vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Hi, on XX/XX/XXXX my Western Union account number XXXX was hacked by someone who chose a name from my receivers history to create an account in XXXX. 
The person they used lives in the XXXX XXXX. 
They transferred 3 transactions {$910.00}, {$910.00} and {$900.00} and the last transfer they tried was cancelled.The money was picked up from a bank account in XXXX without any ID or MTCN number. I spoke to WU and they did not take any responsibility because they said that the money was already picked up. I do not understand how they allowed someone to pick up this large sum of money transferred to a fake bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have been trying for two years to get one document from Citizens Bank, a discharge notice on a home equity loan. It was originally taken out XX/XX/XXXX at the XXXX XXXX XXXX  office of Citizens Bank XXXX, with a credit limit of {$50000.00} and filed with the XXXX XXXX ( XXXX  ) Registry of Deeds on XX/XX/XXXX as Book XXXX pages XXXX. I need the document so I can declare the land is free from liens before we grant a neighbor an easement on part of our land. I began nearly two years ago trying to obtain this document from Citizens Bank ( which is supposed to be filed with XXXX XXXX XXXX XXXX, XXXX XXXX, because the property is in XXXX XXXX  ). I first went to the XXXX XXXX office where I was told they don't handle that work in the branch office, but she gave me detailed instructions how to file the request by fax. I did, but waited several months without hearing from anyone. I then went to the XXXX XXXX office of Citizens,  located in a XXXX XXXX XXXX supermarket. The took my information and told me not to worry, I would get it in the mail in 10 days or so. I didn't. I went back a few weeks later and spoke to another person, who went to so far as to call the office where they handled these documents. Again, she said, it would about 10 days and she would call me then. But she didn't call. I tried to reach her using the business card she gave me, but the phone number was not answered and attempts to e-mail her were unsuccessful.. 
I'm not sure when the XX/XX/XXXX home equity loan was paid off, but the XXXX XXXX XXXX XXXX shows a subsequent home equity loan for {$77000.00} from XXXX XXXX  on XX/XX/XXXX, so I assume it was around that date. 
Please help. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX h XXXX c XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: FL

Complaint narrative:
XXXX, XXXX  and experian has some inquiries and accounts on my credit report that are not mine. 
last four of social that is not mine : XXXX not mine INQUIRIES that are not mine : XXXX XXXX  XXXX not mine XXXX XXXX XXXX- not mine XXXX not mine XXXX XXXX XXXX-not mine XXXX XXXX-not mine XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX-not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXXXXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX not mine accounts that are not mine : Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX  XXXX XXXX Account : XXXX I have no knowledge of this account Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-04-01 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: GA

Complaint narrative:
I took the proper steps to get these accounts deleted. 

XX/XX/XXXX {$9200.00} XX/XX/XXXX {$30000.00} XX/XX/XXXX{$440.00} XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: MN

Complaint narrative:
Called Equifax on XX/XX/XXXX. I noticed three Fraudulent Inquiries on my Credit Report. 
They refused to help me at all. 

1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXXXXXX 3. XXXX XXXX on XX/XX/XXXX Please have these three inquiries removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This is still regarding the previous case with Wells Fargo Bank with CASE # XXXX. 
They called and promised they will correct the wrong information placed on my XXXX  credit profile, and correct the late payments, and the " paid, closed, {$1800.00} written off " placed on my credit Profile. Since this was not part of the loan, but erroneous insurance charges of {$1100.00} that caused the problems and overcharges by them, as a way of delaying the loan. 
I have all the insurance at that time and provided to them, while they promised to resolved it and credit me. They are supposed to refund my credit as they promised earlier, but they refused crediting me, and insisted they will correct their mistake on the credit report placed on my account but will not pay credit me.I refused to accept their offer. I have not heard from them since XX/XX/XXXX, 2019. my credit profile has not been corrected, my credit for insurance has not been paid. I need this issue resolved or will file for damages against them. 
This was fully paid with XXXX balance.Needing my credit from them.

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 2019-04-01 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: OR

Complaint narrative:
I had an unauthorized hard inquiry on my credit report with XXXX. I contacted them and are investigating. Someone opened an account with my name. I did not. It was an inquiry for credit dated between XX/XX/2019 and XX/XX/2019.

