vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I am in a chapter XXXX bankruptcy and advised that my credit report should not be pulled by anyone other than home mortgage lenders that would need trustee approval. I do not know why this information was pulled

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: Credit Technologies, Inc.
State: MI

Complaint narrative:
I am in a chapter XXXX bankruptcy and advised that my credit report should not be pulled by anyone other than home mortgage lenders that would need trustee approval. I do not know why this information was pulled

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: DE

Complaint narrative:
Equifax is nearly impossible to deal with. Their staff are incompetent, I'd be better off asking the wall for help. For the past 5 months I have been dealing with an issue with Equifax. All I want to do is remove an inquiry that does not belong to me ( XXXX XXXX XXXX XXXX , XXXX ). I can't do this because there's a magnitude of things that happen when I try. The Equifax dispute page doesn't work. Whenever I file a dispute or go to view the status of a dispute, I get an error saying " Sorry for the inconvenience, currently service is unavailable. Please try again later. '' When that error doesn't occur, I get listed with questions that are completely irrelevant to me which causes Equifax to completely ban me from submitting/viewing disputes. These things only happen when the actual dispute page loads ( which is rare, multiple computers and connections ). And even when I did successfully dispute the fake inquiry, for 30 days Equifax spammed my email multiple times a day saying they were processing my request. The email listed a long number that has absolutely no use. Thanks for that, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XXXX I deposited 2 checks totaling {$900.00} into my corporate account at Bank of America. This was at the branch located at XXXX XXXX XXXX XXXX, XXXX, OR. 
I wanted to pay myself back some money that I had loaned the company, so I wrote myself a check for {$400.00} and wanted to cash it. 
I was asked by the teller if I had a personnel account at Bank of America. I told him that I did not, but was the signatory on the corporate account. He said that without having a personal bank account, that he had to charge me {$8.00} for cashing the check. I could withdraw {$400.00} cash for free, however. I said that I wrote a check in order to document my withdrawal from my corporate account. Nevertheless, he said that he would have to charge me. So I withdrew {$400.00} cash and left. 
If I write someone a check from my corporate account, that means that I want to give them some money that I'm holding at the Bank of America. The Bank of America is holding MY money. I don't care whether the person has a bank account there, I want them to have the full amount of the money I pay to them. Not everyone has a bank account, and they shouldn't have to. 

I believe that this {$8.00} fee is unfair to both my corporate account, and the person that the check was written to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I traded my vehicle in on late XXXX. I had an extended warranty through SunTrust. The dealership sent the check for the remaining warranty reimbursement to SunTrust in XXXX. I called SunTrust to inquire about my refund and they informed me since my loan was closed, they send the check back to the dealer and then the dealer will reimburse me. I contacted the dealer on XX/XX/XXXX for a status and they informed me SunTrust cashed the check on XXXX in the amount of {$580.00}. I called SunTrust Loan servicing and they informed me the check was sent to dealers services and the man on the phone could not help me. He sent me to SunTrust Dealer Services and the man that answered the phone told me they only talk to dealers. I explained the situation and he said he will get is supervisor on the phone. He transferred me to a number that does not exist and I was cut off. I called back and a woman answered. I explained the situation again and she gave the supervisors direct number and said she would transfer. Again I was cut off. I tried call in the supervisors direct number and it is a number that is not in service.

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 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
As customer of Wells Fargo bank and trusting this institution in XX/XX/XXXX I authorized the internal revenue service to deposit my tax refund XX/XX/XXXX at the above bank but the bank denied the payment of my refund under allegation of my refund not being deposited by the IRS. I insisted but I was unsuccessful of my claims. before the negative of the bank I desisted and the bank never paid the amount of {$6000.00}. of my tax refund XX/XX/XXXX. the bank did not paid me the refund for the year ending XX/XX/XXXX, XX/XX/XXXX for {$4800.00} for {$4900.00} for {$3200.00}, XX/XX/XXXX for $ XXXX,XX/XX/XXXXfor {$4300.00} this last was deposit by the IRS in XX/XX/XXXX the amount of the payment to Wells Fargo Bank was written on the bank statement but not considered in the balance because the next day, XX/XX/XXXX the bank posted an unauthorized charge of {$5000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX Reported incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: IN

Complaint narrative:
I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX is reporting an open date of XX/XX/XXXX for this account however Transunion is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent {$72.00} to a collection agency because of a transfer to service within their company without even calling me about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I have been receiving 6+ collection calls a day from Barclays . I did make a payment earlier this month and it stopped for a short time but a few days ago they started up again. Calls are happening anywhere from XXXX XXXX  to XXXX XXXX 7 days a week. From mid XX/XX/XXXX until early XX/XX/XXXXI logged almost 200 phone calls from them. No voicemails are left just repeated calls all day long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I requested a copy of my payoff loan amount, when I received it I noticed that there is discrepancy between my loan balance and the payoff amount. So onXX/XX/XXXX I talked to the Mr. Cooper 's representative about this issue, after long conversation he could not provide me any document, or convincing explanation of the extra amount of the loan payoff, he just said that this our expense amount. For your information, on year XXXX I lost my job, therefore I could't pay my mortgage payments, for my house, to XXXX XXXX , then government provided the Home Affordable Modification Program, so I applied to this program and I got qualified for it, now after nine years of paying my payments on time, for help of my family members I want to payoff this loan, but in the loan modification contract there is no mention of this expense amount of {$36000.00} dollars, that Mr. Cooper call is it, " Lender Paid Expenses ''. During my loan adjustment XXXX XXXX told me that if I don't default on my payments, there will be no penalty. Also this loan has changed few hands since it's adjustment, and now Mr. Cooper owns the loan, but they are not given me any adequate explanation or any evidence of where in our contract there is mention of this expenses. My request from Consumer Financial protection Agency is that, to help me to find out why should I pay this enormous amount for the servicer of this loan, I thought government helped us not to foreclose our houses, which could cost them to loose more money. Please let me know if you need more information from me. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
These inquires on my report weren't initiated by me. Customer service would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
These inquires on my report weren't initiated by me. Customer service would not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: CA

