vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/2020 I called Wells Fargo to question an amount owed on a private student loan I have with Wells Fargo. I have a payment due at the first of the month for the past 10 years has been between {$390.00} - {$400.00}. 

Recently due to Covid-19, I had to take forbearances that were offered by Wells Fargo from XXXX to about XX/XX/2020. My loans recently restarted on XX/XX/2020, first payment due XX/XX/2020 for XXXX, I paid. I recently called Wells Fargo on XX/XX/2020 around XXXX XXXX - XXXX XXXX  their automated system said my next loan payment on the XXXX of the month is {$570.00} which is about a $ XXXX {$170.00} increase when I spoke to a woman named XXXX from their executive office and other representatives at the company I was told due to taking Forbearances offered during Covid-19 emergency I was paying the interest that had accrued during those forbearances that I had to take due to being unemployed. I've used Forbearances from them in the past over the 10 years and while interest is accrued it never increased my payment so drastically. I believe they are using their policies to increase people 's payments at a time that they shouldn't be. It was never conveyed to me in a clear transparent matter that would happen. I find it predatorial as a business practice and I think this should be investigated. 

Best regards,

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 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I went to deposit my check on XX/XX/XXXX and they said the funds would be available on the XXXX at the teller window of bank of america. Then I get a email saying they are placing a hold on my check until the XXXX, this is 12 days after I deposited my check. They have received funds from the bank but are not willing to release them for no reason at all. This is pure discrimination.

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 2020-11-16 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Today XX/XX/2020 I was notified from credit karma that my express credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
DATES OF DELINQUENCY FOR XXXX XXXX  ARE INCORRECT. XXXX  & EQUIFAX HAVE BEEN ASKED TO CORRECT THE DATE OF DELINQUENCY AND ALL MISSING INFORMATION FROM ORIGINAL CREDITOR TO XXXX MULTIPLE TIMES. THEY HAVE REFUSED TO ADD MISSING DATA AND CORRECT THE INCORRECT DATA. THEY CLAIM THIS IS VERIFIED BY COLLECTIONS AGENCY BUT NO ADDITIONAL DATD HAS BEEN ADDED OR CORRECTED. THIS DEBT IS 5 YEARS OLD. IT WAS NOT ESTABLISHED IN XXXX. THE COLLECTIONS AGENCY IS ILLEGALLY REPORTING INCORRECT DATA. XXXX INVESTIGATED MY DISPUTE AND THIS RESULTED IN THE COLLECTION BEING REMOVED FROM MY REPORT BECAUSE THEY COULD NOT VERIFY THE DATA!!!!! XXXX  AND EQUIFAX NEED TO FOLLOW SUIT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the Equifax  data breach and possibly placed in the hands of individuals with ill intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To whom it may concern, back in XXXX there was identity theft on my account. I spoke to TD Bank about it and they were going to remove the 2 inquires. It's been a while its not XX/XX/XXXX and these things still show up. Under the fair credit reporting act 609? Shouldn't these be off? again I never authorized this. They removed from XXXX  just not XXXX. I will show u that that they are not on XXXX. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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 — Investigation took more than 30 days
Company: ERC
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NY

Complaint narrative:
Today XX/XX/2020 I was notified from XXXX  XXXX  that my XXXX credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.

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 2020-11-16 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: NY

Complaint narrative:
Today XX/XX/2020 I was notified from XXXX XXXX that my XXXX  credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.

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 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I had experienced fraudulent use of my credit card for XXXX, and my XXXX XXXX card. I was able to get the banks help with the Visa but got no where with XXXX XXXX XXXX XXXX. 
I moved from XXXX  to XXXX  during this time and then found out XXXX XXXX sold the account to Portfolio Recovery Associates, LLC, and the amount they wanted was now much larger. I pleaded my case and was able to reach an agreement. I would pay {$1900.00} that day if they agreed to report the account settled. They agreed. I used my bank account debit card to pay them. But it still shows up as an unpaid account. This was about 6 months ago. Since then I can't get in to see my Credit Report, I get to one point and then it throws me off, that's another problem for another day. But since I am applying for a home loan, I'm hoping this is no longer on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Since XX/XX/2020 I request an Appraisal or BPO for my house to removed the PMI on my monthly payments because the value of my property is over 20 % of total value I owe the Loan Care now XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX Company : Loan Care told me I will receiving the form in 10 days, I never received this docs, I call again by XX/XX/2020 and they say sorry they will be sending the docs soon, never received nothing and they still charging {$220.00} monthly, I call again by end of XXXX and say again I will be receiving the docs to request the BPO or Appraisal the first days of XXXX. 
I do not received nothing and they do not answer the phone call. 
Then they sent me a wrong escrow balance and increase my monthly payment from {$1900.00} to {$2000.00} and they have over {$600.00} on my escrow account and do not return. 
This is my home residents. 
Already call today and speak with 4 different people and they say to removed the PMI the money I owe them of my property will be 76 % according to the law is 80 % Company still refusing to offer me an BPO or a appraisal, I will pay for this. 

