vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My husband and I applied for a loan on Saturday XX/XX/2018 the company pulled our credit reports and the notification of a hard inquiry on Equifax immediately came through on my XXXX XXXX App. I have also been able to see my equifax score and account information since equifax was added to XXXX XXXX. Today XX/XX/2018 the company sent our information to the credit union that will be completing our loan and the credit union was able to pull my husbands information but not mine. I contacted Equifax and they told me that they do not have a credit report for me. I informed them that I could see my Equifax score on XXXX XXXX  and that there was no way they didnt have a report for me. They just kept telling me that they could not find one and would not provide any solution, investigation, or information on how to resolve this error. Its like I was deleted from the system after Saturday and Equifax showed no interest in finding out what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Monroe Credit, LLC
State: LA

Complaint narrative:
On Monday XX/XX/2018 my previous employer said that Trenton loans contacted them asking my whereabouts, if they knew I was working. He said they told him I dont need to dodge them. Theyll work with me if I call them and let them know my situation, they said they havent sent anything to collections yet. They told him they wan na try to work something out with me before that happens. They asked for my number, They said that the letter isnt a suing letter its a 10 day notice and they wan na work something out with me so they dont have to send it to collections. 

After this conversation with my previous employer, Trenton Loans called me. The ladies name is XXXX XXXX, she said that they were needing payment. I explained to her that I was unemployed now since XXXX, that Id been evicted from apartment and living house to house, and just gotten out of the hospital from having XXXX on XX/XX/2018. I told her that I had no way to pay them. I told her that I was aware that she had called my previous employer and that she had released all my information to him violating ethical practices for collections. She said that I shouldnt have put him down on the application, I told her that regardless of who I put down, that by law she is only allowed to tell a third party that they need me to contact them. No financial details can be released, they cant even say that they are collecting a debt or that Im behind or that there is a loan, She hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Netspend Corporation
State: VA

Complaint narrative:
On XX/XX/18,XXXX NetSpend service rep . Blocked monies on card XXXX, I reported unauthorized charges XXXX from XXXX XXXX on XX/XX/18, service rep said theft happened, I told rep, transaction was not authorized, please submit claim rep refused my request, blocked card, Said she would order new card. On XX/XX/18, I called XXXX XXXX about actions on my acct with NetSpend, XXXX XXXX rep said purchase prepaid card and transfer remaining amount on prepaid card and use your monies. I called NetSpend back on XX/XX/XXXX with new card number XXXX rep said block was on prepaid card and 24 hours for XXXX, to be unblocked. I called on XX/XX/XXXX, again NetSpend service rep,24hours for monies to unblock. XXXX XXXX said on XX/XX/18 they can't make NetSpend service release funds,. I called NetSpend Corporate office XX/XX/18, no one will help. These are XXXX pension and SsI  benefits,, please help me. thanks

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 2018-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I applied for a personal loan with First Tech Federal Credit Union on XX/XX/XXXX for $ XXXX. Online advertised 24 hours loan approval decision, and its been 84 hours, and I have not gotten the loan approval from the XXXX XXXX. 

I was advised that I would get the approval within 24 hours from the Financial Representative helping me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: OK

Complaint narrative:
My account has been permanently limited ( unable to do anything on it ) without a reason given. I have fully verified my identity by uploading a picture of my SSN and Drivers License. I have uploaded an invoice for the items I sold on XXXX which were requested. Even after providing all of this information, they have still decided to permanently limit my account with almost {$3000.00} sitting in it unable to withdraw it. My email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA

Complaint narrative:
I was under contract on a home after receiving lending approval on XX/XX/2018 and an approved purchase amount from NACA. 14 days prior ( closing was scheduled for XX/XX/XXXX ) to my scheduled closing date NACA informs me that they are unable to honor the approval. Which are due to the errors of their own underwriters, licensed mortgage counselors and home counseling staff. 

I have multiple written correspondences with the approval date and amount, as well as attempts to eliminate any potential issues prior to the end of due diligence periods however their counselors, management staff and underwriters were non responsive via phone and email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: GA

Complaint narrative:
My credit shows a closed Chase Card account with a balance of {$870.00}. It shows that this account was opened XX/XX/XXXX. I wrote the company to have this account VALIDATED on  XX/XX/XXXX. While I did receive an " internet application '' showing my information, this does not validate the debt. I also wrote the company stating that the account was a result of fraud and that a police report had been filed regarding the account. A copy of the report was sent to the company as well. The account remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Contributor : BANK OF AMERICA Contribution Ref # : XXXX XXXX Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MD XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : MD Incident Date : XX/XX/XXXX Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner I deposited a check from my account the check had my old account number on it. and the bank placed a fraud alert on my account. I told the teller that My dad XXXX and I had to close our joint account but I still had an account there. they flagged my account and closed it. I owe no money. I brought in my dads XXXX XXXX and our close account information along with my pen account information and they refused to reopen it. or remove the flag.