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 2019-04-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio America Asset Management, LLC
State: CA

Complaint narrative:
XXXX XXXX and a recovery agent from XXXX New York ( XXXX ) XXXX have called my daughters telephone asking questions about me. They have also peppered my girlfriend with questions. Both are illegal. They called my girlfriend this morning. Shes not in default or collections. They have no reason to contact either of them

Company response to consumer: Untimely response
Consumer complaint received 2019-04-01 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: GA

Complaint narrative:
I took the proper steps to get these accounts deleted. 

XX/XX/XXXX {$0.00} XX/XX/XXXX {$7400.00} XX/XX/XXXX {$9200.00} XX/XX/XXXX {$440.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$30000.00}

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 2019-04-01 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: PA

Complaint narrative:
I did a voluntary surrender of my vehicle back in XXXX of XXXX due to unforeseen circumstances I was not able to keep up with the payments. XXXX XXXX XXXX had sent me a Notice of Repossession and Notice of Plan to Sell Property letter. I have never received the Deficiency letter to let me know what the car had sold for or any other correspondences in this matter. I thought this was a closed deal until I pulled my credit report in XXXX and it was on there for {$12000.00} as a Closed/Charge-off account. I have been trying to get this information from XXXX XXXX XXXX via phone with the first call be around the XXXX or XXXX of XX/XX/XXXX. I have made multiple calls since then with them telling me that this information was in a queue and would be e-mailed/mailed to me by the next day, I have never received anything. I have also mailed a certified letter to XXXX requesting these documents by XX/XX/XXXX with no luck also. I did however receive a copy of my signed contract via email on XX/XX/XXXX. I followed up with a phone call asking when I can expect to receive the other documents that I have requested and she said that I would receive the Deficiency Letter in a few hours via e-mail and the payment history in 24-48 hours and as of today I have not received them.

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 2019-04-01 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: PA

Complaint narrative:
I did a voluntary surrender of my vehicle back in XXXX of XXXX due to unforeseen circumstances I was not able to keep up with the payments. XXXX XXXX XXXX had sent me a Notice of Repossession and Notice of Plan to Sell Property letter. I have never received the Deficiency letter to let me know what the car had sold for or any other correspondences in this matter. I thought this was a closed deal until I pulled my credit report in XXXX and it was on there for {$12000.00} as a Closed/Charge-off account. I have been trying to get this information from XXXX XXXX XXXX via phone with the first call be around the XXXX or XXXX of XX/XX/XXXX. I have made multiple calls since then with them telling me that this information was in a queue and would be e-mailed/mailed to me by the next day, I have never received anything. I have also mailed a certified letter to XXXX requesting these documents by XX/XX/XXXX with no luck also. I did however receive a copy of my signed contract via email on XX/XX/XXXX. I followed up with a phone call asking when I can expect to receive the other documents that I have requested and she said that I would receive the Deficiency Letter in a few hours via e-mail and the payment history in 24-48 hours and as of today I have not received them.

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 2019-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hi I believe I have been retaliated by PNC Bank for contacting the Consumer Financial Protection Bureau. I called on XX/XX/XXXX and spoke to a woman, XXXX and was told all my checks and I asked her to order them and they would be free and she would call me back on XX/XX/XXXX and tell me why this was not handled correctly in the first place. I never heard back and filed my complaint. I called today to make sure my check were actually order. XXXX told me because I filed my complaint XXXX XXXX was handling this matter. I was never notified that XXXX XXXX was handling it. XXXX did not order my checks and then tried to tell me checks were only free on the the master account which is not disclosed on the fee schedule. All checks are free on the Performance Select Checking. It does not say only the Master Account. This should be disclosed to the consumer. Finally she ordered the checks. XXXX refused to overnight the checks even though the check order was delayed by 2 days as retaliation by XXXX since I contacted the Consumer Financial Protection Bureau. It should be mentioned that I called XXXX Bank and requested that I receive a check order on all my accounts as they are free on the fee disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have tried to correct the following problem by making over 6 phone calls and writing letters to the bank : For the past month, every time I attempt to use the card, it is declined and then my credit card account is blocked. I contact the bank and they take me through a re-verification process that involves using a land line, a mobile phone and an XXXX. Several times the representative was unable to make the re-verification process work and a manager had to override the process and un-block it by pushing a button. Today I called for the 7th time, was on the phone for over 45 minutes and the manager could not get the re-verification process to work. I then asked him to simply unblock the account since I answered all security questions and identified myself to him. He refused to unblock the account. I have numerous other bank cards, but have never experienced anything like this. Can you get the bank to honor its contract and allow the card to by used? I have had NO fraudulent attempts of anyone ever trying to use my card or my account. This bank has very poor customer support and staff does not even know how to correct the 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 2019-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: HI

Complaint narrative:
Hello, I have followed and HSBC advertisement link on their website and opened a new checking account in XX/XX/XXXX. 

