vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 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: IL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I took out a loan with Wells Fargo for a XXXX XXXX in XXXX. Since the car was financed I had full coverage insurance on it. In XXXX of XXXX to XX/XX/XXXX again in XX/XX/XXXX to XX/XX/XXXX and once more XX/XX/XXXX to XX/XX/XXXX Wells Fargo XXXX XXXX insurance on my loan. With the added amount I could not keep up with the higher payments and they reposed my car. XXXX of XXXX i was made aware of a lawsuit against Wells Fargo regarding XXXX insurance. They asked that I provide them proof and I did at that time. After waiting with no answers I contacted Wells Fargo multiple times with no definitive answers. They final sent a check XXXX of this year and it was returned due to no fault of mine. Ive contacted them multiple times to please reissue my check. Nothing has been done to this date. Please help me get my money .... Thank You

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 2020-07-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
My information I written down for my username and password got stolen I dont remember my security questions or any information is there any way to recover my info.

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 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
on XX/XX/2020 I send a validation of debt to Portfolio recovery as stated on the FTC web page. On XXXX XXXX2020 Portfolio Recovery sent me a letter still trying to collect without validating the debt. I am confused because I also read on my state website that under the XXXX FDCPA of the State of California Civil Code 1788 et, it is a violation to collect a debt or to continue to report to the credit reporting agencies if the validation has not been provided. Also it is against the Fair Credit Reporting Act guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Hello, I was affected by Covid-19 and never missed a payments on my mortgage before Covid. I am currently running 2mths behind & applied for assistance with my mortgage company Caliber Home Loans. I request consideration under the Cares Act. I wanted the 2 missing payment be put at the end of my loan or extend my maturity by the 2 months. They approved a trial plan XX/XX/20 on my loan increasing my payment from $ XXXX w/interest rate 2.875 % to {$2000.00} & appx 3.25 % interest rate. A modification should be in the best interest of the borrower, lowering the payment to help during these uncertain times, not give a borrower unfavorable terms. I called Caliber and spoke with XXXX # XXXX to review this. She was unsure of why the increase as well. I asked to speak w/ a supervisor & they refused to take my call. XXXX relayed a message from the supervisor- My approval is based on the going interest rate. Well I keep up with the rate and the current rate at that time was below 2.98 % for conventional loan and today 's prime rate is 3.01 % ( ( VA rates are lower ) ). So this was a lie and they are giving out false information to borrowers just to get you off the phone. I let the agent know this info was incorrect. XXXX told me I can just reject it & pay then ( ( WOW ) ). I do reject the trial offer increasing my payment & interest rate! Caliber 's SPOC unit is unsatisfactory, especially during these horrible times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with Experian on XX/XX/15 and failed to complete within 30 days & reply.

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 2020-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I've paid the debt on XX/XX/2015 to XXXX XXXX the collection agency the debt was sold. I have a copy of the letter still. However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Check XXXX go was suing me for non payment. I requested validation of the debt and was advised they can't and won't send me anything. The number I was contacted from was XXXX which directed me to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was laid off from work due to COVID-19 find out my XXXX and XXXX pmt are late. I call Im they tell me payments were applied incorrectly. I cal back again in XXXX was advised of the same thing and everything would fall into place and be on time so I make my XXXX payment and its reported 30 days late after I was advised when making the payment it would be on time and not reported late. This is been going on for XXXX I call and I get we will call you back and no response. Now Im 3 months late on my account when I was advised everything would be XXXX and pmts would not be late

