vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-08 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:
My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following inquires be removed as the inquiries dont belong to me. I did not apply for any of the following inquires which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with Transunion and they declined to assist me with this issue. My understanding about Transunion reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and Transunion does not have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong to me. I submitted this complaint before and Transunion claimed that this is a credit repair company helping me, but this is self ( XXXX XXXX ).  See letter.

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 2020-08-08 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: Self Financial Inc.
State: NC

Complaint narrative:
I have a secured credit card with Self lender. They were supposed to be a credit builder company, and thats the reason I have obtained it. XX/XX/20 I have received email from all my credit monitoring platforms stating that I have overspent my credit card, and for that reason my XXXX credit score decreased XXXX points! This company called self lender is practicing unfair business! I have paid my credit card much before the due date XX/XX/20, instead of this company be reporting to the credit bureau like any other financial institution, they are reporting what you spent on your card before payment is due. For example : my credit card is due on the XXXX of each month. I pay the credit card the XXXX of that month. After the statement posts like any other credit card I can spend. This company is reporting to credit bureau at the end of each month your balance that you have on your card! This company has Hurt my credit score in the middle of purchasing a home. Im in the process of purchasing a home, and my credit has reduced XXXX points. They have reported to the credit bureaus that I have overspent {$18.00} dollars from my credit card! I need this company to shut down! I have filed a complaint with the XXXX XXXX XXXX  as well! They will not ruin my house purchasing! I am a single mother with a young kid, and my dream my whole life was to purchase a home. I need Selfer lender to fix what they have done to my credit as soon as possible! Im closing my house in 2 months! I cant afford taking a hit of XXXX points on my credit score! I will upload photos of what was reported to the credit bureaus as well as my statement.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There are charges I know nothing of or was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have a loan with NAVY FCU, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and NAVY FCU, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Over the past several years, Wells Fargo Home mortgage has been difficult to deal with when it comes to my Mortgage Loan. 
I did address my situation with Wells Fargo Management. I made it clear that am the Single owner after my XXXX died. Since then Wells Fargo lowered the interest rate to 3.350 % per annum. 
In light of Covid-19, effective XX/XX/2020, Wells Fargo has raised the interest rate to 3.875 %. Subsequently, I contacted Wells Fargo by phone and e-mail. When I inquire about with new rate, the Customer Service agents only response is I am Sorry. This response is a false apology by Trained Agents. I followed my my complaint by e-mail and later Wells Fargo did block me from contacting them by e-mail. 
Before the rate increase, my monthly payment was {$1600.00} and effective XX/XX/2020, the new payment is {$1700.00}. I also had to pay a large amount to pre-pay to my Escrow Account to lower my new monthly payment. 
Since then, Wells Fargo has been suggested to me with two options.

1. Option 1. Forbearance. I will not accept this option. This tactic is done by Wells Fargo to put more Burden and pressure me to Accept this option. This method is good for Wells Fargo to eventually put me to Foreclosure Status. 
2. Option, 2.. Refinance : I will not accept this option at all. I am not going through refinance process. I do not have funds to pay for closing costs and I hat e to put myself to Hard Inquiry credit process. 
I will Accept the old 3.75 % and I request Wells Fargo Restore the old rate ASAP and refund me for the payment I made for the month of XX/XX/2020. 
I am XXXX years old and an XXXX American I is the Pattern of Wells Fargo not to help Minorities with Lower Interest rate. 
Wells Fargo wants to Drain me for longest period by Using Forbearance & Refinance Options. This Racial Tactic is designed to Minorities. It is to discourage us Minorities not to Won the American Dream. 
A copy of the Complaint is being Filed with the State of XXXX   Office of The Attorney General, Consumer Protection Division. 
3.

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 2020-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have experienced horrible service with Fifth Third Bank so far! I have called the bank 5 or 6 times for resolution. I have also sent secure messages. I was able to set up all my bill pays and make payments on XX/XX/2020. Since then I have been blocked. For days I was blocked from logging into XXXX on my computer. Now Im unable to receive text alerts, unable to transfer funds between my checking and savings, unable to send out bill payments do a security block popping up to protect me Customer service response? Your risk score is too high because you are a new customer and you keep doing things to raise your score like trying to transfer funds or using bill pay and logging in using your computer and your phone. Dont log into XXXX for a week! This will bring your risk score down. My response how will I pay my bills? No suggestion, no resolution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I moved out of property that was managed by XXXX XXXX XXXX XXXX. at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX XXXX I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. XXXX XXXXXXXX XXXX XXXX is incorrectly billing me for monies and debt that I already paid in person to XXXX XXXX XXXX and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on EXPERIAN credit reporting agency. Experian has ruled each dispute in favor of XXXX XXXX XXXX without providing any proof to my person.

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 2020-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX On XX/XX/XXXX I transferred the sum of {$560.00} to XXXX to assist a friend with her school fees to XXXX, world remit sent me a confirmation on my service complete. It is XX/XX/XXXX and the money never arrived in XXXX. I called world remit and they have been lying and lying and refused to give me a refund. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I moved out of property that was managed by XXXX XXXX XXXX XXXX at address : XXXX XXXX XXXX, XXXX, CA XXXX. On or about the week of XX/XX/2016. My final day at the residence managed by XXXX XXXX XXXX IN. I paid the remainder on my lease in full to the employee and dropped of my keys. She mentioned that she could not assist me the moment with a receipt because of new company taking over properties was in the middle of transferring documents to them but assured me that a receipt would be mailed to me at my new address Approx. 190 miles away ( I NEVER RECEIVED ANY RECEIPT IN THE MAIL EVER!!! ). A few month later when I had a chance to go back in person they no longer were in business, last time i checked its now a massage parlor. XXXX XXXXXXXX XXXX XXXX is incorrectly billing me for monies and debt that I already paid in person to XXXXXXXX XXXX XXXX  and they illegally sold this debt. I have disputed multiple times and currently have another active dispute on EQUIFAX credit reporting agency. EQUIFAX has ruled each dispute in favor of XXXX XXXX XXXX without providing any proof to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: NC

Complaint narrative:
I have a secured credit card with XXXX XXXX. They were supposed to be a credit builder company, and thats the reason I have obtained it. XX/XX/20 I have received email from all my credit monitoring platforms stating that I have overspent my credit card, and for that reason my transunion credit score decreased XXXX points! This company called self lender is practicing unfair business! I have paid my credit card much before the due date XX/XX/20, instead of this company be reporting to the credit bureau like any other financial institution, they are reporting what you spent on your card before payment is due. For example : my credit card is due on the XXXX of each month. I pay the credit card the XXXX of that month. After the statement posts like any other credit card I can spend. This company is reporting to credit bureau at the end of each month your balance that you have on your card! This company has Hurt my credit score in the middle of purchasing a home. Im in the process of purchasing a home, and my credit has reduced XXXX points. They have reported to the credit bureaus that I have overspent {$18.00} dollars from my credit card! I need this company to shut down! I have filed a complaint with the XXXX XXXX XXXX as well! They will not ruin my house purchasing! I am a single mother with a young kid, and my dream my whole life was to purchase a home. I need XXXX XXXXXXXX  to fix what they have done to my credit as soon as possible! Im closing my house in 2 months! I cant afford taking a hit of XXXX points on my credit score! I will upload photos of what was reported to the credit bureaus as well as my statement.

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 2020-08-08 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
There are charges I know nothing of or was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There are charges I know nothing of or was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made payment arrangements with XXXX XXXX for my creditors. Capital one agreed to a lower payment for 2 months. They put 2 negative marks on my credit as a delinquent account. When I reached out to them, they told me it was too bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
I closed my Discovered secured card back in XX/XX/2020 and requested my refund. 
I was told the process would likely take 2 months to complete. 

It has been 6 months and after 3 failed attempts, I am under the impression that Discover wants me to give up claiming my deposit funds ( {$400.00} ). 

I have called them up at least five times now and they always say the check is on its way. 
Several weeks go by and the check never arrives. 

They have allegedly sent out 3 checks and I have provided 2 different addresses but the check never shows up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have a loan with XXXX XXXX, XXXX XXXX, and WFDS/WDS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX XXXX, XXXX XXXX, and WFDS/WDS with no successful resolution. There was definitely an error on their part.

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 2020-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX noticed a new debt collector ( I C System inc ) on my XXXX credit report for {$540.00}. I immediately contacted the original creditor ( XXXX ) to inform them that I have been XXXX  since the beginning of XXXX and was released on XX/XX/XXXX. I have no knowledge of this credit nor did I approve a credit 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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My chapter XXXX case is still showing petition when the case should be showing close. Complete. Reached out to credit bureaus and not updated

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 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my PNC account with XXXX. PNC has security in place preventing this and stating that the issue is on XXXX end. The service XXXX provides is a round up service so any time I use my debit card it will round up the charge to the nearest dollar and send the change into my acorns account for savings. This is my money reguardless of the mini transactions occuring there ; I should be allowed to make these charges with my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have filed multiple disputes to have an account with serious delinquency removed from my Equifax credit report, latest being on XX/XX/XXXX. The date of first delinquency of the account in question ( XXXX  XXXX XXXX ) was XX/XX/XXXX. I was told by the agent on the phone that the account should have fallen off XX/XX/XXXX but just received dispute results and they are not removing the account. When I called back the Equifax representative tried to tell me that the account was not negative and thats why it wasnt being removed, which is not true. I feel like I am just being routed to call centers in XXXX with unknowledgable staff and given the run around when the issue at hand has a very serious effect on my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My chapter XXXX case is still showing petition when the case should be showing close. Complete. Reached out to credit bureaus and not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
My chapter XXXX case is still showing petition when the case should be showing close. Complete. Reached out to credit bureaus and not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Im trying to add my bank card and I cant add my bank card on here

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC not allowing bank account to be linked to XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank keeps going into my XXXX  XXXX credit cards and withdraws {$25.00}. They are not authorized to do this. What gives them the right to go into my two credit cards and take {$25.00}. This is causing a problem for me and I want this solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My checking account was POSITIVE when I was accessed below three fee ( s ) which is in my opinion way way too high. The fee was recently increased to {$37.00} from {$30.00}. I sent bank message from my bank account they never got back to me. 

SEE ATTACHMENT XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} COVID-19 pandemic I am currently unemployed along with 40 million other folks, any relief at this time would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation