vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, SYNCB add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I XXXX XXXX on XX/XX/XXXX, I walked into XXXX XXXX and purchased a radio to be installed into my XXXX XXXX. During the process of purchasing the radio I was told I needed to pay for the product before it could be installed, so I prepaid {$730.00} for a radio and was told I will received a call once the product come into the store. After two weeks I did not receieved a call to come get my radio installed and decided to call the merchant to see what was going on. The I left two messages in which the merchnt never called me back so I decided to dispute the amount with my bank ( Bank of America ). I disputed the transactio with BofA in which it took over 90 days to get a respond so in the meanwhile I called the merchant to try to get my money return, in which the owner XXXX stated the guy who serviced me is no longer employed and was terminated due to loss of product from his company. I tried to explained to him I purchased a radio and did not get it installed and he say " I do not know if you did or not ''. So after finally awaiting a reponse from my bank he sent Mastercard a stated saying he mailed the product to my home in which he did not. So I made a rebutal with BofA and during the process of the rebutal he told Mastercard he will install the product in which he has not as of today. Also I would like to mention due to the mutliple transaction of dispute a timeline of returning my money has expired and now I am out of a radio, installation charged and time. I am a cosumer who was fooled out of {$730.00} for a radio installation from a non XXXX owner. I tried to persue XXXX in which he is not accredited shop and nothing can be done. The name of the store is XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The owner is XXXX XXXX. XXXX claim # 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 2020-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Every year when it comes time for the Income Driven Renewal the federal loans are are renewed correctly. When the FFELP loans are in need of renewal which is at a later date than the federal loans Navient claims new forms need to filed. The link in the Online Account communication for renewal of the Income Driven Repayment for FFELP loans provided by Navient in the online account sends the person to the Federal Student Aid website which already has the information in their data base for the filing of the federal loans which renewed a few months before. Navient claims that this information can not be used and new forms need to filed for FFELP which leaves the consumer in confusion. The link Navient provides in the account directs the consumer to the Student Aid site but Navient claims the information submitted isn't valid and that a new form must be completed. I do not see how Navient is following federal guidelines if they are deciding what information and forms can and can not be submitted when federal guidelines provide them with direction for renewal. I submitted the information to the Federal Student Aid website in XX/XX/XXXX for the XXXX year. The FFELP loan needs the information submitted by XX/XX/XXXX for the 2021 year. Navient refuses to use the information submitted although the Federal Student Aid website states the information submitted is good for one year and needs to renewed at the next renewal date. I called and spoke with a service agent on XX/XX/XXXX XXXX XXXX in which I was told new forms had to filed for the FFELP program which the Federal Student Aid website does not state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
The mortgage lender claimed that I did not have HOA insurance on my property which is not true. I have the official copy of the HOA insurance and tried repeatedly to provide the proof of insurance to the lender via website, email, and phone. 
Every time I talked to a customer service agent from the lender, they assured me that the information I provided was sufficient and the problem would be solved. However, the lender kept sending me the letter saying I did not have the insurance and threatened to charge me {$45000.00}. And the lender has already started to change me. 
I again tried to provide my proof of insurance to the lender. But they have not accepted it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Guild Holdings Company
State: CA

Complaint narrative:
I have a dept of {$1000.00} own my credit report was unauthorized by me and I had no knowledge of. I filed a deed and Leau in 2017. The original loan was with XXXX XXXX  XXXX. I was sold to Guild Mortgage Company. 

Guild Mortgage Company Attn : Customer Service Department XXXX. XXXX XXXX XXXX XXXX, CA XXXX. I contact XXXX, NJ a service mortgage company in NJ that will not own up to putting own my credit report. I was never contacted by mail or anything. This is a unauthorized impact own my credit score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under The Bureaus Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as XXXX XXXX XXXX had not responded and a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Applied for a jumbo loan with Wells Fargo, {$4.00} XXXX. I have {$30.00} XXXX in assets and am inheriting {$5.00} XXXX this XXXX as a one time gift. 

