vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2008 we purchased a property directly from Wells Fargo that was a foreclosure. The property had a single family residence & a mobile home on a permanent foundation.Wells Fargo financed it through their home mortgage department. The interest rate was 6 1/2 % at the time. As interest rates started to decline I called Wells Fargo multiple times to get a refinance. I also received cold calls from them about refinancing it. They declined each & every time. They finally explained to me the reason behind refusing to refinance. It was due to the mobile home on the property.Desperate I called XXXX XXXX XXXXXXXX to see if I could get a refinance through them & received the same response. I found all my disclosure docs from Wells Fargo, and no where is it disclosed about cautions or warnings about the hazards & potential difficulty of refinacing a property with a mobile home.They have a fiduciary duty of utmost care, integrity, honesty & loyalty to the Financee. A duty to disclose all material facts affecting the desrability of the property due to difficulty of refinancing. In the last 11 years we have paid tens of thousands of dollars in finance charges due to the high interest rates.

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 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I have disputed collections for XXXX  cell phone bill a number of times it was taken off my credit report and then put back on. My husband now ex was the one that applied for the phone and then added his line to it as well. I was never aware he used my information to get the phone. What information they have is just a typed up lease which I have found blank ones online so its kind shady. This account does not belong to me it belongs to my ex husband

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Today XX/XX/2020 I deposited a two party check with my name and XXXX XXXX XXXX and Wells Fargo NA from XXXX XXXX XXXX for an insurance claim settlement. The check was for {$3700.00}. 
I was told by XXXX XXXX NMLSR ID : XXXX who is the branch Manager that I would have to wait until tomorrow XX/XX/XXXX to be able access the remainder of the funds. She did not know why and had to contact someone outside of the branch to inquire what the rule or law was. She did not know what the Wells Fargo policy was and why {$3300.00} was being withheld. I believe this to be in violation of Regulation CC ( 12 CFR part 229 ) implements the EFA Act and the Check Clearing for the 21st Century Act ( Check 21 Act ). [ 1 ] Subpart B of Regulation CC implements the requirements set forth in the EFA Act regarding the availability schedules within which banks [ 2 ] must make funds available for withdrawal, exceptions to those schedules, disclosure of funds availability policies, and payment of interest. The EFA Act and subpart B of Regulation CC contain specified dollar amounts, including : ( 1 ) The minimum amount of deposited funds that banks must make available for withdrawal by opening of business on the next day for certain check deposits ( minimum amount ) ; [ 3 ] ( 2 ) the amount a bank must make available when using the EFA Act 's permissive adjustment to the funds-availability rules for withdrawals by cash or other means ( cash  withdrawal amount ) ;

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 2020-02-03 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I had a lease vehicle with GM Financial which was involved in an accident on XX/XX/2019 ( not my fault ) and was a total loss so GM Financial agreed to an early lease termination. The driver at fault did not have insurance so my insurance company ( XXXX XXXX ) sent a payment on XX/XX/2019 in the amount of {$22000.00}. I was told at that time that GM Financial carried GAP coverage which would payoff any remaining balance. I assumed with those two payments the account was paid in full and was never contacted by or received any statements from GM Financial stating there was any balance remaining after the XXXX XXXX and GAP payments were made. On XX/XX/2019 ( 9 MONTHS LATER ) GM Financial reported to the credit bureaus that I had a balance remaining of {$12000.00} and had 6 missed or past due payments. AGAIN, FOR 9 MONTHS I WAS NEVER INFORMED THAT THERE WAS ANY AMOUNT OWED TO GM FINANCIAL. I called GM Financial on XX/XX/2019 to discuss the information reported to the credit bureaus. I was then told I had a balance due of {$460.00}. The GM representative was VERY RUDE and said I should have known there was a balance due. I told her I was not aware of the balance due and if I had been informed about it I would have paid it immediately. I asked why I never received a statement for the balance due after they received insurance payments and she said they don't have to send me anything and that it was my responsibility to know or to call to see if there was a balance due, which is ridiculous. I am XXXX years old and of the many companies that I have done business with over the years not one has ever said I should just know I owe them money or that I should call them to find out how much!! I told her I was willing to pay the balance due immediately if they agreed to correct the information with the credit bureaus. She refused and said if I didn't pay they would report it to collections. When I said that I was disappointed with the way they were treating me & that I probably wouldn't do business with the company again because of this she said that was " fine with her ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Data Breach Litigation mailed me a bad settlement check that bounced on XX/XX/2020 which is the last day to deposit. 
{$8.00} bad check and {$12.00} bank fee for bad check from Experian. 

