vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I contacted Wells Fargo Card Services in XX/XX/XXXX to discuss a balance of {$53.00} showing on my credit profile. After sometime the agent told me that they could not locate my account information, I asked the agent why are they reporting to the credit bureaus about an account they have no record of existing? The agent advised me that they would stop immediately reporting and that the account would be removed from reporting status. 

I fast forward to today XX/XX/XXXX and I while reviewing my creditwise I see Wells Fargo Card Services Charge Off in the amount of {$53.00}. They have attempted to collect on a debt that they have no record ever existed and they also have lied by stating they would not report a ghost debt.

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 2019-08-21 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: IL

Complaint narrative:
Equifax ; XXXX  and XXXX are failing to report me as an authorized user on the XXXX XXXX   partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have contacted the ( 3 ) bureaus to add this to my credit report, however I have not been successful. Please add me as an authorized user on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: IL

Complaint narrative:
XXXX  ; XXXX  and Transunion are failing to report me as an authorized user on the XXXX XXXX   partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have contacted the ( 3 ) bureaus to add this to my credit report, however I have not been successful. Please add me as an authorized user on this account.

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 2019-08-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ; Experian and XXXX  are failing to report me as an authorized user on the XXXX XXXX   partial account number XXXX. ( Please see page 2 of the attached credit report. ) I have contacted the ( 3 ) bureaus to add this to my credit report, however I have not been successful. Please add me as an authorized user on this account.

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 2019-08-21 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: MN

Complaint narrative:
TransUnion reports a 30+ day late payment on my XXXX XXXX account for XXXX XXXX. With this bank, I had automatic payments and online billing statements configured. However, my automatic payment profile was removed without consent or notification, and I received no electronic statements or other notifications informing me that my payment was not being made. XXXX XXXX claims I was receiving physical statements to my mailing address - even though I specifically had them configure online statements because I would not have physical address to this address for the majority of the year.As anyone can see based on my credit history, I am a responsible lender. All of my payments have been made on time and I do not believe that a bank that chooses to have outdated online systems and poor client communication should impact MY credit history.  I would like the late payment removed from my account due to XXXX XXXX not taking the appropriate steps to inform me that there was an issue. XXXX  and XXXX have already resolved this issue on my my report (I've attached my dispute results from XXXX  as evidence). For an unknown reason TransUnion chose not to make any changes, nor inform me of any reasoning. This is the basis of my CPFB complaint.

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 2019-08-21 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: NC

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX in XX/XX/XXXX to discuss a balance of {$53.00} showing on my credit profile. After sometime the agent told me that they could not locate my account information, I asked the agent why are they reporting to the credit bureaus about an account they have no record of existing? The agent advised me that they would stop immediately reporting and that the account would be removed from reporting status. 

I fast forward to today XX/XX/XXXX and I while reviewing my creditwise I see XXXX XXXX XXXX XXXX Charge Off in the amount of {$53.00}. They have attempted to collect on a debt that they have no record ever existed and they also have lied by stating they would not report a ghost debt.

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 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/XXXX. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage.

Stop foreclosure activity on our home and fix our mortgage.

fix our toxic mortgage.

lower our principal balance / balance started at XXXX k now over 690k.

bring our account current fix this ridiculas wrong toxic loan.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX  acct # XXXX XX/XX/XXXX 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 2019-08-21 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: IN

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-08-21 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 4 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. I have contacted the bureaus to remove this from my credit report 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
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
My wife and I received a {$5500.00} credit limit on a store card from XXXX XXXX in XXXX XXXX, CT, managed by TD Bank. We made some initial purchases and had over {$2000.00} available credit remaining. We set up autopay immediately and had been making on time payments for months. One month we started a new joint bank account and I neglected to change the autopay information with the XXXX TD Bank card, so the payment was declined. I quickly resolved the issue once I noticed the problem. Literally every other payment thereafter was on time via autopay. However, Our entire remaining available balance was deleted due to the once single circumstantial late payment. 

I called TD Bank to see if they could help, but they were unwilling to reconsider. 

This seems to me a very unfair practice. I would understand if there had been multiple late payments, etc, but other than the one late payment due to a change in bank accounts, every other payment was on time and I assumed we were in good standing. 

I only found out the credit limit had been erased because we are moving and were ready to buy a new bedroom set. 

Is there anything CFPB can do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I spoke to Navient representative XXXX. XXXX on XX/XX/2019 at approximately XXXX EST. The  beginning of the call went well ; however, when I expressed that the options given to me were not feasible. The representative soon became very rude and abrasive. The representative soon begun to mention threats towards me and mostly my mother. He made it seem as if he was the end solution in all matters. I am appalled at the lack of professionalism that was displayed in the call, I mentioned the time and date of the call so that Navient may pull up the call and hear the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
a Walmart credit card was opened in my name in XX/XX/XXXX. It was first reported to XXXX in XX/XX/XXXX and has a balance of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following companies ran unauthorized credit report on me : EQUIFAX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX At no time did I give them permission to inquiry about my credit status from these companies, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights. Please delete this misleading information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Our home was hit by the 1-9 Debris flow, qualified/FEMA, mudslide disaster in XXXX XXXX XX/XX/18. Insurance payments to allow me to rebuild are legally held by Ally Bank and XXXX, the loan servicer. In order to pay invoices for work on my home, I have to request money from XXXX, submit to their arduous documentation standards and call them almost every day for 30 minutes to 1 hour. With over {$200000.00} remaining in my escrow account, the bank has decided it will refuse to release any more funds. I have {$200000.00} in invoices due that I have submitted to them, but they refuse to pay. Prior invoices were paid so late by XXXX that they were 2-3 weeks delinquent. I have gone through each manager, used their disupute process and complied with every demand. The money, originally hundreds of thousands of dollars, they are holding in escrow is actually money that I obtained from the insurance company to rebuild my home. Invoices are going unpaid, the contractor may stop work on my home and send me to collections while XXXX  and Ally bank sit on over {$200000.00} of my insurance proceeds. Please help me to get them to release the money that I need to pay my bills.

Additionally, California State law ( XXXX. ) requires them to reimburse me at least 2 % interest on all funds they hold in escrow. They have refused to pay me this interest or acknowledge that it is due. Others with loans serviced by XXXX  also hit by the mudslide have had the same response from XXXX.

This issue has been handled through there telephone service center without results. It has been formally rejected by " corporate '' repeatedly. It has been forwarded to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX, South Carolina XXXX XXXX XXXX, AMB, AMP, Senior Director of Mortgage Servicing Operations Ally Bank XXXX XXXX XXXX. Fl. XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX Executive Vice President/ Borrower Operations/ Executive Committee XXXX XXXX XXXX XXXX , NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 4 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. I have contacted the bureaus to remove this from my credit report 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 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 2019-08-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX  partial account number XXXX. ( Please see page 4 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. I have contacted the bureaus to remove this from my credit report 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 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 2019-08-21 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: Credit Plus Inc
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX  While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : CREDIT PLUS XXXX XXXX XXXX, MD XXXX  ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was shocked and appalled when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute with Equifax, but now I can not access the results of the investigation since Equifax claims I need to call them to verify my identity. I have called them and requested they allow me online access to the results but they said they can not help me with that since they do not have a technical support department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Despite being current on my auto note at all times, I have received numerous threatening and overt phone calls originating from an internal debt collections department at this bank. In spite of all attempts to stop these threatening phone calls ( including FDCPA cease and desist letters ), they continue each month. I have submitted several payments that have been utterly ignored, and one even was drawn and lost, which is still missing. 

Each month, internal collections from PNC bank contacts me to harass me into making a second payment to my auto note under the threat of " repossession '' should I not make immediate payment. This is in despite of a check, money order, or bank draft being faithfully delivered on time and in full on or before the due date.

Company response to consumer: Closed with explanation