vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today during my morning XXXX XXXX before starting the day, I saw a notice from XXXX XXXX that my score on Transunion changed but there was an offer to save significantly on home and auto insurances. I logged in and the small score drop was a in increase in my total debt to limit ratio at 17 % but was prepared for that with the covid19 emergency. There was an offer that had been hounding me and hounding me for weeks via XXXX XXXX and then direct invite with approval code from XXXX Credit Cards and was promised in writing that checking to verify my pre-approval matched their records there would be ZERO impact to my credit and should I choose to move forward Id be required to approve a hard pull and Identification verification- the match shiowed up in their system - the sight was verifying my info and stopped to ask me to send a live picture of my drivers license as a fraud preventative measure which i was impressed and sent immediately- once uploaded instead of asking if I want to continue the app stopped, said I was on government assistance or something crazy like that and they need 30 days to process the card I DIDNT APPLY FOR. I waited on hold for them for 2 hours only to be told they dont do disputes with limited staff and just direct dispute with transunion and they would agree to remove the inquiry- transunion would only do it if I locked my report and claimed id theft and fraud altering on my credit report- as you know when ID theft is not the issue it is a death sentence to have those worthless statements that immediately place you as high risk on XXXX XXXX and others- so my only hope is trying through you guys - any help would be appreciated - I just got most of the fraudulent accounts off my reports with the exception of transunion- after the data breach they were the only agency that required me to sign up for all their services at over {$100.00} per month to even consider continuing to investigate my disputes and so far its been working- so I really dont want this inquiry to drag me down more when I had my number set to exactly 4 hard pulls past 24 months

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 2020-03-27 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On Monday, XX/XX/XXXX and Friday, XX/XX/XXXX, I called Wells Fargo to talk about options for mortgage payments. I have a XXXX XXXX XXXX XXXX working with XXXX at XXXX XXXX. Obviously, I am unable to hold XXXX  XXXX and thus unable to earn my usual income. I wanted to defer my payments for three months and have them added to the end of my loan as other banks are doing. After waiting on hold for over an hour both times, I was told that Wells Fargo would not be offering deferral of payments at this time. I was given the vague option of paying less than the amount due without risk of late penalties, but not given an answer as to what this would me to me after the three month period. Very clearly, I will not be able to make up for missed payments at the end of three months, nor do I want to have higher monthly payments going forward. AT the very least, this bank should be able to tell me exactly what they are offering in the way of assistance during this time of crisis. This a perfect example of a large corporation having zero compassion and concern for their customers. Please force Wells Fargo to provide deferral of mortgage payments to those of us adversely affected by lock-downs.

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 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX  reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX  before I was told the balance was paid it`ll be removed

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 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
After divorcing my husband back in 2018, he purchased a home in the same town. Someone how flagstar had gotten incorrect information that the property at XXXX XXXX  XXXX with loan # XXXX was marked as a " second home " thus increasing my monthly payments by triple. Flagstar refused to assist in gathering the correct information and made it my responsibility. After getting the the correct documents they were able to do several escrow analysis ' and FINALLY had the correct monthly payment. But only moving forward. They were not able to retro-act the past " bills '' and showed that I had late or missed payments refusing to apply the payments I was making each month ON TIME. This is my 5th home I have owned and have NEVER had such terrible customer relations or service. They don't care that I am a person whose life they have destroyed with my credit. Showing me deliquent on 6 plus months has dropped my credit from a XXXX to a XXXX. All my credit cards have turned off. Business line of credit shut off and am unable to purchase my next home as this one is set to close on XX/XX/XXXX. I have had my own personal attorney write 3 demand letters on 3 separate months requesting information and explanation as to the disputes we had claimed, only to get GENERIC letters back with nothing addressed.

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 2020-03-27 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've sent a complaint to all three bureaus of accounts that are on my account that reported incorrectly and need to be removed because they are over 7 years removed from correct last active date. I've reached out three times to no avail. This is frustrating and it's depressing because I'm paying the consequences of it. I recently went for a job promotion but it was denied due to the invalid and incorrect information on my reports. I hope that this is that last time that I have to deal with this.

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 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
To whom it may concern, The below summary will serve as a time line of events that happened when I found out that XXXX XXXX billed my Credit card ending with XXXX without my authorization on four separate occasions for a total of XXXX dollars. 

