vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SHM Holdings, LLC
State: CA

Complaint narrative:
I recently closed a mortgage with Strong Home XXXX, with title services provided by XXXX of California. I signed the paperwork for the mortgage on XX/XX/XXXX at my home. The mobile notary brought only one copy of the paperwork. Since signing the paperwork, the loan has closed, and the lender ( Strong ), the title company ( XXXX ), and the notary ( XXXX XXXX ) have been unable to supply me a copy of the papers that I signed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is closing branches and using COVID as an excuse. In my hometown, zip XXXX, there were 5 branches. None are open, they left one drive in teller to serve the community. Why not all drive ins? That might make senses under current conditions. 
Now Im at my summer place in CT and they are doing the same here. 
Using COVID is a very thin excuse. It appears they are doing this for short term gains at the expense of customers. 
I intend to find another bank when I get back home this fall. B of As customer service has been POOR, now there is no service. 
How can they just close branches? Isnt regulatory approval required?

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 2020-08-12 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: MI

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. CHAPTER7BANKRUPTCYDISCHARGED DPTEDXXXX {$540.00} DPTEDXXXX  XXXX {$10000.00} XXXX  XXXX {$3700.00} XXXX XXXX {$2600.00} DPTEDXXXX XXXX {$17000.00} XXXX {$4500.00} XXXX XXXX {$4000.00} DPTEDXXXX XXXX {$18000.00} DTEDXXXX  XXXX {$19000.00} DPTEDXXXX  XXXX {$6500.00} DPTEDXXXX XXXX {$8600.00} DEPTEDXXXX XXXX {$1500.00} DPTEDXXXX XXXX {$5500.00} DPTEDXXXX XXXX {$7700.00} XXXX XXXX {$1000.00} XXXX XXXX {$26000.00} CHAPTER7BANKRUPTCYDISCHARGED XXXX DPT ED XXXX XXXX {$6300.00} DPT ED XXXX XXXX {$500.00} DPT ED XXXX XXXX {$6000.00} DPT ED XXXX XXXX {$4200.00} DEPT ED XXXX XXXX {$8500.00}

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 2020-08-12 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: IL

Complaint narrative:
XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # 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 2020-08-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDNXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: CT

Complaint narrative:
I applied for and was approved for a secured credit card from Discover.  I sent them the money and for a period of time that is excessive, they have yet to release my card so that I can use it. 
While they sent me the card, I can not use it because they now claim that they are doing a " confirmation review ''. This now includes a request for my tax returns and bank statements. I posit this is something that should have been done PRIOR to taking my money which they are holding and most likely earning interest on. 
If they were not going to approve the application or if they were going to do several more layers of review, this should have been done prior to accepting money which is tied up. I can only believe this is an operating policy which profits them at the expense and inconvenience of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My company had a default judgement which i did not know until XX/XX/2020. 
The total money in our bank account was from SBA for Economic Injury Disaster Loan under CARES ACT we got back in XXXX for financial assistance. Under California Governor XXXX XXXX XXXX    Executive Order N-57-20, the fund levied from my business account is exempt from any attachment, levy and garnishment. 
I sent the documents from SBA that the money was from Disaster Loan and sent the copy of the executive order to the bank.

The banker escalated and told me that the money is not falling under exemption so that they are still seizable.

I asked to talk to supervisor and XXXX answered and giving me an attitude with lousy voice. She was telling me to talk to Sheriffs office  which i did. But, i told them to go over the documents that i faxed. She did not even care for it. 
What a great service that i got from Wells Fargo. 
I have been having a Wells Fargo business account for more than 5 years. Legal processing team was the worst department that did their job right. 
The bank is not supposed to take the money for CARES ACT ( financial assistant money ) and returning all the other scheduled payment and charging me for the 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 2020-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received an unsolicited US Bank Reliacard. I called several time and I am unable to get an agent. There is no email address to submit my concern and I couldn't find information on their website

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 2020-08-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}

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 2020-08-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}

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 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, Flagship Credit Acceptance sent me the attached letter stating that they " agreed to release the lien free title ( or SIF ) for the settlement amount of {$10000.00} '', which was offered from my Insurance company after my car was declared a total loss. In XX/XX/XXXX, they then reported a charge off amount of {$6300.00} to the credit bureaus. Upon realization of this, I contacted them via US mail, including the Attorney General and XXXX XXXX XXXX, disputing the charge off amount reflected on my credit report, as I have a letter clearly stating that Flagship Credit Acceptance accepted the amount paid by my Insurance company, agreeing to release the lien.

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 2020-08-12 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
My complaint is two-fold. First it is again XXXX XXXX as I made a reservation for a stay in XXXX, Hawaii on XX/XX/2020. As soon as the state of Hawaii put in a mandatory 2 week quarantine, I cancelled the reservation on approx. XX/XX/2020. I requested a refund of the total amount {$1000.00} less the service fee, or a refund of {$760.00}. My host, XXXX, told me to contact XXXX XXXX. The reservation was for the week of XX/XX/2020. At that time, when you called XXXX XXXX, they had a recording that said, unless your reservation is within the next 72 hours, we can't help you. I kept trying to contact them and could not get anyone to respond to me. I then put in a dispute with my credit card company that I used to make the reservation. After an investigation, they denied the dispute. I then called XXXX XXXX again on XX/XX/2020 and talked to XXXX who promised to elevate my problem and that someone would contact me. I called again on XX/XX/XXXX and was told the same thing, someone would contact me. No one has ever contacted me. I did not travel to Hawaii due to Covid 19 and the travel restrictions. XXXX XXXX has had my money for over 5 months. I feel XXXX XXXX would refund the money andor the credit card company should have approved my dispute. Please help!

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 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To whom it may concern : In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below : KOHLS/CAPONE Account Number : XXXX I also filed identity theft report with the FTC with the items in question. 
Please help me resolve this matter, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 ( e ) I  request that all the information circled on my credit report be blocked from my consumer credit file with your company pending full investigation. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is done to remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
So Ive had this account for a few months now and Ive had money deposited and taken out of the account a bunch of times. Ive been waiting for unemployment checks to get deposited into this account and finally it did last week and now they are telling me they dont wan na do business me with anymore and they are holding my money for 180 days then they will email me about receiving my money. Ive been waiting 4 months for this money and have bills months behind and when I finally get the money this company does this to me. Im devastated by this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several inaccurate and unverifiable accounts on my Experian report. I have tried to reach out to dispute these accounts as outlined by the FCRA. However, Experian has time and again chosen to ignore my dispute letters and demand to comply letter. Attached below is my dispute letter from over 60 days which has not received any response from Experian. They have failed to comply with federal laws and to provide valid proof of the validity of any of these negative accounts on my consumer report. All the negative and false accounts are outlined in my attached letters. 
Additionally, my attached Demand to Comply letter has received no response either. I sent all my letters via USPS certified mail and they show they were all delivered on time within a few days of the dates in my letters. These false accounts currently reporting on my Experian credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable date must be removed. I'd appreciate it if you all can assist with resolving this issue as Experian has not been helpful whatsoever.

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 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In spite of being an account holder in good standing with Bank of America for 17 years, they continue to place holds on my check deposit. The check comes from a well known brokerage but Bank of America places a hold saying it takes them 10 days to get the amount which is simply not true in this day and age. I have never experienced this with other banks. 
I am not being given the true reason of placing the funds on hold. 
This is especially heart breaking in COVID times when someone needs the funds ASAP.

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 2020-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have been a capital one customer for many years and i have paid all my credit card bills on time ; throughout XXXX and XXXX, I have made a grand total of {$990.00} on payments to my credit card, but every time i have made a payment, capital one has marked it as past due and this XXXX, after i had made a {$400.00} payment to capital one, they marked my account as past due to the credit reporting agency, which drastically dropped my credit scores to XXXX, which also put my house purchase in jeopardy since i have to close by XX/XX/2020 and the mortgage company needed a deletion letter in order to process the application. i had filed a dispute with XXXX  and capital one had reversed the late fee. but however, capital one refused to provide me with the deletion letter i needed, even after escalating to a manager because it will take 30 days to investigate which will end on XX/XX/2020 and another 14 days to provide the letter, which will mean that i will not be able to move forward in my home buying process and losing out on the home i wanted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I had a checking and savings account with HSBC for over about 10yrs over those period of years, I was having concerns with my account transactions but because I was reluctant to change a bank, I continued with them until about a year ago, I finally had enough of my account not being accurately reflecting my actual amount deposited and withdrawal. As a result, I contacted them and closed the account. Few months after closing the checking account, I notified them and went to one of their branches in XXXX XXXX, and worked with them to close my savings account. At that time, the never informed me of owing the bank. After few months, I started receiving letters from the bank that I am owing them {$250.00}. I asked how come I was owing and what did I buy from them to be owing them. I dont even have their credit card per-se, but they were not able to explain to me how I was owing them just because I closed my account. If I was owing why did you allow me that o close my checking account and even came to your office and finalized for closing the savings and nobody said anything. I keep ignoring their bill until they sent the bill to collection which has affected my credit score. Please reach out and let them remove that from my credit score, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX 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 2020-08-12 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX 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