vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing this complaint due to Equifax not responding to request to have a inaccurate account removed due to it being fraudulently added to my account. I have disputed the account several times and I get the same generated response days later. I initially contacted Equifax on XX/XX/XXXX by mail, in reference to the account from XXXX XXXX XXXX XXXX, which is in the amount of {$380.00}. Following the generated response from Equifax, I contacted them again by mail on XX/XX/XXXX. Receiving yet another generated response, I contacted Equifax by mail again on XX/XX/XXXX. This account is fraudulent and inaccurate, and is being published and distributed to 3rd parties and is damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was trying to make a purchase on my credit card number ending XXXX and it was declined by the bank and I called them and they told me that they will send me a one time passcode to my phone number ( XXXX XXXX wasn't verified and told me I have to wait and didn't give me a time frame and I was unable to use my credit card and the fraud rep was laughing at me and didn't ask for any documents from me or anything I like my ID OR DRIVER LICENSE AND I CANT USE MY CREDIT CARD AND I REFUSED TO PAY THIS BILL AND I ASK FOR A SUPERVIOR AND SHE WOUDNT TRANSFER ME AND I have received calls from the fraud dept 7 times every time I make a online transactions and they are mines and now on XX/XX/2018 I still cant use my credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for refinance with my existing lender Chase. They tricked me into paying {$500.00} deposit that they said will adjust at closing or will refund if denied the application request. Now they are saying they will not refund deposit not approve loan. I provided them all the papers in time. Since they had all the data as my current lender and knew that my rate will adjust to a much higher rate so they waited after 1 & 1/2 month kept asking me this and that papers and denied my loan day before my rate will adjust. Now I can't go to another lender in time without paying higher payment.They will also not refund my deposit ( {$500.00} ) that they tricked me into paying.Please help!

Lending consultant : XXXX XXXX | XXXX XXXX   Advisor | NMLS ID XXXX | XXXX XXXX | Chase | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX| Office : XXXX XXXX XXXX XXXX | Fax : XXXX | XXXX | XXXX XXXX | Lending Manager | NMLS ID XXXX | XXXX  | Office : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: TN

Complaint narrative:
I opened an account with US Bank on XX/XX/XXXX. The account was abruptly closed by the bank, without notice, sometime between XX/XX/XXXX and XX/XX/XXXX. 

I was provided with no notice of the bank 's actions in a timely manner, and had to call the bank in order to receive an explanation. The explanation I was given was a reference to a clause in the banking agreement that stated that the bank could " close the account for any reason, or no reason at all. '' I find it abhorrent that a bank can take such a decision, without providing notice to a customer. I had already set up a direct deposit with my employer, who was going to make a payment in the next week. Had I had not been alerted to the account 's closure by my own enquiries, this could have caused a problem with my pay, affecting my ability to service bills and debts. 

The bank should reflect on its procedures and not subject customers, acting in good faith by depositing money with the institution, to this kind of treatment that can have damaging effects. In my case, I was a proactive customer who was minimally impacted but the bank and the regulators should be concerned by the potential damaging effects that this kind of bank behavior can have on its customers.

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 2018-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have been experiencing a nightmare with my vehicle loan with XXXX. There was {$4600.00} added on my loan due to mandatory insurance although I have shown proof of insurance. My vehicle have been in storage for over a year there is no reason for me to have full coverage on my car. Due to this XXXX being added on my account my monthly payment has skyrocketed. I have late credit reportings on my credit report which is truly making this even more of a nightmare.I have sent in documents by fax which they have told me they have never received although I have a confirmation page that it was sent. I fell sick with XXXX and was hospitalized and fell behind on my payments due to the increased amounts needed, and have been getting terrible customer service. They told me to send in a hardship application with proof that I was in the hospital which I have done and now have been experiencing bad customer service from the delinquency department. Manager XXXX XXXX and one of his reps spoke to me in a very condescending tone, spoke over me, was not helpful on XX/XX/22. I just want to get this situation resolved so I can pay the correct amount and become current on my loan without the bad customer service.

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 2018-06-22 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: ACS Education Services
State: NC

Complaint narrative:
I have requested verification of a loan reflected on my credit report by ACS. The dispute results come back verified, but the letter sent from ACS states " We have received the material requesting to validate your debt. Unfortunately, Conduent Education Services does not service the education loan you referenced in your dispute. Therefore, we are unable to assist with this request. Please contact your current education loan servicer, XXXX, with the information provided ''. 

If they are unable to provide verification to me, how are they still able to report the account to the consumer reporting agency under the name and account number listed on the report and not provide verification. I have contacted XXXX and they advised me to contact ACS/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi credit card was closed in XX/XX/XXXX. A credit for XX/XX/XXXX {$69.00} was issued to that card by XXXX XXXX but the hostile and dishonest Citi Bank refuses to talk with me on phone and send me my money which I'm owed. 

Citi Cred card end in XXXX XXXX This another example of hostile and unprofessionalism at Citi Bank Card cards.

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 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC
State: WA

Complaint narrative:
I received a recorded message saying that a party had filed charges against me and I had to call them back immediately. When I called they would not tell me who the party was or what the charges were and they told me to call another number. When I called the second number, they brought up an old phone bill from roughly 12 years ago. The original debt was with XXXX. I asked them what they were talking about, how could they threaten to arrest me over a 12 year old debt. I told them it was beyond the statue of limitations and I did not even think their conduct was legal. They laughed at me and hung up. That debt soon appeared on my credit report as if it was a new debt. I tried to dispute it, but XXXX  verified that it belonged to the company that had contacted me and told me I was going to be arrested. The company 's name is ERC. They are located in XXXX, Fla. The number is 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 2018-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mitchell Rubenstein & Associates, P.C.
State: VA

Complaint narrative:
XXXX XXXX  was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to Mitchell Rubenstein and Associates as it pertains to this account. I did contact Mitchell Rubenstein and Associates on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from XXXX XXXX  Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 
I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both XXXX and XXXX telling them to remove this item from my credit reports ASAP and yet it remains.

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/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 2018-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have requested verification of a loan reflected on my credit report by XXXX. The dispute results come back verified, but the letter sent from XXXX states " We have received the material requesting to validate your debt. Unfortunately, XXXX XXXX XXXX does not service the education loan you referenced in your dispute. Therefore, we are unable to assist with this request. Please contact your current education loan servicer, XXXX, with the information provided ''. 

If they are unable to provide verification to me, how are they still able to report the account to the consumer reporting agency under the name and account number listed on the report and not provide verification. I have contacted XXXX and they advised me to contact 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 2018-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to first and foremost thank Transunion for processing my dispute recently but I am concerned that the investigation was not completed properly. I disputed with them through the United States Post Office and I sent a certified letter to make sure they receive the documents because it contained all of my personal information. I will link that letter and the receipts here for your convenience and proof. 

Unfortunately I can not tell if the finished processing my dispute because the 1 old account which has had no activity on it for more than 7 years is still on my file and affecting me. the account is labeled XXXX ( XXXX XXXX XXXX XXXX ).  This account should be deleted like the other one which they were so kind to remove. I would like to have it deleted for premium accuracy please. I have no lates on this account and I am concerned here as well why it shows up on my XXXX monitoring as a late account in my summary section ( which I have linked to this complaint. I am coming here to hopefully expedite this situation because I am attempting to purchase a new home and this inaccuracy and old account is not letting me make that purchase through the bank. 
My con cern is that it has no lates or delinquencies and yet it is saying on my credit report with Transunion that I have a LATE account, which I do not so somehow this account is not registering accurately on my general profile with creditors and this is tremendously damaging for 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 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Requested PMI removal form from Mortgage company on XX/XX/XXXX. They said they would send me the form to drop PMI, it has been 3 weeks, multiple contacts and I still have not received the form in the mail. 

They refuse to EMAIL me this blank template while constantly telling me they " Mailed it '' yet can not show proof. It is not in my mailbox still after 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My husband and I were looking at renting a house around XX/XX/2018. We contacted the person on the ad, filled out a renters application, and lease, and he asked us to send the money via wire transfer since we both banked at Wells Fargo..

We went to our local branch, talked to the teller and he handled the transaction. We never left the bank, never touched the money, have the receipt, and all the other person 's information. A couple days later, the " landlord '' of the new property asked us for an HOA fee, and that's what made us step back and start making phone calls to verify things.

Come to find out, there was no HOA for the neighborhood the house was in, and no one had any information on or about the person we were talking to. After discovering that info, we called the bank, filed the claim with them, went to our branch to talk with the branch manager, filed police report, and every other thing the bank had asked us to do. The branch manager said that since we did everything that was asked, and gave her a copy of all the info we had about the situation and person committing the crime, that she would put a note in our account to allow us to have our money back. 

That was a month ago, and now all we are getting from Wells Fargo customer service reps, investigators, and supervisors is " It sucks to be you, and we refuse to help in any way. '' Our bank who we have been with for almost 5 years is doing nothing to help us, acts like we do not matter, and the suporvisor 's are extremely rude when we talk with them over the phone. We are still fighting with with the bank to get back the {$1000.00} we were taken for, and our wonderful bank is treating us like we are the criminals.

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 2018-06-22 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: VA

Complaint narrative:
Synchrony Bank was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and XXXX  Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed this item and will continue to dispute this item until it is removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed this item yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account. I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXX XXXX XXXX as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from Synchrony Bank Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 
I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. Synchrony Bank informed that they sent electronic letters to both XXXX and XXXX  telling them to remove this item from my credit reports ASAP and yet it remains. 

XX/XX/XXXX will be two months and according to the letter I received from Synchrony Bank it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by Synchrony Bank was dated XX/XX/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 2018-06-22 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: VA

Complaint narrative:
XXXX XXXX was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my Equifax and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed these items and will continue to dispute this item until they are removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed these items yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account and the information is accurate. 

I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXXXXXX XXXX XXXX  as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from XXXX XXXX  Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 

I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both Equifax and XXXX  telling them to remove this item from my credit reports ASAP and yet it remains. 

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit  reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX. 

Also on my Equifax and XXXX Credit Reports they have accounts listed as closed/removed with a {$0.00} balance that is counting against me making my score go down and not up. When items have been verified that they do not belong to an individual and removed from your credit reports your scores goes up not down. Both reports are reporting the same information twice one with the amount and one with a {$0.00} balance so I am confused which one is it? 

Equifax has been the absolute worse of all and they told me that as a consumer I can not dispute any information on my credit report and that they can not delete or remove anything from my Equifax credit report only the company can. Equifax has been giving me the wrong information and every time I call in their is always a problem or I get a person who is a foreigner and does not speak English or their systems are always down. It is never ending and I am sick of it.

Company response to consumer: Closed with explanation