vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo is refusing to investigate a fraud complaint I filed against several bars for over {$500.00} in charges for one night, as well as {$140.00} in unauthorized activity two days later. They are refusing to process my complaint, refund my account and are repeatedly making me speak with females discriminating against me because I am a male. They transferred me to over 10 females and I was told all managers were also female as well on XX/XX/2019. 

I am also being discriminated against because of XXXX ancestry and an expressed desire to visit a XXXX companys luxury hotel. 


Claims department sent detailed letter call them XXXX - XXXX XXXX   XXXX XXXX, call tomorrow XXXX XXXX, XXXX, xfer to Dual claims XXXX  XXXX XXXX XXXX, combined 2 claims into 1 claim. Claim # XXXX {$490.00} closed new claim # XXXX {$460.00} > 24 total amount {$530.00} x-fe r to supervisor XXXX ( supervisor ) XXXX, XXXX processed with several transactions 1-10 business days takes time to add transactions and dispute Claim # XXXX, 20 transactions {$460.00} ; provisional credit 24 - 48 hours XXXX XXXX, XXXX, XXXX, 24 transactions, total : {$530.00} XXXX XXXX XXXX XXXX, partially completed refund {$20.00} atm readded to claim XXXX, XXXX , XXXX, Dual fraud claim, transfer to XXXX, denied transactions , will go through transactions 2-10 business days XXXX, XXXX, XXXX, will remove {$1200.00}, {$450.00}, {$200.00} from new claim with 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 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MN

Complaint narrative:
We had experienced a financial loss of income in XX/XX/XXXX. By XX/XX/XXXX we could not make our monthly morgage payments. So we tried to refinance our mortgages through PNC mortgage company.

However, we were denied. PNC stated we did not qualify for any of their existing programs.

In an effort to save our home we met with a HUD approved financial counselor through the XXXX  services in XXXX. He informed us that our 1st loan is founded through XXXX XXXX and that we sdould qualify for the Flex Modification program.

PNC never informed us of this and just denied us outright giving us no other options. If PNC would have informed us we could be right now working on rescheduling or consolidating our loans. Not to mention they would lose nothing.

My family has lived in this home for 17 years and have alwys had a good relationship with PNC mortgage company and would like to continue our relationship with PNC. All we wish to do is to continue to live in our home.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Sallie Mae/Navient listed me as a Co-Signer of a student loan and I never signed any paperwork. They told me that they wanted to list me as reference and they ended up listing me as a co-signer. The company name is Sallie Mae and the loan got sold to Navient. I have called multiple times a month and they dont do anything about the issue. I have been dealing with this issue for 13 years. I have sent a order to show cause that was issued by my attorney and they didnt answer to that document. This has caused my family and I financial hardship since it has been on my credit report and effected my debit to income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The addresse on credit report is not correct. As proof of the address I uploaded XXXX bill which contain my real address.

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 2019-06-05 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: TX

Complaint narrative:
SOMEONE OPEN UP A LOAN IN MY NAME ... PLEASE HELP ... I DONT HAVE DATES OR AMOUNT BECAUSE THEY ARE NOT MINE

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 2019-06-05 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: Risecredit, LLC
State: TX

Complaint narrative:
SOMEONE OPEN UP A LOAN IN MY NAME ... PLEASE HELP ... I DONT HAVE DATES OR AMOUNT BECAUSE THEY ARE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
The attached letter above you were originally copied on was in XXXX with an apology and settlement of {$12000.00} dollars In reference to the complaint I filed with your agency in XXXX was never honored by XXXXXXXX XXXX XXXX XXXX. 
In XXXX, I agreed and accepted this offer by signing all forms requested and a check was never sent. 
In XXXX, on two occasions the same forms were signed twice and XXXX XXXX XXXX XXXX said they needed to do research and still no settlement check was sent In XXXX, I contacted said Mortgage Company again and was told to sign all forms which included same as the previous years a XXXX, and release form and this time I went to my bank, had them read my personal letter as a witness and let them watch me sign all forms again and attached a personal letter and had it notarized and attached it with the forms and still no settlement check sent. 
Early XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX along with a witness and was told to resend same paperwork along with the original letter of settlement sent in XXXX and to email it to XXXX attention XXXX XXXX and was told the issue would be resolved quickly because of how long it has taken, and I would have an answer by XX/XX/XXXX and again no settlement check was sent. 
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX XXXX to follow up and again this time I was told they needed to research this matter and to resend same items again which I refused and requested that someone in charge to give me a call back that has the authority to resolve this almost 3 year issue that has been ongoing. The representative, agreed with the lingering and agreed to have the person in charge who can resolve this issue to call me on XX/XX/XXXX at their time XXXX which is my time XXXX On XX/XX/XXXX an hour late I was contacted at XXXX by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX deliberately refused to resolve this matter immediately by submitting the settlement check of {$12000.00} dollars. 
XXXX XXXX totally disrespected me by continuing to lie and falsely accuse me of never responding to the offer and made a false statement that XXXX is the first time I ever accepted and agreed to this offer. He once again, said they needed to research this matter. This is a continuous attempt to deliberately continue to defraud me and continue illegal Business Practices This could have been avoided altogether if my possessions worth more than {$100000.00} was returned to me when XXXX XXXX ( contracted by XXXX XXXX XXXX XXXX ) confirmed they had my possessions in their storage when I was available to pick them up but they said they would not release my possessions without XXXX XXXX XXXX XXXX XXXXXXXX 's permission. 
I have suffered severe emotional Distress and pain Note : a XXXX I did no attach it due to personal information contained on the document

