vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: OK

Complaint narrative:
On XX/XX/2019 I called PenFed Credit Union to submit an application for home loan. The call was answered by XXXX XXXX who asked me a series of questions and quickly determined I was pre-qualified for a loan. He proceeded to set up a portal for me to forward information and sign papers to continue the process. So far, so good. On XX/XX/2019 I was contacted by XXXX XXXX Identifying himself as my mortgage processor and he emailed a preliminary list of items needed to continue the process advising me to have them sent in 48 hours. Once received he stated, he would review with his underwriting partners. He went on to say once that review is completed, he would know the requirements needed get the loan in for final review with his underwriting partners and off to closing. One item on the list was my tax returns which I downloaded and forwarded on XXXX XXXX and was confirmed to have been received in the portal.The remaining items,17 pages, where scanned and emailed to XXXX at XXXX CST on XXXX XXXX from the XXXX  XXXX service desk in XXXX Mo XXXX Now hear this, I would NEVER hear from XXXX XXXX again!! Despite numerous unanswered phone messages and numerous unanswered emails trying to get an update on the process, I never got one response. At the same time, again on numerous occasions, I began calling and emailing XXXX XXXX trying to get answers but to no avail. Again, many calls and emails with XXXX have gone unanswered.On one contact with him on XXXX XXXX, I stated my case and I was told " I will look into it sir. '' Then, after XXXX instructed to resend the 17 pages, I responded by both emailing and faxing the same to BOTH XXXX and XXXX on XXXX XXXX. Never got a response. Furthermore, in the correspondence email from XXXX, the name of XXXX XXXX, XXXX was given as the person to contact with concerns. I called and left 3 messages on her voice mail that were never returned. Can you believe it? After 2 months I am no further ahead obtaining a loan than I was on XX/XX/XXXX and after XX/XX/2019, the last day I had a communique with XXXX XXXX, I was dropped like a rock. No closing date, no money, no communication. Period. End of my story.

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 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2019 I paid {$140.00} for a product that I was scammed for, and I submitted a claim with Chase bank. The customer service representative stated that once the transaction was no longer pending and the funds sent through that the transaction would be reversed and I would get my {$140.00} back, which I did about 3 days later. 

On XX/XX/2019 I saw on my statement that my claim had been reversed and Chase took the money back from me. I got no warning, no email and no letter telling me this was going to happen or anything, they simply just took the money, luckily I check my statement monthly. 

I called Chase tonight XX/XX/2019 to see what the transaction meant and they stated they reversed my claim and took the money back because they were unsuccessful with Visa my debit card company. 

I find this is bad business not only not warning me of this claim reversal at all but to refund my money and then take it back a month later. I called and talked to numerous people trying to just appeal the reversal and nobody seemed like they even cared to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: NV

Complaint narrative:
There are creditors listed on my credit report that aren't mine.

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 2019-12-21 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: NV

Complaint narrative:
There are creditors listed on my credit report that aren't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are creditors on my report that aren't mine. Please remove them.

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 2019-12-21 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: NV

Complaint narrative:
There are creditors on my report that aren't mine. Please remove them.

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 2019-12-21 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: NV

Complaint narrative:
There are creditors on my report that aren't mine. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
On XX/XX/2019 I applied for a payday loan with Ameri cash loans. I was not informed of the interest rate this loan would have. I was also given the option of how much I wanted the loan to be. I agreed to take out the loan for {$800.00} and the rep allowed me too after sending over supporting documents such as : my 2 most recent pay statements, photo ID and signing contracts over the phone. According to the Illinois Department of Financial & Professional Regulation consumers should not be able to borrow 25 % of your gross monthly income. At the time my monthly income was XXXX was meant the maximum amount I should have been eligible for would have been {$720.00}. Because of this I feel this lender is guilty of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

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 2019-12-21 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

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 2019-12-21 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: MD

