vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.

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 2019-07-30 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.

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 2019-07-30 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: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charged-off account where I am shown as an Authorized User on XXXX XXXX  - partial account number XXXX. ( Please see page 13 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however, Equifax and XXXX have not removed this from my report. I have contacted the ( 2 )  bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Bank sent unauthorized transfer check to another bank, even though that recurring transfer and payee was cancelled one month prior. Check was never cashed, but Wells Fargo refuses to return XXXX that they wrongfully took from my account.

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 2019-07-30 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: IL

Complaint narrative:
I SUBMITTED SEVERAL DISPUTES OF INACCURACIES ON MY CREDIT REPORT. I EXPLAINED WHATS INCORRECT AND CB REFUSED TO GET CORRECT AND REMOVE OR CORRECT OFF CREDIT REPORT. ITEMS ARE INCONSISTANT ACROSS ALL 3 CB..THEY ARE NOT OBEYING THE FCRA LAWS AND NOW IN VIOLATIONS..

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 2019-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Our closing was scheduled for XXXX on Monday XX/XX/2019 by XXXX of XXXX XXXX for a home equity loan with Citizens Bank. XXXX called and left a voicemail Monday afternoon at XXXX to reschedule the appointment for XXXX XXXX. He said, Id like to see if we can adjust it to XXXX. They have me in XXXX at XXXX and I am fearful of not being able to be back in time for XXXX. He ultimately arrived at XXXX. We proceeded to quickly sign the loan paperwork, and once complete, he gave me a copy. I implicitly understood it was our copy of the closing paperwork. On the morning of Thursday, the XXXX, I proceeded to open the folder, and was shocked to see the paperwork belonged to XXXX XXXX and his wife XXXX of XXXX NJ. I called XXXX, and told him the situation, to which he abruptly responded, I picked up the wrong paperwork off the printer. I asked him pointedly, who has my paperwork? He said in response, NO ONE! Around XXXX, I could no longer trust Citizens Bank or XXXX XXXX to resolve this situation before untold horrors could occur, so I called the XXXX customer whose information I had, to see if they had ours. Mr. XXXX initially concerned I was phishing, ultimately relented, and checked his copy only to find out that he did indeed have ours. Who is to say he ( MrXXXX XXXX ) didnt already share or sell my information? How do I know this wont happen again with the financial outfits who now have my information? I am exasperated! I need to protect myself, and my son. XXXX XXXX VP of Citizens Home in XXXX NJ is aware, and agreed to meet XX/XX/XXXX, but it's already too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am having extreme hardship and I have talked to Ally Financial, we made an agreement to have missed payments on the back of the loan. they reneged on that and repossessed my car. That's not what has me upset the most. I feel extremely offended by the customer service reps that I spoke to. I was called a very XXXX  women by one gentleman. I am upset at that, I have called the company, I have contacted the XXXX  and the response that everyone receives is that they will not reply due to privacy concerns. I don't understand what the privacy concerns are here??

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 2019-07-30 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: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charged-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page 13 of the  attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however, XXXX and Transunion have not removed this from my report. I have contacted the ( 2 )  bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from 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 explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Because we did a loan modification and filed bankruptcy we can not make our payment online and every time we have to call to make a payment we have to spend like 30 minutes or more waiting for someone to answer, and then get hung up I think this is not acceptable because they are still being paid and I think is abusive.

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 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for Citibank Checking and Savings account promotion program. Nowhere in their promotion requirements does it say that it does not apply to Texas. You can see their promotion published here, all it said was that " To enroll in this offer you must apply directly from this page. Citi rates and promotional offers may vary by state. Looks like you're in Texas. '' I even re-selected the state to make sure it does not tell me that Texas is not eligible, but it didn't say anything. Also in their fine prints they did not list the states that were eligible so who would know if they don't qualify? This is scam by misleading people in believing they will would qualify so they will open an account with them. See the advertised deal here, you can see nothing about the states. 

https : //banking.citi.com/cbol/checking-500/default.htm? channel=onsite & promo_ID=WE564683MYCSO5 & rateSheetId= & intc=2~1~54~1~040519~2~Q22019-500Checking~CheckingSpecialOffers1 & ProspectID=BC0BC93F0A5E4B69A1ED463F8ECE1776

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 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank raised the monthly payment and the mortgage without explanation. They did finally give a reason almost 2 years later after numerous error complaints. 

US Bank did not apply payments the day of or the day after submitting payments, including cash, to a local branch. US Bank charged late fees on these delayed payments.

Also, US Bank funneled money into a suspense account without my knowledge where those funds were designated to go toward the principle. US Bank does not pay interest on suspense accounts even though requested.

US Bank began refusing payments before foreclosure. Also, monthly payments were made far more than enough to bring the loan current, between 4 and 9 times monthly payment amount.

US Bank denied a loan modification 3 times without giving a reason even when requested.

