vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I check my credit today and I discovered my transunion and my XXXX  had drop my trans  severely so I look to see what the problem was 1 there's a charge that has been on my credit since 2017 and it's listed several times on my credit 2nd they stated my credit drop because of my credit card use and said it was under XXXX left on it, this confused me because my credit card just sent a text message to my phone of available credit over XXXX, and my payments made on time in a pandemic not working I make my payments on time and my score was drop over 65 points on XXXX  and transunion 31 points this has been a constant problem then I'm offered these extremely high interest rates in anything I purchase, I make my payments on time my copay for medical is XXXX iv filed multiple complaints this has made me ineligible for decent credit for over 3 years I can not but a home because my credit score constantly drops because I'm paying my credit on time, this has become XXXX  and there is nothing that is done, I believe it is racial recrimination in credit reporting companies and minorities are left to higher interest rate no homes and a credit system that is allowed to continue, I check this with XXXX  XXXX  to day and I'm just XXXX  and angered

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 2021-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne is a fraud I made payment by the statement date and was still charged interest. I called to get the interest charges refunded but customer service agent lied and didn't provide correct information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr Cooper, the mortgage company servicing my mortgage loan has reported " 1missed payment '' to my credit history which is absolutely incorrect. My monthly payments are always made on time. I have been making my mortgage payments through the same bank for years, and all the records are there confirming the validity of my complaint. I have spoken to numerous agents at Mr Cooper to no avail. My last call was with XXXX XXXX on XX/XX/2020 who said someone would try to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was scammed on out of XXXX, I sent a merchandiser money for a product that I never got. Before I XXXX XXXX the money I called Wells Fargo and asked them if I do not have my stuff will they refund my money the rep said yes. I put in a claim today and they denied the claim because the transaction was with 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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Hello I'm currently assisting my elderly parents on a home re-finance. This has been through Navy Federal Credit Union. 

The process started on XX/XX/2020. It has still not closed. I have provided all necessary documents within 24 hours ( without delay on my end ) of me being asked for any documentation. 

At the inception of the loan process Navy Federal advised that they were having delays because of the volume taking place. I can understand that. 

However I have had very little communication with my loan processor. I have emailed, called and left voicemails. When I had 1 response to call me as I had additional questions it was again followed by no more responses. 

Personally this has been one of the most unprofessional financial transactions I have ever dealt with. I finally did get some traction however. On XX/XX/XXXX after responding to a survey from Navy Fed if I was still interested in the mortgage I had a response from a REL Resolution Specialist. This person appears to be getting everything back on track and is responding within 3-6 hours of my emails.

After this help it seems like the loan processor created a new application in error then sent a corrected one. It's now been quiet again and I'm still waiting. I wanted extra insurance and signed a rate lock because I'm not confident Navy Fed can deliver this loan in a timely manner. 

Navy Fed also has a large amount of older Veterans that they work for and I think it's a shame that they allow this level of service to occur.

While I may not have all proof of incoming calls. I have kept all my email correspondence with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received a text message from XXXX reading " Your Wells-Fargo Account has been placed on hold. Please review your-account here : https : //verify-accountwells-fargo.us/ I have no Wells Fargo account. 
So this seems to be some kind of phishing scam.

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 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Multiple cards for XXXX XXXX charged on my account. They have done nothing. 

Starting in XXXX XXXX by BB & T 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 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a balance transfer through Citi and then made purchases with the card after that. Apparently, by making purchases, I then had interest charges that I was then on the hook for when it came to what was initially supposed to be 0 % transaction fee. 

When I reached out to Citi, no one was willing/able to help me with this issue. I was also told I would get phone calls when I didn't and that there wasn't a superior that I could speak to.

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 2021-02-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
This complaint is connected to the one i filed ID XXXX, where they presented some documents that are partial or lacking some pages to it. I have some of the documents that they didn't submitted in response to my complaint.

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 2021-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Please refer to a previous XXXX XXXX, As of XX/XX/21 XXXX is threatening to sue me for an auto debt. I was deceived by using XXXX buying a used car with lots of miles. They deceived me by thinking I purchased Gap Insurance instead they sold me something else. Why would I purchased it if they car had lots of miles in excess of XXXX. It was in a car accident and paid off thru XXXX and the difference is what they are going after. Multiple times I tried working out a payment plan but they dont work with non profit credit organizations. They continued calling me and my employer took my phone away bc it was for business purposes. I am currently laid off so this intent to sue keeps me up at night. Its not a joke but my lively hood. I hope they would understand where I'm coming from. They have attempted to contact my previous employer so they are not happy about that. This worries me so much since I am trying to get my job back and this does not help my getting rehired. I can pay XXXX dollars a month, please take in mind it was never my intention to incur this debt with them. They are ferocious when it comes to collecting.

