vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 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: TX

Complaint narrative:
It 's been well over a year now, and I 'm still battling with Equifax to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Td bank needs to send info faster. I have been waiting for them to report my recent transactions to XXXX XXXX ( mobile app, payday advances ) so I can cash out since XX/XX/XXXX. I  am not able to cash out without the bank properly reporting my recent transactions in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A mortgage for my apartment with Citibank was open until  XXXX . The mortgage had an escrow account. Citibank has refused to send me statements for the escrow account.   Under a letter of authorization in  XXXX  all my statements were to be sent to me.    Citibank  sent selected mortgage documents but did not include escrow statements. I phoned citibank and they promised to remedy their omission. However, they have not done so. A letter from a lawyer to an accountant shows the existence of the escrow account as it includes a copy of the escrow analysis  XXXX  which corresponds to the mortgage  XXXX  I include :  1.  citibank letter  XXXX / XXXX / XXXX , the mortgage documents produced to me per letter of authorization, signed  XXXX   XXXX   2 .  Letter  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX  transferring documents to  XXXX   XXXX , accountant, for the mortgage on  XXXX    XXXX    XXXX   XXXX , entry  XXXX  " Copies of the annual Escrow Analysis for the CitiMortgage dated  XXXX / XXXX / XXXX  and a CitiMortgage statement dated  XXXX / XXXX / XXXX  ''

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 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
On XXXX XXXX, 2017 at approximately XXXX XXXX I did the following : 1 ) Called Customer Service to place a Stop Payment on a check. They informed me that they could not place a Stop Payment. 2 ) I called the XXXX branch during business hours and was told that " I had to come in '' to place the Stop Payment. 3 ) I informed them that I was in downtown XXXX XXXX and could not get back before closing. 4 ) I have since contacted the branch where I opened the account. I informed them that I had no Online Access to " Stopping the check. '' Pacific Western should not offer checks since they have " no support for check writing and having to go into the bank when there are only 3 branches in all of California. '' People can not physically get there. And 5 ) I had tried to dispute this with another branch but they refused to assist.

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 2017-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
This complaint is on XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called PNC to speak to a representative specifically pertaining to XXXX XXXX and asked the rep to please tell me about the app that 's connected to the PNC mobile app. I also explained to the rep my reasoning behind wanting to know more information about XXXX. I told her that I was purchasing a product from a seller from XXXX a site where buyers can sell gently used items. I also expressed that I always use XXXX all the time and is XXXX similar where if for whatever reason I do n't receive the product or something goes wrong can I dispute the transaction. She stated yes and that I can cancel it anytime. Had she not confirmed XXXX was a secure way to send money similar to XXXX where you can file an appeal I would have never sent any money to this seller. The same day the transaction was completed I called PNC because the seller did not provide me the tracking information I requested. The 2nd representative gave me instructions for canceling the payment online and the option was unable. The 2nd rep I spoke to also stated that once it 's completed they ca n't do anything about it. However, the first initial rep I spoke to NEVER stated once a transaction is completed you ca n't cancel it or dispute it she stated the complete opposite. So at this point I 'm distraught because I specifically called in inquiring more information about this payment system connected to my PNC mobile app. I beg the rep to complete a dispute explaining I was rob of {$900.00} from a fraudulent vendor. I had the vendor name, number and PNC had the banking information it was transferred too. After several days of not receiving any notice or documentation about the case. I called PNC again to check the status. A representative informed me on the case its states resolve with recipient. I just lost it crying frantically asking to speak to a supervisor or someone who can help because I did n't get any notice about their decision so more time is being wasted and my {$900.00} is gone. The supervisor was just apologizing for the very first representative I spoke to who misadvised me to send money through XXXX XXXX stating I can appeal or cancel it. I requested the call to be pulled and that the case still be looked into and how can they not be able to track {$900.00} and do absolutely nothing about it. It was complete negligence on PNC in the way the handle it was not able to help out a customer in need at all due to false information provided by there representative. I just desperately want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX  would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to 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 2017-06-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to 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 2017-06-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, Transunion / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, Transunion must delete this information from my report and send me an updated copy when this correction is completed, Transunion must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & Transunion with the BBB. This also being reported to XXXX in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. Transunion needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.

