vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 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: IN

Complaint narrative:
today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or XXXX. Equifax requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX that has affected my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or Experian. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX that has affected my 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 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2020,, Cont Issues, Yes I Received ( 2 ) Letters,, Explaining The,, Unathorized Bank Account Settlement Claim Website,, Went To That Website, Too Many Times And Got The Same Response,, The Amotated Machine Said They Where,, Very High Call Volume And Put Me On Hold For About,, 5mins And Then Hang Up Repeatly, So I Just Stop Calling,, This Was Very Frustrated,,,, And I Called Again On,,XX/XX/2020,, Same Response,, Call AOn,,

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 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
on XX/XX/2019 my cell phone was misplaced. Two and a half months later I found it. I contacted my carrier and told them that I found another carrier ( cost was 1/3 of XXXX ) and wanted to switch. They immediately locked my phone and refused to free it for several months. I finally gave up and paid the ransom of {$140.00}, then switched to XXXX XXXX and received a new phone and phone number. I called the bank ( USAA which claim to cater to service members and vets ) and gave them my new number and told her that they could send the code to that new phone number. She replied that oh no they could not do that. Only to the number on record. As long as I had been a customer at USAA I was also unable to receive emails from them even though they had my correct address. So I was still not able to receive, thus respond with any codes thus not able to access MY account. I filed a complaint with the XXXX  which went nowhere. After not accepting their responses which basically changed nothing, the XXXX said that they had responded to my complaint, so case closed. Meanwhile, it has been almost ten months and I stilll can not see my data. What would you do if your bank suddenly allowed you no access to you account activity or account balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My son had a XXXX that was covered under XXXX in Virginia ( XXXX ). There are two doctor visits on XX/XX/XXXX and XX/XX/XXXX that should have been covered under our policy. The doctor, accountant, and XXXX all confirmed it would be covered. Then the bills started coming. When I phoned and wrote letters with the full information - the bill was sent to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for a Simplicity Citibank credit card and was denied. In the denial letter, Citibank stated that the denial was based on negative information reported by XXXX. After contacting XXXX and receiving a copy of my credit report, I was informed by XXXX that I had no negative information that could have been used in Citibank 's decision. After days and hours on the phone, I was finally able to contact a representative from Citibank who informed me that their internal records system showed I still had a negative account from XXXX ending in # XXXX. This is an error on Citibank 's end, as this account was included in a Chapter XXXX Bankruptcy in XXXX. Citibank declined my application for a credit card 12 years after the fact using internal records and data information that was not provided to any of the 3 credit bureaus, yet it was the main piece of information used against me when judging my creditworthiness. This behavior is unacceptable to me, to use outdated internal information ( that is actually incorrect and should have been properly been listed as " included in BK in XXXX '' ) for a credit decision that the consumer doesn't even have access to and can't properly dispute through the credit bureaus. I was able to obtain the address for Citibank 's internal dispute department and wrote them on two separate occasions, yet have not received any type of communication from them. Please assist me in this matter, as Citibank is completely ignoring me. Thank you.

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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This is regarding the current covid financial issue that was supposed to be placing everyone at ease with being unemployed. In XX/XX/2020, I submitted a request to Wells Fargo Home Mortgage for a three month deferred payment option due to the COVID financial crisis that put a strain on my ability to make those payments. I made my XXXX payment, never have missed a mortgage payment in 30 years and should have gotten no response until XX/XX/XXXX payment due. Since that time frame, I keep getting letters and emails from Wells Fargo that are completely unnecessary waste of paperwork. I then spoke to a customer service representative on a recorded line ( XXXX ) who said no worries about starting that next payment in XXXX. Unfortunately, they just send more form letters ( per their customer service rep XXXX stated ) that doesn't put my mind at ease with the financial stress. My next mortgage payment would be XX/XX/2020. I have excellent credit rating and do not like the way Wells Fargo is not handling this in a cordial manner. The nature of the financial deferred payments was to reduce stress of the people. Wells Fargo is failing to do this at this time. There were no notes in the file when I called them back on XXXX to clarify what exactly was going on internally with my mortgage. They then said that they would give three months more,

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 2020-06-22 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

DPTEDXXXX {$4000.00} XXXX {$11000.00}

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 2020-06-22 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

DPTEDXXXX {$4000.00} XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
They said I took out this loan on XXXX XXXX and there's absolutely no way that I could have done that because I live in a totally different state and this loan was taken out in XXXX so how could it have been taken out in XXXX. So they are changing the date to suit them. So I feel that this is discrimination and rasist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: WI

Complaint narrative:
The decision maker at Nelnet are willful in not honoring my request to delete my account from XXXX  and XXXX  ; Here 's my point please share with director of compliance, let me explain while there is no minimum time frame a account must stay on report there is a maximum. so at the sole discretion of any company they have rights to remove an account early without violating the fcra. 
I am writing to please ask the director of Compliance to honor my request to remove info off XXXX  and XXXX. Sincerely Resolution Sought Remove account from XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I attempted to link my XXXX  account to my bank account and they blocked the access to the account preventing me from getting funding from XXXX  ap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PR

Complaint narrative:
I receive a letter from Radius Global Solutions. The company request to paid {$2100.00}, for account of XXXX XXXX. I never has account 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 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I have tried to dispute this many times and they aren't willing to work with me. This account is not mine its a result of someone using my name and information fraudulently from a previous address. They are collecting and damaging my credit for an account that isn't mine.