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 2018-12-10 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: NJ

Complaint narrative:
I notice my credit report has unauthorized inquiries, same place but different dates XXXX XXXX XXXX Date:XX/XX/XXXX XX/XX/ :XX/XX/XXXX Type All Banks XXXX Date :XX/XX/XXXX Type Telephone Companies XXXX XXXX Date XXXXXX/XX/XXXX Type Telephone Companies XXXX XXXX XXXX XXXX  Date : XX/XX/ Type All Banks XXXX XXXX Date XX/XX/XXXXType General Clothing Stores XXXX XXXX XXXX  Date:XX/XX/XXXX Type Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Date XXXX Type Auto Financing Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AL

Complaint narrative:
I was a resident of XXXX XXXX XXXX. I moved out on XX/XX/XXXX. On XX/XX/XXXX I submitted my notice to vacate which, includes a counseling on cleaning requirements. This counseling was completed XXXX of XXXX XXXX the property management company which currently manages XXXX XXXX housing. She notified my wife via email of charges we were being assessed on XX/XX/XXXX, four days after our move out, while we were in route to our next XXXX XXXX. We advised her the charges were not correct namely the floor cleaning fee of {$120.00} which she stated in writing during my XX/XX/XXXX counseling with her would be {$60.00}. According to the collections agency attempting to collect this debt they received this case XX/XX/XXXX, all the while we believed the charges were being corrected. My wife received an email from XXXX on XXXX the XXXX and XXXX, she overlooked because we were in contact with XXXX not XXXX concerning the matter stated above. The collections agency was given the incorrect phone number concerning collections of this debt, despite my phone number being written directly on top of the bill in question and I was never notified of collections being involved which resulted in negative impact to my credit. Since then XXXX XXXX has admitted to the overcharge and reduced the bill accordingly. IT IS IMPORTANT TO NOTE I WAS NEVER CONTACTED DIRECTLY CONCERNING THIS MATTER, ALL COMMUNICATION WAS DIRECTED TO MY SPOUSE, AND I WAS REPORTED TO A COLLECTIONS AGENCY NOT HER. XXXX XXXX HAS MY INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: NJ

Complaint narrative:
I used worldremit.com platform on XX/XX/2018 to transfer an amount of XXXX $ from my Checkin account to a savings account in XXXX. The amount was debited right away from my account but was never credit in the intended account where it was suppose to be. I reported this with the customer support of world remit to look into the matter via email. After a chain of email conversation back and forth I received an email in XXXX on XX/XX/2018 which says that the case is closed from their end as they could not find any information where the money went missing. 
The transaction number is XXXX The case number for the complaint is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was not given any notification on the status of my loan, when I spoke with a representative today to obtain a reinstatement amount I was told that that since my vehicle has been repossessed it will be 24-48 hours before the amount is available. I was also told that a cease and desist was received. Wells Fargo Dealer Services has made violations in the past with regard to collection on this debt they have disclosed my loan status to a friend in order to obtain information. They have also misrepresented themselves as a prospective employer in order to gain information. This time they have searched a non affiliated party to the loan to obtain the location of the vehicle. They have used in the past the tow truck company the killed one of their consumers in a vehicle chase. I would not doubt that they would go to any lengths to make money. They get away with this time and time again. I know I am not the only one.

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 2018-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I called NAvient the other day to try and discuss my payment situation.i was on the phone with them, then the account specialists transfer me to another person, and come to find out that my account was in collections, and the person couldnt do anything. The person told me if i had the money of XXXX then i could pay it and get it out of debt status if not i had to wait. Then the person had told call back within two weeks to see who my debt collector is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc.
State: IA

Complaint narrative:
XXXX XXXX and Computer Credit , Inc are attempting to collect a debt for services that were not rendered. I have notified XXXX XXXX 's office in XXXX XXXX XXXX, Iowa of the issue but to no resolve. Instead, they have engaged Computer Credit to attempt to collect from me. 

The bill amount is for {$1200.00}. The only services performed by XXXX XXXX was a XXXX procedure. This bill is for a XXXX - a service NOT provided by XXXX XXXX. Further, I was under NO CONTRACT to buy a XXXX  from them. The reason I did not use their service is that the prices were too expensive and they treated the entire process like I was buying a used car.