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 2019-07-30 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: NC

Complaint narrative:
Contacted Equifax to dispute inquiries on my credit report not authorized by myself. 
equifax refused to investigate and dispute these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Tuesday, XX/XX/2019, there was a fraudulent inquiry made on my Capital One account which is actually closed but still open with a collection agency. Capital One had a breach of consumers information to millions of customers. I received an email stating that " Looks like youre having trouble signing in. For your security, we locked your account access as of XX/XX/2019 at XXXX XXXX ET. '' I did NOT try to access my account! I am a victim of fraud due to the breach of information. I tried calling Capital One to report the fraud but the automated phone contact tried transferring me to the collection agency handling my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC Bank - We have banked with the same bank for several decades. About five years ago we obtained a home equity line of credit from PNC Bank. Recently, my husband and I requested an increase to our home equity line of credit because we were looking to purchase and move to a new primary residence. 

A couple years ago, my husband and I purchased a small house as a rental property. We also purchased a tiny condo up north around the same time. Both of these purchases were cash purchases. 

Now, we are trying to obtain a mortgage for a portion of the new primary residence that we intend to buy ( until we are able to sell our primary residence ). PNC has repeatedly asked for more and more documentation from us. ( more pay stubs, IRA account statements, insurance on all the dwellings, closing documents for purchase of the other properties, etc. ) Our loan officer at PNC recently went on medical leave. They claimed that they couldn't find much of the documentation that we already sent, so we sent it again. Now they are asking for the Master Deed for the COMPLEX where our condo is located. 

It just seems like they are asking for documents that are inappropriate for the size of the loan that we are taking out. ( Our IRAs would more than cover the entire cost of the loan amount ). They told us yesterday that we probably won't make our closing date which is three weeks away. We started this process a month and a half ago! 

We told them that we are thinking of not borrowing at all from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was lured into a free credit reporting service with Transunion. They made it impossible to opt out of the signup flow during the process and before I knew it I had opted into a monthly subscription with no way to confirm or cancel my order. I immediately canceled my subscription ( within 2 minutes ) but was unable to cancel my first month on their online system even though I DID NOT WANT TO PAY FOR IT. I have emailed them multiple times to address this problem and request that they refund or cancel my first {$25.00} charge that they extorted in a very sneaky signup flow. They refuse to address any issues via email and are not responding to my requests.

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 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Prosperity Bank! My spouse used his card at a XXXX 's XXXX in XXXX XXXX. It declined as a debit, so he tried as a credit transaction. It also declined. Sometimes we do have trouble using our cards at different stores. He next tried his XXXX card. Same thing. He contacted both banks, XXXX was fixed within days, since it was evident that it was fraud. However, Prosperity is claiming that they needed a police report, so that was taken care of. We are being told that the signature for the fraudulent transaction is clearly not my husband 's, but that the third party that Prosperity Bank uses to investigate fraud has closed the investigation anyway. No explanation why. He has called several times with no reasoning of what happened. Looking back on our account, we have been charged {$20.00} overdraft fees throughout the account, when clearly there was money in the account. And, the overdraft fee is {$35.00}, not {$20.00}, so this doesn't add up AT ALL! We are just being ran in circles with promises of an investigation, but nothing. It's so disgusting that a bank can do this with MY money! How was XXXX able to fix his account because of the clarity of FRAUDULENT activity, but not Prosperity -- even admittedly by Prosperity that the signature on file DOES NOT match???!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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:
I SUBMITTED SEVERAL DISPUTES OF INACCURACIES ON MY CREDIT REPORT. I EXPLAINED WHATS INCORRECT AND CB REFUSED TO GET CORRECT AND REMOVE OR CORRECT OFF CREDIT REPORT. ITEMS ARE INCONSISTANT ACROSS ALL 3 CB..THEY ARE NOT OBEYING THE FCRA LAWS AND NOW IN VIOLATIONS..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I SUBMITTED SEVERAL DISPUTES OF INACCURACIES ON MY CREDIT REPORT. I EXPLAINED WHATS INCORRECT AND CB REFUSED TO GET CORRECT AND REMOVE OR CORRECT OFF CREDIT REPORT. ITEMS ARE INCONSISTANT ACROSS ALL 3 CB..THEY ARE NOT OBEYING THE FCRA LAWS AND NOW IN VIOLATIONS..

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 2019-07-30 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2019-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
Didn't receive any letters stating I had a negative balance on a checking account that I had closed a few years ago. Apparently there was a balance of {$80.00} on my checking account when I had closed it and nobody told me as well as send me any information about it. It was then sent to collections and sat on my credit for a while without me knowing it which obviously hurt my credit score. This is my first and only debt issue and would like it removed so I can repair my damaged score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
To whom it may concern. I have Victoria 's Secret card for 4 years, I paid my bill every month but they never send me the paper bills and the availability of credit is or was always almost full credit limit. 
The last time I used the card was in XX/XX/XXXX and yes, I paid the bills every month ... The credit limits were {$600.00} and. On XXXXI received a letter from them saying they're reduced my credit limit because of inactive, so my credit limit is {$550.00} and available credit is {$3.00} dollars, on XX/XX/XXXX. I paid {$50.00}. 

Even though, Ive paid my bill every month where did my money go?

Company response to consumer: Closed with explanation