vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
cra violation inaccurate information they put formation that is not mine of no knowledge of

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 2018-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
Disputed with the company on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I've have yet to hear back from the company 30 days to respond, I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A complaint has been submitted to the CFPB regarding the lack of support from XXXX XXXX. I have recently been of victim of some type of scam involving both of my CapitalOne credit cards. I spoke with a representative from the Executive Office from Capital on XX/XX/XXXX and advised I would be able to provide any documentation that is needed showing I only made payments from my XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX accounts. The payments were just made through the mobile app that is provided by the Institution. The Institution advise the payment were made through a XXXX XXXX  account in which I explained the situation numerous times and filed a police report ( see attached ). There has been no communication for the past month regarding the issue. 

XXXX XXXX needs to be put on notice there must be some kind of fraudulent activity plaguing their Institution. I just received an instant message from someone on social media on XX/XX/2018 ( please see attached ) stating they work with an Insurance Company for XXXX XXXX. This is the same information that is depicted in the attached police report at the beginning of XX/XX/2018. 

CapitalOne has a practice if the payment is made with an account other than the owner, the payment will not be accepted. I know this because CapitalOne contacted me when I paid a bill for my child 's aunt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In reslonse to my complaint filed on XX/XX/2018, Wells Fargo stated they were unable to contact me. 
Wells Fargo called me on XX/XX/2018 and notified me they were reviewing my case and I verbally spoke to XXXX. 

XXXX from Wells Fargo called me again on XX/XX/XXXX and notified me there would be a delay in investigating my case. Wells Fargo called me twice and I answered and spoke with XXXX both times. 

Their statement is untrue and inaccurate.

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 2018-08-23 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:
cra violation inaccurate information they put formation that is not mine of no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
cra violation inaccurate information they put formation that is not mine of no knowledge of

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is not able to find my credit file and there is no problem pulling it from XXXX and Equifax. I have credit history of 8 years with mortgages, car loan, and 8 credit card. 
I have spent total of 150 min with them on phone with resolution except them saying you do not exist!. I am in process of buying a home and can't close until Equifax can provide me my credit report. 
Also, I use XXXX XXXX for personal use and they pull data for Equifax and its visible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TX

Complaint narrative:
I am no longer disputing XXXX XXXX and XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
I am in the the process of purchasing a home and a retail installment contract is being incorrectly listed as a secured home improvement loan for {$7800.00} and is also showing as a collection account when it's a charge off account. I called on XX/XX/2018 and I was told the account was sold to a collection company, I called the collection company that bought it and they said they didn't have it anymore. On XX/XX/2018 I called the original creditor Castle Credit company and asked if they could send me a letter showing that it's not a home improvement loan but a retail installment. Castle Credit company then said they would send me something when they had time its like if i'm was going to pay. Because of these discrepancies on my credit report I can not proceed with my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I have been working with my mortgage company, Ditech, for several months to remove my PMI from my mortgage account. I payed for an appraisal at Ditech 's direction, only to later be told that the home would not qualify to drop PMI for several months. After the appraisal was completed, I was informed that the PMI would dropped at the loan 's 2 year mark on XX/XX/XXXX. On XX/XX/XXXX, I called Ditech to confirm the PMI had been dropped, and requested a refund for the prorated dates I had paid for with my XXXX payment. The PMI has not been dropped, and I was informed that the PMI was paid for the upcoming month, therefor my XX/XX/XXXX payment would cover my PMI through the end of XXXX, and would be prorated. 
Today, XX/XX/XXXX, I spoke with Ditech again and was informed the PMI still has not been dropped, and that PMI was actually payed for the previous month. They said to expect to pay the full PMI amount for my payment due XXXX XXXX, and then to receive a refund for the prorated amount which would be applied to my ESCROW account. They still have not answered why my PMI has not been dropped, nor have they confirmed a date when I can expect to receive confirmation of the PMI being dropped. 
This process is ongoing, and the initial process was initiated in XX/XX/XXXX. The current date is XX/XX/XXXX. Over 6 months for a process including multiple letters, over 20 phone calls, dealing with over a dozen representatives, and this is after I was initially told should only require a single letter and an appraisal. The original estimated time fame was approximately 3 weeks after my written request was submitted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TN

