vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Been dealing with Wells Fargo Home Mortgage on the modification process which started after a natural disaster and family loss the repairs were completed and the inspection was approved recently had to signed the paperwork including a split signature due a change on the personal status spoke with multiple employees after received a email from Mr XXXX XXXX who guided me trough the process this process of modification was approved and completed on XXXX/XXXX/2019 I was informed via email today XXXX/XXXX/2019 I received a XXXX package with the old forms dated back from XXXX/XXXX/2019 in blank they sent a check list along with these and it seems they want me to start the process with these forms again I called the XXXX XXXX XXXX number and is disconnected then I proceeded to call the XXXX XXXX XXXX were I spoke with XXXX who got irritated and transferred the call to Ms XXXX XXXX who after a while she placed me on hold as she stated that another department will assist me she mentioned that the paperwork was damaged after call after call I ended with the customer care recovery XXXX who confirmed that on their end my Modification is been approved and completed so he seems confused so he suggested I open a complaint as according to the settlement team my paperwork was damaged misplaced he was not clear I then proceeded with the complaint as this exhausting and stressful process was completed on both ends and now two three days they sent me these blank forms to start all over again my information is been misplaced between their departments and personnel they must follow as their own email stated on XXXX/XXXX/2019 and they are fully liable for their lack of privacy protection on my personal information which was even notarize and sent back in great condition to them via XXXX according to the federal law they are obligated to answer my concerns and they are not able to at this pint after my multiple calls and talking to their employees there I have copies of the documents I sent to them never tough a Company like this doesn't take these type of legal documents seriously and protected according to the law

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 2019-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Americor Funding, LLC
State: TX

Complaint narrative:
XX/XX/2019 Credit9 sent cash disbursement check {$31000.00} as a consolidated loan. When I called they requested personal information which included my social security number. However I think this was a scam to get my personal information because they no longer communicate when I call XXXX and there was no such loan. Im afraid what this company will do with my personal info especially my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Want to freeze my credit reports - had no trouble with XXXX XXXX and XXXX - but EQUIFAX is IMPOSSIBLE. 
After input all the information in their website and force to create an account with them, and answer the identity questions, a box comes up and says " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team '' and gives a phone number of XXXX. 
Calling this number is futile : I have tried FIVE times. They put you in a recording loop, tell you that you can do it online ( which is untrue ), offer to call you back by pressing '1 ', and if they do in fact call back it's like a robocall that says " your client is on the line. press 1 to connect '' without any identification of who is calling - so I of course did not press '1 ' When calling the 888 #, after leaving you on hold in excess of 30 minutes, the recorded loop stops, and then goes to a fast busy signal. 
THIS COMPANY SHOULD BE BANNED FROM  COLLECTING/STORING PERSONAL INFORMATION unless a consumer OPTS-IN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: Sarma
State: TX

Complaint narrative:
These were not my inquiries, identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have noticed over the past few months between XX/XX/2018 to present that there were accounts being added to my personal file that do not belong to me through monitoring service. As this account XXXX XXXX has appeared on my file on multiple occasions totaling {$200.00} through individual accounts listed under the same company XXXX XXXX. I am a victim of identity theft on multiple accounts as it has been reported and currently being investigated. Ive reached out to this company multiple times regarding this matter and have reported this account as identity theft.

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 2019-07-31 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX is the subject of this complaint : 1. XXXX  was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however XXXX  continues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my XXXX middle names. 4. There is an upper tier underscored c followed by a capital B in XXXX. 5. XXXX   is erroneously reporting Ally Financial as late. This car payment has never been late. 6. XXXX   is reporting an Ally Financial past due balance of {$20000.00}, when the payment is not past due. 7. XXXX and Ally Financial are over reporting the current loan balance of {$17000.00}. 8.  XXXX is reporting unauthorized hard credit inquiries from XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXl and XXXX XXXX XXXX XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. XXXX is improperly reporting XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer.

