vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had recently applied for a HELOC with PenFed on or about XX/XX/2021 for my investment property located in the State of Florida. I have already had a credit worthy relations with PenFed, because I already had a signature loan open and have always paid on time. Thus when i applied for a HELOC, they had to run my credit report again and my scores where acceptable at XXXX. I was then given a checklist of items that I needed ( documentation ) which I needed for a final credit decision. I have submitted all necessary documentation in a timely manner, and each time I would receive a generated company letter response. " Due to the amount of HELOC and overwhelming applications, we are delay in getting the products to our Members in a timely manner. However about 30 days later I was asked to submit more documentation regarding my previous Home loan Refinance closing documentation with my current lender, to see if my mortgage was paid on time. I am upset at this point, because my mortgage was being reported to the credit agency twice, as if I had two accounts and I did not. After disputing the items and having verification with a third party vendor of my credit worthiness, I though that was ok. However PenFed claimed that i had a foreclosure on my credit report which I never had, regarding my primary residence. I feel the process, of trying to obtain this HELOC was over the top and derogatory and discrimination in nature, because I am a XXXX female senior citizen over the age of XXXX XXXX XXXX and retired from the military and now I am told that I need to produce an additional income of {$1500.00} per month to get this loan approved with the under writers because I have a debt to income ratio of 58 %. I believe if that was the case then this should have been explained or brought to my attention on the initial application and not let me provided this documentation and that documentation just so they can have a reason to disqualify my HELOC.

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 2022-01-25 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: SC

Complaint narrative:
In XX/XX/2018 I filed for Chapter XXXX bankruptcy and the SECU/LOCAL GOVERNMENT account was included. Recently, I viewed my reports and see that Experian is still reporting a balance of {$4500.00} when it should be {$0.00}.

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 2022-01-25 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: GA

Complaint narrative:
Please review the information and documents attached related to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Applied for a new credit card and was declined. Add after receiving an increase on another credit with bank. No one can give an answer to why. But says I have to wait on the letter. Even though I meet all the requirements. XXXX credit score, income $ 500k a year. Debt 2 %, no liens, no bankruptcy, no collection, and 5 yr history with bank. No missed payments. Still declined. Lol are you kidding 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 2022-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I got behind on my car payments due to be laid off work during Covid, I filed chapter XXXX so I could keep my car because they were threatening to come and get it but work was still slow and my XXXX was XXXX XXXX  XXXX XXXX so I had a XXXX XXXX issue I was dealing with got behind on my chapter XXXX payments so the court dismissed my case and I called CNAC to n mom she arrangements on my payment but they would only only agreed to giving me a week to come up with XXXX fir the 1st week and 150 each additional XXXX XXXX XXXX of course I couldnt come up with the XXXX so they put my vehicle up for repo and continuously call my phone 10-15 times a day sometimes back to back, its non stop from XXXX right on the dot to XXXX XXXX. can something be done about this? I Feel like its harassment what youre doing to me they call using different numbers after they just called from credit acceptance, it happens every single time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NJ

Complaint narrative:
I have a late payment that is not true and one account that is not mine and one account reporting the wrong amount owed

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 2022-01-25 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
They ignore my requests for accurate reporting of my credit history. 
They ignore my requests and refuse to allow escalation. 
They continue to issue fraudulent credit reports. 
I have made all of my payments on time and they continue to report me as late. 
Rocket Mortgage refuses to correct their fraudulent credit reports. 
Rocket Mortgage needs to e fined for this unscrupulous behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

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 2022-01-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow 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 non-monetary relief
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow the law? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting charge offs/write offs on my credit report with a balance due. Also, it's been almost 60 days now since my last request to submit proof that the accounts were charge offs/write offs as reporting on my credit report and still no response. After 30 days of no response these accounts should have been deleted from my credit reports. Now my question is " who's paying who to not follow 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 2022-01-25 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: IL

