vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX 2016, someone used my credit card numbers fraudulently. I ordered XXXX, XXXX and Transunion credit reports which shows that on XXXX/XXXX/16 someone impersonating me obtained my credit report : On my Transunion credit report the most information was provided. It states that I order the report and the permissible purpose is : Consumer Request. The company that provided the report is Transunion Interactive XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, CA XXXX which is a wholly owned subsidiary of TransUnion LLC. Soon after, credit card companies were calling me about my request for credit and advised that all my personal information as well as SS # were provided. When I call both Transunion and Transunion Interactive, they stated that anyone can order the report under a number of websites and that it shows that I ordered the report online. I spoke with customer service, the manager and online department. The all stated that they could n't help me or figure out who obtained the report. What they did was to provide my credit report to an identity thief who also contacted the US Post Office to temporarily change my address to one in New York ( where I do n't live ) They did not help me and told me that it is just a soft request so should n't be a problem.

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 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used by someone else. I filed a police report and would like to know how I can get it off, and if anything else was used without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After submitting the request information at XXXX, each of the XXXX credit bureaus claimed they could not provide my reports. When I attempted to submit a comment/complaint, the site claimed it could n't even accept a comment. This is a scam. I viewed my credit report at my credit union today and I KNOW what information they have. But in order to get a copy of the report, they want me to provide them with information I know they do not currently have. I am not willing to play that game. They owe me a copy by law. How can I force them to comply?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My home is being sold by Wells Fargo after I have attempted to modify my home loan with them twice. I submitted all of my documentation, twice, and after review, Wells Fargo understated my income and denied the modification. They then told me to apply again, which I did, and they denied it again. They have been rude, changed contact persons multiple times throughout the process, understated my documented income to insure I did n't qualify, and now set my property up for public sale without informing me. I found out about the pending sale via a number of solicitations from law firms. I contacted Wells Fargo and they assured me they would overnight information to me. The sale is set for XXXX/XXXX/2015 and they still have not sent me and information or formal notice of the pending sale, in violation of Federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried SEVERAL Times, UNSUCCESSFULLY, to receive my FREE Credit Report from TransUnion! I have tried EVERY Avenue : Online, which resulted in me having to send in copies of Bill, ID, XXXX, as well as being directed to call and told in 2-3 weeks, it will be mailed. However, I have NEVER Received any copies of my report from them, even though I have complied with the necessary requests. I have received copies of my XXXX and XXXXn reports, but nothing from TransUnion. It is Pertinent that I get this report, especially since it is my right to XXXX annually. Furthermore, it has been more than TWO Years since I last received XXXX from TransUnion. I do n't know what else to do nor whom to speak to, as getting a " Live Person '' is a joke. 

This means appears to be my only option at this point. 

Thank you kindly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Classification of multiple names is ridiculous. I was married. I have since divorced and no longer use his name. He is also deceased as of last year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WAFD BANK
State: TX

Complaint narrative:
I have an adjustable rate mortgage with Washington Federal. On the change date they did not calculate the new rate per the terms on the contract. I have reached out to them 3 times with no forward progress on the issue. They can not produce a copy of the loan docs. I have a copy of the loan docs. The rate should be capped at 4 %. They raised the rate to 4.875 %. There is a line on the loan docs that is titled ; LIMIT ON INTEREST RATE CHANGE ; and it states ; The interest rate I am required to pay on the change date will not be greater than 4 %.

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 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Mid-Atlantic Consumer Services
State: TN

Complaint narrative:
Over the past few weeks I have received numerous calls from someone stating they were with the office of XXXX XXXX. They stated that they were calling to inform that there will be an investigation made on my current employment to include contacting my employer to have wages and employment information obtained. To prevent this action I would need to contact the office of XXXX XXXX at XXXX. 

I contacted the number to find out that the company was XXXX XXXX XXXX. After researching the company further I discovered that the group has had XXXX other numbers with an address at a XXXX in XXXX NY. The number that come up on the caller ID was a XXXX number XXXX. I attempted to ask who the debt was being paid to and was told it was the XXXX. I closed the account over 5 years ago because of false statements on the agreements and excessive fees. The account was removed from my credit report after I submitted the case to XXXX. Now some investor has purchased the debt and is attempting to scam me for over 300 % of the amount that was settled 3 years ago. 

