vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I purchased a new vehicle XXXX XXXX, 2017. I advised the salesperson that I wanted to finance my vehicle with XXXX XXXX. The dealership ran my credit through several different financial institutions without my permission.

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 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and is now yet the bureaus have n't fix that and other debts I already paid for and I have the XXXX they sent me and neither they have remove from my credit report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citi Bank Account ending in XXXX Refinanced house in end of XX/XX/XXXX. 
I paid off my bill for Citi Bank {$12000.00} from my XXXX XXXX  account Our Finance company paid off the same bill, so until it was caught in XX/XX/XXXX we paid them twice. I called Citi bank and they proceeded to transfer me from one person to another ; still would not refund the money stating that they had to wait for it to clear my bank? According to my bank statement the electronic payment was made on XX/XX/XXXX? Still arguing about money clearing we proceeded to call my bank so she could verify the money had cleared the account. My bank indicated that it was an electronic payment so therefore there should not be a wait period for $ to clear? After a lengthy dispute about 3 hours they decided to refund the money and at that time I wanted to CLOSE MY ACCOUNT. On XX/XX/XXXX the electronic deposit was put in my account. 
On XX/XX/XXXX an email from Citi bank came to me with an overdue amount of {$580.00}?? My account was closed I thought, but apparently when Citi Bank refunded my account they left a balance on the credit card? Why would they leave a balance when they had more than enough to pay the complete balance and I told them to close the account at that time? Unbeknown to me my account was accruing interest and late charges as well as reporting it to the credit agencies giving me a mark on my credit! I was in tears, I didnt want to argue anymore after another hour and a half! They did not waive the late fees and were not able to change the credit bureau! Asked them why the account wasnt closed the first time and they couldnt say? 
On XX/XX/XXXX I received another email from Citi bank with another past due balance of {$64.00} from a software company on XX/XX/XXXX. I was furious!! I did not authorize any payment for software and besides all this my account was closed for the 3rd time in one year. Now XX/XX/XXXX I get a email statement with interest charges and late fees for this purchase. The bill is up to {$120.00} with late fees and interest. 
This company has been very disruptive to my life. I pay my bills on time and am very conscious of my debts. Something has to be done with this Citi Bank merchant. Please help me.

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 2017-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I bought my home on XXXX XXXX 2017. At the time of purchase, I did not have the money to make the 20 % down payment as my accounts were frozen because of divorce. In just a little over a months time ( XXXX XXXX 2017 ), my accounts were unfrozen and hence, was able to make an additional payment that brought down my LTV to less than 80 %. 

I have sent multiple requests to My Loan Care ( my mortgage company ) and every time they deny my request. At first, they wanted to get the appraisal done ( note the request to cancel PMI was made one month after the actual purchase of home ). The appraisal was already done when the house was purchased a month ago. Value of the house is not expected to change drastically in 1 month yet, I let them get the appraisal done. After the appraisal was done, I was told on the phone that the loan was not seasoned for 6 months so, PMI can not be canceled. Their website does not share any such information. All the website says is the request to cancel PMI can be made if you have a good payment history and the LTV has : Is first scheduled to reach 80 % of the original value of the property ( 80 % LTV ) ..
Actually reaches 80 % of the original value of the property. This information is available at the link below : https : //www.myloancare.com/XXXX XXXX XXXX I have tried resolving this matter by talking to them on the phone multiple times and have not received any co-operation or assistance in this matter

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 2017-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX - paypal credit sent a bill to me and I have never seen this account before. The charges were for little amounts and I have no idea what they are for. I called the number on the statement and asked them to close this account and to dispute all the charges. They would not give any information on what the items were. XX/XX/XXXX XXXX received letters stating that the charges were valid and the case was closed. Contacted the paypal credit and asked to speak to supervisor. The ladies name was XXXX and she refused to supply me with a last name or id number. She stated that the charges were made using the same ip address. I asked her how the account is accessed and she said through email. The email address is not my email address and she refused to tell me what the email address was. How can someone have my social security number and use and account to order items I have never heard of. She refused to give me any information on the account that is supposed to be mine. She stated she the account was not closed from the prior week and asked that she close the account for the second time. I even tried to google the names of the charges on the credit card statement and was unable to find information. These are not charges made by me or my wife and I do not understand how they can refuse to dispute the charges. The amount is very little - but it is still the point that these are not valid charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: FL

