vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX we had family matters which caused me to contact Wells Fargo about my home mortgage. They worked with me to do a loan modification which allowed us to handle our financial obligations. We missed the XX/XX/XXXX and XX/XX/XXXX payments as per the loan modification which was put in place. In XX/XX/XXXX, we started paying a higher payment which ended with the XX/XX/XXXX payment. Everything was done according to the modification. It was me that reached out to them not the other way around. I was pro-active. After the completion of the modification the loan was resumed with a normal payment and continues to date. At this point I realized that my credit was trashed because they reported me late for the entire 12 months. I have spoke with several people in their mortgage department and they informed me that I was told. I was not. They say they have recordings but they are proprietary and can not release them to me. They have also refused to remove the late reports directly and through a complaint to XX/XX/XXXX. Their reporting causes me to be unable to refinance the home with appropriate interest rates since my credit is low based on excessive late payments. This to me is a predatory practice and requires reporting and resolution.

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 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
I have been paying on my loan with Consumer Portfolio Service for 4 years ( since XXXX  ). 
I have paid over XXXX dollars on a {$17000.00} loan and my balance is still {$13000.00}. 
My payments that I am able to make are not going to principle, even though they claimed they were. 
My payments are {$440.00} ( not including the fee to pay online ) Now with the issues that are going on in the country and hours being cut back, they are threatening to repossess the vehicle and charging of the account. 
The company will not make feasible arrangements to fix account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My husband and I applied for a home mortgage through Wells Fargo. They collected XXXX for a rate lock, and we began the build process with our home builder. We were pre-qualified, and after paying for the lock we thought all was set. I am on salary continuation ( severance ) from Wells Fargo, and was fully transparent with XXXX XXXX, and his assistant XXXX about that fact. I asked - what will we need to do to prove my retirement income will carry us with this mortgage, etc. XXXX answered well, you will still be employed at closing, yes? So, we heard nothing back, and a few weeks ago, I broached the subject again with XXXX. The underwriters were asking me questions, and I asked what we should be providing, given our situation. Our closing date was set - furniture ordered, blinds, services, etc. and at the 11th hour, they called a halt. We are apparently required to show a distribution of my XXXX. Fine ... but the problem? WELLS FARGO will not do this?! So, XXXX are of Wells Fargo needs something from my plan that the other branch WILL NOT PROVIDE. Now, we are in jeopardy of losing our XXXX deposit, our home, and as I am recovering from XXXX, this whole thing is about to upend our entire lives. We now have to attempt to get another lender, and may not be able to go through the process in time. This whole thing was completely unethical, and the bank has policies that war with others. I have XXXX coming to me when my severance period is over, but until then, I am still considered employed. We own another home, and my income is XXXX per month, and yet, they wont support picking up the distributions as planned when my employment ends with the company. 38 years, Ive been an employee. We own another home free and clear, along with 2 vehicles, and yet, they wont move forward approving our purchase. That is one thing? But the fact that we were told to just shove this under the rug, when we could have worked with a different lender, the one who offered us the mortgage in the first place. I chose WF because I am still employed there. I want our money back, and I want our unethical treatment to be dealt with.

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 2020-08-25 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:
I have been a victim of identity theft, my information was expoused through the XXXX XXXX XXXX and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interes and has diminich my ability to get credit. 
Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My LO  did a loan application over the phone. He grossed my income up since I am an SR and receive retirement and SSA non-taxable income. The underwriter changed the income from the UW and suspended the loan. I asked the LO for the name of the company and Underwriter. 

UWM XXXX XXXX, SENIOR UNDERWRITER ( XXXX ) XXXX ext. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 11 XXXX   XXXX 12 XXXX 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 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I purchased an item on XXXX using paypal service, when the product was never received I requested a full refund from both XXXX and Paypal. XXXX stated they attempted to process the full refund of {$110.00} but could only provide {$100.00} refund because Paypal prevented the full refund transaction. I initially contacted Paypal by phone for the refund immediately after receiving the {$100.00} and was told by the Paypal representative that I needed to wait 12 days until they receive a reply from the seller on the matter before I could escalate the case. I waited the 12 days and called back and was then told I waited to long and the case was closed and nothing could be done. This is obviously deceptive practice because their process/service which I pay for failed to protect me from the lost ; which they past on to me. I would like to receive the remaining amount owed and expose this Paypal practice. Please advise. Please see notes from XXXX  and Paypal. 


Paypay Case XXXX Transaction ID : XXXX Amount : {$110.00} Date : XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company was asked to provided written documentation of signed contract for services provided and did not do so. XXXX investigated and did not provide proper documentation to me either and continued to report this debt on my credit report when XXXX XXXX and XXXX   removed before sufficient documentation was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: GA

Complaint narrative:
I have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX   tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interes and has diminich my ability to get credit. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 have been a victim of identity theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX   tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interes and has diminich my ability to get credit. 
Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Company was asked to provided written documentation of signed contract for services provided and did not do so. XXXX investigated and did not provide proper documentation to me either and continued to report this debt on my credit report when XXXX XXXX and XXXX  removed before sufficient documentation was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: I.C. System, Inc.
State: KY

Complaint narrative:
Ic system is reporting an account on my credit report that isnt mine. I wanted it delete off my credit repor immediately.

