vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I called XXXX to have a credit freeze lifted on my account. While all other credit report companies were able to complete this with no issue, XXXX told me it would be a XXXX dollar charge and that they would not do this for me indefinitely. They wanted an " end date '' so that the next time I needed a credit inquiry I would have to pay them an additional {$5.00}. They then without my consent charged me an additional {$39.00} for a credit report package that I never agreed to and did not want or need. When I saw the charge hit my bank statement, I called them and they refused to refund me the {$39.00}, citing that I had agreed to a " verbal contract '' for the charge. When I asked them to read me the " verbal contract '' I agreed to, they refused. They also refused to investigate the recorded phone call I initially had to see if I had in fact agreed to anything at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am trying to view my experian credit report online for the last 2 days now to dispute wrong information reporting. Experian will not allow me on the website to submit the disputes.

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 2017-04-15 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
In XX/XX/XXXX I opened a HELOC with Citizens Bank NA. As I went through the renovation process on my house, I ended up refinancing this HELOC several times, all with great dealings and interactions with Citizens Bank.I was on autopay and never ( even to date XX/XX/XXXX had a late payment on HELOC account. 

One day in XX/XX/XXXX, I received a letter in the mail stating that my account was 90 days past due! Highly confused, I called Citizens Goldmember Services, and stated that this was impossible, as I was on autopay. After some digging, I learned that during my original closing ( XX/XX/XXXX ), They had opened a second line of credit for me that I was unaware of. I assumed one of the papers slipped into the closing documents was an authorization form to open this, but it was never brought to my attention, and I have yet to see a copy of this form. 

After some further digging we discovered that one of my accounts has become overdrafted, and pulled from this second credit line. With no autopay in place, it was not payed back automatically. Further I was never contacted either by phone, nor by mail about this overdraft, until the 90 day late notice. I concluded this call by paying the late fees and balance, and setting up an autopay on this credit line, but I felt sick to my stomach as I had never in my life been 90 days late on any credit account. This has obviously had a huge impact on my XXXX. 

As I began preparing to purchase an investment property last fall ( XX/XX/XXXX ), I decided to call Citizens Bank. After several phone calls and several letters they have refused to acknowledge their poor business practices in the closing of the original HELOC, and they have also refused to notate or remove the derogatory 90 day indicator on my credit report. I want the CFPB to be away of this case, and would be happy to answer any questions or clarify any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have Bank of America as my bank I had deposited a check for {$1800.00} on XX/XX/XXXX they held the total amount until XX/XX/XXXX til XXXX to make sure the check was good the funds were released so I transferred {$1000.00} from savings to checking & paid some bills.My social security was deposited XX/XX/XXXX I paid my bills and withdrew XXXX on Sunday XXXX that was my first transaction.After I paid my bills from SS the check cleared Monday XX/XX/XXXX after transferring XXXX and paid some bills I check my account several times a day to track my balance I saw were my accounts went negative I immediately called the bank they said the check was fraudulent that they recovered {$870.00} now my account is severely overdrawn on savings & checking.They held the check for 5days to make sure it was good now they switched all the account transactions around saying it was released the same day as I deposited it that is not true.It was held 5 days so they can protect me from fraud and they did n't at all so instead of going after the company that frauded us they blame me and switched the account around.I have fraud protection now they do n't want to honor it the bank is committed fraud themselves now instead of BOA protecting me I have to pay all the fraud charges that are accruing every day! They failed to protect my account and me from fraud