There is another instance where this company has contacted a person stating if the item is not paid it will effect their ability to get a bank account or even obtain employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Financial Corporation of America
State: TX

Complaint narrative:
Financial Corporation of America has been calling my hospital trying to contact myself and I am an XXXX. My understanding is they are not allowed to try to contact you based on XXXX if they know your employer prohibits the consumer from receiving such communication. I am unable to leave patient rooms to speak with them when they call to tell them to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mid-Atlantic Consumer Services
State: CA

Complaint narrative:
the company Mid Atlantic collection service keeps calling me from random numbers XXXX, they claim I took out a online payday loan ( I have never used this kind of service ) they claim to have my social security number and reference a address I had over 10 years ago. They are threatening me with bank fraud, wire fraud, and owing a payday loan company. also say they are contacting my employer and do not have any information validating their claim. As I read other complaints it looks like fraud to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
Charged over draft fee that employee could n't explain. The overdraft was the only thing that overdrew my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH

Complaint narrative:
Firstmerit bank is moving items around in the bank account that is causing an over draft fee to be charged after the amount was put in to cover. On XXXX/XXXX/2016 I checked my bank account and showed I had {$17.00} and some change in the bank and all the pending charges had come out of the bank. When checking my account on XXXX/XXXX/2016 it showed that a check had come through after XXXX and caused the account to over draft, I went in that same day and put the money in to cover the amount and when checking my account it showed I was in the positive {$2.00} and some change. Well when checking my account this morning XXXX/XXXX/2016 all the items had been moved around causing the account to overdraft again last night costing me {$35.00} over draft fee. When I checked the account before bedtime last night I was still in the positive and after not using my card at all yesterday the charges that had come through XXXX/XXXX/2016 had been moved to XXXX/XXXX/2016. The way that they are showing in the account is that I had been using my card after the account was bounced but I even opted in to have it that I am not able to use my debit card if the amount that I am trying to buy is more than the amount in the bank. I contacted customer service and they had been no help, the representative was very short with me and did not want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have received numerous letters from National Credit Systems Inc. alleging that I owe a debt to XXXX XXXX XXXX. I have never lived in such an apartment and have lived in my current home for over 15 years. This debt is not mine and presumably belongs to someone else of the same name. They state that they have already reported the " debt '' to " all XXXX credit bureaus, which is likely affecting [ my ] ability to obtain credit, rent, or secure favorable interest rates. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Sortis Financial, Inc.
State: NC

Complaint narrative:
This company is reporting erroneous information on my XXXX credit report with account number XXXX. Several years ago I filed a bankruptcy which has now discharged. This company has reported this debt to XXXX AFTER the filing of a bankruptcy for a creditor that was included in the bankruptcy with dates as recent as XXXX of 2015. This is a severe violation of the FCRA and FDCPA. I have written them at least XXXX about this. I will attach the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was hurt and could not work. I needed XXXX operations. My wife and I went to Wells Fargo bank in XXXX VA to do some business and the lady manager talked me into getting a credit card. She said we would need it because I was going to be on XXXX. She talked me into it finally, but my wife and I both told her not to put my wife on the card as an owner. The lady manager did put her on the card without our consent. She knew she could n't get me approved so she put my wife as the primary card holder. My wife is XXXX XXXX XXXX. We are very upset about that, but we did n't know she did it until way later. I used the card to supplement my income which was a big mistake. I could n't pay it back so I tried to settle with them two times. I am now off XXXX and working again, so I am going to be able to catch up on my debt in a year or two I hope. We were already crushed by my injury and all the bills I got behind on, but the Wells Fargo credit card is not right. My wife 's credit is shot because of it. She was not to blame for any of that and she should not have it on her credit. I am the only one to blame for not paying it back, but Wells Fargo Bank tricked us into it without our consent for XXXX to be the primary card holder.

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 2017-03-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a car loan with Wells Fargo bank on XX/XX/XXXX and it was paid of early on XX/XX/XXXX. Originally there wasa discrepancy of {$2.00} this was later corrected, but they reported my account XXXX, XXXX. XXXX days delinquent. I spoke to and wrote to the office of the president, and although they promised to assist me in resolving the problem, they did not communicate with me in writting. Because of the lack of response they continued to report me delinquent. There was another conversation where they indicated I was {$490.00} past due for a forved insurance, which I was paying on a monthly basis and I tought the balance and payments reflected this. I forwarded all of the documentation they requested, but never responded to it, I only had conversation with a supervisor but never received any correspondence from the. Later I found out that they charged of the account, even though I was working with them to correct it. Since the president of Wells Fargo had been terminated for fraud, I wrote to the XXXX of the board only received ackonowledgement he received it and that I would receive a letter within XXXX days this never happened, The have noe simply refused to work with me and do not return any phone calls, e-mail or correspondense.

