vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX investigated into XXXX and adjusted balance to {$0.00} as terms of loan were 24 months long beginning in XXXX of XXXX, however in XX/XX/XXXX the company did three inquiries on XXXX  and made it appear as if I applied for an additional loan however I did not. they utilized my personal information ( social security, name and address ) without authorization and permission conducting fraud I informed the credit agencies to no relief. in XXXX I had EQUIFAX investigated into XXXX  on or around XX/XX/XXXX and EQUIFAX adjusted balance to {$0.00} as terms of loan were 24 months long beginning in XXXX of XXXX and thus completed in XXXX. This past month the balance again appeared to approx $ XXXXso I had EQUIFAX RE-investigate and there was no change. the reporting after the XXXX terms is not accurate I have contacted XXXX  as well as attorney general but no response from creditor and I am telling EQUIFAX to delete this account as did XXXX  and XXXX when they took the time to simply look at terms of the loan of 24 months, however EQUIFAX did not contact me for documentation that there company stated they lost my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My car was recently Stolen and so I have no Car to go to work nor to drive for my personal needs. I contacted the bank for a extension or a payment to be pushed back, and after Never being late in any payments they said no, I asked them kindly because I literally have to rent a car until this issue of the car getting stolen gets resolved. the bank denied me any request but threatened to report to the credit bureau if I did not make any payment this month. I am disgusted of how I was treated with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Allegiance Accounting Services, LLC
State: CA

Complaint narrative:
I have been called and emailed several times by a collection company Allegiance Accounting Services an Outsourcing of Legal Service of XXXX XXXX County. A representative of this company XXXX XXXX stated, that I could be arrested for check fraud. The caller, stated that I had made 17 payments to XXXX XXXX and had stop paying for some reason. I stopped the caller and informed her that the debt is part of an active bankruptcy and she is violating the stay. She stated that it wasnt part of a bankruptcy and refused to take the case number. She stated that a process server would come to my house tomorrow at XXXX. Then hung-up. I have a voice message which she left on my phone and emails from various scams. I concern because they are in possession of many important aspects of my identity.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is currently data furnishing illegal, erroneous and outdated information to all major credit bureaus. I have sent three written demands ; Validation Demand, Estoppel Letter and Intent to Sue in hopes of obtaining a complete account history and ultimately correcting their records in order to correct the bureaus reportings. I have only received one letter in nearly 120 days of my attempts and the letter simply states they would like to speak to me. I have a legal right to complete my written request and keep all communication in writing. This company has violated the Fair Credit Reporting Act in multiple ways. I am in desperate need of having this account data corrected.

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: CORELOGIC INC
State: CA

Complaint narrative:
On or about XX/XX/XXXX I noticed in my XXXX XXXX app that monitors my credit scores that my credit score dropped, and there was a hard inquiry. The entity that pulled the hard inquiry on XX/XX/2019 is the following:CREDCO/ XXXX XXXXXXXX XXXX XXXX XXXX CA XXXXXXXXI tried to call this number and it always said all circuits are busy.I did not authorize this inquiry. I have not authorized anyone for a hard inquiry recently, and my banker said they did not ask for this inquiry.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
This is in reference to more a visa debit card not credit card..on XX/XX/2019 i entered suntrust bank on XXXX XXXX XXXX XXXX, XXXX, ga XXXX to get a cash advance off my visa debit card..the teller refused to issue funds to me even though i had proper i.d.drivers license and additional i.d . and funds where available..im not a customer of suntrust but just needed the funds issued to me..they told me i could use the atm and get the funds but atm only issues out a certain amount and i need more than atm allowed..there excuse was they only do advances on pre paid cards which is rediculous ... i have worked at banks before and never heard of such a practice they stated was there policy..for one its an unfair practice ..i cant receive funds from teller but i can go the atm where i will be charged fees.. next i have gone to other suntrust bank where i had no problem at all and they issued funds to me so how can one bank issue funds and another not ... this bank is not following banking guidlines or picking and choosing who they issue funds too..suntrust bank at XXXX XXXX XXXX XXXX, XXXX, ga XXXX issues funds to me in the past with no problem but suntrust bank at XXXX XXXX XXXX XXXX, XXXX, ga XXXX doesnt follow same guidlines

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 — Reporting company used your report improperly
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
They did not clearly specify that they needed Tax Returns they asked me to state my income then ran my credit I never wouldve consented to running my credit if they disclosed of the fact that they would determine my eligibility exclusively base on my Tax Returns I felt like they should disclose this information before running my report I did not clearly understand that they may have requested Tax Returns specifically. They should have clearly stated that I needed Tax Returns before running my credit this has effected my credit adversely and would have clearly been prevented if they did. 
Please remove this hard inquiry please remove based on the confusion and lack of clarity.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charged me {$140.00} in overdraft fees, customer service agent claimed to be unable to reverse overdraft fees due to a maximum of five reversed overdraft fees in the past year. 

