vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-28 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: GA

Complaint narrative:
VIOLATION OF MY CONUMER RIGHTS .... 
TAX LIEN ON MY CREDIT REPORT ... .... PUBLIC RECORD I received a bill from XXXX XXXX XXXX VIA XXXX XXXX XXXX XXXX FOR XXXX XXXX FROM PERIODS OF XX/XX/15 - XX/XX/2015. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/2015. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/2015 WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: HGREG.com
State: FL

Complaint narrative:
I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX. I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my XXXX XXXX. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my credit karma report XXXX new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with XXXX and XXXX. But I am unable to proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am concerned to the point of complaint that two of the largest banks, Bank of America and XXXX, are discriminating against legal, law-abiding businesses to force them to comply with their product demands in order to do business with them. These banks should not be able to discriminate against businesses that sell a legal product ( guns ) that dont fit into their social philosophy. Today it is guns, but tomorrow it may be specific types of cars, as we all know that SUVs were demonized about 10-15 years ago. If large banks are allowed to discriminate against gun sellers and buyers, they can also discriminate against SUV sellers and buyers. Where will it end?. Too big to fail businesses that seek government bail-outs in hard times, should not be able to force their philosophy onto consumers when they no longer need government assistance. If banks are doing business in the public space, then they must provide their services in an equitable manner to ALL legal businesses.

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 2018-04-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My mortgage lender is trying to pull my credit for a loan and Equifax is unable to get pulled its giving them a error saying its blocked. Equifax denied the report being blocked. The lender is only able to pull using my maiden name ( XXXX ) not my married name ( XXXX ) which is causing my Loan to not go through. The name should read XXXX XXXX XXXX for my credit report. Equifax is saying its not them its the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX  I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my credit score. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my XXXX XXXX report 5 new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with XXXX and transuion. But I am unable to proceed.

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 2018-04-28 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: FL

Complaint narrative:
I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX. I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my credit score. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my XXXX XXXX report 5 new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with equifax and XXXX. But I am unable to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I applied for a loan modification with SLS, my primarly mortgage lien holder in XX/XX/XXXX. I signed and notarized the loan modification agreement per the lender 's terms and mailed the entire package back to SLS inXX/XX/XXXX. I have been making monthly mortgage payments per the terms of the modification agreement for the past 3 months at $ XXXX/month. As of todayXX/XX/XXXX, SLS has either refused and/or delayed execution of the loan modification agreement that I signed inXX/XX/XXXX. When I contact a SLS representative 1 week ago, I was told the loan modification agreement which I had signed and notarized would not be honored by the investor and certain terms in the loan modification would be revised. I now believe this is a bait and switch scheme to entice me to sign and notarize a loan modification, accept my monthly mortgage payments per the terms of the loan modification, and then withdraw the loan modification agreement to substitute with less favorable terms that would leave me with no choice but to accept.

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 2018-04-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN continues to refuse to delete an old XXXX XXXX  account opened in XX/XX/XXXX and closed in XX/XX/XXXX. This account was from a divorce dispute with my former spouse and is old, outdated information.

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 2018-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I WENT TO APPLY FOR A NEW APT . TODAY AND FOUND OUT I CAN NOT MOVE INTO ANY APT . BECAUSE I WAS IN DEBT COLLECTION FOUR YEARS AGO WITH HUNTER WARFIELD AND IT WAS PAID XXXX XXXX  2014 IT WAS NEVER SENT IN TO BE TAKEN OFF MY CREDIT HISTORY. I WAS LIVING AT XXXX XXXX WHEN THIS TOOK PLACE AND IT WAS A MISTAKE AND IT WAS PAID FOR. PLEASE CHECK INTO THIS MATTER SO I MAY MOVE FORWARD. THANKS

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: DC

Complaint narrative:
This was an ER visit on XX/XX/2016. My still current and active insurance information was submitted for payment. I never received a notice from the ER or XXXX stating that the bill would not be paid. Now 2 years later it shows up on my credit report. I would like to know why this is on my report if XXXX did not deny this claim nor was I notified by the hospital that XXXX did not pay this bill? I would like to see some sort of verification that XXXX denied the claim that was submitted for this ER visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX 2018 it was reported by the XXXX XXXX that Bank of America was refusing to conduct business with legal gun manufacturing businesses in the U.S.

ArtIcle here : XXXX XXXX XXXX XXXX XXXX XXXX  Bank of America has instituted a policy that has me very concerned that if this current policy is allowed to continue I and other Americans may be arbitrarily refused business by Bank of America simply for conducting business which the bank deems inappropriate or politically inconvenient.

Americans need banking services to survive in the modern economy. Law-abiding citizens have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business.

Please look into this matter and put an end to this Bank of America policy of discrimination.

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 2018-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm am a United States Army soldier currently XXXX in the XXXX XXXX. Before my XXXX I was involved in a active duty training exercise. The month 's of these training exercise were, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2017. I was late paying my car during that time because the training was in a remote area, with very limited communication. Upon returning, I contacted Wells Fargo Dealer Services to make arrangements. I was told to fax a copy of my orders to them and the late payments that had been reported to all 3 credit  reporting agencies would be 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 non-monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Hello, I had to go to the emergency room for my XXXX  XXXX very suddenly. I felt that something was wrong, and when I got to the emergency room they ran some tests and sent them to my doctor. They also gave me an XXXX. 

My husband was in the XXXX at the time, and we had XXXX. I gave the hospital all the information they needed for our insurance. XXXX covers two visits to the emergency room if they are out of the network, which that was our first time. 

We thought everything was covered, until we got a call from the debt collector. almost 6 months later. We said XXXX paid it. They said no. We called XXXX. They said they did cover it. I can not afford to pay XXXX dollars to get this off my credit report, and I need to very badly because it is effecting me.