Need to solve the escrow money return and my right to request a BPO or Appraisal. 

XXXX XXXX. 
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 2020-11-16 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 paid the student loans off in full XX/XX/2020. XXXX XXXX reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full 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 2020-11-16 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 paid the student loans off in full XX/XX/2020. XXXX XXXX reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: TX

Complaint narrative:
I paid the student loans off in full XX/XX/2020. XXXX XXXX reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full 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 non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Champion Mortgage assured me on XX/XX/XXXX by a supervisor that my moms property taxes and our line of credit request was received and that they will deposit it in her acct. the supervisor assured me within 5 days it is now the XXXX and i was told that our request was denied again. last year their incompetence costed my mom who is XXXX years old penalty and a lot of heartache. they are at it again! the request was originally sent on XX/XX/XXXX and they lied and said they called me and i denied the request which is a lie. they record all conversations and i would like the conversation of me denying. no calls were ever made to me and this Co should be investigated thoroughly ... on XX/XX/XXXX once again i faxed over another line of credit request and realized ight away signature was missing. within! 5 min i re faxed and now they are denying again. I'm certain there is something that needs to be done with this shady Co. XXXX ( supervisor ) called and confirmed the receipt of the new fax and said $ be deposited within 5 days ... today the story changed again. ive requested a call back from her and nothing so far

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I'm calling your attention to an error/bug in your checking account application process, possibly in other products too. 

I already had a Capital One login from a few years ago. 

During the application, I selected I already have a login. I logged in successfully and continued with the application. 

As shown in the attachment, which is the screen right before submitting the application, my address was correctly informed during application. 

However, once the account was opened, the system ignored all the information submitted and used the old address. All paperwork and debit card were sent to the old address, not the address informed during application ( attachment ). 

This is a error/bug in your application process. 

I tried to inform your customer service, but as unfortunately it is the case at most places nowadays, they are not focused on getting better, but simply asked me to call to have the card resent to me. They did not understand the problem, they focused on resending the card. I'm opening this complaint because it is the only way someone will actually do something about this issue, and not just request a new card to be sent. 

You have an error in your account opening process!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
In response to my previous filed complaints the incompetent XXXX XXXX, Legal/Compliance Dept is still using deceptive and stall tactics. This company is very shady and operates on lies. 

Her response is she needs the last 4 digits of my social security number and my birthday in order to locate a record. 

Obviously, she does not need the last 4 digits of my social security number nor my birthday to locate a file because they already placed this account on my credit file without speaking to me and without sending me a dunning letter. I never confirmed my social security number with them so why was it placed on my file? 

Furthermore, in my previous complaint, I attached a copy of my credit report which shows the account number the company used for the record. So why is it you can't pull my record with the account number your company used to place the debt on my file? 

XXXX XXXX stop using stall tactics because your company XXXX up!!!! I will sue the pants off this company! 

The last 4 digits of my Social Security # XXXX and birthday XX/XX/1982. Now use it and remove this frivolous debt and your company has already violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove the following accounts which were opened by fraud as per FCRA Section 605B ( a )

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 2020-11-16 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: CA

Complaint narrative:
I lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit  card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} ) with Experian, XXXX, and XXXX. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.

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 2020-11-16 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I went to Conns HomePlus to apply for their leasing. I was approved for the leasing but they signed me up for a credit card and I never authorized that. I called multiple times and was told theyll mail me paperwork to fill out. The lady didnt even know my address or my information so Im assuming it was just a tactic to get me off the phone. No one can help me resolve this. Ive had leasing with them before and I finished paying it off so I went for another one. I did not want a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked for the information used to verify an account thats displaying inaccurate information under my name. I understand the any information thats attached to my social security number or that is being reported, Im entitled to copies of documentation by law. Experian have refused serval times to send me the documentation I have asked for. The company claimed they verified information based on information that previously appeared on my credit report. I asked for documentation of how they verified the inaccurate information listed under bankruptcy and the refused my request stating they dont have to provide that information which make me think they have falsely investigated my request.

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