Complaint narrative:
I filed a dispute with XXXX regarding XXXX and XXXX loans. However, when they responded it was said that the loans are in good standing but my reports show the loans are paid late which is totally in accurate. XXXX stated that the loans were defaulted in XX/XX/XXXX and XX/XX/XXXX but I can provide proof via my checking account when the payments were on auto pay and debited from my account. If necessary I will provide bank records from my account. 
Please remove this from my account. 
The delinquency is contributing to my low credit score. I need these inaccuracies cleared up immediately.

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 2017-11-18 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: FL

Complaint narrative:
I filed a dispute with XXXX regarding XXXX and XXXX loans. However, when they responded it was said that the loans are in good standing but my reports show the loans are paid late which is totally in accurate. XXXX stated that the loans were defaulted in XX/XX/XXXX and XX/XX/XXXX but I can provide proof via my checking account when the payments were on auto pay and debited from my account. If necessary I will provide bank records from my account. 
Please remove this from my account. 
The delinquency is contributing to my low credit score. I need these inaccuracies cleared up immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute with XXXX regarding XXXX and XXXX loans. However, when they responded it was said that the loans are in good standing but my reports show the loans are paid late which is totally in accurate. XXXX stated that the loans were defaulted in XX/XX/XXXX and XX/XX/XXXX but I can provide proof via my checking account when the payments were on auto pay and debited from my account. If necessary I will provide bank records from my account. 
Please remove this from my account. 
The delinquency is contributing to my low credit score. I need these inaccuracies cleared up immediately.

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 2017-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
A collection of {$2400.00} with Credence Resource Management that had an initial collection year of XX/XX/XXXX has been added to XXXX Report again. Now it is showing as a recent collection from XX/XX/XXXX and I believe this is a Debt that had been removed from my credit report back in XX/XX/XXXX due to the collection agency not being able to verify and validate it was my debt. This debt was initially put on my credit before i was even notified and i fought it then and it was removed. Now it has popped back up 6 days ago in XX/XX/XXXX without any knowledge to me this was still an ongoing issue. I do not want to contact them again due to the harassment i dealt with then but i do feel that i should have been notified. I feel as they violated my rights by adding it back without notifying me at all and i want it removed. I have lived in the same home for over a year and had the same contact information longer than that ( Phone, Email, ect. ) Please have them remove this as they were not able to validate then and this should not be an issue with peoples credit that they are able to just add collections whenever they feel like it. This is Illegal activity alot of people deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a vehicle on XXXX XXXX,2017 and have several hard inquiries on my credit report. The only company that was authorized to access my credit was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: ResidentCheck, Inc.
State: TX

Complaint narrative:
I purchased a vehicle on XXXX XXXX,2017 and have several hard inquiries on my credit report. The only company that was authorized to access my credit was XXXX 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 2017-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
The current mortgage company " freedom mortgage '' considers my payment late if they process the payment after the XXXX. I use online bill pay to pay my account and the payments are set and post marked well before the XXXX, but because it is processed after the XXXX, by the company itself, they consider this late and I am charged a fee. The processing of the checks is random. One was on or around the XXXX another was on or around the XXXX. It seems they are applying a late fee because they process this late and not use the post marked date. One employee mentioned that during training they are told to go by the post marked date, but on the floor, was told to go off of the date he has it. I can not control when they process the check I can only control when I request the check be sent. This seems very unfair. Because of this I have had to pay multiple late fees.

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 2017-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX, 2017 - I forgot my password on my account to log in. The only way to reset the password online is to have the account number. I receive e-statements that do not include the entire account number and was never provided any card for this line of credit, so I do not have access to the account number. 

I called customer service to assist me with resetting the account password. After validating my social, name, address, and phone number, I was told they would not assist me in resetting the password because my cell service provider did not support the short-form message type that they needed to have me validate. ( I use XXXX ). My options were to a ) contact XXXX and request that they change the policy on my account to allow for the texts from Wells Fargo, or b ) go into a branch location to validate my identity. 

