vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Since XXXX of this year, I have been working with Wells Fargo to sign a split-sign loan modification for the COVID relief fund. There have been numerous delays and incorrect documents sent to me. I have called them at least a dozen times for updates on this loan and they were never able to give me an answer. I have sent in the forms 3 times, only to have them destroyed and blanks sent back to me saying what I need to fill in, without mentioning what was missing previously. 

The last time I sent in my signed and notorized documents, I called Wells Fargo and had a Home Preservation specialist walk me through all documents and confirm that I had all forms necessary before I sent them in. That was 3 weeks ago. Today XX/XX/21 I received blank copies again stating the same requirements, again, missing the comments as to what was missing previously. 

The home preservation department and who ever is receiving these documents are obvious

ly 2 separate entities because no one has any idea what is going on with the other. This is the second complaint filed for this purpose, their executive
contact reached out to me and did make an effort to remedy this but as of today, I see no positive results what so ever of that attempt. I have only received calls from my home preservation specialists 3 times, leaving a message, but never being available when I called back. I have never spoken to my assigned home preservation specialist, who has recently changed names. 

I need someone, in person, to walk me through what is needed. I also want to be sure I am being protected against foreclosure because of this horribly managed process that will now take several weeks longer to address. 1 party that needs to be present is in the military ( contractor ) and is often overseas and is limited to what mail he can receive. 

This is an absolute mess. I have never dealt with worse communication regarding someone's basic right to have a roof over their head. I would appreciate much greater attention to this matter this time around rather than just forwarding it to my bank like the last time this complaint was made.

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 2021-09-27 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: FL

Complaint narrative:
603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. 

On XX/XX/XXXX I sent a second dispute to Equifax regarding an inaccurate/ fraudulent Medical bill that they are reporting on my credit. I was never in the hospital when the bill stated that I was, and my insurance has no records for any request for payment for the bill in question. 
Equifax sent me a statement report on XX/XX/2021 report # XXXX The report states that they have investigated item account # XXXX and that the item belongs to me. 

Equifax did not provide any details as to how that Item was found to belongs to me, Per the dispute, I requested for the second time that Equifax furnished proof that such an item belongs to me and a copy of the HIPPA release form that I signed by me authorizing my medical data to share with these above-mentioned third parties. This is a clear violation of my rights according to HIPAA. XXXX XXXX XXXX and Equifax for the second time failed to furnish the requested proof yet, the negative item continues to reports on my social security credit device.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is my second complaint with XXXX and Equifax on why these addresses that do not belong to me are reporting on my credit report. XXXX is reporting the following addresses that have never belonged to me : XXXX XXXX XXXX XXXX, TN XXXX and Equifax is reporting the following address that does not belong to me and I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX I have sent letters every month for the past three months and they have not sent me any update on removing these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A few months ago, I realized that Citi was charging me for {$67.00} per month for a " XXXX  Program '' that I never signed up for. After research, I realized that this has been a litigated matter in the past. I am positive that I have not signed up for this. I have requested a refund with them but they declined ( please see attached ). 

I have requested statements from Citi to assess the full amount that was wrongly charged to me and am currently awaiting them. However, Citi charged that I signed up for this on XXXXXX/XX/2010 ( see attached ), which, as of this date, is 139 weeks ago. Assuming that I have been paying XXXX dollars for this duration, the amount that was wrongfully charged totals over XXXX dollars.

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 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I have fallen victim to a widely reported scam targeting XXXX  XXXX XXXX customers using the XXXX  money transfer service. {$3100.00} was stolen from me. The scammers were impersonating XXXX XXXX XXXX customer service, spoofed the XXXX XXXX Customer Service number , and knew various account details with XXXX. Upon reporting the scam to XXXX  XXXX XXXX I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by XXXX. The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). Neither the police, XXXX  XXXX XXXX, or XXXX XXXX XXXX XXXX have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California XXXX via the " XXXX  XXXX '' app. No one from the California XXXX office has returned my calls or e-mails. Recently I was contacted by XXXX notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX  XXXX I have an a consumer report with open lines of banks that were opened in my name and other information in other states etc.. Because of that, I am unable to open banks. However, I will provide all the information needed when I speak with someone.

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 2021-09-27 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: VA

Complaint narrative:
On AugustXX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
ITHIS IS THE ABSOLUTE TRUTH. ] deposited a large check from my mothers estate and forgot about the money because it was in the bank and saw no reason to worry about these funds. When my sister came to see me there was no money. Consequently, the state attorney is attacking me for having stolen this money. The bank has sent nicely prepared lkedger sheeyts showing withdrawals and other items saying I took this money. I DID NOT DO THIS. How easy would it be to prepare forged documents when you have access to these things. I can not seem to get an attorney to really investigate this because they are all " ambulance chasing. '' and this would have to be pro bono. I will take a polygraph if necessary. What notices and papers I had were lost when I had my XXXX and movled to an assistant living facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
They have been calling my dad multiple times a dad and my work as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX - Requested Forbearance due to financial impact due to COVID 19 - NO CREDIT REPORTING should have been sent XX/XX/XXXX - CFPB filed on Amerihome Mortgage due to consistent conflicting and contradictory information being provided across the Loss Mitigation Group spectrum - I've yet to receive a follow-up call to discuss this complaint. 
XX/XX/XXXX - Talk to Ms. XXXX # XXXX who confirmed credit reporting was still being suppressed - rep not clear if XXXX payment is required or not as Loan Modification request was still in process XX/XX/XXXX - 1st " trial '' payment of Loan Modification - NO CREDIT REPORTING should have been sent XX/XX/XXXX - Amerihome Mortgage sent a false report to Credit Bureaus advising I was delinquent and 180 days past due XX/XX/XXXX - realized Amerihome Mortgage falsely reported me delinquent and 180 days ; XXXX called service XXXX XXXX XXXX XXXX Ms. XXXX # XXXX who advised letter of apology was sent by Amerihome  to me on XXXX explaining false reporting to credit bureaus and was already being resolved XX/XX/XXXX XXXX XXXX XXXX who advised credit reporting is still reflecting Delinquent - also advised this was a firm-wide issue and i was not the only customer impacted - requested to speak with supervisor. Information taken - no supervisor return call XXXX XXXX  Resolution Team ( newly formed ) XXXX XXXX - who confirmed delinquency is still reflecting - she sent email to credit group asap to resolve XX/XX/XXXX XXXX XXXX who indicated no progress - she escalated to another credit team - advised an answer would be available by XX/XX/XXXX XX/XX/XXXX XXXX XXXX who confirmed they received a credit report from Amerihome Mortgage on XX/XX/XXXX indicating delinquent and 180 past due. Also confirmed no reporting from XX/XX/XXXX- XX/XX/XXXX no reporting had been submitted. 
XX/XX/XXXX, XXXX, XXXX, XXXX - Messages left with Resolution Hot Line XXXX XXXX - who has yet to return my phone calls. 
I explained to multiple representatives this had a disastrous impact on my ability to refinance my home which was in UNDERWRITING at the time of the false reporting - thus the loan was squashed. I have yet to purchase a vehicle which I am in desperate need of because I have no air condition and live in XXXX 
Having spent 37 years in the financial industry, it's appalling how bad this company continues to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay Bank lowered my credit limit and drop my score down XXXX points because I opened an new credit card to consolidate my other cards. It went down from XXXX to XXXX cause I had another credit card. 
I have never been late, was over my credit limit and it took me 8 years to get that credit limit. It discrimination that they looked at my XXXX and said I wasnt eligible to have their card due to what, my financial situation, i have no negative marks, i am not maxed out on any of my cards, and make more than enough to pay my bills. 
When talking to a representative, they have nothing to say but it is what the company wants and there isnt an option for a review or reverse of the issue.

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 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have fallen victim to a widely reported scam targeting XXXX  XXXX XXXX customers using the XXXX money transfer service. {$3100.00} was stolen from me. The scammers were impersonating XXXX  XXXX XXXX customer service, spoofed the XXXX 1-800 Customer Service number XXXX and knew various account details with BOA. Upon reporting the scam to XXXX  XXXX XXXX I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by XXXX. The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). Neither the police, XXXX  XXXX XXXX, or BB & T bank have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California EDD via the " XXXX XXXX '' app. No one from the California EDD office has returned my calls or e-mails. Recently I was contacted by XXXX  notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of 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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is my second complaint with Experian and XXXX on why these addresses that do not belong to me are reporting on my credit report. Experian is reporting the following addresses that have never belonged to me : XXXX XXXX XXXX XXXX, TN XXXX and XXXX is reporting the following address that does not belong to me and I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX I have sent letters every month for the past three months and they have not sent me any update on removing these addresses.

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 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I requested close my new checking and saving account at Regions Bank because of my personal info loss. I called their service and they said I need to go to the branch. I have health issues and can not visit the branch due to the pandemic. Regions should close the wrong-open account automatically.

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 2021-09-27 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: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have an " Amazon XXXX Rewards Visa Card '' that is administered through Chase. I hadn't been using this card, but began to recently. I therefore tried to register the card on the Chase website so that I could manage it, and called the company to get the account number and CVC. I spent three hours on the phone with them, and kept being told the account doesn't exist ( but they kept referencing an old account from 15 years ago ). They then removed my ability to use the card online. I do not know what the balance is, have never received a statement, I don't know what the interest rate is, and have no ability to access information on and pay on this card. The company has been useless in trying to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NV

Complaint narrative:
I have contacted the 3 bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this ccs collection agency regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.

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