vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-13 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: NY

Complaint narrative:
I was hit randomly with 2 hard pulls from XXXX  XXXX On XX/XX/2019, XX/XX/2019. I never applied for anything with there bank or signed anything with there bank. I have explained to them this is fraud and that they were going to look into it. Under the fair credit act the 30 days has been up. I was told from talking to customer reps that since I did not approve my credit to be pulled that this must come off my credit file to all the credit agencies reporting. Since this is fraud. I am looking for someone to please help the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Afternoon I want to see if I have a case against Wells Fargo pertaining to my mortgage. I have paid an escrow shortage for the past 3 years and they have still went up on my mortgage I recently just paid {$710.00} on top of my new mortgage {$3400.00} new rate. Im on a Fix rate at 3.5 %, I completly understand living in XXXX. County and taxes are the terrible but I have always been upfront with Wells Fargo and asked for them to provide the shortage amount due to the increase of the taxes so i can pay and maintain the same dollar amount of my mortgage. Each time I have written a check they have went up on my mortgage after thier analysis. 

My mortgage went from {$3300.00} to {$3300.00} to {$3400.00}. All 3 years I have paid the shortage also this year I paid {$710.00} for the shortage and they still went up. 

At this rate Im scared to lose my house because they keep lying to me stating pay the shortage and your mortgage will stay the same. 

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 explanation
Consumer complaint received 2019-05-13 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
To whom it may concern, I am writing to have an incorrectly reported late payment removed from my credit history. The creditor, GM Financial, states they have attempted to remove it and are unsure why it is still appearing on my reports. 
The following is a summary of events for the account in question : XX/XX/XXXX : 39 month lease signed XX/XX/XXXX XX/XX/XXXX : Payments made on time using autopay XX/XX/XXXX : Called GM Financial and explained I purchased a new truck and would like to pay off and turn in the lease early, they walked me through it online, the remaining payments to the end of the 39 month lease were paid in full and the truck was turned in to the local GMC dealer, XXXX XXXX. 
XXXX XX/XX/XXXX : I received a credit alert stating my score had dropped. Upon investigation it was the GM lease stating I was over 30 days late. I could not call because they were closed on weekends. 
XXXX XX/XX/XXXX : I called GM Financial and they stated I had never turned in my truck, therefore I was still being charged. I explained the truck was turned in last XXXX, they requested that XXXX XXXX, the dealership, send them proof of the turn-in. XXXX XXXX faxed copies of the turn-in to GM Financial the same day. I called GM Financial back and they stated the documents were received and that they would request a correction to my credit history to the reporting bureaus but that it may take a few weeks to correct. 
XXXX XX/XX/XXXX : Credit reports still show a late payment on my credit history. I called GM Financial back and they stated they would again request a correction to my credit history. 
XXXX XX/XX/XXXX : Credit reports still show late payment on my credit history. I again called GM Financial. The representative stated she would send me a letter showing my account was closed in good standing and with a perfect payment history that I could send to the credit reporting bureaus to have my credit history restored. 
Supporting documentation from GM Financial is attached where they state my account had zero late payments. Additional documentation is also attached from XXXX XXXX, the GMC dealer I turned my truck into showing I turned it in in XX/XX/XXXX. 

Thank you for the help,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank/WalMart charged off my account and I paid the account in full. They are still reporting on my credit that they charged off {$1200.00} after I have disputed it and paid the balance in full.

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 2019-05-13 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: FL

Complaint narrative:
i was victim of identity theft, somebody stole my personal information to open credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I have repeadedly asked Portfolio Recoveries to stop calling me on my cell phone number and to stop contacting me by phone altogether. I've requested it over the phone and I've also requested it in writing numerous times. This is a blatant violation of the TCPA and this company isn't held accountable for breaking the law. They have called me over 40 times since I requested they stop calling and it's from an automated system. 

I've also disputed and requested validation on the debt they claim I owe, they have failed to show proof and comply with the FDCPA. 

Written Requests to Stop Calling : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calls have not stopped and they call from different numbers to try and trick you and tie up my work phone so I'm not able to work ... 

Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + about 20 different numbers. All listed as Portfolio Recovery Associates I'm also on the Federal Do Not Call List!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Original complaint # XXXX XX/XX/XXXX I purchased a vehicle using XXXX XXXX XXXX XXXX as the loan provider. I made every payment ; occasionally a week or 2 late. However, payments were always made. I had a payment not clear because they cashed the check before the payment was due and the check was dated for, however they continued to cash my checks afterwards. XX/XX/XXXX, a repo man showed up at my job to take possession of my car. I contacted XXXX XXXX XXXX XXXX because I could see on my bank account that they had received my payment. they advised they were not going to cash the check and wanted cash for the current payment, the next month 's as well as the fee for the repossession. As I was in XXXX and XXXX XXXX XXXX is in XXXX, the time difference didn't allow for me to get to the bank for the cash as it was already past XXXX est. I had no choice but to let the repossession to happen. On my credit report they show my account current until after XX/XX/XXXX at which point I no longer had the vehicle. I received notification they were outing the car up for auction, however I never received any paperwork after the sale of the car. They charged off {$9500.00} for what I can only assume is the amount they sold the vehicle for. I initially financed {$12000.00}, making 7 months of payments of $ XXXX. I have contacted XXXX XXXX XXXX on multiple occasions to request proof of sale at the auction. they have refused to provide me the requested information or allow me to speak to the person who can provide me the information. 

If the initial loan was {$12000.00} and they sold the vehicle for {$9500.00} at the very least my balance should be {$3200.00} ; however the payments I've made should be factored in the balance as well. 

I've attached the credit report ; item 1 is the account information that you apparently could not find previously. I have also contacted my cell phone provider to obtain a list of the calls I've made. I will send as soon as I receive.

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 2019-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting on a debt that is not mine and I do not owe. I have never opened this account. It is not mine, and I have never had any accounts with them. Not only is this debt a fraud account, it is also past the statute of limitation and needs to be removed off of my credit file.

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 2019-05-13 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I went on line XXXX to receive my free annual credit report from XXXX, and was told that my report was not available at his time and to check back at a later time. I then went on line to the three other reporting agency and my report would not come up on my computer screen, even after opening accounts.I'am in XXXX on XXXX XXXX, do you think that could be the problem. I'am trying to change bank accounts, and having a hard time for some reson. That is way I need a copy of my credit report, to check for problems on my report. I have not have any credit activvity on my report for over the last XXXX to XXXX years. Any help would be greatly appreciates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13 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: U.S. BANCORP
State: CA

Complaint narrative:
Elan Financial is reporting on a debt that is not mine and I do not owe. I have never opened this account. It is not mine, and I have never had any accounts with them. Not only is this debt a fraud account, it is also past the statute of limitation and needs to be removed off of my credit file.

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 2019-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am located in California and have a line of credit with PNC. I have not had a balance on this line of credit for quite some time. We are selling our home and needed to obtain a pay off demand from PNC to close on our home. PNC has not sent us any statements so we did not have the current account number. Called them and they verified who I was through their three step verification process. Initially spoke with XXXX who said she could not provide any information because I could not verify the most recent credit limit. Escalated up to XXXX XXXX who was able to verify who I was. Issue is that he said they are unable to provide me with my loan number to order the payoff nor can they email or fax me a statement because I am not located in their " footprint ''. He said the only way they could do this is to have me go to one of their branches that is out of state or I will have to wait 5 to 7 business days from them to mail me the information via standard US mail. I explained that if this process takes too long I will not be able to close my home on time. Are they sure there is no other way to accommodate a customer outside of their bank footprint. He said no. This is concerning. If a bank is doing business here in California they should have policies in place to accommodate their customers just like they could the ones within their bank footprint. Almost sounds like disparate treatment!! This will not be a huge issue for me as long as I can obtain my pay off in two weeks but for other customers outside their bank foot print this could be an issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
This account from Santander Consumer USA is not my financial obligation and is hurting my credit score. I filed a dispute with XXXX, XXXX and XXXX  on XX/XX/2019 and to no avail this derogatory account is still listed on my credit report. I have not heard from any agency in response to the accounts validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received a text message about an hour ago to login to my Citibank account. 

Logged into Citibank and found that I had a 50 day old bill due for an annual fee of {$95.00} for a card I don't use anymore - didn't receive any calls, other texts, or emails related to this. 