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 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I had a mortgage with Ditech for many years. The loan was paid in full every month but the company refuses to report this to the credit agencies ( 3 ). When I made a formal report with the credit agencies as the information being inaccurate Ditech removed themselves from my profile completely. This affected my credit score. 
Ditech sold my loan in 2019 and did not fix this problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I was trying to open a brokerage account and i tried to link my pnc account to that account to fund it and was told there i can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CNG FINANCIAL CORPORATION
State: CO

Complaint narrative:
Payday loan was taken out in XXXX. in XXXX was contacted by a debt collector and made a settlement payment of XXXX dollars on the original loan amount of XXXX. received a letter stating it was settled and closed. in XX/XX/XXXX I received a Notice to XXXX XXXX  account, I was positive I paid it but was unable to locate paperwork. I had just been laid off and could not change a levy so I called and made a settlement payment of XXXX. After the payment was made my wife received a letter to XXXX and she located the original payment of XXXX. We attempted to contact the original creditor and they can not locate the account, we have called the collector from XXXX and # 's are no longer active, we called the creditor that sent the XXXX notice and have not gotten any were to get my money back or stop any levy actions, we have left several vm messages with no return communication. Debt was paid and cleared in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XX/XX/2020 : I received correspondence from Synchrony Bank ( PayPal Credit Account ) indicating a non approval for a credit line increase I had requested. 
I do not have an account which I was aware of with this bank and have never used this account, or made any requests with this bank. In addition I have never approved this account to be opened and they do not have my signature requesting an account. I have never received any billing information regarding this account and only became aware of it's existence upon receiving the letter dated XX/XX/2020. 
I called the number listed on the letter and informed them of the above. 

XX/XX/2020 : I received correspondence from Synchrony Bank indicating they were closing the account, contacting the credit reporting agencies, and starting a fraud investigation. 

XX/XX/2020 : I received a rejection letter from Synchrony Bank regarding a request to open an account and the rejection was for closure of the PayPal Credit Account. Why would I request to open an account when I had just requested closure for one? 

XX/XX/2020 : I received a fraud investigation form and completed and returned it within 5 days. I indicated that the strange charges appeared to be to individuals and not legitimate businesses. 

XX/XX/2020 : I received notification from Synchrony Bank indicating they were unable to approve my fraud claim due to : " Account opened greater than 1 year with verifiable payment history. ''

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 2020-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX complaint XXXX was submitted through CFPB for 3 inquiries from Capital One from dates : XX/XX/XXXX, XX/XX/XXXX with Transunion and Equifax, and XX/XX/XXXX with XXXX, XXXX  and XXXX. Capital One kindly answered that was going to take them off, on the answer to CFPB. 

The Credit Agencies neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. 

Please act according to the answer submited to CFPB, on your previous answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit card was charged to an ATM withdrawal that was not made by or authorized by me. I contacted Citi Cards within minutes of the fraud and the card was canceled and the fraudulent transaction was acknowledged. Citi Cards has since investigated the {$2700.00}. ATM withdrawal, and the {$130.00}. transaction fee, and the {$31.00}. interest fee for this XX/XX/2020 transaction supposedly in XXXX ( told to me by Citi ). Citi has since sent me a letter saying that I made the transaction ( traveled to XXXX from Texas ) and I was therefore libel for the money. I have repeatedly told Citi that I did not have any part or knowledge of this transaction and that the entire event was fraud. They Citi requested a letter from me to this effect and I complied. I have since contacted Citi Cards and they repeat that they have closed the investigation and will not reopen.

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 2020-06-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: DE

Complaint narrative:
Home Depot Account number XXXX XXXX XXXX XXXX Police Report - Case # XXXX Home Depot XXXX Home Depot Executive Response XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX Details : XX/XX/XXXX two charges were made at the XXXX XXXX DE Home Depot. In the amount of {$630.00} & {$2.00}. Home Depot card services looked up the purchased items and they were bathroom remodeling items. 

XX/XX/XXXX Two more charges were made. {$2.00} at the XXXX Home Depot and {$19.00} at the XXXX  Home Depot. 

I did not make these charges and filed a dispute with Citibank on XX/XX/XXXX. ( Citibank is the servicer of the Home Depot credit card ) I was told that someone in their fraud department would call and let me know what else was needed for the dispute to move forward. No one contacted me and the dispute was denied, since the purchase was made in store. 

On XX/XX/XXXX, I filed a police report and an appeal through Citibank. The appeal was quickly denied. No one is investigating this. No one will pull security camera footage and I fear that it may be too late to obtain footage. 

We did have a contractor do some work on the house in XX/XX/XXXX. Then again in XXXX - XX/XX/XXXX. XXXX was given my Home Depot credit card to make supply purchases. The credit card was always promptly returned. Only contact info we have is his phone number XXXX. He advised us he lived in XXXX DE. I have no way of knowing if this is relevant information. 

I do not know what happened. I did not make these charges. I am not supposed to be liable for fraudulent charges, but no one appears to be helping me. Ive asked for security camera footage of the New XXXX DE transaction every single time I have contacted anyone from Home Depot or Citibank. Was this transaction made with an old credit card? Pre chip? Was my credit card spoofed? Im well aware that its not easy to duplicate those chips, but there are reports of it having been accomplished.

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