Complaint narrative:
Transunion has repeatedly reported inaccuate information that has negatively impacted my credit reports and scores. The Company failed on numerous occasions to VALIDATE debt from XXXX  XXXX XXXX. The Companys website lags tremendously, and I am no longer allowed access to dispute forms. The Company also has continued to report accounts ( XXXX, XXXX, XXXX, ). These accounts were successfully disputed after being sold to XXXX XXXX and XXXX XXXX XXXX. Transunion has yet to remove the accounts from my credit reports.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EMBRACE HOME LOANS
State: PA

Complaint narrative:
On XX/XX/XXXX, my report shows two separate inquiries made by Embrace Home Loans and XXXX XXXX from XX/XX/XXXX, which I did not authorize. Today, XX/XX/XXXX, I called XXXX XXXX  and the gentleman informed me that they were authorized by Embrace to run my report to see if I qualify for a home loan, which I am not currently looking to purchase. When contacting Embrace Home Loan, I attempted multiple times to call from my mobile phone and called three different numbers in which the message stated the numbers were all disconnected. I then called from my work landline, and finally got through. The young lady I spoke to stated the company looks up random names, research their information and forward it to a credit company for approval odds and should not post as a hard inquiry on my report, it did. She then forwarded me to their specialist which did not answer my call to see what can be done about removing the inquiry. These inquiries were just posted to my report and affected my score. It is unacceptable for any company to run a report for approval odds of any kind without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XXXX I purchased a used 2014 XXXX XXXX, I put {$10000.00} cash down on the vehicle leaving a remainder of {$14000.00}. I told him ( loan/finance officer ) that I did not want to use the dealership because they always have higher interest rates ( XXXX XXXX XXXX ) He DID NOT tell me that he was going to running ANY hard inquires on my credit, I was under the assumption that it was soft credit checks. I told him that I used XXXX XXXX for my last vehicle loan and that I enjoyed using them as a financial institute ... .my credit was never ever ran for that company??? I checked my credit last night and apparently he ( the loan/finance officer ) decided to run it 4 times!!!! Can you please have this removed from my credit as a hard inquiry? If I would have known this I would have never used this dealership! 
I DID NOT authorize this for the following ; COAF- Finance on XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX-XXXX XXXX I will accept the XXXX XXXX XXXX that is who he ( loan/finance officer )  showed me the offer and had to initial by the agreement. This is the company I did agree to their terms. I am beyond floored that they so easily dropped my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
Franklin Collection Agency has added a collection to my credit report that does not belong to me. I have requested validation without any response. I have never had any services with XXXX. I have been a resident of Illinois for over 15 years. This account does not belong to me. By reporting this information this is damaging my credit worthiness for an account that has never belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I had arranged to have a transaction with a person for some concert tickets. After texting and receiving a screenshot of the tickets to be transferred, I initiated a payment ( {$160.00} ) through XXXX. The person never sent the tickets and is now not responding to my attempts at contact. I contacted my bank, PNC, to see if this transaction could be disputed before it even cleared and was told that this is not possible. I was told that I should just request the money back from the person, which I have done, but them following through on this seems unlikely. I was surprised to find out that PNC offers no sort of protection for its customers in events like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Upon termination of a 39 month lease with XXXX XXXX XXXX, the 3rd party inspection company XXXX  cited excessive wear and tear of all 4 tires on the vehicle. The vehicle had been serviced exclusively by the authorized dealer to inspect, oil change and rotate tires. All completed on schedule/mileage as agreed. The vehicle was returned to the dealer with XXXX miles traveled, well below the allotted amount of the contract. We were not given access to the inspection report until a month and half later when we received a final bill for replacement of all 4 tires equaling {$1000.00}. 
We spoke with both the customer service representative and her supervisor XXXX XXXX to seek an explanation of the charges and to dispute the validity of the charges. We were provided the final report via email with photos of tires that showed wear but did not prove they were the tires of the vehicle we returned. In addition, attempts were made to schedule an inspection with the 3rd party  company XXXX prior to returning the vehicle. An inspection was scheduled but they arrived a day early when we were not home and they could not schedule anything prior to our return of the vehicle. We were at the mercy of the dealership, 3rd Party and XXXX XXXX once the vehicle was returned. The condition of the tires were not as stated in the report. Even in the case were the tires were in a state of heavy wear as stated, we were robbed of the opportunity to find reasonable replacement at another repair facility who would charge a fair and reasonable price. We were subjected to the highest price possible without any care by the dealership & finance arm of XXXX. We feel abused by this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am going through a divorce and lost a job due to layoff. I continued to make payments even when I had no job and eventually fell behind early in 2018. I called CapitalOne to inquire about a reduced payment or payment assistance program in or around XX/XX/2018. I was told by their collections department that they can not offer me any payment assistance while the credit card is delinquent. I brought the card current. I'm now physically separated from my wife and my current jobs combined pay less than the job I lost. I called back to CapitalOne today on XX/XX/2018 and was told since my account is not delinquent there is nothing they can do. If I have a problem with making my next payment then they " may possibly waive a late fee ''. I asked the rep for notes regarding my previous calls for help and mysteriously CapitalOne didn't document any discussions regarding my request for payment plan assistance. This company has no interest in assisting their customers who run into financial difficulties and will mislead them into getting the account current for their own corporate benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has rolled over a 24 month CD ( #  XXXX ) against my instructions and now wishes to fine me over {$3000.00} to retrieve my money. The CD matured just 14 days ago at which time I gave instruction by phone to transmit the funds to my linked outside account at another institution. Their web site has no provision for providing the instructions they require to prevent automatic roll over forcing it to be done verbally. I have discussed with Synchrony supervisor XXXX XXXX. He will not reverse the roll over. He says he can not find record of my phoned in instructions. XXXX XXXX confirmed that the phone number he had on file was not current. 