Wells Fargo had all of my documentation over 2.5 years ago when we obtained a construction loan and there have been no new material changes. One of my commercial entities had late payments on a commercial mortgage 5 years ago, the account is not past due and has not had any negative credit reporting but Wells Fargo underwriting has decided that is reason to now decline my loan. 

I have had my rate locked for over 2 months and am 3 days away from being able to move into our new home. Our family has received no communication that this was even question and our bankers have been on leave multiple weeks. 

A decision not to do the loan is completely acceptable but they ( Wells Fargo ) gave no indication at any time it was not approved until today ( XX/XX/2020 ). We requested to put even more money down or any amount they requested as well. We have already paid {$2.00} XXXX down on the home.

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 2020-12-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lenderfi, Inc.
State: VA

Complaint narrative:
We prepaid roughly $ 3k in escrow during our home refinance experience with Lenderfi.

Several months later, we learn no payments were made to our home insurance firm, XXXX XXXX and we received a threat of cancellation notice in the mail from insurer. We called Lenderfi, were told they had computer issues that had complicated payment and they had been resolved on XXXX XXXX during my phone call with customer service. 

A week later, our insurer told us that never happened, they still hadn't been paid. I called Lenderfi again on XX/XX/XXXX and was told they weren't able to make an escrow payment as someone had failed to input our insurance information into their computer system although we had been making and they had been keeping escrow payments. We were told this was elevated to manager level and would be handled within 48 hours. 

Today, XXXX XXXX, our insurer told us they still hadn't gotten anything from Lenderfi. I again called Lenderfi and again they said nothing had been done yet and asked us if we could front them the $ to avoid the cancellation notice and they would " pay us back. '' Three days before XXXX. As I sat in a parking lot with a XXXX year old and was bounced between one customer care person to another.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: KY

Complaint narrative:
I had some check free bill pays to 3 credit cards rejected by XXXX XXXX without notice. I contacted check free bill pay on XX/XX/2020 and they were very helpful and found 52 bill pays rejected and returned by XXXX XXXX ranging from {$1900.00} to {$2400.00}. These are not in question by CFBP, they were forthcoming in disclosing these. I have bill pay payment dates and amounts on 3 credit cards that were returned to CFBP and are in their system as such. 

However, CFBP wants me to go to XXXX, where the payments were made, and wait while XXXX processes these 1 at a time. I am a XXXX yr old male who had a XXXX XXXX 1 yr ago and under the circumstances i find it to be a very dangerous idea. 

Can you please have CFBP issue me a lump sum check for the funds they have that were returned by XXXX XXXX? 

Thanks, if you need the account numbers please let me know 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 2020-12-21 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: GA

Complaint narrative:
XX/XX/XXXX, I had a positive balance and filed and paid a stop payment for an insurance payment of $ 230+ that was not to be deducted from my acct. Wells Fargo rep did the transaction in error. The payment went thru on XX/XX/XXXX and overdraft my acct. I called Wells Fargo and asked why didthey pay. I was advised that they did a stop payment for $ 400+. I immediately told them it was incorrect and advised I specifically told the agent the amount was $ 230+. They immediately apologized for the error and redid a new claim free. In the meantime, I have had other transactions that have cometh which would have been covered had they done the correct process. They have also failed to put the funds back into my acct stating that they are still processing the claims. I have received several overdraft fees for those transactions. I was told they were going to put the funds back and credit for any overdraft fees. Its has been several days, over 5, and they have failed to correct my acct. I can not deposit any funds. I keep being told the will correct it and nothing happens.

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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are several inquiries on my credit report generated by Transunion. Particularly, there are XXXX inquiries on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquires are as follows : XXXX XXXX XXXX  XXXX, inquiry made on XX/XX/2020 ; XXXX  XXXX XXXX XXXX, inquiry made on XX/XX/2020. 