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 2017-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My family and I have made on time payments every single month. These payments which total to {$290.00} per month have not in any way affected our overall balance EXCEPT by {$63.00}! Out of {$580.00} only {$63.00} has been put towards the actual balance. With an original amount financed which proof is included in the photo of {$9500.00} out of {$580.00} our balance is {$9500.00}. I have attempted to talk to these people  Exeter Finance  and refuse to deal with the ignorant misleading and predatory lending company that this is. I have read NUMEROUS reviews on this company regarding the exact same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My home was foreclosed on by M & T Bank on the following date, XX/XX/XXXX. This was after a six year process with both M & T Bank ( the current holder of the mortgage loan ) and Hudson City Savings Bank ( which merged with M & T Bank in XX/XX/XXXX) submitting multiple loan modifications. I received via regular postal mail on XX/XX/XXXX the 'Notice of Demand Of Possession ' attached in this compliant - three notices total as you will find addressed to XXXX XXXX , XXXX XXXX , and Tenant/Occupant. Within these letters, both M & T Bank and M & T Bank 's legal counsel ( XXXX XXXX XXXX XXXX ) included incorrect and carelessly exposed information on the following : a ) The property listed as : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is listed on two of the three documents sent. This is not the correct property associated with this case and sensitive matter. This is a breach of privacy and a violation of bank privacy laws ( federal and state ) against both myself and my spouse ( XXXX XXXX ), as well as the residents of the above stated property which was carelessly exposed. b ) The date of Sheriff Sale is incorrect on all three documents. XX/XX/XXXX on two of the documents, and XX/XX/XXXX on the other are all incorrect. My expectation at this time is that M & T Bank will conduct a full internal self investigation on this entire case ( File # XXXX, Loan # XXXX ) and the CFPB will act as the liaison. Sincerely, XXXX XXXX

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 2017-06-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CO

Complaint narrative:
Weltman , Weinberg & Reis Co. , L.P.A . Call multiple times a day multiple times a week, most days starting at XXXX MST. I have reached out to them through their website for a payment plan with no response. I have these debts because XXXX and XXXX XXXX XXXX XXXX refused to work with me on payments so I paid what I could until they defaulted ( I now have two loans at Weltman, Weinberg & Reis Co., L.P.A ). Please stop calling and harassing me early in the morning and multiple times a week. I know the issue and I reached out to you with what I can pay, and that 's all I can pay. Calling me multiple times a day and week about either loan will not increase The amount I can pay. I have always wanted to pay these loans and still want to pay them, It just needs to be within my budget because I ca n't pay anyone what I do n't physically have. I do n't have any assets to sell to pay or else that would have already been done, these loans have taken everything from me, any chance of owning anything is gone. My mental peace is gone. The best way to reach me is through email as I live in the mountains and the chances of any call I answer being dropped shortly after answering are high.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was charged 2 separate overdraft fees ( not sufficient funds ) of {$35.00} on X/X/2017 and X/X/2017 without Capital One first notifying me via email or phone or text.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting the following incorrect personal information on my credit report. Incorrect/Inaccurate Names : XXXX XXXX ( spelled wrong ) XXXX XXXX ( spelled wrong ) Incorrect/Inaccurate SSN : XXXX ( not my SSN ) XXXX ( not my SSN ) Incorrect/Inaccurate Addresses : XXXX XXXX  XXXX XXXX CA XXXX ( does n't exist ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( missing apt # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( incorrect ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( incorrect ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong suite # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong suite # )

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 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: OH

Complaint narrative:
Multiple times over the passed few weeks my Key Bank account has been " reportedly '' overdrawn even though I 've had the money in my account. Today is the third instance of this action happening. As of XXXX XXXX the night of the XXXX XXXX XXXX 2017, my account balance was {$10.00}. I made a cash deposit of {$200.00}, bringing my balance to {$210.00}. I immediately withdrew {$60.00} cash which would take my balance down to {$150.00}. I had a check coming out the next day for {$120.00}, which would take my balance to {$120.00}. Now mind that after making my cash deposit I had more than enough in there to cover the check which had n't yet hit my account. My account balance is now $ XXXX because Key Banks money stealing practices try to make it look as if the deposit happened after the check had already hit my account. I have account balances and statements proving tothe money was in my account before the check was there. They charged me a {$39.00} overdraft fee and for no reason and they 've done it to me multiple times over the passed few weeks. Please help to stop this fraud operation they are conducting at Key.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: GA

Complaint narrative:
I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from Equifax.

Company response to consumer: Closed with explanation