vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been trying to open a new bank account for almost two years now. I keep getting denied. The issue happen in XXXX 2015 my bank account was compromise by a scammer. I reported the issue to bank of america. I wrote a handwritten letter and went to visit the bank in person also and made a report. I received my XXXX XXXX report and it says that bank of america reported me for fraud activity. So I assume that that 's the reason I cant get a bank account. Am not sure why they are blaming me for the incident. When I clearly reported it soon as it happen. So am trying to see how can I resolve this matter and get this remove so I can open up a bank account. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: PA

Complaint narrative:
XX/XX/2018 made a call to our mortgage company Pacific Union Financial regarding the increase in our monthly payment.  There was no communication to my husband and I that the current mortgage payment would be increased nor were we provide a letter with the option to either pay off the escrow shortage or roll into the current mortgage payment.   Pacific Union rolled in to the monthly payment which increased the monthly payment by $XXXX,  not a big deal however an explanation as to why would be appreciated.We reached out the lender to find out why the escrow shortage and why there was no communication. The two individuals we spoke to were not engaged in our issue nor did they seem the least bit concerned regarding our fustration.  The customer service was very poor and I felt like my husband and I were bothering them by even calling. When we made our XXXX payment Pacific Union referenced they were pending XXXX payment due to the increase. There was NO communication to this until I received my XXXX statement for XXXX payment.   When I called to speak to the Pacific Union I referenced we wanted to pay the shortage. They indicated it would be $XXXX which we paid so our credit was not affect as both my husband and I have excellent credit.  My concern is not one individual we spoke to at Pacific Union could explain why my escrow was short besides the fact my taxes for my property increased.  I did not receive any letter referencing any increase and when I followed up with my tax collector for our property it was indicated the taxes did not increase by $XXXX.   My complaint is I do not understand why our escrow would be short by $1,000 plus dollars when my monthly payment reflects escrow payment of roughly $600.  I want an explanation of the difference.  The issue is not the increase of the payment the issue is the lack of communication for the difference.   I asked to speak to a manager but was told the manager was unavailable to speak to me.  I am asking for a breakdown of the escrow to understand why the difference in the $XXXX.  I have read other complaints regarding Pacific Union and there seems to be a few regarding the lack of customer service as well as escrow account concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: NC

Complaint narrative:
In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company  name. This is a nationwide company I am speaking of. The company is XXXX formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Unable to connect to a third party application to review my spending habits and ways I can save money. App is called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My Identity was compromised because of the Equifax Breach. 
Charges were made to an existing account ( I closed it ), a new credit card was established ( I notified XXXX ), a XXXX Cellphone service was established ( I contacted XXXX immediately ), and my mailing address was moved via the United States Postal Service. 
" THEY '' have all my information including my Social Security information. 
THE USPS has yet to resume mail delivery or give me definitive answers as to when and if my mail was recovered/will resume. I notified them as soon as I received the notice from the USPS stating it had been moved on XXXX/XXXX/XXXX and the notice they sent me was XXXX/XXXX/XXXX. Equifax was supposed to freeze and place alerts on all three credit services. It does not appear that this was done. 
Equifax and the USPS has been a nightmare. No one gives you definitive answers and the USPS has  the fraudulent address and even though I contacted the Inspector General 's office, the local police where the mail is going ( I only know the town and state ) no one is acting upon it. The US Inspector 's office brushed it off and the local police has not returned SEVERAL calls and emails. 
EQUIFAX is the source and they are impossible to work with. I tried to find CORPORATE telephone numbers and it is impossible. 
It is too bad they DID NOT protect our information as well as they are PROTECTING THEIR CORPORATE EXECUTIVES contact information. 
This is a disgrace. Both the United States Postal Service and EQUIFAX needs to be held accountable and consumers need to know how destructive this breach is to a person. Please contact me and publish this email. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On Friday, XX/XX/XXXX, my brother called me stating that American Express had called him phishing for information, where i work, whats my work number. He told them he did n't know me after a long period of time. I called American Express two weeks ago to explain to them I would be out of work on XXXX XXXX  XXXX due to XXXX XXXX. They did n't want to help me although I have been a valued customer since XX/XX/XXXX. I have been making payments on my account but not what they want. 
If I do n't have the money to pay the bills in full or what they want what am I supposed to do? I pay what I can and that 's not good enough for them. 
If they have a problem with me, calling family members is not going to resolve this issue. 