I cited extenuating circumstance, XXXX  XXXX XXXX trustee refusing to disburse, causing me problems since XXXX of XXXX. Again, denied. ( XX/XX/XXXX, XX/XX/XXXX ) XXXX negligence being investigated by XXXX  XXXX XXXX and XXXX County District attorney 's office. Therefore, impossible for Bank of America to be in the right. 

Somewhat of an air of hostility percieved when speaking to Bank of America start-ups had to ask for supervisor multiple times.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the second time my information was used in Equifaxs  data breaches. This will be a legal action, if Im not compensated for my information being prior exposed in XXXX and also in XXXX, XXXX for yet another data breach. I have previously disputed fraudulent/ unauthorized hard inquiries and accounts with Equifax XXXX I am a dissatisfied consumer and have previously added a a security alert on my credit report due to fraud. All of this has been a nightmare, has been an inconvenience and definitely has limited my trust with the credit bureaus. Tax dollars are being used to provide to credit bureaus so consumers information such as social security numbers, addresses, phone numbers, names, DOB and employer information can be protected. I am requesting for Equifax to give me peace of mind for all of the stress and previous disputes they have received by me or legal action with be conducted. Please see document below which I am affected by another data breach in XXXX from Equifax. I refuse to send any personal information/ documents via mail as this is how personal information is stolen. I am a displeased consumer who should receive a settlement for prior disputes, all inconveniences, data breaches that have exposed my information throughout the Web and across the world to unknown people and sources.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm currently in review for a modification with my mortgage company, XXXX. I received a letter in XX/XX/2019, stating that they had all of the required documentation and the review was complete. I never received a decision. 

In XXXX, XXXX, reported to the credit agencies that I've signed a deed-in-lieu. I have not. I contacted XXXX immediately and they agreed that it was error and would be removed within 3 days. Two weeks later, I received a letter from them stating that the deed-in-lieu is correct. 

To date, they have not removed this misinformation which has adversely affected my credit nor have they sent me a decision on the modification.

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 status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm currently in review for a modification with my mortgage company, XXXX. I received a letter in XX/XX/2019, stating that they had all of the required documentation and the review was complete. I never received a decision. 

In XXXX, XXXX, reported to the credit agencies that I've signed a deed-in-lieu. I have not. I contacted XXXX immediately and they agreed that it was error and would be removed within 3 days. Two weeks later, I received a letter from them stating that the deed-in-lieu is correct. 

To date, they have not removed this misinformation which has adversely affected my credit nor have they sent me a decision on the modification.

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 status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm currently in review for a modification with my mortgage company, XXXX. I received a letter in XX/XX/2019, stating that they had all of the required documentation and the review was complete. I never received a decision. 

In XXXX, XXXX, reported to the credit agencies that I've signed a deed-in-lieu. I have not. I contacted XXXX immediately and they agreed that it was error and would be removed within 3 days. Two weeks later, I received a letter from them stating that the deed-in-lieu is correct. 

To date, they have not removed this misinformation which has adversely affected my credit nor have they sent me a decision on the modification.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I filed a claim with the FTC for the equifax data breach under the pretense that by waiving my rights to pursue additional legal recourse against equifax I would be paid {$120.00}. I filed this claim on XX/XX/2019. I discovered today via the FTC website that they would not be honoring this agreement and the payment would likely be much less. ( XXXX XXXX XXXX/ XXXX XXXX claims as of today = {$7.00} per person ). This does not even account for those who have had their identities stolen and were ( before today ) entitled to up to {$20000.00}. 

The FTC is encouraging people switch to the credit monitoring option but I do not trust equifax to monitor my credit after they have exposed my financial information and social security number. I don't know anyone who would agree to have the company who was so knowingly and extremely negligent do this. 

Please note I attempted to submit a complaint on the FTC website but was directed to this website instead

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
To my dismay, on XX/XX/2019, through a declined purchase and later a follow up phone call I have found out that my accounts with Barclays bank have been closed. I would have appreciated the bank making me aware of their actions so I could have planned around this. As a loyal customer, who has paid their bills with the bank 100 % of the time, on time, and who manages their accounts judiciously I find this extremely unwarranted. I have called in and explained my position and the representatives are rude and callous and offer zero customer service in rectifying the situation. Not only will they not reconsider reopening my accounts as hoped, the rewards, miles/cash back that I have earned on my accounts they are unwilling to release back to me. Not a happy customer.