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 2018-12-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian have took XXXX XXXX XXXX of my credit report and then again put back on my credit report. if something is charged off, doesn't that mean they no longer have the " Apparent Verified '' contract and have written off the debt? Therefore, should be delete. provide me with copies of all documentation associated with these items that have been placed in my credit report, bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, any items negatively reporting, needs to be immediately deleted from the credit file you maintain under my name and social security number .I dispute XXXX XXXX Bank : incorrect balance, payment history, last payment made, last activity, date account was opened, high balance, amount pass due, account number.

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 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a Huntington 5 checking account in the XXXX branch in person. I emailed my coupon code to the banker for a {$200.00} checking bonus. XXXX XXXX : XXXX You were required to make cumulative deposit of {$1000.00} w/in the first 60 days. I made the {$1000.00} deposit at opening to satisfy the conditions of the bonus. The {$200.00} was to be deposited within 14 days after the account was open for 90 days ( XXXX XXXX ). XX/XX/XXXX is 104 days after opening and I have not received my bonus. I contacted the customer service line for Huntington and was told to contact the branch. I contacted the branch and have not received a contact back from the banker who opened my account as of the time of writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10 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: DHI Mortgage Company
State: FL

Complaint narrative:
My wife and I contracted with XXXX XXXX XXXX to purchase a new home in XX/XX/2018. Our credit was verified at that time. The house was not started until XX/XX/2018. Our credit was run again by the builders mortgage company again in XX/XX/XXXX prior to the start of the home. I advised them that there was no need to run the inquiry because the home was not started and the existing report was good for 4 months. The home is still not finished and they are now going to have to run our credit once again. I have asked that they remove the inquiry, however, they stated they did not know how to do this and advised I would have to handle. The lender admitted to me that she made an error by checking our credit prematurely. We are asking for help in having this inquiry removed from both my wife and my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: NJ

Complaint narrative:
I notice my credit report has unauthorized inquiries, same company but different dates XXXX XXXX XXXX Date:XX/XX/XXXX :XX/XX/XXXX: XX/XX/ Type All Banks XXXX  Date :XX/XX/XXXX Type Telephone Companies XXXX XXXX Date XXXX XX/XX/XXXXType Telephone Companies XXXX XXXX XXXX XXXX  Date : XX/XX/ Type All Banks XXXX XXXX Date : XX/XX/ Type General Clothing Stores XXXX XXXX XXXX   DateXX/XX/XXXXType Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Date XXXX Type Auto Financing Companies

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 2018-12-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, PNC stated that it had declined my loan modification because I had had 4 loan modifications in the past and that number is for the life of the loan I am therefore never again eligible for a loan modification again per PNC. 

PNC has FAILED to provide through CFPB 4 ( FOUR ) loan  MODIFICATION AGREEMENTS signed by me since the INCEPTION OF THE LOAN on or about XX/XX/XXXX. 

PNC FAILED to attach any policy which supports its decision not approve my loan modification per policy. I HAVE ASKED FOR COPIES OF POLICIES ON MULTIPLE OCCASIONS. POLICY SHOULD BE MADE AVAILABLE FROM AT LEAST XX/XX/XXXX, THE MONTH I INITIALLY APPLIED FOR THE LOAN MODIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates : 30 days late as of XX/XX/XXXX and 30 days late as of XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: CA

Complaint narrative:
I stayed at a bed and breakfast for 7 nights. Owing XXXX, XXXX dollars a night. The owner allowed me to stay, with the promise to pay after I was paid on XX/XX/XXXX. She offered me no copies of anything to support her claim. She photocopied my driver 's license and debit card, which is how she made the fraudulent charges. 

She demanded cash, at that point, which I withdrew on XX/XX/XXXX, in two transactions at two different XXXX stores, for the owed money. Then, without written consent, or any sort of notification, she also wiped out my entire checking account. 

Key promised I would have my money back in my account in no less than 48 business hours. I can not reach a supervisor by phone. I can not pay my credit card bill, nor phone bill either this month. Key has done absolutely nothing to get me a replacement card, expeditiously, nor, most concerning credit the fraudulent charge. The owner keeps blowing up my phone and threatening me and demanding for more than she is owed. She has promised to charge my card again for the ficticious amount owed. 

Key has been cavalier with the concerning issue and done absolutely nothing to repair the damages and losses I've incurred, middle of a move and during the XXXX holiday, they have stood by and done absolutely nothing. Key keeps me on hold for 20-30 minutes at a time and no help has been offered, I'm never allowed to speak to a supervisor. They now claim I will be credited in 10 days. There is zero urgency from them regarding the theft of my money. 

Key has a long history with me of not responding to ANY of my cfpb complaints, nor ever offering any sort of follow up, nor especially resolution. I'm sure this one will be no different.

Company response to consumer: Closed with explanation