I am getting in touch with the Attorney General 's office of Florida to report this abuse. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: HI

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC
State: UT

Complaint narrative:
This company is calling every morning between XXXX and XXXX from different numbers. I live in Utah. When I try to call i am sent to a voicemail that never allows me to leave a message or I call one of 10 different numbers they call from are then placed on hold and the. After 3-4 minutes disconnects me. Everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: DISCOVER BANK
State: MD

Complaint narrative:
Purchased merchandise from XXXX XXXX using Discover Card XX/XX/XXXX. XXXX records indicate delivery on XX/XX/XXXX. Merchandise was NEVER received. 
According to FCBA, I should not be charged for merchandise I did not receive. 
If XXXX did deliver the merchandise, then it must have been stolen, because I NEVER took possession of merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Currently I have a loan with Wells Fargo; I have asked many times to lower my interest rate since my ability to pay has gotten more reliable.I also asked my Dad to be removed as XXXX I have imposed a burden on him for far too long and I stand on my own 2 feet.  I am now married with XXXX kids and a house; my ability to pay  should not be in question.A lower fixed interest rate would help me and my family immensely.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 non-monetary relief
Consumer complaint received 2017-12-30 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: KY

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 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: UT

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: UT

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: U.S. BANCORP
State: IN

Complaint narrative:
US BANK AND XXXX ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. 

UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.

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 2017-12-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX AND EXPERIAN ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. 

UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.

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 2017-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
transunion reported 28 % credit usage and dropped ficos score from XXXX to XXXX, my credit usage is 12 %, i trans funds to my discover card at a special rate leaving XXXX balance, they added both together saying i owed XXXX when it is XXXX, this caused a denial of an account i applied for.

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 2017-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
Our mortgage moved from XXXX to BB & T, I had been a XXXX customer for 10 plus years, in those 10 years, we have not been late on any payments. Starting XXXX ( thru XXXX XXXX, BB & T has reported me late to the Credit bureaus although we have not been late. BB & T receives two payments for the mortgage ( one from me and the other from my mother in law ), it appears that one payment is always reversed and is not corrected til a later date ... I have contacted BB & T and they acknowledge that I have not been late and correct it in their system, however, when I asked for the Credit bureaus to be corrected, BB & T is not correcting the CB 's. My score has dropped over 75 points. I am trying to purchase a house and this has had extreme negative impact on my score. In addition, had I not been monitoring my credit as closely as I do, I would not have seen this issue and it would be too late for resolution. I have tried to work with BB & T as well as the credit bureaus ( submitted disputes ) with no corrections in my Credit Report. I need to have my credit report corrected to reflect that i have NOT been 30 days late.

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 2017-12-30 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-30 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: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Credence Resource Managment keeps sending me letters that I owe XXXX XXXX bill but i do not!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
On XXXX at XXXX I received an alert on my XXXX XXXX on the cell phone app for monitoring my credit daily and I got a notice that I have a COLLECTIONS EXCLUDING MEDICAL alert so then I click on the alert and read : 12 XXXX XXXX XXXX  and N/A for contact number and no account number reference and no date. On XXXX at XXXX I received a notice on my XXXX XXXX that I have one open account in collections XXXX and XXXX for the sum of {$890.00} for Midwest Recovery Systems XXXX I DO NOT HAVE ANY CASH ADVANCES AND I NEVER GOT ANY LETTER.

Company response to consumer: Closed with explanation