vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF THE WEST
State: KS

Complaint narrative:
Loan was requested for a new RV thru XXXX XXXX ( Essex credit ). The day after the loan was funded ( XXXX ) I recieved a call from a stranger in NY ( XXXX ) miles away stating they had recieved all of my personal information in the mail, from XXXX. At this point the stranger in New York is able to tell me my wifes and I Social Security numbers, address, wages and anything else that one would hope a bank wouldn't carelessly give out. I immediately reached out to the loan officer XXXX XXXX and explained that I was very upset that they would let this happen, and I expected some answers. XXXX said I would hear somthing back from his boss the next day. A week went by and I never heard anything, so I called XXXX back and he gave me his bosses number. I called XXXX 's boss and he said that they were sorry but it was just a human error ( he didn't seem to take it as serious as I think it should be ). He did say that i would be recieving something in the mail explaining what they were going to do about the error. As of today XXXX I have never recieved any letter or even a phone call to explain what's going on. The bank gets off free and will still get thousands of dollars in interest with no consequences to the damage that has taken place because of their misstake.

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 2019-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of Identity theft. I did not access my credit report for a number of years and once I did I noticed some discrepanices with my report. I contact the FTC and made a report and also contacted all # credit bureaus. Equifax is the only bureau that refuses to remove these items from my report and the reason that I was given this evening is because they are over 3 years old. I was advised that they contacted each creditor and the creditor advised that they information was correct. I have contacted the creditor and all they can send, me is a statement. A statement is not verofying that it was me who opened the account and made the charges. I have has a fraud person open bank acocunts, take my taxes, take all my money out of my bank account and its feels like equifax is just making me the victim over and over again. they do nothing. The supervisor this evening told me all i can do to fix the problem is to contact you.so here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo has kept my funds and refuses to release my funds. On XX/XX/19 they sent me an email indicating that my account is permanently deactivated with no explanation as to why and that they are withholding my funds of {$100.00}. I have contacted the company several times and am never given an explanation as to why my account is deactivated or why they are holding my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: FL

Complaint narrative:
Discrepancy on the credit bureau report for XXXX  and equifax. It has been 6 months already with no resolution regarding this matter. The accounts for XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX  that were deleted from transunion report are reporting on equifax and experian being the same accounts. As far as I understand the creditor are the one who authorize the removal or deletion of the account from the credit report, how comes XXXX  had deleted this 2 accounts and experian and equifax has not. Attached the 3 credits reports from equifax XXXX  and equifax comparison in order to view in detail the reporting discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been in dispute with Wells Fargo for a while now and also have informed them in prior disputes, identity theft reports and etc. That I have been a victim of fraud, my information was compromised and also my email address, old passwords and info of my employer was exposed on the dark web and also found in data breaches. A lot of emails that was sent by Wells Fargo I did not received. All disputed items, interest charges and late fees were not done by me. A new card was sent on several occasions, disputes were reported to the Wells Fargo Fraud Department. Wells Fargo has also listed me in the XXXX XXXX under suspicious account activity and etc. I was not aware of this until I added another security alert on credit report and also requested a copy of my XXXX XXXX report. This is really damaging my credit file and also being able to open a bank account do to fraud. I am not responsible for for these charges. This account needs to be deleted and also false information in the XXXX XXXX. I will never do business with Wells Fargo or advise anyone to do so. No police report was found as I wasnt aware at that time and when I discovered this matter, I immediately reported it to Wells Fargo. I even received on email that asked me to verify my bank account information and from what I was told my information and card was copied by a scammer and used many places. Because I was responsible for these charges after reporting it. I didnt pay it or felt I should be responsible. So late charges and interest charges accumulated. Attached are document proving I have been on the dark web and my information was compromised.

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 2019-07-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under a settlement filed today, Equifax agreed to spend up to {$420.00} XXXX to help people affected by the data breach. If you were affected by the Equifax breach, you can't file a claim just yet. That's coming. But you can sign up for FTC email alerts about the settlement at ftc.gov/XX/XX/XXXX. 

I have contacted them on numerous occasions about these Fraudulent INQUIRES and I see why they XXXX   getting sued. When people call about INQUIRES they don't do a XXXX XXXX 

XXXX XX/XX/XXXX. I didn't apply for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2006 I was a victim of phishing scam. Someone stole my identity, hacked my banking info, and opened up accounts in my name. I received a email from my bank instructing me to update my personal information because their system was compromised but it actually was a fraudulent email. I entered all of my personal info to update my account. A couple hours later money was missing from my bank account and days later credit cards were opened in my name and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One Bank - Consumer Financial Protection Bureau ID # XXXX Re : Accounts : Ending-XXXX | Ending-XXXX Complaint : I believe Capital One Bank has violated my rights under the Fair Credit Reporting Act. I also believe that I have overpaid any balances due because I secured each account with an initial secured payment that shouldve been used to offset my first late payment. 

History : Both accounts are secured accounts that I opened with an upfront payment known as a security deposit. Each account was closed by Capital One Bank at 60 days, and 90 days past due on XX/XX/XXXX. My last payment on each account was in XX/XX/XXXX. Prior to the time of account closing, I was having difficulties due to my military service-connected XXXX and was late on payments. I discussed this XXXX issue with the Capital One customer service department each month from XX/XX/XXXX to XX/XX/XXXX. During this time period Capital One did not disclose any options regarding the use of my security deposit to make my payments. 

I contacted Capital One in XX/XX/XXXX with the goal of resuming payments, and a hope that my payments would be reported to the credit bureau. I was informed by a representative of Capital One Bank that once the account is closed I can not make payments for credit improvement, nor can there be any additional monthly delinquencies reported on a closed account. 

After closing the accounts on XX/XX/XXXX showing the lates at 60-90 days, Capital One then reported the accounts 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX into XX/XX/XXXX. In addition, Capital One reported these accounts on a monthly basis after the date closed showing updated increased balance changes. 

In XX/XX/XXXX, I paid both of these accounts in full ( proof of payments attached ). According to the Department of Veterans Affairs, I am rated as XXXX XXXX XXXX  and XXXX XXXX effective XX/XX/XXXX ( rating document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: Colony Brands, Inc.
State: PA

Complaint narrative:
XXXX XXXX, Account NO. XXXX, XX/XX/2011, Account Opened. XXXX XXXX XXXX, XXXX, WI XXXX. 
Has my account as reported to XXXX, as Revolving Charge Account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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:
In XX/XX/2006 I was a victim of phishing scam. Someone stole my identity, hacked my banking info, and opened up accounts in my name. I received a email from my bank instructing me to update my personal information because their system was compromised but it actually was a fraudulent email. I entered all of my personal info to update my account. A couple hours later money was missing from my bank account and days later credit cards were opened in my name and etc.

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 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
We bought our used XXXX XXXX in XX/XX/XXXX. The car price was {$17000.00} with an interest rate of 26.29 % making our full loan amount {$34000.00}. Weve been paying on the car since XXXX and have paid in car payments a total of {$31000.00} since XXXX. Thats not even counting the {$10.00} fees and other fees they tacked on. We recently went to trade the XXXX in thinking since our payoff date is XX/XX/XXXX that there only being 11months left on the loan that we only owed a little over {$5000.00}. When they pulled our credit Santander Consumer has only reported the car amount of {$17000.00} and that the balance was down to {$14000.00} something making it look like over 6 years me and my husband have only made little over {$2000.00} worth of payments. They are telling us the payoff for the car is almost {$15000.00} even though weve been paying for 6years and have already paid {$31000.00} of the loan. The dealership manager told us they were in violation and for us not to put anymore $ towards the car so we opted to have them come and get the vehicle And then pursue what we needed to get this fixed. But were not going to put anymore money into a loan where we were being scammed. Heres a link to some of the complaints concerning the same things that theyve done to other customers. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: COAST PROFESSIONAL, INC.
State: MT

Complaint narrative:
I call every 6 months to re-establish my payment arrangement with Coast Professional due to my account being in default. Despite making payments over the past 2 years, I remain in default because Im not willing to give them my husbands financial information, as this loan has nothing to do with him. I also can not afford what they think I am able to afford based on verbal income and expense amounts. I have paid $ XXXX every month for the past 2 years. I have never had a problem setting up my payment arrangement in the past. I typically call, tell them what I need, and they take care of it. Until this time. I have called THREE times and have spent 1.5 hours on the phone just to get absolutely nowhere. IM JUST TRYING TO PAY THEM! During the most recent phone call to them on Friday, I was transferred to a supervisor who proceeded to argue with me about what I can and cant afford. He refused to do anything at all for me because I opted to not give my address. He threatened to tell the federal government that I am refusing to give my address. He further threatened to offset my taxes if I did not get into an approved payment plan. Despite my paying them. He told me that I would get absolutely nowhere making the payments that I can afford making.

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 2019-07-23 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: Colony Brands, Inc.
State: PA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, Account No. XXXX. 
Account XXXX : XX/XX/2012. 
Has my account as reported to XXXX  as a charge off. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: PNC Bank N.A.
State: MI

Complaint narrative:
Earlier this year, in the spring time, I believe in XXXX, I was informed that my PNC Credit Card ending in the numbers XXXX was past due. This was odd, as I always pay my bills when I receive them. I immediately paid the amount past due. I couldn't find the bill. I receive paper bills and pay them with checks via regular mail. I know I am archaic, but that's just the way I do things and it's within my rights. After being unable to find said bill, I just assumed I had lost it or my mail person misplaced it, although I remained suspicious. I continued to place all my credit card bills in the same spot and keep a very close eye on them. 

This past week, on Friday, XX/XX/XXXX, I was contacted via telephone and informed that my payment was past due on the same credit card, ending in XXXX. This time, I knew I never received the bill. I have three other PNC credit cards and had received the bill for each of those three. Just not the one ending in XXXX. I paid the amount past due over the phone. 

After confirming I had never received a bill in the mail, I decided to file this complaint. I am concerned PNC is purposely doing this to either collect late fees or coerce me into setting up automatic payment from my checking account. They won in the last matter, I did set up automatic payment so this does not happen again. 

At this point, all I want is for PNC to remove any negative hits on my credit report from these two alleged late payments. I am fine with them keeping the late fees, they can have them. I just want these negative events off my credit score because I am not at fault for them because I never received my bill.

Company response to consumer: Closed with explanation