vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In the spring of XX/XX/XXXX, I was informed by the IRS that somebody had stolen my identity and filed my taxes. I followed all policies and protocols with all relevant agencies. I submitted police report, affidavit, SS card, DL, and IRS letter. All 3 major credit bureaus removed fraudulent acct except, EQUIFAX. One account I have disputed with Equifax, for over two years is, XXXX XXXX XXXX. I called around XX/XX/XXXX to inform Equifax, I was not happy with the fact they keep telling me account was verified as mine. I demanded a loan document showing my signature as proof. The man said he would follow up. Fast forward : XX/XX/XXXX I am out shopping with my daughter. My retail CC came up declined. I was shocked. Used another credit card that was declined. I called XXXX XXXX, they explained EQUIFAX had sent a letter 5 days earlier that I was disputing my accounts as fraud. The bank closed my CC immediately. They can not reopen I need to reapply. I called Equifax that evening Spent three hours on hold in the XXXX. Finally, I was sent to Nevada EQUIFAX call center When XXXX pulled up my acct all she said over and over was " oh my XXXX, every one of your accounts on your credit report are being reported as being disputed by you for fraud '' Closed, Open Accounts 20+ years- all being disputed. I had called in reference several weeks ago about XXXX XXXX XXXX. I asked XXXX what EQUIFAX was going to do. She said EQUIFAX would send letter that I no longer dispute accts and remove fraud status immediately. That is fraudulent. Equifax is not to tell my creditors I no longer dispute accts as I never did!! - adverse action has taken place against me. I have closed CC with high balances. I have no credit available with unpaid balances. This is killing my credit score XXXX said it was a glitch in equifax stem. This is unacceptable, irresponsible and down right dangerous. I have been living a nightmare since XX/XX/XXXX.  Calling all my creditors begging them to not close my accts - guess what? XXXX XXXX and XXXX  are now showing/reporting EQUIFAX fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: OR

Complaint narrative:
I have tried communicating this to UAC, and XXXX  for years now and have had no success. This auto loan was not opened by me, and every time I reported it nothing ever happened. Now its been 7 years and yet it is still on my credit report and yet again I am getting no help from the company. I am hoping that this will finally resolve such an old damaging problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: IL

Complaint narrative:
I have submitted a dispute to Equifax for the last past few months involving identity theft and they refuse to block the fraudulent information. I have sent a copy of an identity theft report along with a police report and the status of the account has not changed. XXXX and XXXX has acted and removed the information already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
For the last year I have had a credit limit of {$3300.00}. On XX/XX/XXXX I made a payment of {$3200.00} that reduced my balance to {$0.00}. On XX/XX/XXXX I made a purchase for {$320.00} but it was subsequently returned. I was waiting on a refund and did not make the monthly payment so my credit limit was reduced from {$3300.00} to {$390.00}. The refund was applied to my account on XX/XX/XXXX for the full amount of {$320.00}, however ; my credit limit has not been increased. When I inquired about the reduction I was told it was due to the late payment. The issue has been resolved and I feel that the reason my credit limit was reduced is because I paid off my balance. These discriminatory practices should not be allowed in the credit card industry.

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 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I have maintained a personal and business checking at PNC Bank since on or around XX/XX/XXXX. My system of personal finances operates on a cash-to-account basis. This means I will make several cash deposits through the week, as needed for purchases. I also frequently check my account balance via the PNC Mobile application, and have account alerts setup when my balance reaches below {$100.00}. On Sunday XX/XX/XXXX I received an email notifying me my available balance was {$33.00}. Again on Saturday XX/XX/XXXX notifying me my balance was {$5.00}. Seeing no issue as I was coming in the next day to make a deposit, I refrained from making any purchases that would overdraft my account. On Tuesday XX/XX/XXXX I received an email notifying me my account was overdrawn and balance was negative - {$85.00}, of which {$72.00} was 2 overdraft fee 's ( {$36.00} x 2 ). I attempted to resolve this with a banker on XX/XX/XXXX at the PNC branch office ( XXXX XXXX XXXX, XXXX XXXX, MO XXXX ). The banker advised me that their systems do not update the balance from over the weekend until Tuesday which is why the available balance information was incorrect, and recommended I call the automated system instead of relying on the mobile app. I can not FATHOM, with the mechanism 's and technology available between PNC and the consumer, why I have to not only make a phone call to get information, but why the information readily available on their mobile/online banking system IS NOT ACCURATE. Had I known that they were going to slow roll my purchases over the weekend and carry them to almost middle of the week, I would have made the necessary deposit to keep the account from going over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has charge excessive overdraft fees of {$35.00}. Request has been made that Wells Fargo not honor payments when funds are not available. However they have continuesly done so without our consent. To grant a charge when the funds are unavailable and then to charge a {$35.00} overdraft fee for separate transactions knowing that there are insufficient funds to cover the transaction is in a sense predatory lending.