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 2019-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I received a notice about change of terms from my XXXX Comenity Bank credit card. I noticed the late fee charges. They hadn't changed but it piqued my interest, remembering reading about the Credit Card Accountability Responsibility and Disclosure Act of 2009. I had saved an article that covered the terms. I noticed that there was a cap of late fees for first time offenders of {$25.00}. I noticed my card late fee for this was {$28.00}. I've attached a copy of the agreement that shows this information. 

I called and naturally the reps knew nothing about the law and one told me that the {$28.00} fee had been in effect for as long as she worked there. She transferred me to a supervisor who also knew nothing about the law and was of no help. When I suggested that he should look into it, he said there was nothing he could do. 

I called FDIC and they referred me to you. They also suggested I look on the site for other agreements and see if other banks are complying. I did download a database of 121 other agreements. It will be interesting to see how many are complying with the law. However, this should be your job, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: CA

Complaint narrative:
I attempted to get a personal loan due to the fact that, XXXX XXXX sent some solicitations to obtain a personal loan. I received a few solicitations and I should pick the best one to use for my personal loan. Applying for the loan, a credit check would take place to check your status, A SOFT PULL that basically will not hurt your credit. All the companies stated the same message that is a soft pull and will not affect the credit. Doing that checking with a couple companies without giving any authorization for a HARD PULL. few companies ran my credit to compete for my business and it looks from my credit report, they have ran a hard pull inquires 13 times and this in turn dropped my credit by almost 80 points. Now I am trying to refinance and dropping my credit score to a point below the 600 score put me in a very awkward position. Now I never consented to a hard pull inquires and definitely not to 13 inquires. Please I need your help with this situation. This situation is ruining my chances to refinance and causing me a very distressful position. Thank you

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 2019-06-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to get a personal loan due to the fact that, XXXX XXXX sent some solicitations to obtain a personal loan. I received a few solicitations and I should pick the best one to use for my personal loan. Applying for the loan, a credit check would take place to check your status, A SOFT PULL that basically will not hurt your credit. All the companies stated the same message that is a soft pull and will not affect the credit. Doing that checking with a couple companies without giving any authorization for a HARD PULL. few companies ran my credit to compete for my business and it looks from my credit report, they have ran a hard pull inquires 13 times and this in turn dropped my credit by almost 80 points. Now I am trying to refinance and dropping my credit score to a point below the 600 score put me in a very awkward position. Now I never consented to a hard pull inquires and definitely not to 13 inquires. Please I need your help with this situation. This situation is ruining my chances to refinance and causing me a very distressful position. Thank you

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 2019-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP
State: WA

Complaint narrative:
I submitted a complaint yesterday and have found out that they sent reports to all of the creditors, saying what I do not know. I have been dealing with XXXX for the last month and all of the conversations were recorded by XXXX of course with no results. These people are going to cost me over 25 thousand dollars in interest over 6 years because of having to pay for 28 percent interest. They are holding my life hostage and I want compensated for the stress and the interest on the loan. I have talked to a pro-bono case against XXXX for the pain and suffering.