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 2017-04-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XX/XX/2017 I put in a request to have my XX/XX/2017 and XX/XX/2017 payments Deferred to end of loan. The individual I spoke to at that time had agreed to email me over the form I need to fill out in order to get that in place and XXXX hours to send out and I can email it back in to make sure it was received on time so it would n't be marked late. I waited and never received the email. So I called back and another person said they would resend again.Still never got email. On XX/XX/2017 I spoke with another gentleman and he figured out the reason it did n't go through was because no password was assigned when they sent it out which there system would not actually send it. I stayed on phone with him over XXXX mins to allow him to fix issue and email me. He advised me on the call that I could email it for faster service and upon processing it if it were late they would adjust late off credit report. I filled it out and emailed it back right away when I received it. I got a call 2 days letter saying they did n't receive my email to go ahead and fax it and upon receiving the fax they would fix issue and adjust the late on credit report. I faxed and emailed again right then and there. Now that it is reflecting late on my credit report they are now telling me it 's my fault and they will not be removing late. How is it my fault when I called with plenty of time for deferment to be processed representatives just did n't do their job correctly the first 2 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX years old, XXXX. resident charged {$10.00} fee by Equifax to temporarily lift security freeze. 
Phone conversation on XX/XX/2017 with Equifax Security Freeze Department ( to which I was directed to contact by Equifax Customer Service ) was UNABLE ( or Unwilling ) to resolve the {$10.00} charge to my credit card for my request on XX/XX/2017 to temporarily lift a freeze on my account. Security Freeze Department could not even find my case number - which I had received from Equifax Customer Service. Directed by Equifax Security Freeze Department to either send fax or snail mail request ( including copy of my bank credit card statement showing the {$10.00} charge ) and then wait another 10 to 14 days for response ( OR Approximately ONE Month from being charged the {$10.00} fee ) and MAYBE get my {$10.00} -- which should never had been charged -- back. This was even after providing ALL the personal information requested in emails AND during phone conversation and noting the other XXXX credit bureaus did NOT charge me a fee. 
Snail mail being sent includes information below I had provided to Equifax on XX/XX/XXXX : " I just temporarily lifted the credit freeze and was charged the {$10.00} fee ( even though I 'm over XXXX and from the state of XXXX. ) Pennsylvania ( security freeze rights established by Pa. Act No. 163, Section 9 Fees b2 ) Fees : No fees for identity theft victims or seniors aged XXXX and older. All others pay {$10.00} to place the freeze or to lift it temporarily. No fee to remove the freeze. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , Pa. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I XXXX XXXX Have a loan with Bank of America. I sent my modification information, first in XX/XX/XXXX, then again in XX/XX/2017. As of XX/XX/2017 I have yet to be assigned a case manager to my case. I am auto to loose my home and no-one cares. They have given me the run around for three months and everyone I call, they tell me they will escalate the issue. Please help!!!

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 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I made a deposit on my account on XX/XX/2017 via the mobile APP. During the process, it stated that the funds would be made available on XX/XX/2017. I made a payment on another credit card to pay it off to prevent finance charges from accruing using the funds on XX/XX/2017 thinking it was enough time for the funds to process since the app promised it would be available the day prior. When I checked the bank account today XX/XX/2017, Wells Fargo still had the funds pending but not available and returned the payment to my creditor. This not only caused my Wells Fargo account to be overdrawn, but also caused issues with my credit card since now it has a returned payment on it with a balance. After speaking with Wells Fargo twice, they advised that they received an indication from the bank that the funds may not be available causing them to hold the funds for additional days. I called the other bank who issued the check and they advised me that they do n't have anything on their end that showed any issues with the funds and that the funds are there for Wells Fargo. I called back Wells Fargo again and advised them the situation again with the extra information from the previous bank. Once again, an agent ( XXXX ) and a supervisor ( XXXX ) told me that they received an indication that caused them to put an extended hold on the funds.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act and the Bankruptcy Laws state that bankruptcies ca n't remain on a credit report for longer than 7 or 10 years, whichever is the case. By the language of the Laws, it does n't state the bankruptcies Must Or Has To stay on a credit report for a certain period of time. Personally, I believe the credit bureaus keep bankruptcies on credit reports for as long as the law allows them. In my opinion, credit bureaus do this because they are in this together with financial institutions. The lower the credit score, the higher the interest rates banks can charge. Again, the law does n't say that bankruptcies Must remain on credit reports for 7 or 10 years. I 'm requesting that my XX/XX/XXXX, Chapter XXXX, be removed from my credit report. Also, I 'm requesting, that my XX/XX/XXXX Chapter XXXX bankruptcy be removed from my credit report. The Chapter 13 is over 9 years old and the Chapter XXXX is over XXXX years old. Both bankruptcies were the results of a terrible divorce that left me in heavy debt. By law, Equifax can and should remove these items. I 've suffered enough in my opinion. If Equifax chooses not to remove these items immediately, I 'm requesting in writing for the reason. Section 605 ( 1 ) Cases under title 11 ( United States Code ) or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. In other words, the credit bureaus ca n't have negative items on credit reports for longer than 10 years. Sadly, it 's in the hands of Equifax on when these bankruptcies will be removed from my credit report. It just ca n't be longer than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo is sharing stolen money from my Mortgage with members of the XXXX Tax Collector 's Office in Arkansas. Since XX/XX/XXXX Wells Fargo has sent enormous checks for property taxes totaling {$130000.00} supposedly for my Property Taxes. The property taxes on my small home in XXXX Arkansas are typically {$470.00} or less. The payments made by Wells Fargo to the XXXX County Collector 's Office is a {$120000.00} flagrant overpayment. I believe Wells Fargo is sharing the money they have stolen from my Mortgage Account # XXXX with Arkansas State Officials. I have provided evidence these payments have been made and received by the State. 
Please go to this link to see live data on the Arkansas Collectors website http : XXXX Credit Amt Total XXXX Current XXXX XX/XX/XXXX {$0.00} {$11000.00} {$0.00} {$11000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$10000.00} {$0.00} {$10000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$14000.00} {$0.00} {$14000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$17000.00} {$0.00} {$17000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$25000.00} {$0.00} {$25000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$420.00} {$0.00} {$420.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$470.00} {$0.00} {$470.00} Total {$130000.00} I am the victim of Elderly Abuse. I am XXXX years old and I have a XXXX. I am currently in a XXXX and use a XXXX. This week I am having my daughter drive me XXXX Miles from my home to XXXX Arkansas to send a Bank Check to Wells Fargo because they have falsely claimed I owe them money when they have stolen my mortgage payments for years. Wells Fargo Bank Officials and Arkansas State Officials are stealing money and homes of Elderly people like me all over the state. Please investigate and put these people in jail. I may die before there is an end to this investigation but please do not stop punishing people that steal from the defenseless.

