vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CT

Complaint narrative:
Received yesterday an XXXX of XXXX XXXX  XXXX card and activated it at MyPrepaidCenter.com. Its value is {$100.00}. After registering, I attempted to make a purchase on XXXX, which is listed as one of the stores where the card is accepted. The attempted purchase amount was {$50.00}, but the transaction was declined. I thought I may have typed in the number wrong, so I tried again, but it was declined again. I attempted to contact MyPrepaidCenter, but the automatic response system does not give me access to a person. Finally, after just one hour of this, I noted my balance was {$97.00} with no transactions noted?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Although the matter documented in the attached ( XX/XX/XXXX20 ) letter to Wells Fargo Senior Executive Vice President & Interim CEO of Consumer Lending ( XXXX XXXX XXXX XXXX was timely assigned to Wells Fargo Exec Office Case Specialist XXXX XXXX on XXXX/XXXX/20, I am yet to received the written response letter promised by same w/in " 10 business days '' from her XX/XX/XXXX20 email. 

I have now followed up w/ Ms. XXXX on 3 separate occasions ( including via telephone on XX/XX/XXXX and email on XX/XX/XXXX ), but am yet to receive the promised correspondence.

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 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent numerous letters to Experian disputing the information that they are reporting. Everytime they come back as valid. I recently located the response letter from XXXX XXXX which debunks all Experians claims as the information is valid. I have tried over and over again for them to understand the information is not correct and they refuse to accurately research and confirm, they just run it and come back days later that its accurate. I have sent them information over and over again with no truthful results from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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

Complaint narrative:
I am a Identity theft victim. This is the worst thing that has happened to me. I've had perfect credit for years. There are two accounts that were opened fraudulently on my credit profile. I request that they be removed immediately! I have uploaded my Identity theft report, the description of the items and my other supporting documents!

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 2020-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
I received a notice yesterday ( XX/XX/XXXX ) that my escrow account was underfunded for XXXX and my escrow payment would be increasing in XXXX by {$700.00} a month ( {$8400.00} ) a year. This would be a roughly 60 % increase in my monthly payment. 

I called Investors Bank and they said it was because my account underwent a review in XXXX and my escrow was deficient and there were also increases in the estimated escrow for XXXX that needed to be spread over 12 months. 

I think this is terribly unfair for a bank to give a customer two weeks notice that their monthly escrow is increasing by {$700.00} per month for the next 12 months. There should be protocols in place to identify this shortage or under-funding well in advance of the new calendar year. 

How are families supposed to budget for this type of increase, especially right before the holidays?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: IL

Complaint narrative:
Paypal prepaid barred me from using their cards for the rest of my life. They didn't tell me why. I added cash to the card and changed the address on the account and after this I was barred for life and don't know why. They never allowed me to use the cash but told me that they would send me a check in the mail for the amount. I asked them why I was barred and I was told that they are not at liberty to give me a reason.

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 2020-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I was an XXXX XXXX XXXX student which was part of the predatory loans tactics managed by Sallie Mae/Navient. 
the U.S. Department of Education Borrowers defense provided loan forgiveness for my federal loans. 
Sallie Mae/Navient Office of customer advocate has yet responded to my efforts of fillings forms sent by XXXX XXXX department to have private student loans forgiven. I received notification via mail in regards to the predatory private student loan lawsuit filed Villalba v. Navient. Deeply need assistance in resolving this malpractice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
Back in the begginning of XX/XX/2020 I called my mortgage company Caliber Home Loans advise them that due to the pandemic covid-19 our hours were cut so it made difficult to pay the mortgage, the representative from caliber stated due to my FHA loan I can put my loan on covid-19 pandemic forbearance plan and it wont be reported to credit reporting agency and we dont have to pay until the end of 6 months up you can if not and your still struggling it can extend for another 6 months. But since we on this forbearance for 3 months now I have been getting phone calls, I got a certified letter that I had to go to the post office to sign for and it was from Caliber Home Loans stating I am past due on our mortgage and it is imperative that I make immediate arrangement on my account. I feel threaten by them as though they are not on the same page as the other representative who made the arrangement with me. This is not the first time having issue with them. This needs to be resolved and compensated for what they put us thru stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: SC

Complaint narrative:
We traded in our XXXX in early XXXX. We received a letter from Volkswagen Credit XXXX XX/XX/2020 stating our loan had been paid off. On XX/XX/XXXX, we saw we had a pending payment to Volkswagen Credit for the loan that was already paid off. We called Volkswagen Credit immediately and were told that the payment would have to go through. They would refund the money in two weeks. I said that since the money should never have been taken out in the first place, it should be refunded immediately. The woman said that would happen. Today, XX/XX/XXXX, I called again to check on the status of the payment. Nothing had been done. A second woman said she would request the payment be XXXX XXXX  and we should see it be the end of next week. I asked that we receive the money on Tuesday since this money should never have been taken out of our account. 