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 2020-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo automatically put me in a forbearance for 3 months which was very helpful. XXXX XXXX and XXXX. I re summed my monthly payments in XXXX. However they put that into my escrow account. The received another letter extending my forbearance till XXXX. which I did not want. Several emails and phone calls I was told I have to accept the additional 3 month or they would report my XXXX, XXXX and XXXX payments as late to the credit bureaus if I rejected and was removed from the Covid forbearance program. I did get someone else on the phone and they made a payment arrangement for 1 month of the forbearance period and they would move the other two to the end of my loan. We have an arrangement and they would send out documents to process within 10 business days its been 14 .My on line account still shows as being delinquent. My request for a refund of my Escrow account was denied ... over {$2000.00} extra even after just paying my Taxes and Insurance which they reported they could not apply to my loan or payment arrangement. My account still shows past due as XXXX payment. 
Copy of Online Account Next payment due on XX/XX/20 Next payment details {$1600.00} Total amount due to make loan current {$4800.00} Your account is on a short-term payment suspensionOpens dialog Last payment received on XX/XX/20 {$1600.00} Outstanding principal balance {$190000.00} Interest rate 4.75 % Escrow balance ( taxes & insurance ) Escrow details {$3000.00} Actual Payments in my account history Principal Balance XX/XX/20 PAYMENT {$800.00} {$190000.00} XX/XX/20 PAYMENT {$1600.00} {$190000.00} XX/XX/20 CITY TAX PMT {$1600.00} {$190000.00}

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 2020-07-23 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: VA

Complaint narrative:
I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address. Please update this address. I no longer live in the Florida apartment rental.

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 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
i opened a coinbase Acct to buy cryptocurrency bitcoins i invested XXXX i was able to access my Acct until XX/XX/2019 after that peroid i was unable to access my Acct.COINBASE their customer service is worthless. I have been trying for 9 months to get into my Acct with no success. They just send Auto computerized responses by email with no solutions. I WANT TO GET ACCESS TO MY ACCT AND GET MY MONEY BACK.PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: CA

Complaint narrative:
I filed a dispute with Equifax onXX/XX/XXXX and failed to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address. Please update this address. I no longer live in the Florida apartment rental.

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 2020-07-23 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: VA

Complaint narrative:
I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address. Please update this address. I no longer live in the Florida apartment rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
When using the XXXX app, it displays my bank account informati incorrectly. Preventing me from using the service. XXXX says that its because my bank ( PNC ) will not communicate with them to update my account information in real time or at least within a 24 hour buisnis day time frame. XXXX app suggested to make a complai on this site

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I just called my mortgage lender, Shellpoint mortgage services, to inquire, NOT SIGN UP for mortgage forebearance. One of my tenants was possibly having trouble paying rent so i merely called to find out what forebearance was all about in case they couldn't pay for an extended period of time and wanted to know just what my options would be at that point whenever that was. I didn't sign anything, or agree to ANYTHING! 
All of a sudden they have me in the forebearance program ( which i have now opted out of ), and put on my credit report " affected by natural disaster. '' This has affected my credit score and now made refinancing my mortgage harder for no reason. 
I have NOT missed any mortgage payments and never signed up for anything. I have already tried to dispute this through the bureus with some luck but still on some of them. I think XXXX  is the only one that has had it taken off. 
They say that i said on a recorded phone call that i was " affected. '' Never did i say this. 
I would really love this taken off, i have NEVER MISSED A PAYMENT! what's the point of this? They said forebearance wouldn't affect credit anyway. Liars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TX

Complaint narrative:
I disputed 2 Fraud Accounts on my Equifax Credit Report on XX/XX/2020. Equifax removed the accounts from my credit, but they RE-APPEARED on XX/XX/2020. XXXX  & XXXX  have removed the accounts from my credit report, and have not reported the accounts back. I continue to have problems ONLY with Equifax, they will not remove the Fraud accounts. I have provided an FTC identity theft report as well. Today, on XX/XX/2020. I spoke with Equifax, and explained them the situation. The representative with Equifax stated this could be an overall system error, and asked me to re-dispute the fraud accounts on my credit report. I have attached a new FTC identity theft report, and a formal dispute to Equifax. I faxed this dispute on XX/XX/2020 to the Equifax dispute fax number. 

I am in process of a mortgage at the moment, and this has caused damages for me, not being able to obtain credit due Equifax 's negligence in the dispute process. 

I am now submitting this dispute for the 3rd time, and hope to get this matter resolved soon. I have attached my new FTC identity theft report, and a dispute letter containing the fraud items. 