Complaint narrative:
This is my 3rd time complaining about Fraud with my information. My information is being used, attempting credit lines and loans. XX/XX/XXXX and inquiry from XXXX XXXX notified me that and inquiry was made. I took legal action, I have filed a police report pursuing charges for Fraud. Ive tried to report this fraudulent actions since XXXX. When I found out, my information has been compromised since XXXX. A response saying that 7 inquires has been deleted, but as of today.. it remains there. The inquires : XXXX   XXXX/XXXX, XXXX XX/XX/XXXX in my XXXX. XXXX  XX/XX/XXXX in my XXXX & XXXX XX/XX/XXXX & XXXX XX/XX/XXXX are still on my credit report. My information has been compromised since XXXX and still being used. Im putting a lock on my Social Securty #. I also took action and filed a police report for identity fraud. There are 23 inquiries on my credit report that I have NO RECOLLECTION of and know nothing about how there got there. 
XXXX  : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. Equifax : XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. When I found out that my information was just used on the XXXX of XX/XX/XXXX I filed a police report XX/XX/XXXX with The XXXX Countys Police Department. Officer XXXX badge # XXXX Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citi Credit Card to dispute three transactions that were charged to my Citi Card. My wife is an authorized user on my card and used her card to purchase something in XXXX. The transaction was for {$660.00}. The transaction did not go thru and due to that the merchant tried two more times for a total of three times for the same amount. All three times the merchant said it was declined so my wife gave a local card and the transaction went thru. I have the receipt that shows that I used a local XXXX card ( XXXX Debit Card  ) to pay for the merchandise. 
After returning to United States, I filed a claim for the three charges. I was told to send in docs that show that I paid for the merchandize with a different card, which I did. I waited to find out their result. They contacted me a few days after to tell me that I needed to show proof that I got charged three times on their card because their fraud department does not have access to their own card records. I provided that along with all the evidence again and a letter to tell them exactly what happened. 
Citi still decided to settle the charges in the favor of the merchant even though there is plenty of evidence that the merchant was paid in a different way. 
I would like to file a complaint against Citi and its fraud department. They are not being an advocate of the client and not doing their due diligence to stop fraud on their customers. I would like to get my three charges reversed and Citi to have better training in their fraud department to avoid this type of poor client experience.

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 2019-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I dispute that my account was ever 30 days past due. While there is record of late payment on my account, all my payments were made before 30 days from the prior due date. I know this because i have bank records as well as a record of all my payments. As well as contact with the financial institution several times during the months of which they claim I was late and they have the recorded calls and it was never at any time mentioned to me that my account was 30 days past due. I know this because they would have reported this late status to the credit bureaus, which they never did until it was time to close my account, that of which I had already paid in full on the principal balance and it was only fees that remained. They have reported various dates of 30 days late in XXXX on one report, XXXX on another, and just for the account in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: MO

Complaint narrative:
TransUnion, XXXX and XXXX are not giving my Credit Score when request to do so. I applied for Car loan and I received letter of rejection stating my Credit Score wasn't available. I want an investigation into all three Credit Reporting Agencies. I feel I am Being Discriminated against because I am XXXX American.

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 2019-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: MO

Complaint narrative:
XXXX, Exquifax and XXXX  are not giving my Credit Score when request to do so. I applied for Car loan and I received letter of rejection stating my Credit Score wasn't available. I want an investigation into all three Credit Reporting Agencies. I feel I am Being Discriminated against because I am XXXX American.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today at XXXX, XXXX 2019 at XXXX I sent {$100.00} through my Wells Fargo app ( XXXX thats on the Wells Fargo app specifically ) to a person. I realized too late about the XXXX XXXX it does not assist with fraudulent and repayments. I am very devastated due to that and wish for some assistance to receive that back.

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 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
I mailed in a check for {$100.00} to be deposited into my account on Tuesday and on Saturday the check has not hit my account. 


Also I deposited a {$600.00} money order on XX/XX/2019 and this check did not hit my account until XX/XX/2019 this caused {$140.00} over draft fees Why is this taking so 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 2019-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
in 2017 I paid directly the merchant XXXX XXXX XXXX a balance due off {$100.00} a which point closing the account with this merchant. Nevertheless to my big surprise I see a collection listing on my credit report from an agency called " ERC '' claiming the paid balance of {$100.00} on XXXX XXXX XXXX 's behave. 
At which point I contacted them with the proof ( receipt ) that this account was paid to XXXX XXXX XXXX and asking them to remove their reporting from my credit report. But to this point their still refuse to do so. I filed investigation request transunion and the inaccurate information have not been deleted. Therefore deliberately hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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