vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I got a temporary card from Wells Fargo and whitin a week someone made fraudulent charges for the amount of XXXX XXXX.Wells Fargo called me suspecting a fraud and I did not recognize the charges so they gave me a temporary refund.After 10 days they decided the charges were legitimate because I did not have a story with the card, it was new I never used an it was in my wallet.The only charges were the fraudulent ones I presume the card was compromised in the Bank before they gave it to me as they were able to access my account.change the PIN and the daily amount to withdraw. 
The Bank did not observe any of the measures of the security protocol before allowing the changes and the fraudulent charges. 
The Bank has not offered more information and the case manager is not answering my calls, nevertheless they escalated the case and I am still pending to get my money back.I am a senior citizen and want to be treated fairly. 
I am in panic that they will do it again and I have lost confidence in the Bank and its systems. 
Thanks for your guidance.My case # 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 2020-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I am registering a complaint against Loan Depot for using a bait and switch tactic. I started my process with Loan Depot in late XXXX and submitted an application in early XXXX. I negotiated a lender concession with XXXX XXXX in the amount of {$1300.00}. I started submitting information to the lender as requested. In late XXXX, I tried to make contact with XXXX for over a week with no response. Then in early XXXX, I receive a loan decline for lack of information. I finally was able to speak with XXXX who indicated that they had to send the decline because the underwriter wanted more information. He told me the rate fees are still good. I supplied XXXX with information requested, however they kept asking for more documents every week. Finally, in early XXXX they said we have an approval if I take the property out of my XXXX. I indicated that was fine. Several weeks go by and every few days I call to see when they will get documents to the title company. Finally they send the docs out for signing. When I review settlement statement I notice the lender credit of {$1300.00} is not on the sheet. I speak with XXXX and says the loan took to long and your lock expired. They dragged their feet in hoping I would overlook the higher charges. I notice on XXXX  reviews this is a common practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I already reached out to BMW FINANCIAL SERVICES and notify them of their error posting of information on my report. I requested for Method of Verification but they have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : PENNYMAC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
XX/XX/2020 Received notification from home insurance company that home insurance premium was not paid. Had a three-way conference call with insurance company. Loan company took details to overnight homeowners insurance payment overnight XX/XX/2020 Received another notification that homeowner insurance premium has not been paid. Call load company and held another three-way conference call with the insurance company and the loan company. The loan company rep indicated that they checked the closing documents and that they recognize a payment was due. The loan company rep said that the " overnight '' payment request was made and to allow 3 days for the " overnight '' payment to go thru XX/XX/2020 Spoke to a rep who said the payment was in process and the account payment would be made within 24 hours. 

XX/XX/2020 I spoke with a representative named " XXXX '' who confirmed that the insurance payment has not been made and there was no indication on my account that the payment was in progress or that one has even been requested. She said that she emailed it to the " Research '' department. " XXXX '' said that I could call back in 24 hours later and I could get a tracking number to follow this issue. 

XX/XX/2020 I called in to get the tracking number that was promised me the previous day. The rep I spoke to said that they do not provide tracking numbers. Had another three way conference call with the insurance company and loan company to obtain the " overnight '' address ( for the 3rd time ). During the course of the phone call with the insurance company the rep from the loan company hung up Home owners insurance is due to cancel in a week - will likely have to pay even though it should have been paid at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: IL

Complaint narrative:
Sent dispute letter of unauthorized inquiries to equifax. They received the dispute on XXXX and sent me a response to my dispute on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: NJ

Complaint narrative:
XXXX XXXX appear on my Transunion credit report as hard inquiries, I have disputed many times this hard inquiry via Transunion and also directly by calling this company but every time Transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS OR OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.

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 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
It is impossible to get a line increase, the process is ridiculous I have a fraud alert, so they have to call me everytime i request an increase, they call you once and if you dont pick up the phone they close the case if you callback you have to start a new request and they will pull credit AGAIN, this is the 3rd time they are pulling credit.there is no fair process it is very unfair after one phone call closing the case and pulling credit every day in less than 30 days, I have filed so many complaints about their credit increase practices. Its pretty much impossible to get a line increase, sometimes they said I was declined due to credit and the information is false, no supervisor cant take a look at your case even though information is false. However my Identity was stolen and the fraudsters got a XXXX cc and I couldnt get an increase the inquiry was never removed it was handled the worst way I called to reported and it was never done. This is abusive and this company has the full support from the government while consumers are being disrespected and abust

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 2020-03-11 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: NC

Complaint narrative:
Within the past 3 months, I have tried at least 2-3 times to get an invalid trade line, being reported by XXXX XXXX, removed from my Credit Reports. However, despite the conclusive evidence that I have sent in, TransUnion, XXXX  & XXXX  will not remove this trade line because they are in bed with XXXX. 

Anyhow, I have also disputed this trade line directly with XXXX and they refuse to delete it. Fortunately, XXXX sent me a printout of what they consider to be validation of the debt. However, this printout clearly contradicts my payment history. 

For the billing period XX/XX/2018 to XX/XX/2018, the docs sent to me by XXXX claims that I had a previous balance of {$380.00} and no prior payment was received. However, I have attached the email from XXXX showing that I made a payment of {$100.00} on XX/XX/18. Cell phone bills are paid prior to the billing period!! 

Furthermore, XXXX isn't reporting the last payment date or when the account became delinquent. 

I have attached to this complaint my last 3 payments to XXXX along with the bill summary that was sent to me by XXXX as debt validation.

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 2020-03-12 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: CT

Complaint narrative:
I already reached out to Transunion and notify them of their error posting of information on my report. I requested for Method of Verification mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation

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 2020-03-12 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: CT

Complaint narrative:
I already reached out to Experian, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX and notify them of their error posting of information on my report. I requested for Method of Verification that mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation

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 2020-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I recently paid off my mortgage loan with Dovenmuehle Mortgage. It was paid off on XX/XX/2020. Although I called to cancel automatic drafts several days before payoff funded, they drafted a payment of {$910.00} on XX/XX/2020. I called them on XX/XX/2020, again on XX/XX/2020 and again today, XX/XX/2020. Each time they say they see loan was paid off, they see they owe me a refund, they have no idea why they havent mailed it yet ( told to me on XX/XX/2020 and XX/XX/2020 ) and that I can expect a check " any day ''. Today, i told them i was filing a complaint with CFPB. Hoping you can help them understand their need to follow basic laws. If I was a person who didnt understand my rights or that I had overpaid, I fear they would likely just keep the funds. These companies should not be allowed to hold money that is not rightfully theirs. Even more sad, my new loan was also placed with Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: OH

Complaint narrative:
I am a victim of fraud. I received a credit report with inquiries that I have no knowledge nor did I authorize these inquiries. I called the companies but they could not find a application with my information and informed me to dispute the information with the credit bureaus. The inquires that are unauthorized are : XXXX, XXXX  XXXX XXXX XXXX x2, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have seeked legal representation for other fraudulent accounts on my credit.

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 2020-03-12 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: CT

Complaint narrative:
I already reached out to Equifax and notify them of their error posting of information on my report. I requested for Method of Verification mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I made complaint about XXXX credit card for wrong fully charging me late payment, interest fee's.My Credit Score was XXXXit drop down to XXXX score But TransUnion and XXXX  Never fix my Score on credit report.I want them to raise my Score from this incident up 56 points today. 

XXXXPrint complaint, Submitted to the CFPB on XX/XX/2020 XXXX   XXXX has lower score and it never got fix after XXXX Broken Law and Charge me {$25.00} late fee same day my payment was due, plus interest, but my SCORE Pludjer down hill.Maybe this is wrong place to make complaint maybe XXXX or I am on Trump XXXX people here Not doing their Job watching out for Tax payers! Why is it everyone as Business can Break the Law and XXXX does Nothing, No-Fine, No-nothing if i Broken Law i had to pay fees ...

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 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Have filed a FTC report regarding accounts that were open without my knowledge : from Bank of America I have sent notices to the company and they refuse to block the unauthorized accounts. The company even sent me a letter with another relative name on it clear Identity theft.

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 2020-03-12 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: SC

Complaint narrative:
date opened XX/XX/XXXX XXXX XXXX XXXX I have filed a complaint with FTC XXXX and South Carolina Department of Consumer affairs. Ive sent paperwork and documentation to Equifax and haven't heard anything. They are ignoring me and this started XX/XX/XXXX and still heard nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2020 I called the ( Refinance Department ) of my mortgage company ( Specialized Loan Servicing ) and after waiting for quite a while, I am told ( by recording ) to leave my name and number and they will call back in ( 24 ) hours. 
I waited the next day for the call and after not receiving a call-back from the mortgage Servicers at approximately ( XXXX XXXX  ) I called the customer service number and told them that if they could pass on information to ( whomever necessary ) that their Refinance Department was not answering or returning customers phone calls. 
So at approximately ( XXXX ) I receive an unidentifiable phone call with an area code [ XXXX ] and by chance redialed it back, and it was a representative from ( Specialized Loan Servicing ). I dialed him back at least ( 4 ) times and he never picked up the call. I left a message ( my name and number ) after the first call and stated that this is an unidentifiable number he called me on for the mortgage servicing company, and I had called ( 24 hours ) ago and needed him to call me back. He did not.

So after trying to get him back for approximately an hour, I called the Customer Service Line and was connected to someone in Arizona ( who appeared to not know what he was doing ) was stating to me that, that phone call from ( XXXX ) was not on his long. I stated to him what is it Im suppose to do, I have the persons number and message on my phone stating he is with ( Specialized Loan Servicing ) ; And asking me to wait another ( 24 ) hours. So that Arizona personnel stated ( aggressively ) that he was checking and had to check deeper into the matter while I hold on. And during the time of being on hold, he disconnected me from his line and sent the call to a vague recording. And I hung up.

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 2020-03-12 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: OH

Complaint narrative:
I am a victim of fraud. I received a credit report with inquiries that I have no knowledge nor did I authorize these inquiries. I called the companies but they could not find a application with my information and informed me to dispute the information with the credit bureaus. The inquires that are unauthorized are : XXXX, XXXX  XXXX XXXX XXXX x2, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have seeked legal representation for other fraudulent accounts on my credit.

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 2020-03-12 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 am a victim of fraud. I received a credit report with inquiries that I have no knowledge nor did I authorize these inquiries. I called the companies but they could not find a application with my information and informed me to dispute the information with the credit bureaus. The inquires that are unauthorized are : XXXX, XXXX  XXXX XXXX XXXX x2, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have seeked legal representation for other fraudulent accounts on my credit.

Company response to consumer: Closed with explanation