The advertisement said ; deposit $ XXXX and receive {$350.00} bonus after 90-day I have deposited $ XXXX on XX/XX/XXXX and still haven`t received the {$350.00} bonus. 

Called customer service 3x and chatted on their website 2x and they gave me a case id XXXX on XX/XX/XXXX They said they would call back which they did not. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I was contacted by National credit adjusters on XX/XX/2019 for two delinquent account on my credit report ( XXXX XXXX  ) in the amounts of {$180.00} & {$130.00}. We agreed and they have me on their recorded line that I would pay an amount of {$240.00} to not only have my accounts paid in full but also they would contact the credit bureaus to remove the delinquent accounts. These paid in full accounts are still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX and a recovery agent from XXXX New York XXXX XXXX XXXX XXXX have called my daughters telephone asking questions about me. They have also peppered my girlfriend with questions. Both are illegal. They called my girlfriend this morning. Shes not in default or collections. They have no reason to contact either of them

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 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Add hurricane damage claim.. m & t banks requested check to be sent to them. Then sent to me. I took care of all the damages and sent the reports into m & t. They are refusing to send inspector out so I can get insurance.. And I keep getting notices that I am not making any effort and I've made no contact.. I've made every attempt sent them letters 3 times and have fixed everything with permits..

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 2019-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I attended XXXX University beginning with the fall semester of XXXX. As of the beginning of this year, MyFed Loan is claiming that I owe {$2500.00} ( {$2000.00} past due ) on supposed loans that I took out from XX/XX/XXXX to XX/XX/XXXX. I find it to be outrageous that after so many years they claim that I owe them money. I know of no such loans that I took out and do not find it plausible that any loans that might have been taken out would have been deferred for this length of time. I have called XXXX University and have checked into my financial records. They do not show that I owe them any money and I have requested documentation of all of my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Respected Sir /Madam, I bought a engagement ring from XXXX XXXX an year back, while buying the associate as usual was very keen selling the item. As the ring was expensive we asked for a finance option, and the associate gave us an assurity of 0 % no interest on the loan, and me and my to be other half decided to put some down payment and take the use of 0 % finance scheme. 
We came out happy from the store I went home and set up an auto payment option of XXXX $ per month to the finance scheme from XXXX XXXX ( through comenity bank ). 
Please see the details of the payments I have done till date. 

Down payment at purchase ( XX/XX/XXXX ) XXXX $ Monthly payment ( Every month since XX/XX/XXXX ) XXXX X XXXX month= XXXX Interest charged ( every month ) total XXXX $ Total amount I still owe XXXX XXXX day I just thought of opening my account and checking out how much I still owe and I figured out I am paying 14 % interest every month. 
When I called the customer service of comenity bank, they opened my dispute and sent me an reply that I have to pay. 
I bought this ring taking into consideration the deal of 0 % finance, the person working at XXXX XXXX did not even mention about 14 % interest I will be paying. 
Sir/mam, this is very hard earned money and it is very frustrating to see how these big companies try to do the shady things and extract money from normal people. 
Please help me out. 
I am ready to pay my remaining balance of XXXX and I should get my refund back for XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-01 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: Ditech Financial LLC
State: FL

Complaint narrative:
My previous lender is reporting my mortgage as " included in bankruptcy. '' Per my attorney if a debt is reaffirmed at the same time as your bankruptcy it is not included in the bankruptcy. I have sent the reaffirmation to Ditech Financial showing that the reaffirmation was included along with the bankruptcy, so it was not included. 

XXXX is reporting it correctly. Ditech financial refuses to change the reporting to now included with bankruptcy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: GA

Complaint narrative:
I contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : Transunion is Reporting the following fraud accounts : 1. Law Offices - XXXX XXXX XXXX 2. XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items 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