vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Am in desperate need of help Ive been banking with XXXX for 9 years now. I work very hard to make my money the correct way. I made the mistake of trusting someone close to me. I know this person since I was a child, he knows everything about me. He got a hold of my card and deposited checks because he knew my information. I honestly was working this day and had no clue what was going on. I went to XXXX and explained but they claim since the person knew my information theres nothing they can do and that my account will be closed. Mistakes happen all the time what about how long Ive been banking with you guys that does not count? How I never committed anything wrong, not only am I not allow to get a chance but I cant open with no other bank! XXXX has me as fraud this is not fair. It has me depressed please me or give me another chance. Ive been to every bank and they all tell me XXXX has me on fraudulent therefore I cant bank with them. Please I am begging for some help it really was not 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 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
After the law firm aggressively pursued our family over a lawsuit initiated by my estranged Mother, it appears that this law firm has also purchased some of my debt and are now also trying to threaten me with a law suit to recover it. 

In the letter they advise that they have been retained by XXXX XXXX  to collect its claim against me for the balance due on my XXXX XXXX Credit Card, and utilize on behalf of our client in a second letter - however when I called XXXX to discuss this with them, they advised that they can not discuss it as the debt was actually purchased by the firm. 

Therefore the law firm are threatening me with a law suit, acting as though they are being instructed to by XXXX, when in fact they are a debt collector who purchased this debt from XXXX and it has nothing to do with them any more. 

With the history of the family-based lawsuit, it seems very unethical for the law firm to now try and threaten me with legal action over this debt, and to act as though they represent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
Upon pulling my credit reports, I noticed a company, Fair Collections and Outsourcing, placed an account in the amount of {$3100.00}. I disputed this information as I thought it was inaccurate. After receiving the validation the sent. I reached out again to inform them that this was not my account. The company never responded and the validation didn't have any proof of signature or identification that matched mine. I'm unclear if it is a company mistake. I believe this is identity theft and would like this promptly removed from my credit files. This account is hindering my credit health.

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 2019-08-01 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: NJ

Complaint narrative:
Not enough information to verify debt : In XXXX XXXX and XXXX of 2019 I requested an investigation and verification according to the FCRA SECTION 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and not an electronic or e-oscar verifcation but have been repeatedly answered with verified as accurate without being provided with the documentation that was requested.Continuing to be in violation of FCRA section 611-non compliance and continuing to cause damage to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Electronic - XXXX verification XXXX XXXX account number:XXXX {$2100.00} In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have not recieved a proper investigation or the requested documentation.No method of verification has ever been disclosed or shown and this violation continues to cause damage to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been trying to access my Transunion account since XXXX, 2019 without any success. This is the error message I keep receiving : " Your TransUnion Credit Report Freeze status is currently : UNKNOWN '' I have followed all of the directions from multiple departments and still can not get any help to resolve this matter. I even checked with the Social Security Department to make sure my name was correct to rule out any possible errors associated with my SS #. Transunion Support Team also, keep claiming that there is an error code # XXXX ; which is a faxing code error and that there are now multiple files associated with my User ID. Even with deactivating and creating a new profile twice did not resolve the ongoing issues. I need someone in Technical Support who can research this matter so, that I can have access to my Online Transunion 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 explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was unable to pay my US bank Home mortgage payment of XXXX online today ( XX/XX/2019 ), as I usually do every month. When I called the customer service number provided at XXXX, I was transferred to the online banking department who informed me that I would no longer be able to pay my mortgage payments online due to updated compliance regulations for borrowers that had a previous bankruptcy. I stated that the bankruptcy over 10 years ago and my mortgage was reaffirmed in the bankruptcy. Also we never missed a payment on our mortgage even during the bankruptcy. I further stated that I was NEVER notified in writing by US Bank Home Mortgage of this change in policy. The representative told me that I could pay a XXXX fee to pay through the automated phone system, or I could pay XXXX fee to have her process the payment. I asked for a supervisor who did eventually waive the fee to pay online, but I would like an answer as to why I was never notified in writing of this change in policy? I feel that this policy is a extremely discriminatory and bias especially since we NEVER missed a payment.