Volkswagen made two errors. The first was not terminating the automatic payments on a timely basis. I would think that would have been done that when the paid off letter was sent to us, XX/XX/XXXX. The second one was not refunding us our money on a more timely basis since the money should never have been taken from our account in the first place. 

Volkswagen Credit should have the letter sent to us along with recorded calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
It appears that someone has stolen my identity and got a lease in my name. I disputed this information with the collection agency and they sent me back the information that is attached. As you can see the signature on this paperwork that was sent the me from Absolute Recovery Services does not match MY SIGNATURE as evidenced by my driver 's license. This information must be removed from my report because it is not me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
We sold our house on XX/XX/2020. The mortgage was paid off by the title company on XX/XX/2020. 

The MORTGAGE is STILL OPEN IN THE PUBLIC RECORDS of the XXXX XXXX XXXX, XXXX, NJ. 

I have contacted Shellpoint Mortgage Servicing on many occasions, by phone and email, and they are not responding to my request. 

I spoke to the county clerk and they said to find out how the cancelled mortgage was sent in because their on-line system has been down since XXXX and they have no record of receiving anything from Shellpoint. 

I gave this information to Shellpoint and asked them how they sent in the cancelled mortgage. They have not responded other than to send me the same letter over and over again that they received my inquiry and they are working to gather the information. 

I am getting nowhere. I finally asked them on a couple occasions to please just mail in a duplicate cancelled mortgage to the clerk, so we can get this off the records. 

This is impacting our ability to apply for a mortgage - because no lender is going to give us a mortgage if it shows we still have an open one. We have a very small timeline to get a mortgage because of our rental lease expiring.

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 2020-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was transferred to Mr. Cooper from XXXX. On XX/XX/XXXX, XXXX transferred the remaining escrow balance in my account to Mr. Cooper in the amount of {$5000.00}. On that same day, the {$5000.00} is shown leaving my Mr. Cooper account then subsequently being reapplied to my account. On XX/XX/XXXX, the amount was again deducted, reapplied, and deducted once more. For two weeks, I let the account sit to see if the money would come back. I called and was told they would check on that for me and call me back. I received no callback. I called in again and was escalated and told the issue would be resolved. No resolution. I called a third time. A week after my third call, an amount totaling {$4700.00} was applied to my escrow, short {$260.00} of the total missing amount. I've since called a fourth time and been told the issue was still active with account services and to expect a response by Friday ( yesterday ).

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

Complaint narrative:
There are numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was not initiated or authorized by me and was a result of malpractice or an error.

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 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This is now my 2nd complained with the Consumer Financial Protection Bureau for this issue. I told you all last time Wells Fargo was intentionally lowering my credit limit due to a " late payment '' on my credit card account which was due to covid and their call centers being closed. My account is current and has always been current. My credit history is perfect, but after this 1 late fee I called Wells Fargo multiple times, including their executive office, but they would not refuse the late fee. 

I then filed a complaint w/ theXX/XX/XXXX. After the XXXX XXXX XXXX investigation, Wells Fargo lowered my credit limit from {$11000.00} to {$8300.00}, then I filed a complaint with the CFPB. After that complaint, they lowered my credit limit to {$6400.00}. I then filed another complaint w/ the XX/XX/XXXX and what do you know, my credit limit has now been lowered to {$5100.00} which is RIGHT above my current balance of {$5000.00} as of this complaint. 

So now for the 3rd time, I've been intentionally targeted in having my credit limit lowered thus hurting my credit even more. I'd like to speak to someone at the CFPB or my next steps are to call my Congressman because Wells Fargo at this point is being CRIMINAL. I give the CFPB permission to pull my credit history, run a hard check if you must. You will see 0, I reiterate, 0 missed/late payments throughout my report. I have 12 active accounts, 0 issues EXCEPT for WellsFargo. 

I'm looking to have the late payment removed from my credit report, and would like to know my options at this point for pressing charges as this is obviously DELIBERATE attacking of my credit at this point.

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 2020-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Upon checking my credit report, I noticed a card issued in my name but was for a company account that I did not authorize. I have repeatedly requested from Chase Bank that they send me the signed agreement which they have not done. 

It has been over 10 months and nothing from Chase, no proof of any contract that I ever signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Debit card was used at a Casino on XX/XX/XXXX for {$590.00} and then at Chase Bank in XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX at XXXX XX/XX/XXXX for {$980.00}. I was in XXXX at the time and called immediately Chase fraud when the charges came as an alert on my phone. I asked to block charges and they said it will be done. Next day the chars were posted. I submitted a dispute with documentation that showed I was in XXXX, XX/XX/XXXXat the time of the charges. A detective has been assigned and is investigation as they will press charges against that person. 

I received refund for the {$500.00} for the XXXX XXXX fraud, but never for the {$980.00}. A police complaint was filed with the XXXX Police Dept. Chase escalated to Executive office and indicated that card had chip and pin thus it could not have been fraud. I am trying to get video which Chase refuses to provide. I never received anything in writing from Chase only a call. 

This was clearly fraud and Chase refuses to help in any way

Company response to consumer: Closed with explanation