Complaint narrative:
I had a credit card taken out in my name with XXXX XXXX. I notified them I did not request this credit card ( which had already been used to buy {$6800.00} at a jewelry store in XXXX  FL ). They cancelled the card, and suggested I check with the credit reporting agencies. 
I saw the mistaken card on my Equifax report. I filed a dispute with them. I received an email saying my dispute has been resolved and giving me a confirmation # of XXXX. This was three weeks ago. Every time I try to log in to see the results, it says " This service temporarily unavailable, please try later ''. I have tried dozens of times. 
I called the customer service number XXXX. I give them my information and they tell me they can not verify my identity from my answers to the " security questions '', despite the fact that I answer them absolutely correctly. I have done this 4 times, always someone in the XXXX .... They end up telling me I need to send a letter to Equifax with copies of my email, passport, birth certificate and social security card. But they can't/wo n't give me an address. This is ridiculous! 
I'm the one who had my identity stolen, and this companies website, online chat assistance, and telephone customer service are all ineffectual. 
I have sent emails to Corporate complaining but have received no response. 
Meanwhile, they keep sending emails asking why I haven't checked the result of my dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: NY

Complaint narrative:
Identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
We closed our new construction with XXXX XXXX XXXX in XX/XX/XXXX. The escrows for taxes were based on our appraisal of XXXX until our County did their property assessment. The taxes they escrowed were XXXX XXXX XXXX / XXXX x XXXX ). In XXXX of XXXX, I confirmed that XXXX County had assessed our property at XXXX. This would bring my property taxes to XXXX per year. Since our County taxes are due semi annually, our bills are XXXX due XX/XX/XXXX and XXXX due XX/XX/XXXX. I contacted XXXX XXXX and explained the situation. They requested a copy of the real estate tax bill. I sent it in only to be told that an escrow analysis would not be done until XX/XX/XXXX. 
In XXXX of XXXX, I contacted a representative and explained that my escrows were showing XXXX on XXXX and XXXX on XXXX, which was incorrect. She asked that I send in yet another real estate bill for proof that my taxes were, in fact, XXXX and XXXX. I sent in the invoice and was told that an order was opened and to check back on XX/XX/XXXX. In the meantime, I kept checking my account and within XXXX hours, my taxes were corrected in the system to reflect XXXX due XXXX and XXXX due XX/XX/XXXX. They had cut us an overage check in the amount of XXXX leaving a balance of XXXX in our escrow account. As far as the amount being withheld every month, they still reflected the incorrect amount of XXXX which is well above the required XX/XX/XXXX. The correct amount should be XXXX. 
On XX/XX/XXXX, I checked my account and they had changed the taxes, again. It was now reflecting a XXXX payment of XXXX and a XXXX payment of XXXX. I contacted them via email and stated that the taxes were incorrect. I also questioned why there was a balance of XXXX in our escrow account. This amount was well above the required XXXX escrow cushion. I sent in yet another copy of my tax bill and explained that if it was not corrected, I would file a complaint. They explained that an order was opened and it may take time. It is extremely frustrating. I am unsure as to why they can not get not only my taxes correct when I have sent them in 3 invoices as proof and why they can't properly calculate 1/12 of my total homeowners and property tax. Furthermore, I am unsure as to why they are holding more then 1/6 of total for cushion. I have attached my XXXX County Taxes and all correspondence between XXXX XXXX and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My father is a co-signer on my private loan Navient told me that I have to make a payment of XXXX for 12 months straight to get him released off my loan when my 12 month was up I was waiting for Navient to take the money out of my account my payment due date came and no payment was withdrawin from my account so I contacted them and they told me that my payment is delinquent and that I now owe them XXXX and now that my last Payment is late my father has to stay on my loan another year because I didnt have a year worth of payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
These inquires on my report weren't initiated by me. Customer service would not help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I purchased a cashier 's check that was not used for it's intended purpose. Instead of redepositing the check in my account they plan to reissue the check even though I did not give them permission and I have a negative balance at Bank of America. They refuse all transactions concerning my account. But somehow they feel that they have the power to reissue a cashier 's check.

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 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
I continue to get an automated phone call from American Medical Collection Agency from a local phone number, not a phone number listed on the company 's web site. I take the call and listed to the voice prompts ( XXXX accent ) to get to a live person ( XXXX  accent ). I let the caller know that I have never done business with their company and wish to be removed from automated calls. The person insists that they will remove my phone number and later the same day or following day I get another automated call. I tell the new person calling the same information given previously that I have never done business with their company and wish to be removed from automated calls. I've already performed this same process several times over the past two ( 2 ) weeks with no change. My cellphone call log shows with the phone number listed " Scam Likely '' : 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 2 calls XX/XX/XXXX, 1 call XX/XX/XXXX, 2 calls XX/XX/XXXX, 4 calls XX/XX/XXXX 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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
I gave XXXX two check with her both cashed and merchant received the money from my bank account yet Certegy check services states check were still unpaid. I have attach copy of paid transaction from my bank showing checks were paid to merchant.

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