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 2019-08-01 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:
XXXX wont remove the inquiries that I didnt make

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX wont remove the inquiries that I didnt make

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Had issues with payment on time. Got dinged even though I wasn't required a minimum payment. Payment cleared next day. Only issue in almost a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019- I contacted Experian requesting to have the Fraud Alert that was present on my credit report removed, after getting a new phone number and already had updated the alert with my previous phn number months prior. On this day, the representative I spoke with confirmed that the alert was removed and I even received an update via my Experian monitoring services being it was submitted as a dispute. I requested to have it removed as a whole, due to being in the process of trying to rebuild and re-establish my credit, and the alert overall was just becoming an issue, keeping me from being approved credit at all. The agent advised me that the removal would take a 24-48 hrs to update on my credit file. 

As of today, XX/XX/19 - I have been denied credit by creditors all due to being unable to verify my identity due to fraud alert, and showing a phone number I haven't had in years. So when they call it they couldn't reach me, and so my application ended up being denied. 

XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19: XXXX XX/XX/19: XXXX XXXX  XX/XX/19 XXXX XXXX : XX/XX/19 : XXXX XXXX XXXX  The issue I have is after reviewing my credit report Today, I noticed the an alert still there, and it wasn't the alert that was previous there. So I contacted Experian and was advised that there was some kind of issue that when I had the alert removed on XXXX  XXXX, the system unknowingly pulled an old alert placing it on my file, and the agent apologized, putting in a request to have it and any old alerts completely removed from my file, and I received confirmation of it being submitted as a dispute that was completed a few hours later receiving a confirmation email of it as well. However the issue I have is when initially applied believing the alert was removed, an inquiry was applied to my credit file for each application submitted, and to now see there was an issue caused by Experian, causing the creditors to be unable to verify my identity thru the details of the alert, so now that this issue has been resolved, I will have to re-apply with these same creditors causing the same inquiries to be added to my file again, causing my credit score to decrease in more points behind an issue Experian cause, and I think this inappropriate and unfair and because of it I am submitting this as being a complaint.

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 2019-08-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
* The file has surpassed the statutes of limitation that have been placed into law concerning the FCRA. 
* XXXX.XXXX XXXX is deemed as a collection agency that is also govern by the FDCPA. 
* The children that are connected to this child support case is above age. 
* XXXX.XXXX XXXX violates the FCRA, and FDCPA therefore is deemed unconstitutional. 
XXXX XXXX  XXXX XXXX  is a closed acct not active case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion wont remove the inquiries that I didnt make

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 2019-08-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Electronic - XXXX verification Portfolio Recovery account number:XXXX {$2100.00} In may, XXXX and XXXX of 2019 I requested verification according to the FCRA section XXXX ( a ) ( XXXX ) ( A ) - through the physical verification of an original signed consumer contract and have not recieved a proper investigation or the requested documentation.No method of verification has ever been disclosed or shown and this violation continues to cause damage to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
I called and tried to pay and they refuse to take my payment because it is a partial payment. I want to pay them it says on my statement that any amount received less than the full amount will be applied into a suspense account until the full payment is made but they will not let me do this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCC Business Services, Inc.
State: VA

Complaint narrative:
I paid this debt and it's still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: AK

Complaint narrative:
The debt collector is attempting to collect a debt for a truck that is not my account. Her name is XXXX XXXX and her phone is XXXX XXXX. When I call her back to tell her that this is not my account she asks for the number that SHE is calling. I do not know what number she is calling so I give her the main number to my place of work so she can remove it. That number does not come up in her system so there is nothing she can do. I keep getting calls from her and it is embarrassing and harassing at my professional medical office. This is not my debt and they have the wrong person but she has no way to remove me unless I can tell HER THE CORRECT NUMBER THAT SHE IS CALLING. This seems wrong 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 2019-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
My vehicle was totaled onXX/XX/2019. My vehicle was financed through credit Acceptance but was paid off by the other person insurance company in XX/XX/2019 in the amount of XXXX dollars which left me a balance of XXXX dollars. They closed and sent the balance to collections. XXXXXX/XX/2019 the company which is Credit Acceptance Corporation took XXXX from my account. I did not authorize this transaction nor have I spoke with the company.