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 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union has frozen my account access online, in person, and is rejecting ACH transfers. The account has been frozen since XX/XX/2019, and conversations with their customer service has gotten no response. Customer service refuses to give a reason for the freeze or a time table for resolution. I was told that a representative would call me " at some time, '' but no actual range of times were given for the call to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Upon looking at a credit report, I noticed a collection account from XXXX  XXXX   XXXX. I seen there was a date from 2016. I have not received any contact from such company explaining my rights to dispute. Also they have not been able to provide proper documentation regarding a contract between myself and XXXX XXXX. My original debt was with Chrysler capital where I returned the vehicle too. Also chrsler capital failed to inform me of the 3 days change of mind clause allowing me to back out of loan in 3 days. I returned vehicle back to Chrysler capital less than a year from sale. It was a preditory loan that would have me paying {$40000.00} more than the vehicle was worth. I have disputed the XXXX XXXX on through all 3 credit bureaus and they continue to illegally report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2019, my son XXXX XXXX and I applied for a {$20000.00} loan on a car to which he already had clear and unencumbered title, to liquidate that equity for unrelated purposes. 

On a single phone call, a loan officer for Navy Federal Credit Union took both of our social security numbers as well as the VIN for the car we were pledging as collateral, and with our permission accessed our credit reports. She did NOT disclose to us, however, before accessing them, that the loan 's final approval would be conditioned upon her obtaining a " XXXX '' for the vehicle which did not indicate ANY faults, issues, negative history, or problems. 

She determined we were qualified for the loan, sent an email to me containing a hyperlink to a web page which she indicated would allow me/us to e-sign a promissory note and/or other relevant documents to fund it, and asked me if I would like to pick up the check in a branch or have it mailed to me. I indicated the latter, and the call ended soon thereafter. 

Within 30 minutes, we called back to ask a question about the loan ( whether it might be possible to increase its size, since the original requested amount was {$10000.00} less than {$30000.00} the maximum amount the loan officer disclosed to us that the vehicle 's {$27000.00} value would support, per their lending guidelines. 

On that call, we were told that the loan 's approval had been rescinded because of a " red triangle '' on the XXXX they had obtained, indicating that the car had, nearly two years ago, sustained " structural '' damage. 

NOTE : " Structural damage '' does not in any way equate to a branded, salvage, or otherwise less-than-clear title. I would also note that a similar product we purchased before buying the vehicle less than a month ago, " XXXX '' indicated NO such negative information. 

So, my son 's and my credit reports now contain " hard '' pulls because this institution sought and obtained our permission to access them under the false/fraudulent pretense that, if our credit and income was sufficient, we would be ( and IN FACT WE WERE ) APPROVED for this loan. They chose to more deeply research the collateral we were pledging, which can not suffer harm as a result of such research, only AFTER deeply researching us as borrowers, damaging both of our credit ratings in the process!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX and purchased a prepaid XXXX phone clealry marked " Prepaid '' on the box, and marked many times within the packages contents. XXXX only sells prepaid phones. I used the phone for two months purchasing prepaid phone cards from XXXX. This is the only time in my entire life I have ever used XXXX for any purpose. I never made any purchases, signed up for any contract, or incurred any charges. I never received any bills, collection notices, or any communication in any form from XXXX ever. How can I owe money for something I never had, and for an account I never opened? Have they somehow mistaken a prepaid phone I purchased outright for something else? It states " Loan Type '' ..what loan are they speaking of? Almost 3 years later I see this on my credit report. 

Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : TELECOMMUNICATIONS/CELLULAR Balance : {$130.00} DateUpdated : XX/XX/XXXX High Balance : {$130.00} Past Due : > XXXX XXXX< Pay Status : >In Collection< Date Closed : XX/XX/XXXX I am 100 % certain this is an error. I am sure I have never owed XXXX any money for any reason. I filed a credit report Investigation with Transunion who sent me back a result stating only that it " Belongs to me ''. and nothing has changed. I still have the phone I purchased from XXXX. When I called XXXX they have no idea what the charges are for and were not able to tell me anything.

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 2019-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Century First Credit Solutions
State: CA

Complaint narrative:
hired this company to consolidate my debts and pay those debts I am paying {$380.00} per month and almost more than a year paying them this amount but they have not complied with this program to pay the debts I communicate with them and say they are negotiating the doubts but it is not true and I received several letters of lawsuits in court and they do not give me solution to these problems. What I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My debit card information was stolen and used across multiple businesses on XX/XX/XXXX, XXXX and XXXX 2019 throughout the XXXX area. However, I left XXXX on XX/XX/XXXX to go on vacation for the holiday. There is a XXXX charge on my account proving that I was NOT in the city on XX/XX/XXXX. 

