vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 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: AFNI INC.
State: GA

Complaint narrative:
I received notice dated XX/XX/2018. There is a company called Afni collections. I tried to email this company for proof of account, and to remove it off my credit report due to this is fraudulent. The email dress is not accepting Emils, says do not exists. It has an count number of XXXX creditor is XXXX. I looked up this and have no clue what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
I have Never applied for an auto loan with XXXX XXXX, XXXX XXXX XXXX, XXXX  OneMain, XXXX XXXX However, there are two inquiries on my credit report dated for these lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I have Never applied for an auto loan with XXXX XXXX, Valley National Bank, XXXX XXXX, XXXX XXXX However, there are two inquiries on my credit report dated for these  lenders all on XX/XX/2017. I contacted the lenders, and there were unable to provide me with proof that I applied for an auto loan with them and gave them permission to pull my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: Union Home Mortgage Corp
State: OH

Complaint narrative:
To whom it may concern Union home Mortgage has checked my credit score on XX/XX/XXXX without my authorization, and I've received hard hits on my credit. 
when I called their office their manager said my wife gave them my ssn to pull up my credit report. I said that I didn't give any authorization to them to check my score and those inquiries should be removed asap. 

XXXX the compliance manager said in the whole US spouses can apply for loan without other spouse consent and they're not gon na remove thos hard hits. he explanied back in XX/XX/XXXX also they pulled my credit score and I want they remove those inquiries from my crdit report as soon as possible since they have checked my credit score without my authorization. they have also caused argue between me and my wife. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/XXXX I paid off my loan in full. The total was XXXX and on XX/XX/XXXX another XXXX was withdrawn from my bank account. When I sent a request to get the refunded of XXXX I was told that it would take 45 to 60 days for the money to be put back into my account. I have tried calling multiple times to get a status on when this money will be put back into my bank account and every time I get the same round about answer that they will contact their accounting department that they can only reach by email and call me back in the next 24 hours. I have not heard back from the company since my call on Tuesday. Since I have never got a status on when the money will be given back to us it seems to be that they either do not have the money to give us or are just not planning on giving us the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I was charged without my permission the following dates and charges XX/XX/XXXX {$4.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00}.

I called Experian and they lied to me. I did not order this product.

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 2018-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I reached out to the company in regards to refunding my account for all the payment they received after I called and advised them that I no longer needed Credit Protection on my account. I called there Customer Service Department and requested that they end/ stop the Service on XX/XX/XXXX. Due to my XXXX XXXX and medication I'm on for XXXX   XXXX  they were still taking my money for Credit Protection. Upon XX/XX/XXXX, they finally stop but didn't refund my account of all the fees they received and the additional interest that I accrued due to the balance. I didn't know and understand that more then 60 % of my monthly payment was being applied for 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 monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Beginning on XX/XX/XXXX through XX/XX/XXXX, Caliber Home Loans has not sent me a refund check from my escrow check. Caliber Home Loans claims that an escrow check went on XX/XX/XXXX. However, Caliber Home Loans did send me a payment summary on XX/XX/XXXX and mailed it on XX/XX/XXXX without a refund check from my escrow account. I received this payment summary on XX/XX/XXXX. Caliber Home Loans continues to be deceitful throughout the escrow analysis process and refuses to address the interest on the money they withheld for 6 months. I also noted that the payment summary on my escrow summary does not show that a refund will be issued from my escrow account. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
One XX/XX/XXXX, I received a letter from XXXX, XXXXstating that I had an escrow refund check issued in XXXX and it was canceled. I followed the instructions on the letter to fax a form stating to reissue the check. On the letter, it stated requests would be completed within 7-10 business days The form was faxed on XX/XX/XXXX. After sending several emails and leaving voicemails with the contact on the letter to follow up on the request, I did not receive any response. I then resorted to send a secured message through their website which got me the same result, no response. I finally was able to get in touch with someone through their customer service center, " we know it stated 7-10 days but we have received over 60, 000 requests '' and I should be getting a check now in mid XX/XX/XXXX. However they never would verify that the fax was even received. So I am not confident that mid XXXX will even be reached. 