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I would like to re-implement the security freeze on my credit report with Equifax. I logged into my account and received the notice that " We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details ''. When clicked, I am instructed to call. I have now called three times. I can not get through to any representative because the security questions I am being asked are not about me - i.e. you opened an auto loan in XX/XX/2017, who was it with. I do not have an auto loan and never opened one. Then the next question is how much the loan is for! I can not get through to a rep without verifying, but the info they are attempting to verify me with is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX and XXXX starting call me and my relatives misrepresenting themselves as a law firm hired by US bank to collect on a d debt and that if i dnt pay the amount they would sue me in court and report my debt to all credit reporting agencies. This harassment was so unprofessional and needs to stop. The calls to me and my relatives needs to stop. The treats of ruining me needs to stop and this collection agency needs to stop representing themselves as a law firm working for US Bank. I have never been informed of this debt that supposedly took place in 2010 11 years prior. I have never had any correspondences in the past about this matter until this company XXXX XXXX and XXXX contacted me and my relatives and sent me a email. I tried to locate the company with the address they provided on the letter in the email and no company could be found a this address. the receptionist is states they are many law firms but wouldn't clearly identify themselves. I don't even believe this debt is 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 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: OH

Complaint narrative:
I never had company or use it before they are saying i sign a contract for 3 years which i didnt. Just for them to leave me alone, i made payment plan for XXXX  every paid period. I dont owe them at all. Protect America there collections are called complete credit solutions

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 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of fraud and made a police report and I have disputed more than 15 accounts that do not belong to the 3 credit bureaus but I experience it is the only company that has not eliminated these accounts, I have been sending you a police report for more than 6 months personal information and they say they can do nothing if the creditor does nothing and that the creditors confirm that it is me. I have called the creditors but they say that they do not receive anything from Experian to dispute the account and that they do not have to certify to Experian that I am the owner of the account because they do not have a photo of my ID or any contract. This is hurting me and experian is not complying with the processes established by law. All the representatives give me different information and no one wants to help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened a Synchrony XXXX XXXX XXXX credit card and I subsequently paid it off timely as I do with all of my accounts. 


XXXX XXXX Payment of {$500.00} Balance of {$1800.00} XX/XX/XXXX payment {$1000.00} balance of {$1300.00} XX/XX/XXXX payment of {$500.00} balance {$850.00} XX/XX/XXXX Payment of {$300.00} balance of {$550.00} XX/XX/XXXX Payment of {$200.00} balance of {$570.00} XX/XX/XXXX payment of {$570.00} no balance Paid in full Somehow per the credit report they found an additional {$10.00} to charge me on something I did not buy. So I was reported XXXX in XXXX, XXXX, XXXX, XXXX. In XXXX they closed the account it shows CBG. I called and Spoke with someone on XX/XX/XXXX and they advised my score/credit would be fixed by XXXX. However, they updated my report to say it was closed on XX/XX/XXXX Owing {$0.00}. 

This did not correct my report I was attempting to get approved for a house and this has through a complete curveball at me. I've never paid anything late and I pay all my accounts in full and on time. Please review with Synchrony and have them correct there records. Not only did I not pay late but they closed my account and did not correctly report me as paid in full. I expect my credit report to be correct to show my account was Paid in Full as of XXXX and the late payments reported to be corrected.

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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Lender had been placed policy cause of lapse make a payment by mortgage to home insurance I had made renewal on XX/XX/XXXX20 ahead of insurance expired XX/XX/XXXX20 also had informed mortgage for billing, amount and fax them a declaration page then on XX/XX/XXXX20 I had receive a call from insurance about the payment then I had directly call mortgage /insurance department and had them both on the line then they promised to make a payment then balance was added to my account for {$1500.00} on the next day as my understanding I had got all covered until I've receive final letter from mortgage on XX/XX/XXXX20 mention about my house wasn't have insurance cover then I had call insurance to get all it fixed then email mortgage a prove of previous policy as I wished I wouldn't have to pay for any extra then got balance of {$500.00} added to my account on XX/XX/XXXX20 for lapsed cover from mortgage then another {$150.00} on XX/XX/XXXX20 from my insurance cause of premium rate increased while the house is not insured then I call mortgage for several times and I had been speaking with several person for the charged and each person gave me difference reason until I was asked them to get it reveres also responsible for premium charged from insurance because I had handed all information to mortgage and they had promised to make a payment to insurance since we last confirmed so It shouldn't turned out by got me pay for all extra charge cause of delay of payment by mortgage, then I had mortgage review my request for twice its turned out a carriere fault the mortgage sent out a check on XX/XX/XXXX20 but it was delay on transit then insurance was cut on XX/XX/XXXX2020 because payment never received on time as promised and I never ever receive any notice before they had cut my house insure until I found out from mortgage on XX/XX/XXXX20 as a result of second review they should clearly see that was not my fault and of course not insurance fault as well then I was question to mortgage about follow up payment they should be ensure that the payment should be received before due date and also they should be aware about the insurance was already expired on XX/XX/XXXX20 which is mean they have not much time left before insure had cut before sent out a check as a regular mail on XX/XX/XXXX20 why not make overnight payment instead? 
the answer from mortgage is not as they fault and even though their had relied it was cause of unusual pandemic of covid-19 could delay the carrier as it took longer period of time for proceed a check to receiver and it was too late for insurance to keep house cover more than 30 days without payment and insurance they could not back date as we tried to asked them for help, also mortgage still charge me for {$500.00} whatever reason I had proved to 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 2021-02-09 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: Conn's, Inc.
State: NC

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XXXX/XXXX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid off my loan with a wire transfer on XX/XX/2020. The mortgage servicer did not post the payoff until XX/XX/2020, costing me one day of interest.

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