Called Citibank twice to get a CSR ( likely from a call center in XXXX ) and I told him that I never received these statements - looked in Spam folder, and all Citibank emails were being sent to Spam folder. I told him that I wanted to cancel my card because I didn't want to pay the {$95.00} annual fee since I no longer use this card. He processes the cancellation and then says I am still on the line for the {$95.00} ; however, it will be prorated. I ask him how much it will be, but he said he couldn't tell me because the system generates this. I ask to speak with his manager, I wait 5 minutes, and he says the there isn't one available and hangs up on me. 

I call Citibank again and speak to someone who sounds like they're based in the states. The CSR tells me immediately she'll try to get ahold of someone who can resolve this and tell me how much I owe. I want 25 minutes for her to find someone ( one of them was a colleague, again based out of XXXX, who said he can not help because this is a Business account ). She finally patches me through to someone in Customer Service who says since I'm outside of the 60-day window, I have to pay the entire {$95.00} as the system will not allow a credit and that they got rid of pro-rating annual fees entirely some time ago.

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 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had a consumer cellular phone they claim I owe them money which records show I paid in full but the reported it to the credit report a collection I paid the account in full again see attachment but it still on the report as unpaid I have sent proof over and it was paid including a letter from consumer stating its paid in full, also proof the XXXX XXXX is paid in full but still not up dated on the three crediting reporting

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 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it might concern, I have a case issue with Wells Fargo Bank, Home Mortgage Department.

I declined the mortgage ( This is not the case ). While applying, I paid for appraisal services, and I ask the bank to transfer the appraisal to the new lender. Bank official refused to transfer it at the first place. I attempted to request this transfer from more senior people. I was provided with 2 lines of the letter ( attached ), no signature, no sign from whom, nor the indication and confirmation regarding compliance with AIR ; the letter was obviously declined by the new lender.

Once I asked Wells Fargo to provide the required letter, this stands thy follow AIR rules and regulations. They officially refused to do this. It means they are not in compliance with Appraisal Independence requirements, so appraisal report they ordered is not in compliance with Appraisal Independence Requirements. So I waster my money on the useless paper, which could neo be used by any lender and by the bank itself.

This is the report I paid for, and at this moment I do not have time to do another appraisal.

Please advise how do I make them comply with this the law. I get his transfer letter.

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 2019-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
( Please Note : While this transaction occurred several years ago, I was apprised of the truth within the last three months. ) In order to prevent the foreclosure of my home in 2011, a family member secured the {$12000.00} to be paid towards the mortgage loan, as communicated by a Wells Fargo loan officer, and went to a local branch for processing. However, what was later revealed ( and corroborated ) was that most or possibly all of the funds were only applied to the lender 's attorneys ' fees, and Wells Fargo went ahead with their foreclosure regardless.

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 2019-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: WA

Complaint narrative:
To whom it may concern, I received notification of a debt from a debt collector in XXXX. The original collector was XXXX XXXX  XXXX in XXXX WA. I never used services from XXXX XXXX XXXX and took almost six months resolving this issue and getting this removed from my credit report. In XXXX this appeared on my credit report again, this time from a different debt collector named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX. 
I attempted to resolve this fraudulent account with XXXX XXXX XXXX and was treated rudely every time I contacted this company. My written correspondence to this company was ignored and as a final attempt I am reaching out to CFPB to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NCB Management Services Inc.
State: IN

Complaint narrative:
I placed a call to NCB Management Services Incorporated on XX/XX/2019 and left a message with specific instructions to contact me on my cell phone. The cell phone number was given twice during the call. Despite the fact that I had left specific instructions regarding my callback number, NCB contacted my employer because the company representative said he " called the number that was on caller ID. '' Since specific instructions were left in my voicemail message, NCB had no right to call a number that appeared on caller ID. They had no way of knowing whose telephone number that was especially since the voicemail message that was left specifically designated the telephone number NCB was to contact regarding this debt. NCB has been particularly difficult to deal with. When I contacted them regarding specific language for reporting the debt as " paid as agreed per settlement, '' they became abrasive and stated that they were not responsible for reporting to the credit reporting agencies and that the language that appeared on credit reports was the responsibility of the original creditor. NCB is collecting a debt on behalf of a creditor, or perhaps even bought this debt, to say that they have no control over what is being reported is a falsehood. NCB has also failed to accurately account for all sums paid to them through settlement negotiations.

Company response to consumer: Closed with explanation