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 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I closed on my mortgage on XX/XX/2018. USAA Bank received their funds that day. I had an escrow balance of more than {$900.00}. I called after 10 days to inquire where my funds were and was told I should receive them within 20 days of closing. I inquired again today and was told they were disbursed on XXXX-18 ; not mailed, disbursed. 
Mortgage companies should not be allowed to hold my funds without paying interest for that long. The loan account is not like a checking account, all outstanding or pending debits are accounted for on the closing statement and therefore no reason to hold the account open. 

My account # is XXXX ; the property address is : XXXX XXXX XXXX, XXXX, OH XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I had an freeze on my Experian account. I have filled out their form online with my pin about 5 times, plus I have written 2 letters directly to Experian requesting that they remove any locks or freezes so that I can try to obtain a refinance on my mortgage. 

My account is unlocked and not frozen, but they refuse to release my credit report to anyone at all. 

Ive been calling them for over a month complaining about this. Will you please call them to release my credit file and score to anyone who ask for it. 

I do not ever want them to freeze or lock my information to anyone.

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 2018-10-23 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: FL

Complaint narrative:
Re : Transunion Dear Transunion, There are multiple spellings of my name and listed address that are not associated with me on my credit report that is incorrect. My name is spelled only one way XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. All other addresses and spelling of my name listed are incorrect and resulted from crime ( s ) that have taken place. You were sent a copies of an sworn identity-theft affidavit and identity-report filed with the federal trade commission. However, these inaccuracies still remain on my credit reports which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspellings of my name prohibit me from verifying my identity with creditors. Lastly, you have also be sent updated information of my current address which I lived at for the past 25 years. I have exhausted all remedies before I take legal action. The following listing in my file are a defamation of character because they are also associated with debts I DO NOT OWE.

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 2018-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been having issues with unknown addresses that I never lived at keep reappearing on my credit file XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX OH XXXX, I believe it is a error and possibly another XXXX XXXX and Our files have been confused somehow to my file TRANS UNION # XXXX, XXXX Report number XXXX, XXXX XXXX. I have attached at copy of my OHIO STATE ID for proof and verification.

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 2018-10-23 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: NY

Complaint narrative:
reporting an inaccurate account balance of {$11.00} and i do not owe that amount.

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 2018-10-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 a order was placed to XXXX for the amount of XXXX. Two days later the item was delivered in which my signature was forged and someone stole the item. I filled a dispute with XXXX XXXX who is XXXX XXXX and provided them with a police report as well as a Identity Theft report and they refused to remove the charges. They also closed my account without notifying me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
Sometime between XX/XX/2018 I contacted Santander to make the XX/XX/XXXX payment by phone using a credit card. The company refused payment, claiming they don't accept credit cards. I advised that I have a XXXX XXXX XXXX & the credit card is my only option for payment for the next few months. Santander advised that I find a way to pay using the card elsewhere when I complained that I should have been told this when the loan was offered. I contacted the company again in XX/XX/XXXX to explain that the credit card was my only option for payment & I would be late on payments until I could figure out how to use the credit card/get cash off it to transfer to Santander. I asked that they explain the terms of the penalty for late payment & the rep advised that the car isn't repossessed until at least 120 days past due & even then, there is a program to prevent repossession when significant hardship exists ( such as a XXXX XXXX XXXX ). However, that rep was not referring to the state laws where the vehicle was repossessed & a repossession notice was sent in 30 days to the old address XX/XX/2018 because the company failed to update the address when I contacted them to update it in XX/XX/2018. I found out about the letter ( XXXX letter, state of Minnesota ) when I called to modify the loan XX/XX/2018 & learned the car was " up for repossession ". I was then told that the company would work with me to resolve the payment issues without repossession. On XX/XX/2018 the car was repossessed while I was sleeping overnight & the company 's reinstatement rep advised that because I " missed ONE call '' 4 days prior, that they " thought '' they weren't a priority & repossessed the car ''. Not because I actually defaulted on the loan or told them I would default but because they called & didn't get to speak to me due to my being in meetings /driving & them not calling to follow up more than once, they repossess the car & tow it over an hour away because they assumed they were unimportant & could take the collateral for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2014 I made a principal payment ( {$300.00} ) that Wells Fargo put in unapplied funds. On XX/XX/2014 a regular mortgage payment ( {$560.00} ) was made. Then on XX/XX/2014 they applied the extra payment to the balance ( {$94000.00} ) after the regular payment. It should have been applied to the balance ( {$94000.00} ) before the regular payment. Wells Fargo says they can't go back but 90 days. If I made a mistake Wells Fargo would go back 90 days! Where's the accountability?