I have no business or open accounts with XXXX XXXX XXXX XXXX. I do however have an active credit card with XXXX  XXXX, but NOT AN AUTO LOAN. Nevertheless on those specified dates, I did not have any interaction with either XXXX XXXX XXXX XXXX or XXXX  XXXX XXXX  XXXX. When I called XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX, they said because they do not have any accounts with them, they could not have possible issued any inquiries for me or on my behalf ; not to mention, they said they DO NOT have a record of making any inquiries. 

By way of certified mail, on XX/XX/2020, I wrote Transunion and disputed the foregoing inquiries. ( See attached copy of dispute letter with proof of service ) Having NOT received any notice or response from them regarding the inquiries, on or about XX/XX/2020, to no avail. To date, I have yet to receive any written correspondence from them regarding these disputed inquiries.

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 2020-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The unverified XXXX XXXX # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information affecting my ability to secure a mortgage to buy a property due to low score. XXXX XXXX has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the fraudulent account claiming that was verified but provide no evidence of the verification and ignoring all the facts requested affecting my credit for years without taking consideration of all the emotional, metal and economical aspect affecting my family and I to secure the basic need of owning for the first time a house. This account should not be reported in my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I'n XX/XX/2020, private student loans went out of forbearance. I am currently enrolled at XXXX XXXX University but I was on a break due to Covid and went back effective XX/XX/2020. I have been working with Wells Fargo to get my enrollment updated to them so my student loans could go back in forbearance, but in the meantime would make payments to ensure my credit would not be negatively affected. I was receiving many calls regarding my loan after making a payment in XX/XX/2020, but on XX/XX/2020 after receiving another call the Wells Fargo Rep removed my number since I told them all of their calls seemed to me like harassment. The Rep never asked if they could remove it but did it on their own. After making a payment in XXXX with my new address, Wells Fargo never updated my account to reflect the new address. I assumed since I am in school my loans went back in forbearance as I never heard back from Wells Fargo regarding my accounts for the entire month of XXXX. Instead, on XX/XX/2020 I received an email from Wells Fargo asking for me to contact them regarding my account. When I called on XX/XX/2020, the Rep informed me they tried sending me a letter to a bad address and removed my phone number. I was also made aware my account was over 30 days past due and it was reported to the credit bureaus showing over 30 days past due. I've been told my many Reps but after specialist, XXXX ( Case # XXXX ), reviewed my case she yes they made the error to remove good contact information and didn't update my address to match my updated billing information since it's not their job to do such. This situation is an Unfair, Deceptive, and Abusive acts and Practices due to the nature of events. If known my account was subject to negative credit report, I would have brought the account under 30 days past due, but the fact my phone was removed out of my account without my permission and only an email sent to me after reporting the accounts past due Wells Fargo is deceptively playing unfair to peoples lives and credit. I believe this error is Wells Fargo 's fault and I should be allowed to bring my account current and have Wells Fargo update and remove the negative credit remark off my credit report.

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 2020-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Sent an international wire transfer from XXXX XXXX XXXX ( Sequence # XXXX ) for {$100000.00} ( QRN # XXXX ( transaction number ) ) to an account ( XXXX ) at XXXX XXXX XXXX, using XXXX XXXX XXXX XXXX XXXX as the intermediary. The recepient account company name has since changed ( XXXX, now XXXX ), even though they still regularly receive payment using the previous name. The transfer agent told receiving company representative that the wire would be returned so it could be re-submitted with new name. They used JP Morgan as the intermediary bank on the return wire ( XXXX case number ). 

Both XXXX XXXX XXXX and XXXX XXXX XXXX say that there is nothing they can do to trace the return wire, as it's stuck with JP Morgan. As the intermediary bank, neither the sender nor the recipient is a JP Morgan customer, and each bank is pointing at another.

Company response to consumer: Closed with explanation