I escalated to a manager, who provided me the same options again. I asked him how I can make a payment and access the information on my account without this and he directed me to the mortgage division. I DO N'T HAVE A MORTGAGE WITH WELLS FARGO. I let him know this is not in regards to a mortgage and he begins to backtrack. It became apparent that they did not even know what type of account I had. 

With all of the issues they have had recently with altering their member 's accounts fraudulently, I would very much like to be able to access my account. Apparently, the only way to do so is to travel a great distance to show up in person or negotiate my cell phone provider to change their company policies. My personal information is not enough to validate my identity, I have to rely on a 5 or 6 digit code to be text. Seems outrageous. 

I have the manager 's name - XXXX XXXX to contact. In the interim, I am trying to find my original paperwork from prior to when I went to 'paperless ' on the account to find an account number to reset my password on my own. The process does not make sense and is highly inconvenient to the consumer who is just trying to pay their bill on 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 explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, I responded to a voicemail that had been left for me by a woman named XXXX. She did not say what company she was calling from, but was calling to respond to a claim made against me with a case number. She said if I did not call back that action would be taken against me without consent. I called and spoke to a person named XXXX XXXX. XXXX claimed to be of XXXX XXXX XXXX, a mediation group who was trying to help me from being sued in court from Wachovia Bank now known as Wells Fargo. XXXX had my address and current information. XXXX claimed that I was in danger of being sued over a debt of {$260.00} from a closed Wachovia Bank account in XX/XX/XXXX. He said the bank was going to sue me for {$750.00}. He said it was unlikely, but that he could discuss with his associates about getting me on a payment plan. I expressed hesitancy and that I thought it was a scam. He sent me a contract that requires my e-signature that now states I owe XXXX XXXX XXXX the above amounts, not Wachovia Bank. XXXX XXXX has my debit card information and has charged me {$100.00} since this phone call.

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 2017-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
Payment plan was set-up online thru Receivables Performance Management on XX/XX/XXXX and the first payment of {$59.00} was made by XXXX CC.
XX/XX/XXXX- 4 phone calls, XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX ( not a typo, back to back phone calls ) XX/XX/XXXX- 4  phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX  XX/XX/XXXX - 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 4 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 3 phone calls,XXXX XXXX, XXXX XXXX, XXXX XXXX  XX/XX/XXXX- 1 phone call,XXXX XXXX XX/XX/XXXX- 3 phone calls, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX- 2 phone calls,XXXX XXXX, XXXX XXXX XX/XX/XXXX- XXXX XXXX, XXXX XXXX- answered this call, had to verify my name and address, didnt tell me who he was, was then transferred to a gentleman who asked what he could help me with, I said I didnt know as they called me and I had no idea who he was or what company he was with, he said he would get me to a department that could help, I waited 5 minutes and got no answer then hung up.
XX/XX/XXXX- XXXX XXXX, answered call and advised her that payments had been set-up online and she verified that she saw that and that payments were for {$35.00} XX/XX/XXXX- XXXX XXXX, Answered call and advised that I already talked to someone the day before and that payments were being made and that they were not to contact me again. She said she was noting my file and verified that they did not have the right to contact me again, to which I replied " correct. '' XX/XX/XXXX- XXXX XXXX, XXXX XXXX- Answered call, and advised that this was the 3rd time I have told someone that the debt has been taken care of and they were not allowed to contact me anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
What happened? Received email from Equifax, Trusted ID service telling my husband there was a balance change on an account of which he is totally unaware. Called Equifax as instructed on the email he received. Equifax 's 'Protection Specialists ' ARE ONLY available to help M-F! 

Seriously, Equifax created this problem and can only help us M-F! 

We have to wait an entire weekend when somthing awful can be happening with my husbands credit. 

Can you help get faster and 24/7 service for American consumers? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2017 @ XXXX XXXX CST I tried to set up an account with an external agency, and CapitalOne is blocking me from enabling external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX XXXX 2017 I filed despites on 4 student loan accounts and XXXX, transunion, XXXX, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.

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