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 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NY

Complaint narrative:
The family is dealing with an illness and the attorney who was working on the file passed away. The family had to file bankruptcy to stop the sale. While in the process the XXXX XXXX 's job causes in to travel and XXXX is employed but dealing with an illness. 
They have gathered the documents and requested that the bank would give them a chance to workout some type of arrangement that they can make payments and save their home. We have a savings for the workout on the loan. XXXX has sent many applications to Selene Finance, but they claim they have not received an application since the attorney was working on the file which was back in XX/XX/XXXX which is not true. 
XXXX has submitted at least 10 request for a loan modification. 

This is urgent and there is a pending auction XX/XX/XXXX. We tried to get clarification of having a full package in for review before they will consider cancelling the foreclosure auction. They would never give an exact amount of days, now they tell us that it had to be 37 days. We have aqll required documents plus money to pay as a good faith payment. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: MN

Complaint narrative:
I am a victim of identity theft and have sent my fraud packet, lease, and police report and nothing has been resolved, nor have I receive a response. This is really hurting my credit and is stressing me out and I am XXXX  which is causing me pain and stress on me and my baby.

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 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid the following accounts in full. I am a single mother of 2 who has plans of eventually buying a house. I was denied. This motivated me to check my credit report and I realized that these accounts that I paid was negatively affectIng me. 
XXXX XXXX opened XX/XX/XXXX XXXX XXXX-opened XXXX, XXXX XXXX XXXX- opened XX/XX/XXXX XXXX XXXX , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX I submitted a dispute/validation letter to XXXX XXXX XXXX a.k.a XXXX XXXX which was received by XXXX XXXX via certified mail on XX/XX/XXXX. 

XXXX XXXX XXXX a.k.a XXXX XXXX failed to respond to my validation request and further sold the unverified, invalidated account to Commonwealth Financial Solutions. 

XX/XX/XXXX I spoke with a XXXX XXXX who identified herself as a supervisor. I asked Ms. XXXX how, or when did Commonwealth Financial contacted me regarding the debt her agency has posted to my credit profile. Ms XXXX stated prior to my phone call of XX/XX/XXXX, no effort to communicate the debt was made, rather, the only effort was to past the derogatory information to all credit bureaus. 

I further asked Ms. XXXX when was the debt sold to Commonwealth Financial Solutions by XXXX XXXX. Ms. XXXX stated the debt was received " in-house '' XX/XX/XXXX, processed XX/XX/XXXX, and from the information reported on my credit profile, they submitted the derogatory information XX/XX/XXXX. 

I further asked Ms. XXXX if she was aware that I had submitted via certified mail a letter to XXXX XXXX XXXX a.k.a XXXX XXXX requesting validation of the account two ( 2 ) years prior, to which I did not receive a response from Ms. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
SOMEONE OPENED A PAYDAY LOAN UNDER MY INFORMATION ONLINE ... I DONT KNOW WHEN OR HOWS MUCH, BUT IT IS ON MY CREDIT REPORTS.. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The address on credit report is not correct on my credit bureau. As a proof I uploaded XXXX bill which contain correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have an outstanding balance at XXXX XXXX. They reported me as delinquent to a credit bureau early last year but then removed it from my credit report. Removing the delinquent amount bumped up my credit score. IC systems ( I guess ) bought the delinquent credit from XXXX XXXX and reported it as " for collection '' on XX/XX/2019. I believe they are trying to " re-age '' this delinquent balance.

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 2019-06-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I pulled my report from XXXX and it showed a closed/ charged off credit card account from Bank of America that isnt mine. Ive never had a credit card with this company. I called Bank of America and confirmed that I do not have nor have ever had any accounts with them. They asked for my name, date of birth and social security number and still could not find any information on said closed/ charged off account. I politely asked if there was any letter they can provide as proof that I didnt have a delinquent account with them and was told no because we cant give you a letter to verify an account that doesnt and never existed. Im stuck Im with an account on my credit report that isnt mine and Bank of America will not give me a letter so that I can dispute it. XXXX will not remove said account and I dont know what else to do

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 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I paid the following accounts in full. I am a single mother of 2 who has plans of eventually buying a house. I was denied. This motivated me to check my credit report and I realized that these accounts that I paid was negatively affectIng me. 
XXXX XXXX opened XX/XX/XXXX XXXX XXXX-opened XXXX, XXXX XXXX XXXX- opened XX/XX/XXXX XXXX  XXXX 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 2019-06-05 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: VA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-06-05 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: TX

Complaint narrative:
SOMEONE OPENED A PAYDAY LOAN UNDER MY INFORMATION ONLINE ... I DONT KNOW WHEN OR HOWS MUCH, BUT IT IS ON MY CREDIT REPORTS.. PLEASE HELP

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