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 card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I took out a store credit for an engagement ring for my now fianc through XXXX. I paid each payment on time through their online portal. I followed the account summary page which told me my current balance, minimum payment due and due date and available credit. On the last payment in XX/XX/2019, according to the website I paid on time and in full what was originally agreed upon. 

What I did not know ( because it was not listed on my summary page ) is that although I paid every payment on time and the debit in full, the " promotional period '' ended on XX/XX/2019 which the summary page DID NOT provide. I was then charged an interest and late fee of {$160.00} the following month XX/XX/2019. 

When I called to report this I was told that " I should have checked my statement '' and not relied on the account summary information displayed on the website. After pleading with two agents about my consistency with the company in paying my bill on time over the last year, I finally gave up. They would not agree to remove the fee -- because of the inconsistency on their webpage -- and informed me that it was my responsibility to check both the statement and the summary page.

Company response to consumer: Closed with 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Inquiry pulled without consent by XXXX on XXXX XXXX Inquiry pulled by XXXX without consent on XX/XX/XXXX Inquiry pulled by XXXX without consent on XX/XX/XXXX Inquiry pulled by XXXX XXXX XXXX without consent on XX/XX/XXXX Collection account by XXXX XXXX XXXX which is not mine for {$1900.00} Collection account by Account XXXX XXXX which is not mine for {$130.00} Equifax had refused to authenticate and remove inaccurate information

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: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax added a account the was removed back onto my credit fcra violation did not notify me about the account that was removed FTC violaton XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I understand I am having financial difficulties and have communicated with mobil loans, now 4 days in a row telling them I will send in a payment soon. Each time I contact them letting them know when I will make a payment, they call immediately after acting like its the first time they are contacting me. I just got a job and they call my phone up to 10 times per day.I spoke with them today at XXXX  and they called again at XXXX.

Company response to consumer: Untimely response
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: TX

Complaint narrative:
equifax added a account the was removed back onto my credit fcra violation did not notify me about the account that was removed FTC violaton XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo did not honor their PMI deletion process or vendor-approved home valuation, and it has unjustly cost me XXXX of dollars in fees. 

My original purchase price has been WELL below market value since I purchased XX/XX/XXXX. THREE full and recent bank appraisals have confirmed this. WF first sent me their instructions on PMI deletion XX/XX/XXXX. After reading them very carefully, it was clear to me that all I needed was a current appraisal to show the real home value. I applied XX/XX/XXXX. Rejecting a {$700000.00} bank appraisal dated XX/XX/XXXX from another bank for a HELOC application, WF told me I had to use and pay for their approved vendor. Following the process, I paid {$200.00} for their in-house approved BPO vendor to appraise for current valuation. 

The WF BPO Vendor inspected on XX/XX/XXXX and reported a value of {$590000.00} on XX/XX/XXXX. This ridiculously low valuation was still enough to bring my LTV to 70 % - well below the 78 % PMI deletion threshold. WF acknowledged the qualifying valuation but DENIED the MI deletion based on a NEW requirement that I did not provide documentation for " significant and substantial improvements '' that substantiate the " increased '' value of the home. Subsequent appeals to WF were also denied. They did not care that my original purchase price was depressed due to a lease-purchase agreement with the prior owner. 

Furthermore, I would not have even started their process and paid {$200.00} if the improvement documentation was required. 

The only recourse is to refinance to get out of $ XXXX MI now fixed for the next six years. That refinance cost me over {$3500.00} in loan cost. 

To add insult to injury, WF issued an XX/XX/XXXX loan payoff statement with a line item " PRORATED MORTGAGE INSURANCE {$420.00} ''. When I called WF ( 3 times ) to clarify why an additional FULL month of MI was added to a "  prorated '' payoff on the 5th of the month, they cited " rules and regulations '' that MI is NOT, in fact, prorated but triggered at the start of the month, and paid the following month ( " paid in arrears '' ). 

While they are well-aware that I signed my refinance closing documents at the end of the prior month ( XX/XX/XXXX ), they will still charge a full ADDITIONAL month of MI since the payoff funds will not post to the account until XXXX. Even an XX/XX/XXXX payoff would include a full XXXX MI payment. Crazy. 

This PMI should have been deleted XX/XX/XXXX, but my choices are to either pay 5 additional months and refinance, or stay and pay for another 6 years ( {$15000.00} )! 

I should be reimbursed {$200.00} for the worthless BPO valuation and {$210.00} for the unnecessary XXXX MI fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief