vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, Transunion, and XXXX ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders onXX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, Transunion, and XXXX ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.

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 2017-06-27 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: CA

Complaint narrative:
I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, XXXX, and Equifax ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders on XX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, XXXX, and Equifax ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: FL

Complaint narrative:
Transunion is reporting a Credit Collections account on my credit report that is not mine. I have never done business with this company and I have never been sent any bills, notices or paperwork telling me that this is my debt. The account number on my credit is " XXXX '' and the amount on my report is {$240.00}. I need Transunion to delete this account because it does not belong to me. I have a common name and this is not the only time Transunion has reported someone else 's information on my report. I have disputed this with Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To this date, nothing has been done to properly process my dispute.

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 2017-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
Every month I receive from XXXX an invitation to lower the cost of my student debt : " We 've missed you! '' Simply log in and check your rates. I apply and always get rejected. they keep sending me an invitation to re-apply " XXXXXXXX is the 5th one of these I 've received. The latest one onXX/XX/XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
TJX Credit is continually calling me regarding a credit card balance that is paid up to date. It is NOT past due. I told them this and told them to stop calling. They continue. The Caller ID says XXXX. They will call every day for a week. Wait a while and repeat. This despite the fact NOTHING IS PAST DUE AND THEY HAVE BEEN TOLD TO STOP CALLING.

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 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I ask them to identify themselves when they call. They refuse to answer my question. Then hang up call me 4 times a day. I made it clear that I do not owe anyone any money and they can communicate with me by mail. They do n't even have a valid debt to collect on. I would like to take legal action against them for unlawful harassment. My number is on the do not call list as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I saw a promotion for XXXX Thank You points for a brand new Citibank checking account. I went to the bank and confirmed if opening a new account would get me the points. They said, yes, a new account would get me the points. I was already an existing customer of Citibank so I wanted to be sure before signing up for another account. <P/>Anyway, within 3 months of account opening, I met the terms, kept the minimum balance and did the deposits and payments that were required to get the points. I followed up with Citibank asking when my points would post. I have confirmation email and messages from Citibank saying this would happen in 4-6 weeks. So I waited. <P/>I contacted them again in 4-6 weeks and was told that since I was an existing customer, I would not be getting the points. I mentioned to them that I was targeted for the offer and I also had written confirmation from them. They said the last agent was wrong and I would n't be getting the points. <P/>I kept trying for a few points and then gave up. And finally now, I am filing the 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 2017-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a secured line of credit with Regions Bank and they are incorrectly reporting to my credit that I have a past due balance of {$31.00}. The account number is : " XXXX ''. I paid this account off months ago in person at my local Regions Bank and to this date, they have not updated my account to show it is paid in full. They have been reporting that I have been 30 days past due since XX/XX/XXXX and this is devastating my credit report. I brought this to the attention of a branch manager at my local Regions and he told me my account is paid in full so I do n't understand what is happening! The branch manager 's  name is XXXX XXXX XXXX, his phone number is XXXX and his email is : XXXX. I need this to be resolved as soon as possible because late payments are being added to my credit and I have already been told numerous times that there is no balance on my account. I am including a screenshot from a recent report which shows how Regions is incorrectly reporting that I am late on my credit. I am trying to build good credit history and mistakes like this are setting me backwards!

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 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Opened a Wells Fargo checking account on XXXX XXXX which had {$250.00} signup bonus. " We 're writing to let you know we received your application for a Wells Fargo Everyday Checking account on XXXX XXXX, XXXX. '' I was eligable for the bonus and was informed that bonus will be applied to my account " Status : Your application has been approved, and your new account is eligible to receive a bonus offer '' I Deadline for opening account to receive bonus was XXXX XXXX. I opened and met terms of account on XXXX XXXX. Made initial deposit of {$50.00}, which was {$25.00} more than required. Wells Fargo refuses to pay {$250.00} bonus per advertisement of signup. I informed them of meeting the deadline and terms and company refuses to issue bonus. I would never have set up this checking account if not for this special offer. I feel completely duped. This seems a clear case of false advertising 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 2017-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stanislaus Credit Control Service, Inc.
State: CA

Complaint narrative:
Stanislaus Credit Control Services reported {$450.00} on my credit without sending me any communication. I was never informed that this money I have to pay. I did n't even receive verification of debt which I requested. They did n't even inform me, all they did is reported to my credit report. So I called them and requested them its wrong I may dispute it later by I want this off my credit report. So they asked me to fax a letter which I did n't on XX/XX/XXXX but they still did n't fax me any proof. So I am not even sure if I owe this money and if I do I still need complete proof of service. I would like to request why did they report it without informing me. So I like this to be deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On a letter datedXX/XX/XXXX, my mortgage company, Nationstar, sent me a letter informing me of a shortfall in the escrow account of my first mortgage. My accounts are impounded. It said that if I took no further action, the shortfall would be spread out in my monthly payments beginningXX/XX/XXXX. I took that to mean that my XXXX statement, due onXX/XX/XXXX, would be impacted to the tune of {$60.00}. This happens all the time and I understand and am happy to oblige. My understanding of this was further reinforced by the Mortgage Loan Statement I received from them with a statement date of XX/XX/XXXX, in the amount of {$1900.00}, my usual payment for the last year. That is the amount I put in to pay on my online bill pay service as usual. <P/>Today I called them to make sure that was correct, and was rather concerned that they said it was not correct. I owed them an additional {$60.00} as of XX/XX/XXXX. When I asked why, I was told that there was a shortfall in the escrow and I owed that money. I understood that and knew it was coming ... next month. And my statement from Nationstar, which is in effect a bill, said that for THIS payment I owed {$1900.00}, dueXX/XX/XXXX. Had I not called them onXX/XX/XXXX at XXXX PDT, I would never have known, until they had already reported me delinquent, that I owed an additional {$60.00}. While I can cover that amount, I have two problems with this : 1. My credit could have been negatively impacted through no fault of my own. 2. This business practice sets up consumers to be abused and harassed for things they did n't do wrong for an extensive length of time. My only saving grace is that I called to double-check. <P/>Personally, I have already begun looking for a new mortgage lender, because this level of incompetence is terrifying in the mortgage world and can potentially effect thousands of customers who may rightly take their mortgage statement at face value, as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank is refusing to distribute money from my late Mother 's checking accounts to my brother and myself as the legal executors and heirs to her estate. My mother died on XX/XX/XXXX in XXXX XXXX. The XXXX XXXX tax waiver for the inheritance tax was issued on XX/XX/XXXX. The balance of my Mother 's estate ( both real property and funds in Wells Fargo brokerage and IRA accounts ) have already been distributed. There are three checking accounts in my Mother 's name that I exercised power of attorney over to pay her bills. I approached my local branch Wells with the will, letters testamentary, trust and death  certificate ( Wells has had the death certificate and POA on file since XX/XX/XXXX- I 've given them five copies ) to request the remaining money in the account be distributed to my brother and my accounts and to close my late Mother 's accounts. Wells refused to do this based on their legal interpretation of the letters testamentary despite the fact that they have already distributed the bulk of the estate that was held in other Wells accounts. I was told by a Wells banker that : 1. my brother and I need to be in the same Wells branch at the same time to do this ( note : my brother lives in the XXXX and XXXX. ; I live in XXXX ), or b. the letters testamentary need to be resubmitted ( My brother and I would need to fly back to XXXX for this and incur added legal fees ) or c. Wait until my brother returns from the XXXX to XXXX in XX/XX/XXXX, fill out more forms, and be in different branches at the same time. Wells has refused to make their legal department available to me or my attorney and will not provide any letter or documentation regarding their arbitrary decision. The branch manager and the Wells dispute resolution team told me, " It 's a legal matter- it is out of our hands. '' Despite being a Wells Fargo customer for 37 years and ( along with my brother ) having multiple Wells accounts, we have had access to our money cut off by Wells Fargo Bank without any appeal or formal notification.

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 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: NE

Complaint narrative:
The company of which is calling me, calls 3 times In a row at a time, will leave 30 second to a minute long voice mails, not saying anything and not claiming who they are what they are calling about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I previously submitted a complaint with the CFPB. I learned today from XXXX, through your office, my complaint was denied. She read me the letter from the bank 's representative, XXXX XXXX. I have talked with XXXX XXXX since my complaint was filed at least twice and he never mentioned the reasons for their denial. I am outraged and appalled. Never had the bank or any of its representatives mentioned to me that my loan was submitted through the Community Reinvestment Act ( CRA ). My loan, I learned today, was approved through XXXX as my income was " too high '' to qualify for the CRA. As a result, the {$2500.00} credit that was continuously stated on the bank loan documents is not being refunded. My closing costs were almost doubled to {$11000.00} due to the CRA denial ( $ XXXX {$2500.00} = {$6100.00} ). Not only that, but during my conversation s with XXXX XXXX, I pointed out the bank delayed the closing of the mortgage loan with continuous requests for multiple XXXX 's bank statements, pay-stubs from my wife, two P & S extensions from the sellers, which caused substantial extra costs for rental and condominium fees. I was fortunate this did not cause the sale to collapse. I 'm attaching previous documents submitted as well as additional information. I expect the bank to refund these additional fees and expenses which has resulted in substantial costs to close the loan in XXXX 2016. Not only that, they ignored my initial requests last year, on multiple occasions, which I also mentioned to XXXX XXXX. All his seeming assurances to me were apparently just a time stall tactic. I hope that this new complaint is speedily resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from Affiliate Asset Solution, LLC collecting a debt for XXXX XXXX XXXX. of XXXX. IPer the Fair Debt Collection Practices Act I wrote a letter asking them to provide proof that XXXX XXXX XXXX XXXX XXXX make an attempt to claim my Health Insurance for services rendered on XX/XX/XXXX. I also request they stop calling until the information is provided. I mailed the letter certified on XX/XX/XXXX. According to the tracking number XXXX XXXX XXXX XXXX XXXX the letter was delivered and sign by Affiliate Asset Solutions LLC on XX/XX/XXXX. <P/>Today, XX/XX/XXXX I received 3 calls from Affiliate Asset Solution LLC even after I requested in writing to stop. I contacted Affiliate Solution and spoke with " XXXX '' which she attempted me to confirm personal information over the phone without providing her last name and employee id number. I gave her the account number and she confirm they " remove '' my phone number of the list so I told her that since she confirmed receiving the letter when can I expect they will provide the information I requested and she stated that they will not provide me with anything until I verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: WA

Complaint narrative:
TransUnion continues to report fraudulent information on my credit report. Because of this, I was denied from renting an apartment due to the fraudulent information reported by TransUnion. This has created a hardship for me and my family. The other credit bureaus deleted the fraudulent information but TransUnion came back verified, how is this possible, when I sent each bureau the same information. I sent to TransUnion a copy of my police report and Identity theft report on  XXXX / XXXX /   2016  and also around  XXXX / XXXX / 2016 .

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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION IS REPORTING ON AN ALLEGED DEBT FROM XXXX XXXX XXXX, THIS DEBT HAS BEEN " CHARGED OFF '' AND THIS IS THE XXXX MYSTERY THE BANKS WILL NEVER TELL THIER SECRET!!! THEY GET PAID BY THE UNITED STATES TREASURY FOR ALL DEBTS, ITS BEEN THAT WAY SINCE XXXX!!! IVE ASKED AND DEMANDED PROOF OF THE ORIGINAL INSTRUMENT OF INDEBTEDNESS FROM XXXX XXXX XXXX AND THEY CAN NOT PROVIDE IT, BECAUSE THEY TURNED IT IN TO THE UNITED STATES TREASURY,!!!!! TRANSUNION COMMITS FRAUD BY REPORTING SOMETHING THAT IS NOT VALID!!! SINCE NOBODY CAN PROVE WHAT AND WHERE WAS " CHARGED OFF '' ITS ALL A GAME!!! AND ITS GROSS FRAUD!!! CEASE AND DESIST AT ONCE!!!

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 2017-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OK

Complaint narrative:
I 'm waiting for a new card to come in the mail but my current one is still activated. I ca n't scan it through machines because the magnetic strip is damaged but I can still pay for things online. The only access to money I have is sending myself cash from my bank to  XXXX    XXXX   or moneygram  or to drive   XXXX   XXXX  hours to my bank. They have both denied letting me send cash to myself and I have a car payment and issurance payment right around the corner. I 'm extremely displeased and they even blocked me sending money to family or friends so they can pay my car and insurance payments. I 'd like this settle asap. I 'm in the military and believe I deserve more respect than to be denied MY OWN money that work hard for.

Company response to consumer: Closed with explanation