Complaint narrative:
This is the 3rd time I requested credit freezes I did not ask for, be removed...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XX/XX/2021 I was contact via phone from a rep who claimed to be with Wells Fargo. The scammer had all my information from acct numbers to profile information. The scammer pretending to be a Well Fargo rep told me someone had tried to make XXXX XXXX  transactions from my acct and they told me they stopped the transfer which i later found out never happened. The scammer then told me to get my money back I had to make the same XXXX  transfers to a XXXX acct. I had no reason to believe it was not wells fargo and it seems more and more of Wells Fargo customers are being scammed the same way. Wells Fargo had no information on their site until a week ago telling its customer the scam has been going on but Wells Fargo has known this issue has been going on for over a year. They also knew that my acct information was hacked thru their servers and they will not refund XXXX dollars I was scammed. This plain wrong and Wells Fargo is trying to get out of this issue like they have with other scam issues in the past. They knew this was going on with plenty of customer and that someone was spoofing their number to talk to their customers but seem to take no responsibilty in there neglegance. I filed thru XXXX  and its seems they are finally tryin to alert their customer but the damage has been done. It seems the media is getting ahold of this from other customers who have been scammer. Wells Fargo needs to do the right thing and I will sue if refund is not given and there is many of us that have been hurt by Wells Fargo lack of security then step back and say it wasnt us but it truly is they need to alert customers when there information has been stolen from either employees or scammers. Below is a link of the same exact thing happening to another women and again Wells Fargo blames its customers when this clearly is wrong doing by Wells Fargo. I ask for a refund and apology letter from XXXX XXXX staff on how Wells Fargo should have done more instead of point the finger. I will keep posting on social media about how Wells Fargo does not honor there own responibilities. Thank you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
On XXXX XXXX I checked my credit karma and found a credit report from an unfamiliar company. Spring Oaks Capital LLC that an account opened in XXXX [ 3 months prior ] had a derogatory mark and {$1200.00} was sent to collections. The original creditor XXXX XXXX XXXX did not respond to any calls. Their phone went dead every single time I tried to contact customer service. The buisness is located in Ohio. I have never been there in my life and I live in New York. I have no clue how a credit line could be opened under my name without a single phone call or peice of mail sent to my house. I believe I am a victim of identity theft. I have not opened a credit card/line since XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
I received a ticket in the mail stating that I used a toll road. The car image was one of my older cars that I had traded-in back in XXXX of XXXX. The picture clearly showed temporary tags. Also, at the time of the image I was at work. I sent a dispute to State Road & Tollway Authority... 
On XX/XX/XXXX We have received your inquiry and opened a case. 
Incoming Correspondence : VIOLATION DISPUTE We have begun the process of researching your inquiry. If you need to provide further information or reply, please do not change the subject line of this email since it is used for tracking purposes. You will receive an email response between 3 to 5 business days. 
Thank you for submitting your inquiry. 
Then I received confirmation that the case was solved. 
On XX/XX/XXXX Incoming Correspondence : Fw : Your XXXX is paid off! 
We want to inform you that the case related to your inquiry has been Resolved. 
Additional Information : * Thank you for submitting your inquiry. 
On XX/XX/XXXX I received a letter in the mail from XXXX ( Professional Account Management ) a collection agency. 
They told me that the account was still open and reporting. I told them that this was harassment and they told me I Need to file another dispute. I spoke with XXXX and a supervisor, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NY

Complaint narrative:
Experian is reporting paid/closed accounts continuously on a yearly basis. These accounts are closed and Experian must stop reporting and selling these closed/paid accounts to Credit Repair Services .

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 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Bank provided a " temporary provided for negative balance prior to a stimulus payment '' to my account on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I spoke with a representative to explain what this was. They made it seem like because I overdrew the account within 24 hours of a stimulus payment and that the payment was pending, that the fees would temporarily be waived until the funds hit the account. I was aware that institutions were not allowed to access this stimulus payment for fees or amounts owed. The bank sent notification that the money would be taken out again in the future, once the stimulus payments ended. I did not think that there would be an amount since the withdrawal and the deposit of the funds happened while deposit was pending. I put in a complaint that is being reviewed by the complaint division of WF, because the transactions were not all made at once, they should not be taken out all at once. There was not enough clarification regarding this matter, as well as XXXX not following Federal guidelines preventing the stimulus from actually assisting. They still in fact applied fees to the stimulus payments, just deferred the date it was withdrawn. It does not negate the fact that they penalized stimulus payments just because they changed the dates and this applies financial hardship to their clients and does not comply with government mandates.

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
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
On the morning of XX/XX/22 at XXXX my personal information was disclosed to a third party male by XXXX and XXXX XXXX The information released to the third party included my first and last name the last XXXX numbers of my social security number, the case number, the balance owed and also disclosed a different amount of judgement they were seeking. my personal information was disclosed without my consent to the third party male.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX Trans union XXXX is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX  XXXX XXXX from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.

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 2022-01-25 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: NY

Complaint narrative:
XXXX XXXX XXXX Equifax is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX credit score from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NY

Complaint narrative:
Experian XXXX XXXX XXXX is reporting my closed/ paid accounts as open and continuously selling closed accounts to credit services which keep my XXXX credit score from increasing and hinders my opportunity of getting credit from creditors. As a single women of XXXX trying to start a small business. This hinders me from future or any financial assistance. As this unfair practice continue soar it holding me back from future advantages.

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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022 Fifth Third Bank charged my checking account a fee of {$4.00} for an International Transaction Fee. I have not traveled out of the country and have not made any purchases from an international vendor. When I reached out to Fifth Third Bank, I was told that this was due to a XXXX Transaction with a company who has an International Headquarters. The XXXX Transaction was completed on a US website in US dollars and shipped from Wisconsin. The transaction did not involve any International components at all. Rather, only that the parent company that the purchase was made from was located Internationally. 

The representative from Fifth Third informed me that this happens all the time and that the bank can charge an International Transaction Fee for purchases made through XXXX and XXXX where the vendor has an International Headquarters, regardless if the transaction was conducted in the US, paid in US dollars, and shipped from a US location. 

After an hour on the phone and multiple transfers to other departments, a representative was finally able to reverse the fee.

Company response to consumer: Closed with explanation