Experian Data Breach Litigation XXXX. XXXX  XXXX XXXX, KY XXXX I filed a complaint against Experian Data Breach Litigation on XX/XX/2020 and no refund issued. Complaint # 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 2020-02-03 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: OH

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed Several credit inquiries that I find to be problematic. 

The inquiries in question were apparently made by XXXX XXXX XX/XX/XXXX. XXXX  - Card Service XX/XX/XXXX, XXXX - Card Servic XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, I have no recollection of doing any business the listed companies Equifax Has refused to remove these items and has entertained it to affect/impact my credit. I contacted all of them and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me, to call the credit Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: 3rd Generation, Inc.
State: OK

Complaint narrative:
California auto finance I repeatedly disputed this account. The account was open XXXX. It recently closed XXXX but still have a remaining balance and also shows on my credit report which is Hindering me from moving forward. I would like this account to be removed as its out of statue of limitations. Remained negative balance is XXXX. They got their vehicle back and still wants me to pay. I have sent dispute laters trying to resolve for years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
The. Curacao. Store. Ofer. Shield credit protection for. XXXX dllr.mont. On case. Stole or. Somting happening. Insuranse pay. Balance. And. I did. All. Proces prob police report all. Documents. Agent from stor. Tell me. All set. And cover and 2 mnts latter. I hav late pay. Report collection. And credit shelld. Never. Answer calls. All. Calls goo same. Store

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, Diversified Consultants was placed on my credit report for collection. I have never received any contact from XXXX on this debt. This was an account that was released and the balance was paid by XXXX XXXX XXXX when the account was transferred over. When I went to XXXX after transferring the account to XXXX XXXX XXXX I was told that the account was cleared and in good standings. No further contact was ever made by myself or XXXX, nor any final bills received from XXXX by me or sent from XXXX to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: FL

Complaint narrative:
I am writing because I do not recognize item on my credit report. The account is listed below. I have never done business with this 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 2020-02-03 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: FL

Complaint narrative:
I am writing because I do not recognize item on my credit report. The account is listed below. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Let me provide you the Address and Telephone of the person committed the Bank Fraud : XXXX XXXX, CEO of Citigroup : Address - XXXX XXXX XXXX, XXXX XXXX, NY XXXX Telephone : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX e-mail : XXXX Let us hope that you have no problems to contact him. Thanks, XXXX XXXX XXXX, ID No. XXXX, Home address : XXXX XXXX XXXX, XXXX, NY XXXX ; Tel : ( XXXX ) XXXX ; E-mail : 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 2020-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Years Citibank said they couldn't find my account. Then I found several frauds. They were supposed to mail me a check 3 months ago. I went to XXXX XXXX branch to confirm address where check was sent and they can not confirm. Branch Mgr XXXX XXXX said she or XXXX XXXX would email me-I can not get through phones and no one is responding via email as they promised. Check should be mailed to same address as CFPB 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 explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
XXXX from this office called my employer today, called my office phone today, called my cell phone and left a voicemail then called my wife 's cell phone today and left another message for me to call them. Per complaint XXXX they agreed to mark my accounts as a " Do Not Call ''. They are free to use mail or email to contact me. 

See attached letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I tried disputing the incorrect information on my credit file. To no avail, the action I have taken was rejected and I was given a demand. How can XXXX  say to me? To send them forms with proof this isn't my account. How is that possible? If this isn't my account, how would I have proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have An Amazon credit store card issued by SYNCHRONY BANK FDIC. for about 5 years. The Bank gave me a bill due date on the first of every month. I receive a pension on the first of every month. No problem I thought. The first of any given month sometimes fall on a Saturday or a Sunday even a Monday Holiday. I TOLD THEM My funds a not deposited until the next business day. IS THAT A PROBLEM? AS LONG AS ITS PAID ON THE NEXT BUSINESS DAY. No problem I have been paying my Amazon card on the first of the month but no funds will be transfer until the next business day. I get a message when I pay my bill. It says paid on the first no late fee charged. sounds normal. My Mortgage lender does the same. its a norm in the banking world I thought. I explained this to Synchrony bank and they said there is no grace period. I told them why do the tell me I paid on the first no late fees and they charge me anyway? the customer service Rep just kept on saying there is no grace period. Deceptive practices. I have no control when the first of the month falls on the weekend. NOW they tell me I can move the bill due date to the XXXX every month ONLY after I asked. They assigned me the XXXX of the month to pay the bill. I had no choice.They did not aske me if this was ok and mention that there is no grace period and offer a later due date just incase since I am on a fixed income. I am sure they are reporting late payment to the credit borough. PLEASE HELP. THANK YOU 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 monetary relief
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened on XX/XX/XXXX a new HomeDepot credit card with a promotion for 24 months without interest. 
A purchase of total {$6000.00} was made on XX/XX/XXXX with promotion for 24 months without interest. 
Payments made : every month for last two years. 
I discovered that they didn't apply promotion to my card. 

I called the customer service multiple times since the purchase date to make sure that the 24 months no interest promotion is applied to my account and I was assured and confirmed that it is done and applied. 
On XX/XX/XXXX I received a letter stating that the above mentioned promotion was not applied to my account and therefore I have more than 3000 $ debt instead of XXXX $ that is supposed to be. 
I called the credit card company and asked to provide recording for all my conversation with customer service, they refused

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is reporting late payments on 5 student loan accounts ( XXXX  ) from XX/XX/XXXX thru XX/XX/XXXX. However, the accounts were in deferment status during these dates. Evidence has been provided to Transunion, which disclose the terms of XXXX for deferment. The terms clearly state that deferment will start on the later of the " Deferment date requested '' or " date person is eligible for deferment ''. Note that the deferment date requested was XX/XX/XXXX and I have met criteria to be eligible for deferment due to economic hardship, my entire adult life, based on low income. See enclosed documentation as evidence. In addition, Transunion should be aware that the United States of America and the Consumer Financial Protection Bureau has sued XXXX  for violating the Fair Credit Reporting Act, which is public knowledge. This type of false reporting is exactly what is listed in the lawsuit.

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 2020-02-03 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: GA

Complaint narrative:
XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX These are fraudulent inquiries that I cant get these companies or the credit bureau to remove.

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 2020-02-03 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX I repeatedly disputed this account. The account was open XX/XX/XXXX. It recently closed XX/XX/XXXX but still have a remaining balance and also shows on my credit report which is Hindering me from moving forward. I would like this account to be removed as its out of statue of limitations. Remained negative balance is XXXX. They got their vehicle back and still wants me to pay. I have sent dispute laters trying to resolve for years

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 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rock Holdings Inc.
State: VA

Complaint narrative:
Title Source was contracted XX/XX/2012 to correctly distribute funds on XX/XX/2012 to XXXX and XXXX as stated on page 66 of the attachment. Only XXXX was paid correctly. They have constantly been looking at paperwork for the first agreement that was changed do to XXXX XXXX  not releasing the lean for XXXX XXXX to meet correct obligations to sell the mortgage to XXXX XXXX. XXXX   requires the loan to be in the first position for them to purchase the mortgage. Both I and XXXX XXXX   were not aware of the error until late notices started showing up. 
Title insurance is used to prevent errors from happening and correcting the problem as soon as it is discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: GA

Complaint narrative:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.

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 2020-02-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I co-signed on a lease and the other party was unable to complete the lease term so the vehicle was voluntarily surrendered. Toyota Financial placed the account in collections and I subsequently reached a payment agreement with the collections law firm. I have started making payments and was told by the law firm that Toyota will update my payment status with the credit agencies. 
On XX/XX/20 I called Toyota to check when my account status will be updated from Collections/Charge Off to Pays as Agreed. I was advised by the customer service agent that it will not be updated to Pays as Agreed and will only be updated to Paid in Full when the account is fully paid. This status is affecting my ability to be approved for financial aid for my studies and I would like Toyota to update the status to reflect the fact that the account is being paid.

Company response to consumer: Closed with explanation