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 2020-08-25 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On or about XX/XX/2020, I purchased a one-year subscription to XXXX -a social media management App for business. However, shortly thereafter the XXXX stopped servicing customers and stopped access to all accounts. They even sent an email stating they were having issues and if we chose could request a refund. Needless to say, all such requests were ignored by the company. I then filed a dispute with my bank, Huntington Bank, and was assured all would be fine since I caught it in time. On XX/XX/2020, Huntington issued a letter stating they were issuing a provisional credit to my account for the charges. I even asked if they needed copies of the email correspondence etc. They said no. Today, XX/XX/XXXX, I received a letter via US mail dated XX/XX/2020, that they were in fact " denying my claim '' since the " monthly charges '' happened prior to the monthly billing cycle! 
First, this was not a monthly charge as stated when I filed the claim. 
Second, the company has no monthly charge of {$150.00} Third, it appears Huntington neither read the details of the claim nor investigated since the company is no longer in business and countless customers are up in arms with a simple google search. 

Of utmost concern for me is the inconsistency with how this claim was handled. They could not be bothered to read the details and decided based on facts ( yearly fee ) instead of conjecture and assumption ( monthly? ). I am considering closing my account over {$150.00} based on how this claim was handled. There are no substitutions for attention to detail in Financial matters. As of today, I am no longer referring to my business clients to this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX Citibank Credit Card sent me a letter saying they have closed my account because I have decided to use my rights in the Fair Billing Act/Truth in Lending. I filed disputes with the credit card because XXXX was charging me for someone else 's orders and orders that were cancelled. I tried to reconcile the charges with my XXXX account so I couldn't verify the charges. I received the letter XX/XX/XXXX. This is the first piece of mail I have received from them. They did not contact about these disputes to let me know what happened or needed anything from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Today XX/XX/20 I received an email from Capital One stating they have reduced my credit limit for no other reason other then I'm not using my credit to the limit each month. I have been a customer for about 10 years and pay my card on time and have outstanding credit ( well until today where this will hurt it ). I called the company to see why they would do this to a card member that has been paying on time, and they just said they do this from time to time. I've never in 10 years had a card reduced when I've paid on time and had no issues. They said they would not be able to reverse the decision and that I would have to wait 6 months for it to be reviewed. Of course this would include check my credit score, which again would impact my score! As a business Capital One has hurt card members during a time in which some people might need the additional amount for job loss or Covid related expenses. Apparently they have done this to not only me but thousand of good customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The CBE Group, Inc.
State: AR

Complaint narrative:
CBE COLLECTOR KEPT CALLING MY CELL XXXX AND MY WIFES CELL XXXX 13 TIMES AFTER CEASE COMMUNICATIONS THEY COLLECTING A DEBT FOR XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted Citi via the web chat function and spoke with a representative. I was laid off in XXXX and just returned to work last month so I needed some additional time to get caught up. I was allegedly enrolled in a COVID-19 forbearance program and was told my next payment would be due XX/XX/XXXX, and that I would receive written confirmation of this in the mail within 7 to 10 business days. No such confirmation occurred and I began receiving internal collection calls from Citi. Today, XX/XX/XXXX, I called and after an hour on the phone and having been hung up on several times, got to a manager in the " resolutions '' department who more or less told me I was lied to and there is nothing that she can do. I have the ability to make the XX/XX/XXXX payment that is due, so that is not the issue.

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 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XX/XX/20 requested mortgage refinance loan on line. 

XX/XX/20 submitted required financial information, paid loan lock in fee and received confirmation that required information was received. 

XX/XX/20 received notice that refinance was rejected. Received document requiring I sign that I accepted notice of rejection. On examining the rejection notice I became aware that only very general reasons were given for rejection including missing credit information ; excess outstanding revolving credit ; insufficient length of time with revolving credit issuers. None of these reasons were given specific parameters. None of them made any sense in light of my high credit rating, low revolving credit balance ( less than 20 % of monthly income ) and long term credit card history ( over 20 years ) with no history of failure to pay full monthly balance. 

XX/XX/20 received request to contact mortgage company to renegotiate loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: AFNI INC.
State: KY

Complaint narrative:
XXXX XXXX is reporting an account on my credit report that isnt mine. I wanted it delete off my credit repor immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: NY

Complaint narrative:
After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Equifax they failed to verify these inaccurate accounts with proper documentation. I rewrote them on XX/XX/2020 asking to delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2020-08-25 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 check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 11 XXXX   XXXX 12 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
2 billing periods in a row they have refused to provide statements. I have called complained opened a XXXX   case and emailed. They are telling me that they are not required to. It's very hard for me the consumer to pay expired statements for a 12 year loan it's critical for me to receive statements.

Company response to consumer: Closed with explanation