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 2018-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I bank with Wells Fargo. This bank sends returns checks thru your checking account a second time without the company the check is written to. I paid XXXX to the Electric company XXXX XXXX XXXX  I contacted XXXX XXXX XXXX once I realized the check did not clear my checking account.

XXXX XXXX XXXX told me to go and pay the bill using cash because they do not send checks back thru. I did this within a day the check was being processed again thank XXXX  I was able to stop before it processed. Wells Fargo has done this to me numerous times causing me more ridiculous bank fees. I live on a fixed budget. When this bank does this it causes other items not to clear. I called them and asked for their policy on this topic to be mailed to me or the Corporation address so I could write them. I asked them also for the policy on Wells Fargo deciding to run a check back thru my account when the company I wrote check to states they do not run a check thru a 2nd time. Wells Fargo practices needs to be looked into. I check my account on XXXX2018 at XXXX again at XXXX and each time my account balance was different. I had a car payment return the finance company said they do not run the check again unless I call them. Well sure enough Wells Fargo sent the check thru again and again more fees. I cant get ahead. My mortgage is behind. I just loss my XXXX  JOB and all the bank fees are really putting a strain on my finances. Please look into this. Consumers should be told that even if the company the returned check is on does not re run the check Wells Fargo does?? I have been asking them over and over how they die credits and debits. No clear answer once had a line of credit never used it and they just closed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As an American citizen, tax payer, voter, customer, consumer, active participant of the community, and one who served our country in the military through the United States Coast Guard, it is deeply concerning to me, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor. I am referring to us members of the XXXX XXXX XXXX ( XXXX ),  and us law abiding citizens who strongly believe in the Second Amendment of the US Constitution, ... the right of the people to keep and bear Arms, shall not be infringed.. Who are the banks to make public policy and knowingly target our rights? That is not their role, and is a form of discrimination and intimidation. Please act swiftly and decisively against such banks, ( Citibank being one of them ), to make them accountable and align themselves with the US Constitution. Thanks so much.

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 2018-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
You didn't actually have any categories that fit my complaint so I hope this ends up in the right queue. My complaint is against Bank of America ( BofA ) and XXXX for implementing XXXX policies. Both of these companies took taxpayer money to bail them out of trouble during the banking crisis and they have no right to discriminate against customers just because they support the second amendment. This is bigotry and it's wrong when we haven't done anything wrong. I actually bank at BoA and now I have to worry if they'll start causing problems for me due to my XXXX activities or if I attempt to buy a gun. I've heard that most of the XXXX discrimination is against XXXX   manufacturers but that still doesn't make it right and if that discrimination is allowed then they may start infringing on the personal rights of their customers.

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 2018-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My car was financed with Wells Fargo Dealer Services. I had to declare bankruptcy after being diagnosed with XXXX XXXX. I continued to pay my car payment I did become a month behind I called them and told them when I could make the payment and they agreed to this. A couple days later I went out side to get in my car and it was gone repro. In the state of SC if your vehicle is repo you can not get it back. Because I had made the arrangements with them they allowed me to pay fines fees totaling about XXXX in order to get my car back. This was in XX/XX/XXXXor XX/XX/XXXX. Due to this process happening I refinanced my car with another company. Most interest paid car had about 2 years to be paid in full. When I refinanced of course my interest rate went from a 3.5 to 15.7 percent. People who become sick no fault of their own can find no help anywhere we lose everything.

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 2018-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am working in conjunction with Keep Your Home California. I have been approved for {$58000.00} to be paid to Nationstar, dba Mr. Cooper, for my loan # XXXX. I was pre-approved through Nationstar 's HHF division via KYHC. Nationstar was sent an A report on me letting Nationstar know that I had been approved and that the funds would be wired on XX/XX/18 for the payoff amount of {$58000.00}. 
I was told by KYHC that if I do not finalize within 30 days documents that are supposed to be immediately forthcoming from Nationstar my funding will be cancelled. 
I have been trying for over 10 days to get a status on whether or not my funds were received by Nationstar on XX/XX/18, what time, how they will be applied and by what accounting method, what documents they are sending and when, and any other pertinent information so that I can execute on my end and not lose my benefits. 
The Loss Mitigation division does not allow anyone to speak directly to the Foreclosure Prevention division, which is the division that interfaces with KYHC and HHF. I have to go through a customer service person who has to email that division and wait up to 48 hours to get any information to them and another 48 hours for that person to report it to me. THIS IS RIDICULOUS. This is my home and funding we are talking about. 
To date I have received no communication other than a laconic email that said the monies have been received -- no date, no procedural information, and no explanation of documents I can anticipate and their timeliness. I was also given an XXXX number to call my point person, XXXX XXXX, whenever I needed to reach out. I have been dialing this number practically nonstop for the last two days. ( The whole number is XXXX. ) After redialing for 50 to 60 times in a row, the number is ALWAYS BUSY. I even called it just now, at XXXX XXXX Nationstar 's time, and the number is still busy, when callers can not possibly be calling in because they're not open, so I know I am being given a bogus number and the runaround. 
Please do something. I can not risk losing the benefits for which I was vetted and approved and which I need to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I find it reprehensible that Bank of America and XXXX are using social engineering to punish legal businesses that deal in firearms. 

For companies that were saved by government ( taxpayer ) bailouts and have substantial government business, they have no right to deny financial services to any businesses that are conducting legal and constitutionally protected commerce.

I will review any future personal dealings I might have with these two banks if they continue their plans to punish these types of businesses and proceed with their unjust intentions.

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 2018-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
I deny this debt no contract with my hand writing on it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
I deny the debt even if the debt can be validated I dont acknowledge it or have written contract

Company response to consumer: Closed with explanation