If they knew the amount of requests was XXXX they should have known they would not have been able to meet the turnaround time-frame stated. Also, I am having a hard time believing that many customers did not receive or cash a refund check and am led to believe they never sent those checks thus trying to cover their tracks. This process feels deceptive on several levels.

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 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have a checking account with PNC. I withdrew my funds earlier this month ( on XX/XX/XXXX ), with the intention of closing the account immediately thereafter. 

However, PNC does not allow consumers to close accounts online or via email. You can ONLY close an account by calling during their business hours - which is ridiculous. Their phone lines were also unavailable for the XXXX XXXX holiday weekend. 

Because their phone lines are not available 24/7 & long hold times during their operating hours : I was not able to reach a phone representative until today ( XX/XX/XXXX ). Upon calling to close the account, I found out they charged me a low balance fee yesterday ( XX/XX/XXXX ) for the month-ended XX/XX/2018. 

They refused to let me close the account today ( account # XXXX ), and refused to reverse the fee that they posted - despite the fact that it was caused by their decision to only make their phone lines available for limited hours & eliminated the option for consumers to close their accounts online. Its almost as if PNC wants to make it harder for consumer to close accounts & easier for PNC to slap consumers with fees ... 

TLDR version : PNC doesnt allow consumers to cancel checking accounts online - only by phone. Their phone lines have limited hours. They charge fees when you cant call them during their phone hours. Refuse to let me close the account when I finally get through their hold times & am able to call during their phone hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I did not receive my XX/XX/XXXX rewards check for {$150.00} from Synchrony Bank for my XXXX XXXX XXXX   purchases. I reported the matter several times by phone and in XX/XX/XXXX received a letter confirming my inquiry. I subsequently followed up about my inquiry numerous times by telephone and was told that the check would be issued but it was not. Finally I was informed by letter that the check that I never received had expired. I sent a formal complaint to the bank on XX/XX/XXXX about the run around I received about this matter. The bank emailed me a letter dated XX/XX/XXXX of their effort to resolve my inquiry in a timely manner. However, when I telephoned the bank several weeks ago, I was told that the only thing on record was that my letter complaint had been received but no information was available on its status. I think Synchrony Bank is still being intentionally unresponsive to 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 monetary relief
Consumer complaint received 2018-05-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXX, XXXX and TransUnion has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2018-05-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX, Experian and XXXX  has ignored my request to provide me with the documents that their company has on file that was suppose to verify/validate the accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " Promptly delete all  information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2018-05-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX Wells Fargo closed my existing credit card tied to my bank account and re-issued a new credit card transferring the existing balance of the old card into the new one. Wells Fargo did not alert me of this change, nor did they link the new credit card to my bank account. Due to the fact that the new card was not linked to my bank account, I did not see any open balances when I did my routine weekly online banking check. 

It wasn't until the following month ( XX/XX/XXXX ), when I received a statement by mail saying that I had a delinquent, {$300.00}, payment, that I was made aware of this situation. I then called Wells Fargo and immediately paid off the balance. I let them know of the situation, I paid off the balance and demanded that they link the account to my online banking so I could set up automatic payments as I had done in the past. I also asked if they could please write a note about this so it wouldn't appear on my credit score since it was their fault, and they said they would write a note on my account to try and prevent this.

However, my credit score has now been lower for several months due to this late payment on an account that was created to replace an old account without Wells Fargo having alerted me, or informed me of the money that was due or the new account.

Please help me fix my credit score.

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 2018-05-31 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: NC

Complaint narrative:
I am a victim of identity theft and I would like TransUnion to look into my report that I am submitting. I would greatly appreciate since I am not able to mail off necessary documentation. I will upload documents with my complaint. 
Thank you for your understanding.