Synchrony Bank has developed a system to prevent customers from closing their accounts without being ripped off by fees termed " Interest Penalties ''. These penalties were allowed so as to prevent customers from obtaining improved interest returns but then changing their minds part way through the term of the CD contract. Instead they are being used to trick customers into keeping their accounts open when they are not wanted or alternatively ripping off those who close their accounts. 

I hope you can resolve this matter for me and also achieve a change that will prevent investor rip-offs of this nature. 

Best regards, 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 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Yesterday, my Travel Rewards VISA ( # XXXX XXXX XXXX XXXX ) from Bank of America ( BOA ) was stolen. Within an hour of discovering this, I reported this to BOA and asked that a fraud alert be put on this account and that I be sent a replacement card. 

I called a toll free telephone number provided on BOAs online banking website about 6 times, but all I got was recorded messages. It was impossible to reach a human being. After wasting about XXXX minutes just trying to get an agent at BOA about the theft of the card, I finally was told that an agent would come on the line. Then I was put on hold for an additional half an hour. When the guy who finally answered came on the line, I told him everything I knew at least XXXX times. He wasted time with chit chat, then proceeded to ask me exactly what Id just told him. After telling him again that I had checked the activity for the card through BOAs online banking website just before I called him and had seen no illicit activity, and repeated everything else yet again, I told him I had to eat dinner and had no more time to repeat the same information Id already provided to him several times, since it took me nearly an hour to get through to him. As far as I recall, the last transaction on this card was an electronic payment from my bank that I scheduled for {$8.00} which BOA should receive today. 

BOA continues to evade its customers and refuse to act on simple requests such as putting a fraud alert on an account that has had a stolen card in a timely or efficient manner, and to replace cards quickly when asked for legitimate reasons. It unfairly burdens its customers with grossly unreasonable, harassing, inefficient and insecure procedures that injure them. In contrast, XXXX XXXX was quickly and easily reached, took the relevant information and said they would mail a replacement card all within a few minutes. The new card should arrive today or tomorrow. 

BOA does not manage its credit cards in a reasonable fashion and its gross ineptitudes put its customers at risk for further injury. This has been the case for years. I have filed previous complaints about it, yet, if anything, these deep seated problems with BOA credit cards seem to be worsening. Just before submitting this complaint, I tried to check the account online for any fraudulent activity. The account was blocked and I could not access it. A message said BOA wanted me to call it, again, to waste more time. I have no more time to waste on BOA.

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 2018-08-23 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: CA

Complaint narrative:
XXXX XXXX shared my information to XXXX XXXX. Now they are trying to collect XXXX, I do not know who XXXX is I never signe paper work with XXXX, they bumped the initial amount of XXXX, also they report to the credit bureaus different information, one day my account is open the next day closed, then collections, this been closed, remove It from report, also sending Letter to petition to keep there business open, they took my documents of line

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 2018-08-23 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: TX

Complaint narrative:
I am no longer disputing XXXX XXXX and XXXX XXXX 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