The complaint & dispute is being monitored by an FCRA attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
Received a credit card denial from US Bank - applied on XX/XX/XXXX. 
* My annual income is greater than $ 100K * No Liability * All ( 2acrds ) paid regulalry * XX/XX/XXXX credit score of XXXX ( reported by XXXX & XXXX XXXX ). 

On XX/XX/XXXX during e-application I was told I would be informed of the decision later. On XXXX I received the denial letter ( post date : XX/XX/XXXX ). On XXXX I spoke to US Bank credit depot. i was told the denial was because of too many inquiries in last 24 months. 

On checking the credit report : There were 6 inquiries in 2 years ( XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ). One of them is by my Apartment Management. One by XXXX ( No loans taken - offered high-interest rate ),  One by XXXX ( XX/XX/XXXXXXXX  >> Card was denied ). Rest is 4 credit cards in 2yrs. 2 of them closed. 

Now that US Bank has refused - it adds to another credit inquiry, so the next financial company will deny saying..you have 7 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 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
onXX/XX/XXXX I filed a dispute with Transunion. They have failed to reply.

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 2020-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
I was solicited by equitable acceptance inabout 2017 to let them assist me in putting my federal student loans into a deferment plan. Which they did and I have been paying them $ XXXX  month to pay off the total amount charged for the service. Today i received a letter from the US department of Education that states since I am a XXXX veteran I qualify for a XXXX XXXX XXXXXXXX XXXX discharge of my federal student loans. Upon calling the US dept of education and explaining to them the specifics about the current student loan consolidation program that i am currently in, the US Department of Education suggested that I file a complaint with you to determine if my equitable acceptance can even legally charge me when the actual filing of the paperwork is free. The company that I pay the $ XXXX  monthly to is Equatable Acceptance. Can you please look into this for me? Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
chase bank not giving my money back from closed accounts. I have XXXX in checking and XXXX in saving. I has a appointment then on our way for the appointment they canceled the appointment, the refused to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I called CFPB today to make sure we could file a new Complaint based on new and compelling information I received today, XX/XX/2020, and the CFPB Representative assured me we could and that this information was not previously considered or known. 

On XX/XX/2020, I researched and found that Lincoln Automotive Financial Services ( Lincoln Financial ) has violated at least one ( 1 ) Code of Federal Regulations ( CFR ). 

The specific CFR is, 34 CFR 682.205 ( a ) ( 1 ) and ( 2 ), Disclosure Requirements for Lenders.

Paragraph ( a ) Repayment information - ( 1 ) Disclosures at or prior to repayment, 2nd sentence reads, " the disclosures required by this paragraph must be made not less than 30 days nor more than 150 days before the first payment is due from the borrower. '' ( 2 ) The lender shall provide the borrower with - ( i ) The lender 's name, a toll-free telephone number accessible from within the United States that the borrower can use to obtain additional loan information, and the address to which correspondence with the lender and payments should be sent ; '' My wife and I have never been provided the required information as described under 34 CFR 682.205 and to date do not even have not been provided an Account Number from Lincoln Financial, and our first payment is due per the Retail Sales Agreement ( Attached ) of XX/XX/2020, which is less than 24 days from today. 

We have attempted to obtain this information by numerous emails thru the Lincoln.com website that this information has not been provided, and the last email and attempt was made on XX/XX/2020 ( Attached ) to provide factual evidence and proof. 

Lincoln has violated our rights as borrowers and Consumers and if they have done this to us, we believe they have done this to numerous unsuspecting Consumers now and/or in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: CBC Companies, Inc.
State: WI

Complaint narrative:
There is a recent inquiry on my credit report from factual data that i have not authorized. When i contacted factual data i was informed they pulled my credit as a third party from a mortgage company. I rent my home and am not interested in purchasing at this time. I HAVE NOT APPLIED FOR ANY MORTGAGES EVER IN LIFE. factual data offered no resolution.

Company response to consumer: Closed with explanation