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 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I purchased my home XX/XX/XXXX, I have paid my loan accordingly {$1600.00}, but always paid {$1700.00} and escrow is paid per the lender. However various lenders have held the loan, one of which ran an incorrect escrow analysis, The lender was XXXX in XX/XX/XXXX, lowered my payment in error and sent me a check for the overage. In the interim, my county office did a reassessment in which the value of my house increased, and knew it would affect my payment about XXXX. Wells Fargo now owns the loan, I called numerous times since XX/XX/XXXX to correct and they were unable to resolve because they were unable to understand what transpired once the loan was sold to a different lender. Due to the shortage in the escrow my payment increased to {$2400.00}, in which I have spoken to numerous escalated representatives with Wells Fargo, and they are still working on the resolution. They closed the case previously in which I was not satisfied because they still had not concluded the resolve for the payment increase and each time I make a payment of {$1700.00} it appears that my payment is in default since they increased the payment to {$2400.00} They did send notices of foreclosure previously and reported to credit, however they have since halted the notices and blocked the credit reporting. I am looking to transition to a different state and am unable to move forward until this is rectified. I need assistance. I have contacted my PA state rep. and they did write a letter, however it has now been over a year!! 
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 monetary relief
Consumer complaint received 2018-10-23 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Ford Motor Credit has reported me to all all 3 reporting bureaus as late payments were made and Ford never updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
LENDER CALL : ( XXXX XXXX ID XXXX ) /Foreclosure ACTIVE / SALE SET XX/XX/XXXX / 60  months / {$94000.00} ( delinquency ) -The rep from the executive office contacted me back to advise me that the appeal we submitted was denied cause of income once again. When asked what was the reason I was advised once again that the client was denied over not sufficient income. I asked XXXX XXXX what was the income used and she advised me that the amount was {$3400.00} which I advised the rep that why wasn't the income we provided and showed proof of the wife was not used. She couldn't answer me and just kept saying that a manager denied it and that is that.

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 2018-10-23 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: OH

Complaint narrative:
For over year I been writing letters to capital one about someone else using my card. Thru private investigation I found who it was. I did not press criminal charges. But, the person has to fix her damaged with that being said.. I have sent all the info needed and my credit report is still showing charges on one of my cards. The charges are not mine. I paid this card off on XX/XX/2018

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I was notified through my credit app that there was a new collection account. I filed a dispute with all 3 credit bureaus and the information states this debt is valid increased the amount from {$2900.00} to {$3000.00}. Then on XX/XX/2018 I also sent a letter to the agency to validate this debt which I have not received a response to. I tried contacting them to verify if the letter was received but whenever I call the line disconnects. I received a electronic return receipt that this information was sent and received from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have a collection reporting from CCS XXXX, I saw on my report that I have a collection I went and paid it just so it would be resolved. I was unsure what the debt was so I have made several requests for them to tell me what it is for after paying the debt. I should not have paid it without but I was thinking it wouldn't effect me if I pay it immediately. Boy was I wrong and now they are completely ignoring me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: TN

Complaint narrative:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as o the civil liability and the remedy available to me (section 616 and 617) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.

Company response to consumer: Closed with explanation