I reported the unauthorized transactions to Regions on XX/XX/XXXX. 

I filed a police report on XX/XX/XXXX. 

I have spoken with a Regions representative about my case, and she let me know that the Fraud Claims Department denied my request for reimbursement today, XX/XX/XXXX. 

These are the charges with location, date and amount : XXXX # XXXX XXXX XX/XX/2019 {$6.00} XXXX # XXXX XX/XX/2019 {$100.00} XXXX XXXX XX/XX/2019 {$9.00} XXXX XXXX XXXX XX/XX/2019 {$250.00} XXXX # XXXX XX/XX/2019 {$460.00} XXXX   XXXX XX/XX/2019 {$87.00} XXXX # XXXX XX/XX/2019 {$250.00} XXXX # XXXX XX/XX/2019 {$210.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$14.00}

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 2019-07-31 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: GA

Complaint narrative:
Trans Union is the subject of this complaint : 1. Trans Union was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however Trans Union icontinues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my two middle names. 4. There is an upper tier underscored XXXX followed by a capital XXXX in XXXX. 5. Trans Union i is erroneously reporting XXXX XXXX as late. This car payment has never been late. 6. Trans Union is reporting an XXXX XXXX past due balance of {$20000.00}, when the payment is not past due. 7.  Trans Union and XXXX XXXX are over reporting the current loan balance of {$17000.00}. 8. Trans Union i is reporting unauthorized hard credit inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. Trans Union is improperly reporting the XXXX  of Atlanta, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer. 10. Trans Union ioriginally removed negative reporting from XXXX XXXX XXXX XXXX and [ XXXX ] XXXX Account with respective balances of {$22.00}, XXXX ; {$5100.00} ; {$4200.00} ; {$3400.00} ; and {$2700.00} but have since replaced these negative accounts on my credit report.

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 2019-07-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently tried to apply for a loan and was denied, because of debit listed on my credit report that doesn't belong to me. I lost copies of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: Midwest Recovery Systems
State: TX

Complaint narrative:
Yesterday I checked my credit report and saw that there was a collection account on my account. I have never had any dealings with a company called XXXX XXXX and definitely did not default in any circumstances with them. I hereby request that Midwest recovery systems send me all info they have on this supposed account and so that I can prove it is not mine! If they don't have this info I demand that they have it removed from my credit file immediately! I have already disputed these with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I never spoke with this CO some from their made a dollar payment to make this account active again

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 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Credit & Collection Corporation
State: ID

Complaint narrative:
To XXXX XXXX XXXX file # XXXX This is a time barred debt. 
I have filed several complaints about several companies since XX/XX/2016 starting with XXXX XXXX XXXX in Texas Case # XXXX. Here is a list : 1. XXXX XXXX XXXX after they said they would cease collection who then turned it over to 2. XXXX also in Texas Case # XXXX also who agreed to cease collection and return it back to XXXX. 
Recently a barrage of agencies have been contacting me starting with XXXX XXXX Case # XXXX which could not be located. 
At the same time I had mail from an agency, XXXX  in Washington State, and calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all claiming to be collection on this same XXXX XXXX  Time barred Debt which XXXX XXXX wrote off a decade ago. 
It does not appear on any of my Credit reports which I monitor regularly. 
XXXX, XXXX and XXXX all ceased attempting collection when I confronted them with the status. 
XXXX XXXX XXXX ( calling me from XXXX ) you are only the latest in a line of agencies that have lied, connived, threatened and continue to attempt to collect a debt that XXXX XXXX  themselves wrote off. It is time barred, considered un-collectible. 
It is not on my credit reports. 
Stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: VA

Complaint narrative:
I recently tried to apply for a loan and was denied, because of debit listed on my credit report that doesn't belong to me. I lost copies of my personal information.

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 2019-07-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently tried to apply for a loan and was denied, because of debit listed on my credit report that doesn't belong to me. I lost copies of my personal information.

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