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 2019-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I had taken a loan out from XXXX on XX/XX/XXXX. I had made one payment towards the balance.. I was fully aware of the collection calls. However, On XX/XX/2019 at XXXX XXXX  The Manager by the name of XXXX i dont have his last name came into my store, in front of my employee and myself he blatantly asked me if i had any intention of paying on the account. I told him this was harassment and illegal he scoffed it off and continued to ask and harass me about my account. As he was walking out the door he said he didnt care I was going to collections anyways. Threatening to place someone into collections is also against the law. This gentlemen has upset me and completely broke the law. He did violate the law and now i have to work next to him every day next door wondering if he is going to come into my store and harass me further. I would like to be updated on this as quick as possible. I am severely hurt and upset by this. He broke federal laws and something needs to be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I saw WF/FMG on my credit report. I called and was told that the account was closed and the message on the report states " refused to pay ''. I told them I do not remember opening this account. The agent said it is closed and even if I wanted to pay, they could not accept payment. He stated that some Wisconsin statue said it was past the limitations to collect. He said the statue will not let them collect after six years. The account was supposedly open in XXXX. I said it is only five years and its not mind. I disputed the account and was told I could not pay if I wanted to and it would stay on my report until XX/XX/XXXX. I am in the process of purchasing a home and this has been a total nightmare. I am a 100 % XXXX veteran and could not believe the treatment I received. I asked for something in writing and was told they could not furnish me with any documents.

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I have been trying to get ahold of LoanCare who services my mortgage for 3 days. I have tried emailing and calling multiple times - every time I have waited on hold for over an hour - elected a call back and have never received a call back. They recently charged me {$420.00} to schedule an appraisal for pmi removal on XX/XX/19 and they said an appraiser would be in contact within 1 week it is now XXXX and I have not heard back. They will not respond to emails or calls.

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 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD bank has wrongfully stolen {$730.00} from me. They ignore my many emails and phone calls and have now closed my case despite providing no help or answers. An agent of theirs signed me up for the wrong overdraft protection services in early XXXX. I noticed late XXXX, contacted td, and everything was refunded and fine. The agent was very kind, helpful, and owned the mistake. I went to a td bank location on XXXX XXXX in XXXX to sign up for the correct program and confirmed I signed up. They deny that I was ever there, despite the fact that I have text messages proving I was there, provided by my boyfriend, who dropped me off there. I, thinking I was safe from overdrafting, spent money without realizing I was being charged hundreds of dollars in overdraft fees daily. ( I work a very hectic job and dont always have access to my online banking, so I was very confident in TDs overdraft program that pulls money from your savings into your checking ) I had more than enough money in my checking to cover the small expenses incurred throughout the few weeks I was being charged, and was sometimes even charged overdraft fees when my account was positive ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I can not live without the money they have stolen from me. XXXX and XXXX, the managers handling my case, have been reflective, unhelpful, and rude. While the first agent fully acknowledged TDs mistake, these women are flat out lying. I work a lot and my hours conflict with TDs and can be really unpredictable this time of year. Im disappointed and feel wronged, to say the least. Id like to close my accounts, but obviously dont want to until I get my money back. XXXX rudely suggested I come in since tds hours are very convenient but, ironically, Ive had to work almost every day the last month because I have to pay late fees for bills and catch up on rent. 

Id like my money back ASAP before I take this to small claims. 

Note from the images below XXXX has not once tried to contact me, but was CCd on every email.

Company response to consumer: Closed with monetary relief