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 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 've requested my credit report from Experian and received it. Upon review I noticed many discrepancies. I 've reached out to the companies listed and informed them about the information listed on my credit report. They do not have the information being reported by Experian in their records and informed me to contact Experian to dispute. I have sent 2 letters to Experian in regards to a claim to make the change and no response. I am also unable to dispute online and receive a message that I can not dispute online. I do not have my complete report number in the credit report sent by Experian and I am unable to complete a dispute online with my personal information or entering a credit report number. The contact number Experian has, is automated and only for requesting a copy of your credit report. No live representative option is given for disputes.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My identity has been stolen, someone has already filed fraudulent tax returns in my name. I received a letter from the IRS on Friday of suspicious activity related to the Department of Education FAFSA website. The IRS letter told me to contact Equifax and sign up for their credit monitoring. I tried but the system told me it could not process my request and to call a specific number. When I did, I was transferred to " XXXX XXXX ''. It seems ironic that some XXXX, probably from another country, has my identity and I 'm transferred to another country to work on my identity theft issue. When I asked to be transferred back to the US, this person told me to call back in an hour. Something has got to be done about identity theft in this country. There has to be one agency or department to manage the process for those of us who are truly victims of this crime. Sending us to foreign countries is not a good nor comforting way to handle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute XXXX on credit report Membership ID number XXXX. The " balance '' and " past due '' listed on the account is incorrect. Please delete the account.

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 2017-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial bought a debt that exceeds the statutes of limitations. They then sold the debt to XXXX who attempted to collect the debt. A complaint was filed against XXXX with the CFPB who refused to respond and one filed with the BBB complaint # XXXX which they acknowledged the debt was expired. The debt expired in 2016 yet they are still trying to collect.

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone has committed identity fraud using my information. This is not my debt and I need this cleared up immediately. 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 2017-04-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
this is not the first or even the 30th time I have reported WF but after reading class action suits against the lawyers who filed my foreclosure and in light of the help I sought BEFORE they filed foreclosure I am filing yet another complaint and I ask this to be reassigned. XXXX who issued the XX/XX/XXXX letter has not followed up despite my requests to do so. and I still have no information I am requesting. Also I do need copies of all ALL letters sent toWFHm over the years. This will be to attaich to my motion to dismiss foreclosure I will be fiing since I did not get the required 30 days from XXXX before a complaint was filed to cure the default and I have other concerns. I need to know if my property taxes have been re adjusted despite the loans status since I sent in information to do that from assessor office on XX/XX/XXXX. Also I want an explanation of the XX/XX/XXXX letter about XX/XX/2016 taxes fluctuation. I have requested that of XXXX XXXX subsequent to getting the letter of XX/XX/XXXX but have heard nothing. Also the homeowner specialist I spoke to a few weeks ago was very nasty. please re assign. I am working to get funding from hardest hit program since I appear to qualify. Please know I requested validation of debt BEFORE complaint was filed for foreclosure I got it AFTER the complaint was filed. So I have many concerns over this and will fight it all the way. Again to CFPB I need all letters I have written to WF sent to me requesting help to show the judge. 
I feel I will get scripts here. but know I have half the money to pay you. you want to sit in foreclosure status. with lawyers who appear sloppy due to high volume. please also ask them as I have to pdf me another copy of foreclosure complaint. I need to know the info I sent in on property taxes has been sent in. and included. also the person in SC I was told to contact in XX/XX/XXXX letter HAS NEVER RESPONDED.

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 2017-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I have been one to always stay on top of my debts. I have an auto loan with Nissan that I have never been late on. I paid my account via phone during the month of XXXX, when I called I was advised that I had fallen 30 days late. I stated to Nissan that I was aware that my payment was made on the XXXX day. However, I was told that since the payment would n't post until the next business day I was in fact 30 days late. I explained to the rep, I even spoke to two supervisors who advised me that there was nothing that I can do. I explained that I was a XXXX Vet and that I was juggling two households because I take care of my father under XXXX. I even wrote them a letter pleading my case. That I did n't intend to fall behind, I just let the date get beyond me. This is affecting my credit and my employment because I need a security clearance to perform my job. I am in jeopardy of loosing my job if I do n't get this late pay removed from my credit.

Company response to consumer: Closed with explanation