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 2017-02-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America
State: OK

Complaint narrative:
I did n't really know what to put this under. But the collection agency sent me the financial aid application for XXXX and I 've filled it out and took it up to the hospital however they refused to take it because it has been well over the time frame for submission. However it is the hospitals fault that the application was not submitted in time because of their initial refusal to assist me with my 1st request

Company response to consumer: Closed
Consumer complaint received 2015-09-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I am a first time buyer when it comes to purchasing a car loan. I did n't have that much knowledge but I was interested in a 2008 Chevy Malibu. I purchased the car through AUTONATION of XXXX XXXX and began paying my carnote. I started doin my research and started realizing I was in a upside down loan. Once I told family members where I purchased my car and the price I was paying, their reaction made me do my research to find out what I had gotten my-self into. It had high miles, also my APR was 27 %, with the car depreciating throughout the time I have had the car I am paying {$13000.00} dollars on a car that 's only worth {$3000.00} dollars so that means I am upside down by XXXX or XXXX XXXX. In due time I called my finance bank XXXX AMERICAN CREDIT ACCEPTANCE XXXX and told them that I do n't like the idea of starting out in a upside car loan and I requested that the car can be picked up for voluntary repossession and I did stop making payments on the vehicle. Finance bank asked if I would like to settle and I replied yes because that would be a better option then having a voluntary repo on my credit so I told them that I went to XXXX and had the value looked at, I told them the car is only worth {$3000.00} and they stated that it 's not and they only can approve it for {$6000.00} to settle. So I am forced to turn the car in because I do n't have that kind of money laying around and I definitely wasnt meeting the requirements of selling the car to a private party. It was brought with fair cosmetic damage, over XXXX miles, and other little mechanic issues, after sometime I would see puddles of water inside trunk, signal indicators was defected and etc. The most I can sell the car for is {$4500.00} even though that is a fairy-tale price I stated that to the finance company they did n't want to help, and the manager was being nasty telling me it 's either I pay the {$6000.00} dollars or I surrender the vehicle it put me in a bad position. I was swindled into this car deal as a first time buyer. I feel like I was overcharged for a vehicle that will not be worth anything before the year is out. So I am forced to turn the vehicle in because I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I received a call from the Fraud Department for XXXX Bank XXXX notifying me of a fraudulent attempt to open a bank account in my name with my stolen personal information. After speaking with them, I immediately called XXXX Credit Reporting and froze my credit report accounts. 
On XXXX XXXX, 2016, I received written notification from XXXX, an on-line bill pay service provider in XXXX, OH, for XXXX Bank, that an on-line bill pay service account in my name had been frozen due to the fact that XXXX could not withdraw funds from " my '' XXXX Bank account in order to make payment to another financial institution. They said my on-line account had been frozen and gave me transaction details involving Firstmerit Bank in XXXX, OH. I have never done business with XXXX Bank, XXXX or Firstmerit Bank. I called XXXX and notified them of the fraudulent activity and they, in turn, told me to call Firstmerit Bank, which I did on XXXX XXXX, 2016. When I attempted to call Firstmerit Bank, they proved to be extremely uncooperative and explained that since my name was not associated with the account number provided, they could not discuss anything with me. I told the Customer Service Representative that I did not want account information but only to notify their Fraud Department of fraudulent activity associated with this account. I asked to speak to someone in their Fraud Department and the Customer Service Representative said they did not have a fraud department, which is incorrect. I asked to speak to a supervisor and when I asked that, she forwarded me to their fraud department, where I was only able to leave a voice message. They have not returned my call. 
I have filed a criminal report with the XXXX XXXX XXXX Department and the situation is currently being investigated. I wish to file a complaint against Firstmerit Bank for refusing to help resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: CA

Complaint narrative:
Penn Credit XXXX XXXX XXXX XXXX, XXXX, XXXX has been calling my house 6-7 time a day, I do n't know why because I do n't pick up. I do not owe any entity any debt other than debts I pay to credit cards monthly. The harassment is on going. Eight years ago I owed a water bill in XXXX which went to collection, that was paid in full years ago. 
please help, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A balance of {$150.00} from a old water bill. The balance was paid XXXX/XXXX/2012. Please see the attached letter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Penn Credit Corporation
State: NC

Complaint narrative:
I was never contacted about this debt even though the original vendor ( XXXX ) and the agent had my telephone information and my email address. The Agent simply " flagged '' my Credit Report adversly impacting my score. The Agent advised that they did not have the responsibility to attempt to contact me and that if I did not pay the bill they would continue to adversely impact me credit score. I advised them that if they had contacted me I would have paid the bill. In fact, I contacted XXXX and paid the bill. 
Without going through proper, professional business practices, this agency is using it 's ability to adversely impact a consumers very important Credit Score to extort payments from customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation