vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Today, is the third day that I have tried to reach Equifax regarding their " conclusion '' regarding a dispute on my credit report. I received a notice from them on XXXX-19 by email with a confirmation number. It said that I could get the results on line or in the mail. I tried several times on line and was told to call to " verify '' my personal information. When I call on the phone, I get people that do not speak good English, are apparently in a foreign country, and they want all of my personal information to talk with me. How do I know I am not exposing myself to identity theft ... AGAIN? Their website will not give you access through a variety of browsers, you can't get any help on " chat '' and the only alternative is to talk to some stranger who may be stealing your  information. Why doesn't the CFPB just close down these NIGHTMARE companies? They are horrible to deal with and could care less about the various fines and lawsuits that are filed against them. Equifax has erroneous information on my report that I am trying to get corrected and I have no idea what is going on with that. If I want to find out, I have to BUY my report, otherwise ... oh well? According to " chat '' and whomever these people are in other countries answering their phone calls, they are having problems with their website and we're supposed to work with them on the phone. Really? Our government has no control over what these people do overseas! How can they get away with this? Can you intervene? I would strongly support closing all three of them down ... they're awful and out of control! You can't get your information, no control over erroneous information, and are always at their mercy. This is very unAmerican. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: MN

Complaint narrative:
I asked for a credit limit increase and they denied it, but still reported an inquiry to the credit bureaus which decreased my credit score and will remain on my credit report until 2021.

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 2019-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cumulus Funding LLC
State: CA

Complaint narrative:
I have been trying to reach someone at XXXX Align in response to paying off my loan with them. Their billing department appears to be non-existent. I can not find a way to payout the loan in full online, nor can I reach anyone via email or via phone. It goes to a voicemail and the email is not responded to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have submitted tons of documentation to Wells Fargo home mortgage proving my financial hardship and they continue to hound me over and over for more proof as to deter me from the process. They are clearly trying to declare more earnings to their shareholders and wont lower my mortgage after making XXXX k last year and the prior year I was unemployed My taxes increased so much where I live my mortgage went from XXXX to XXXX. They wont remove the escrow. I am fed up with dealing with them I have proven my lack of funds and I just got a job this month. I have given them every doc they have requested

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 2019-06-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax pulled my credit for a mortgage loan that I never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I'm in the process of cleaning up my credit and I came across this account. I'm not recalling having this account. As per the fair credit reporting act can I please be sent proper validation, copy of original contracts with signature, breakdown of charges and amounts owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XXXX of XXXX of 2017 I made an inquiry to a babysitting position on XXXX ( provided are screenshot attachments of the exchange I had with the scammer who I did not know was a scammer at the time ). I was hired and within a week I had received a check in the mail with instructions to deposit the check at my bank account ( that I had at the time with Bank Of America ) and that once the check got cleared to subtract my pay and to wire the rest of the amount to the scammer to him/her through XXXX. I deposited the check without me knowing the check was a fraud and few days later my bank account was put on lock for suspected fraud activity. I contacted Bank Of America 's customer service and was told that in order to clear my name I would have to file a statement with the local police department. I did as I was told and provided all of the evidence I had. I stopped all contact with the scammer and eventually my bank account was shut down and my report was blacklisted so I am not able to obtain a new account. Below is also an attachment of the statement/case that I made at my local police department. Please contact them to verify that my intention was not to commit fraud. Their number is ( XXXX XXXX XXXX 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 2019-06-10 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I have previously provided each of my creditors and each of the three Credit Bureaus, Equifax, XXXX  and XXXX XXXX with certified legal documents from the Superior Court of Jurisdiction validating the name, the legal spelling and hyphenated middle names. 

Each of the three credit bureaus continue to list my name incorrectly. I want my name listed accurately and correctly on my credit reports. 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Currently under dispute for the 5th time- Shows sold to XXXX XXXX in XXXX never was contacted- XXXX went bankrupt in XXXX. XXXX still shows as past due on Experian. 

All accounts in BK chapter XXXX show negative or past due instead of Discharged. in Experian. They actually showed both the last time I looked. 

The main one is XXXX- I believe it is fraudulent to sell a note to someone- XXXX and then sue to collect.

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 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: DC

Complaint narrative:
After a payment was posted to my account, it was removed 16 days later with no notice or explanation provided to me. I have tried reaching out to the company on 3 separate occasions, and have received 3 separate and contradictory explanations for what is going on. On 2 occasions, I was told the issue would be resolved and then no action ever occurred. On the 3rd occasion, the representative disconnected me without finishing my call and never called back. The company should be able to provide me with clear and consistent information on my account, and it's inability to do so has almost made me late for my payment, despite assurances they would resolve it in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Hello. 

I ordered international money transfer to XXXX via MoneyGram. By the time I requested this transaction, all MoneyGram system in XXXX was down which MoneyGram didnt let me know. My receiver in XXXX went to MoneyGram agents everyday since XX/XX/XXXX. The system is still down. I just called MoneyGram to ask about it and they said that they didnt know because they dont manage all their agents. The money was supposed to transfer in few minutes and thats why I paid extra transaction fee. But its been 10 days. I requested the refund but refund process will take 3~10 business days. I asked them to check their system and how long it will take to recover. However they said they dont have connection with all the agents. I would like to check MoneyGrams policy and their management. If they dont manage all their agents and system, they should not promise instant money transfer and to let their customers money get stuck. It was important and urgent transfer. If they cant transfer that money to receiver as they promised, at least they should refund right away. I dont want this happen to others. Please check this company and let me know. Thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP
State: AK