On XX/XX/2019 I noticed that my credit card was billed on 4 separate occasions for work that was not performed for a total of XXXX dollars. The date of the separate charges are as follows, XX/XX/2019 for XXXX, XX/XX/2019 for XXXX, XX/XX/2019 for XXXX and XX/XX/2019 for XXXX. I first contacted XXXX XXXX via txt message at XXXX on XX/XX/2019 letting XXXX XXXX the owner of XXXX XXXX about the false charges. Just the past month I had him perform work that I paid for via XXXX application, so I was not too alarmed, just thought it was a mistake. However I was very mistaken! I also sent an email an email to the owner email account, XXXX listing all the charges with ( please credit ASAP ) in the subject title. The owner of XXXX XXXX said that it was a mistake and would reimburses me the full amount. However after over a month of excuses and back and forth he finally admitted that he does not have the money, and never mailed any checks or tried to reimburse me the full amount of money he charged my credit card. 

During this time I also contacted My Credit Card Company and put a hold on my card, and eventually closed out and opened up a new account. During this time I was contacted by Citi Security CC Company, and asked if I authorized another XXXX charge by XXXX XXXX, and I said no, so they denied the charge. I also contacted my local XXXX department and opened a police report for the false charges. The Police report number is as follows, Case # XXXX and officer of took report is named Deputy XXXX XXXX # XXXX, phone number XXXX XXXX With that said, my Credit card company ruled against me because the owner of XXXX XXXX  simply provided a false receiptsignatures for the transactions. He ran my CC against his app, and simply forged my signature, I was in a diff city XXXX XXXX when these false charges were supposed signed approved by me. How can the CC company take this as proof?????? 

PLEASE HELP!!! 

Thanks 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 2020-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
During my employment at XXXX XXXX XXXX. I had a 401K plan held by Wells Fargo Bank. I took out a loan to purchase a home against my 401K. I since then switched employers to XXXX XXXX whose 401k program is held by XXXX XXXX. I was in the process of purchasing a new home and wanted to borrow against my 401k again. This required me to roll over all my funds from Wells Fargo into the account I had at XXXX XXXX. I called an inquired about the process to Wells Fargo. The representative informed to to roll over the funds I would need to pay off the existing loan first then rollover the funds. I was to use the special request section on the forms provided to request that the loan was to be satisfied with the check included then rolled over. I received the rollover checks and submitted them to XXXX XXXX and I also received a check in the amount of the loan that was to be paid off which began to raise questions as to why they returned that amount to me and why the rollover amount did not match what I was expecting. Sure enough the processed the roll over but did not process the loan pay off. I have called Wells Fargo multiple times to correct the issue since now I have the hefty tax burden of an early withdrawal penalty and being taxed on tax differed monies. Wells Fargo first tried to tell me that there was nothing to be done about the issue. Then as it escalated they said I was made whole again because they returned the loan check. The next step was that they would help and they finally admitted to the clerical error, but I would need to send a check to XXXX XXXX for the sum of the loan I originally took with Wells Fargo. I explained to them those monies went to pay for the new home I am living in, and that stopping the closing at that point would of resulted me being in breach of contract and subject to penalties as well. Wells Fargo said that is the last option they could accommodate to eliminate the discrepancy. Just buying a new home, I do not have the finances nor will I before tax filing to satisfy those terms, given a year or two I may be able to accommodate that request, but by then I will have suffered the tax penalty.

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 2020-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX  or LoanCare on XXXX statement they stole {$120.00} from my escrow account.This is not first time when they stole my monies.The {$120.00} did not go go for tax city or home insurance.I have checked this in city hall.I would like to know where went my monies.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 

XXXX XXXX XXXX XXXX Bal XXXX Lateness - XXXX During whole period I had only one late payment ( very old ) which I paid off and I now have years of good standing credit with your company, with the exception of those few late payments. Those few late payments are extremely damaging to me in a lot of ways, mainly they are damaging my chances of receiving a promotion at work. 

I am asking you and your company for a goodwill request. I have maintained a good paying history with you, with just those few exceptions and I ask for you to please eliminate those late payments with the credit bureaus by filling out Universal Data Form and faxing it to the credit bureaus that you report to. 

I am pleading with you to honor my request, which would mean so much. I desperately need to get this promotion, which would obviously come with a pay raise, in order to continue to support my family. Please take into consideration what a good customer I have been. 

Thank you in advance for taking time out of your undoubtedly busy schedule to read over my letter.

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 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/2020 : I had submitted a claim with Bank of America due to my debit card being stolen and {$1200.00} of fraudulent charges were being posted to my account. They ensured me that this would be handled with importance. I believed them as I have NEVER had to file a claim with them prior to this incident occurring. 

XX/XX/2020 : I called in to get an updated status of the claim. I spoke with a gentleman out of Tennessee whom stated that he had put my claim in for a hardship, thanks to the crisis going on in the world, and he stated that my account should be credited by Friday, XXXX XXXX. I thanked him for handling my situation and waited, again. 

XX/XX/2020 : XXXX XXXX I received an email stating that all transactions were authorized and posted correctly which absolute insanity. I have since been on the phone with now 3 different people. The first lady stated that she could send me over to the claims dept to have my claim reopened. This is after I sat on hold for approx 1 hour. I finally was able to reach someone in the claims dept whom stated that it was closed and that if i had any evidence on new charges she could reopen the claim but until i did, she couldnt do anything about it as they dont see any fraud. I asked to speak with a supervisor and she refused to send me to a supervisor stating that a supervisor cant do anything regarding the situation. I'm currently on hold waiting for a different person. I'm highly upset about this. I do NOT make large purchases as it is off of this account ( one fraud purchase was for {$870.00} ) and am ready to pull my account from them. They do not take loyalty to their customers seriously. 

I should not have to lose almost {$1300.00} due to their negligence on protecting their customers.

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have had so many issues with EQUIFAX that I have sued in court and I have a court date on XXXX concerning the myriad of issues. I am now complaing how EQUIFAX reports my information to potential loan creditors. I recently applied to XXXX for a loan. Despite having a score of XXXX. I was turned down EQUIFAX reported that I have delinquencies and inquiries. The inquiries in question are for myself shopping around for a mortgage refinance. Therefore this should not have been reported as such. Inquiries such as this are viewed as 1 inquiry. In addition on my EQUIFAX report they have some of the same inquiries twice. 
They have reported that I have delinquencies. I have none. 
EQUIFAX has people who work for them who are changing information in peoples credit reports for retaliation. They are Doing this at the behest of persons in different lodges and communities. They are letting people sabotage peoples lives by tampering with the report. EQUIFAX employees has changed the birthdate on reports or added delinquent accounts back on after they have been deleted. My Birthdate was changed, after no issues in my entire life with EQUIFAX. They refused to change it until I got help from the CFPB. There is no way that someone birthdate should be changed after many years unless it is foul play. 
EQUIFAX continuously causes me to be turned down for credit despite the fact that my score is XXXX and I was recently approved for a XXXX car loan by XXXX XXXX XXXX XXXX. I cant even get a XXXX $ loan because EQUIFAX reports severe delinquency even though this is not true. 
I am asking again to investigate why this us happens

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I purchased a used XXXX XXXX from XXXX XXXX in XXXX XXXX South Carolina on XX/XX/2019 with an extended warranty. Two days after purchasing the car an electrical error caused my E-brake to malfunction and destroy my rear brake assembly. XXXX XXXX was kind enough to repair it for me but left me with no car for over a week. The day I got it back I noticed a horrible noise coming from the front end turns out the axel and tie rods were broken. When I reached out to XXXX XXXX they told me they knew but it is not there problem and now ups have to wait 30 days for my warranty to be active to fix this ( which was a lie ). Turns out this was a problem the car had before it was even sold to me. I found this information out when I brought it into XXXX on XXXX highway and they told me they already had records of this issue from the previous owner. Well after having this repaired a week later I hear more noise coming from the front finally get it into XXXX to find out another unknown error caused my front end braking assembly to get destroyed due to the brakes seizing up. my warranty which was Supposed to cover all things that make the car move forward doesnt cover this so no I have to spend an additional XXXX dollars again. When I asked to cancel the warranty as they wont cover these issues I am told it is not under my name but my co-signers name and I have no say.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal/XXXX  told me on XX/XX/XXXX that they cancelled my {$20.00} a month recurring transaction to XXXX ( but they actually cancelled the {$35.00} a month one ). However, I asked them to confirm this on XX/XX/XXXX, and they cancelled my {$20.00} a month transaction too! XXXX then told me she couldn't reinstate the {$35.00} a month donation! XXXX only needed to see the monthly amount transactions and he would have been able to properly cancel the right one and saved us hours of time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 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: TX

Complaint narrative:
The fraudulent company XXXX XXXX XXXX was taking {$190.00} from my account from XX/XX/XXXX until XX/XX/XXXX and then they started charging {$40.00} from XXXX until XX/XX/XXXX. I tried to settle this with the bank but they did nothing, no one ever called me and this company was fraudulent. SunTrust bank did not give me any money back as this company stole my money without my authorization. Then they tried to close out my account after initially denying the claim, it appears as if this was retaliation for filing the complaint. I contacted the company. Who didnt respond due to being XXXX down by the government, disputed it with the bank to no avail, filed a complaint with with the OCC snd now were here, they have done nothing nor has researched anything. Hopefully theyre a better bank as Truist bc tax Suntrust not so much.

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