXX XXXX '' back ( the number they provided is XXXX ) in regards to " a complaint that has been filed '' against me. They have been calling my family members, who have all asked them to stop calling yet they continue to call. In one instance they called my sister and, after being asked not to contact her again, they responded with profanity along the lines of 'no wonder this person is in this situation with a family like you '. They have also in the past used scare tactics, saying they will start garnishing my wages if I didn't offer to pay in full by the end of the week ( this caused me to have a minor XXXX XXXX that I went to XXXX XXXX   for ) ; I have since stopped answering any number I don't recognize for fear of being threatened again. They have never once stated the origin of the debt they are attempting to collect. 

Upon XXXX the number they provided, " XXXX, XXXX XXXX  XXXX '' comes up. I have been unable to confirm if this is the company or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: WY

Complaint narrative:
i have had my mortgage for 7 years the last few months have be tough and i have had to use my grace period to make the payments. 21st mortgage corp will start calling and email both myself and the other person on the mortgage within the first day or so of entering the grace period. although we have spoken and responded to emails many many times that continue to call and email both of us an average of 4 times a day monday through friday. i have never missed a payment in 7 years and yet that call and email threatening to foreclose on us simply because we are in the grace period of our loan. all threats of foreclosure are made verbally. they will not send documentation. we have asked on several occasions that 21st mortgage corp stop harassing us as we always pay our mortgage and since then they now have 3 different people calling us on a daily basis. in addition to their constant phone calls and emails my father passed away last month and i had to travel out of state to handle his affairs. 21st mortgage corp showed no empathy toward my loss and simply told me they couldnt and wouldnt help work with me on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: AZ

Complaint narrative:
On XX/XX/2019 I was alerted by Wells Fargo of fraud detection on my credit card. Because my credit card information has been compromised, I called their customer service line and was told that they would be cancelling my current card and sent a new one. 

They then gave me two options, receive the card in 5-7 business days free of charge or have it " rush '' shipped into 2 business days for a {$16.00} fee. I clearly stated that I wanted the free option. 

Checking my credit card charges later, I realized that they had in fact still charged me for rush shipping. I, again, called their customer service number of XX/XX/2019 and was told they would refund the {$16.00}. 

That card, however, never arrived. Thus, in the same phone call on XX/XX/2019, they again agreed to send me a new card and presented me with the free and rush shipping options. As clearly as is possible, I stated that I wanted the free shipping option. 

The new card recently arrived, and I have been using it without issue. I checked my credit card charges on XX/XX/2019 and saw that I had been refunded the original {$16.00} as promised. However, I WAS AGAIN INAPPROPRIATELY CHARGED THE {$16.00} FOR THE SECOND CARD. 

I was happy to resolve the issue with the company the first time, but since this has now happened twice, I believe there is a pattern to Wells Fargo 's behavior. If they are fraudulently charging me, they may be doing the same to other customers hoping that they do not realize the {$16.00} charge or hoping to falsely claim that the customer requested the rush shipping. 

At this point, I am hoping for more than just a second refund. I believe the CFPB should pursue investigation into Wells Fargo 's practices of charging customers for rush shipping that they did not request. 

I can provided additional information as needed and would be happy to do so. I appreciate your work at the CFPB.

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 2019-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Had a balance at XXXX but the mail was sent to an old address. Once I received that XXXX mail at my new address I paid it off directly to XXXX. XXXX never called or emailed me when they couldn't get in contact with me via mail. I don't know if XXXX mailed my old address, but they never called me. The total was {$220.00}.

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 2019-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Opened XXXX Credit Card in XX/XX/XXXX. Rec 'd statement {$420.00} XX/XX/XXXX with due date XX/XX/XXXX. Paid on-line via XXXX XXXX, in which a XXXX send a check Tues XX/XX/XXXX which was delivered on my requested date of Fri XX/XX/XXXX in the amount of {$420.00} ; however, XXXX choose not to cash the check until XX/XX/XXXX. 
On XX/XX/XXXX I called XXXX after receiving a statement for {$450.00} ( {$25.00} late fee and {$9.00} Interest charge plus the {$420.00} ), unable to access a customer rep I closed the acct. On XX/XX/XXXX I called Customer Service XXXX and explained to 6 different customer reps ( in which 3 times the reps hung up on me ). That my payment was made timely and I should not be liable if they failed to cash the check and post to my account. I was informed that since the acct was closed I had to made the payment, when questioning how they could credit my account if it was closed they couldn't answer only that the payment had to be made regardless. I have contacted XXXX and was told a check was sent XX/XX/XXXX and I printed payment details reflecting payment delivered Friday XX/XX/XXXX. I pay all my bills on-line ( credit cards, util, etc and never had any late fees. I plan to the {$34.00} late fees however, I wanted to be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
My American Express, as well as all my credit accounts, are always paid in a timely manner and absolutely never late. I never pay just the minimum and pay off large amounts of the balance but American Express repeatedly blocks spending on the account with many reasons why they Shut down the card. When I call in they tell me Im an excellent customer in good standing but they continuously shut off the card with a many u substantiated reasons. They have personally insulted me when I call to complain and typically get a representative from outside the US who does not speak fluently. The gentleman from XXXX I spoke with in Sunday was verbally insulting me and lecturing me on false accusations. This happened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also and I still dont have this resolved. They charged me a {$550.00} annual fee last month but keep shutting off the card which doesnt allow me to access the benefits of the annual fee. This all seems fraudulent to me and would like Amex investigated. A customer in excellent standing should not have to deal with this. My account statement shows there is no payment due at this time and no preset spending limit which is evidently false. Being a XXXX XXXX I am making large purchases monthly and expect to carry a balance between 10-20k depending on need but it always gets paid and I pay large payments!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: OK

Complaint narrative:
I have been trying to work on my credit report every since my identity was stolen. I have some child support and auto loan that I am not responsible for. 

I've reached out to the credit bureaus but I've not been able to reach any outcome.

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 2019-02-18 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
some time around mid 2017 I went in to XXXXXXXX XXXX XXXX XXXX XXXX to purchase an item. At this time I signed up for what was presented as a 0 % apr credit card. I signed digitally for the card. I went back some time after and wanted to add an additonal purchase on the 0 % apr card. 

After several months of making timely payments i started receiving collection calls. I found a second fraudulent account was created rather than putting the purchase on the original account. After looking closer into the staments I also found rather than being 0 % interstet rate they had signed me up for an extremely high APR card. 

When i went in i was told they sold the account to the company below and could not do anything. They said i should have put down {$1000.00} in order to receive to 0 % which was not diclosed to me. 

XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX When i called XXXX  they said all they could do is settle the account in full. This has damaged my credit and has made it so I can not afford to pay it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18 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: Nelnet, Inc.
State: NC

Complaint narrative:
XXXX and XXXX are reporting incorrectly that I am 120 days past due on several loans with the Dept of Education that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four Dept of Education accounts that are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: DC

Complaint narrative:
Had a balance at XXXX but the mail was sent to an old address. Once I received that XXXX mail at my new address I paid it off directly to XXXX. XXXX never called or emailed me when they couldn't get in contact with me via mail. I don't know if XXXX mailed my old address, but they never called me. The total was {$220.00}.

Company response to consumer: Closed with explanation