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 2018-05-31 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I have CITI credit card since XX/XX/2017 and I've been on good standing by using it since I opened it ... it was my main card and I was using it a lot because I had an offer for no APR for 9 months and % 3 cashback and I was shocked before a couple days ago while I tried to make a purchase and it didn't go thru and i called the creditor and they told me that my card has been closed for delinquency!!!!! and they took my reward and refused to give it back to me ... i disagreed this over and over but no solution

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 2018-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I purchased tickets on XX/XX/2018 from XXXX using {$120.00} from a XXXX account tied to my Wells Fargo checking account. Scammer seemed genuine with name, email and phone, even calling. The funds were immediately accessed and no tickets forthcoming. I contacted Wells Fargo within about 2 hours of the purchase. Wells Fargo indicates they have no responsibility since I authorized the transaction. XXXX indicates I have to go through Wells Fargo. In researching this appears a new, common scam that should be more publicized through both XXXX  and Wells Fargo. These funds should be protected just as other funds that are fraudulently obtained.

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 2018-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
The creditor is unwilling to try to work with you on late payments. They always threaten repossession as the first line of action. Give ridiculous deadlines and threats and very unprofessional. Call your references and family members right away harassing them if you are late. Very degrading and unprofessional in their actions. A family member offered to help pay my payment but was told that they would not wait until XXXX XXXX it had to be XXXX XXXX the same day or else. Would not come to a workable solution at all. Go with their motive or nothing. Payment is late but not even close to 30 days. Again they were going to receive full payment XXXX XXXX by XXXX XXXX only 15 hours from their request and they were rude and said forget it they did not want the payment. Spoke to XXXX XXXX who was rude threatening and arrogant. His number is XXXX. XXXX XXXX XXXX should not have account managers working for them who treat people like they are loan sharks. Horrible people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: NY

Complaint narrative:
Equifax keeps on violating fcra regulations they recently reinsert information on my report which was deleted long time ago, reinsert, deleted, and now again reinsert. When reaching out to them by email they simply not responding or just giving false and funny answers. In result of this, I was already denied a mortgage, even if they correct it and l reapply, I'm not sure it will still help, and if it does, it will surely lead to an extra hard inquiry on my report. IT'S ABOUT TIME TO FINALLY PUT EQUIFAX OUT OF BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have requested the negative information reported on the 3 credit bureaus to either be removed immediately, or for Chase bank to show me where I personally requested, authorized or signed for this credit card. I have been asking for this information for 2 years. The negative information " appeared '' on my credit report in XX/XX/XXXX. Prior to that, this information was never on my files. Also I had over 10 other accounts with Chase ( several autos, 2 home loans, other personal credit cards, an SBA loan ) totaling over {$500000.00}, as well as checking, savings and investments with Chase. ( They all are excellent pay with never a missed payment. ) I was never contacted by email, regular mail, phone or fax that this account was ever late, or being charged off. I never received any type of bill on this account, ever. The first time I knew anything of it was when I got an alert from a monitoring service indicating my score had dropped almost 200 points. Chase had all of my contact information and failed to ever contact me. 
I have requested numerous times for Chase to show me the evidence that I signed for this credit card, and they never have. They simply reply to the credit bureaus that it is mine, without proof. Recently they have " updated '' my report to show that it was paid " on time '' going back to XX/XX/XXXX. This was never part of my file, and was not on my file until XX/XX/XXXX when they listed it as charged off. Look back prior to then and you will not find this credit card on my file. This is a recent " addition '' by Chase. 
On my last complaint, Chase first of all said on their 15 day report that they tried to call me at a number that is bogus. My correct number is on all 3 credit reports. It is XXXX, and has been for years. Now as a final response, they claim they can't respond to me personally because I am represented by an attorney. I had an attorney try to get information last year, and he was not successful as Chase ran him around to over 20 different departments. He gave up. They also claim they responded to him, and that never happened. 
I am not represented currently by any attorney and ask that they deal and respond only with me. 

I am asking again, for the 20th time, PLEASE provide proof that I signed for this credit card or immediately remove it from my 3 credit bureau files. 2 years is long enough for Chase to deflect the truth and not respond.

Company response to consumer: Closed with non-monetary relief