Complaint narrative:
Looking at my Key Bank home equity loan account I see Key   has added a fee of {$210.00} plus {$11.00} to my account and call it Assess Prop Val Fees. I have called Key to find out what these fees are about. I have been transferred from XXXX to XXXX to XXXX and the only answer I got from XXXX was it was for insurance. For what no one seems to know other than I am being charged for it. I told them I already have the property insured and didn't need this nor do I want it. I'll have someone get back with you is what I'm told. When asking when will that happen? After they review it I'm told. I've heard that too many times before and it never happens. It's my money and I don't want them spending it without my approval or knowledge. If Key wants to know the value of my property, they should also pay for it, not me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Abrahamsen Ratchford, P.C
State: ME

Complaint narrative:
The Rashford Law firm has called me multiple times about a debt that is not mine. The Gentleman has also called my place of employment and harassed my employees about verifying if I work here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This bank doesnt care for my or my concerns Im XXXX XXXX XXXX and they give me a hard time their customer service refuses to speak to me and says my phone is not verifiable and always want me to go to a branch when I cant walk these people Dont care that Im XXXX and refuse to take care of my concerns over the phone they contact me and insist that I go to a branch to activate a debit card something unbelievable they give me a hard time even when they call me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
The XXXX XXXX XXXX has called me multiple times about a debt that is not mine. The XXXX has also called my place of employment and harassed my employees about verifying if I work here.

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 2019-06-10 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: NY

Complaint narrative:
With previous complaint Transunion removed fraudulent accounts but forgot to remove fraudulent inquires that were also listed as well.

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 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX my Comcast phone stopped working. On XX/XX/XXXX I found out my phone number was stolen ( ported to different carrier ) and my Capital One MasterCard was stolen. Someone had managed to call them ( using stolen phone number ) and get them to send a new card to their address. This is a card that I have not used in over a year and sits in a locked box in my house ( it is still there ).

Capital One called me about attempted fraud, but will not fix the issue until I prove my idenity. The only acceptible way for them is for me to send them scanned copies of my drivers license. While I understand their need to verify my identity, I am not comfortable sending them copies of my document, since they already have a data breach by sending my card to someone other than me and I therefore do not trust their security. I attempted with many phone calls to negotiate any other way to prove my identity ( go to a physical Capital one branch and show my ID, go to the sherriff, federal agency or similar and do the same thing ) and they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I was given a loan for a car to which my first problem was the same day. Car was dead. Battery was replaced. Then I took the car in on numerous occasions and each time they said there was no problem. By the fourth or fifth month the whole transmission fell out the car. It was supposed to be covered but in a turn of events they said I will have to pay for the tear down which could have ran me up to {$5000.00}. Now that is not fair. I reported it immediately and told them to keep the car. Then later I found out there was a problem about a salvaged title which was another problem. Now I get called from them several times a day everyday. It has gotten so bad I put them on block and they still call from other numbers. The harrassment is out of control.

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 2019-06-10 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: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
On more than one occasion the credit furnisher has re-aged the date of first delequincy so that the file continues to remain on my credit history as a negative account. 
Date of first delequincy. Is XXXX of XXXX The furnisher has moved it forward to XX/XX/XXXX and recently moved it forward to XXXX of 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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I'm in the process of repairing my credit and came across this account in my profile. I'm unaware of this account, charges, fees or it's associations with me. As per the fair credit reporting act please provide validation to me via mail. Original contract with signature, breakdown of charges and fees and any other that proves this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently turned XXXX and tried to sign up and find my credit report. Although this has not been very easy. My identity can not be verified by any credit report sight available. I went up to my social security office and I was told to contact the credit site over the phone. None of the calls I made ever made it to a representative instead they were all automated and got me nowhere. I am upset because this has been an ongoing issue since I first got a credit card.

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 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was given a loan for a car to which my first problem was the same day. Car was dead. Battery was replaced. Then I took the car in on numerous occasions and each time they said there was no problem. By the fourth or fifth month the whole transmission fell out the car. It was supposed to be covered but in a turn of events they said I will have to pay for the tear down which could have ran me up to {$5000.00}. Now that is not fair. I reported it immediately and told them to keep the car. Then later I found out there was a problem about a salvaged title which was another problem. Now I get called from them several times a day everyday. It has gotten so bad I put them on block and they still call from other numbers. The harrassment is out of control.

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 2019-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One Venture Card, provided by Capital One. My billing cycle usually ends on the XXXX and I usually get an email on the XXXX notifying me that my credit card statement is available. This past XXXX, I did not receive that email. The only reason I was able to pay my credit card ( CC ) bill on time was because I have an automatic alert that reminds me when my bill is due in 7 days. I believe that this is a glitch in their system that has the potential to affect all of their customers, thereby imposing unwarranted late fees on many people. This is also in violation of the Paperless Agreement that customers have signed. Customers should always be notified when their CC statement is ready.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: WA

Complaint narrative:
A check issued by me in XXXX was withdrawn twice - one in XX/XX/XXXX and another in XXXX XX/XX/XXXX. First of all, the bank did nothing to stop verify the validity of the check. How can they withdraw money from a check that is 2+years old? Second, I called them multiple times to resolve the issue but they showed no genuine interest in doing so. They helped someone steal my hard earned money and did nothing to stop me or help remedy the situation.

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 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently turned XXXX and tried to sign up and find my credit report. Although this has not been very easy. My identity can not be verified by any credit report sight available. I went up to my social security office and I was told to contact the credit site over the phone. None of the calls I made ever made it to a representative instead they were all automated and got me nowhere. I am upset because this has been an ongoing issue since I first got a credit card.

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