vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: TRUIST FINANCIAL CORPORATION
State: CA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: NY

Complaint narrative:
some one stole my information and now i can not gain access to my credit at all to fix it.

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 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had an agree settlement with the company to settle my debts and was told that I can submit payments through their online system but when I tried it would not let me. I tried submitting payments twice. I found it strange that after the submitting the payment it would not give me a confirmation and would redirect me back to the beginning of the payment. So I waited till business hours to call for confirmation only to be told that I did not have sufficient funds for my payments an was charged a resubmit fee TWICE. I tried to explain to the representative that this happened because I resubmitted my payment because I did not receive a confirmation code how I normally do. I was then told by the representative that my settlement agreement was cancelled due to the return funds. and all the payments I have worked to pay for is now no longer part of my repayment and I would have to start my settlement over. This is a scam! The representative told me that I would be able to submit payments online but I wasn't and now I have to pay the consequence for misleading information. Trying to do the right things are not paying off. The representatives name is XXXX and his ID number is 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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
I opened a checking account with an online bank called Chime. I had my XXXX savings deposited around XX/XX/2020. Nearly a month after they requested additional info to verify my identity. I logged into the chat to see what was going on and I had a message stating the issue had been resolved so I thought it was over. Days later my account was placed on hold. I sent in the requested documents numerous times only to get request from them for more. Once I sent everything in I kept being told to expect to hear back from them within 48 hours. Never heard back. So I call and complain almost everyday for weeks and try to get it resolved but no one ever has info or can help me and they wont let me speak directly to the department handling my case. I always get the same story, they go through all the emails and ask about this and that and then say okay since everything is there I will escalate the situation and try to get a solution. I waited three weeks after that and heard nothing. I call today and get told my info was being emailed to the wrong email even though I have conversations on email with request for documents and saying to respond directly to that email, which I did. I got the same run around story with no solution offered. I have complained with the company, the XXXX, the attorney general of my state, and the federal reserve and I am making cases with all of them to try and get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2020 I submitted a report to Experian to have XXXX XXXX removed from my credit file. Months before then I also requested it be removed as well stating that I do not own the account due to the fact one it was under litigation. The litigation has been resolved the class action lawsuit has been resolved I sent in a dispute saying this information in which Experian stated " they never received " I filed a complaint online with the CFPB in which '' they indicated they wasn't sure who I was ''. I contacted Experian directly in XXXX of 2020 in which I spoke to 2 representatives one indicated that I would have to speak to a specialist as they only have specialist on the ( Disputes ligation accounts ) I spoke with the representative and they indicated they didn't see anything beside one upload from me and to send it again or by mail. I have sent this dispute several times and is now frustrated. Then was told I am selecting the wrong option. I am no longer given an option to say it is litigated. How will I state this class action law suit has been settled?

I have included : Payroll - Check ( verifiying my identity ) DL SSN Letter from the debt collector it was sold to.

Statements and web registration code of the lawsuit all attached to this claim please have this information removed IMMEDIATLEY as this is damaging my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I have been applying for loss mitigation assistance with Carrington Mortgage Services , LLC for the past 7 months. I have provided all documents 5 different times and on the phone they say they have everything they need. Then after a couple of weeks I receive letters stating that they need additional documents but they do not state what documents are needed and when I call them they either say they don't have everything or the time has lapsed on certain documents which I in return send them the updated documents immediately. I have email trails for sending them everything multiple times. Also have mailed them with USPS on multiple occasions. I just would like to pay my mortgage every month and not be worrying about foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've placed more than 25 separate calls, attempting to resolve this matter, and the procedure is never completed. What's worse, they keep double-charging me every month for balances that are AUTOMATICALLY deducted from my bank account. 

If they balance is {$3000.00}, they deduct {$6000.00}. If the balance is {$4000.00}, they deduct {$8000.00}. The do this every month without exception, and take weeks to return the funds to my account, and only after I call repeatedly requesting that they fix the mistake. 

This has gone on for the last 5 months, and I still can't close the account. Bank of America is the worst.

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 monetary relief
Consumer complaint received 2021-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute with Equifax and they did not properly investigate my dispute. There are medical bills showing on my report that was satisfied and should be removed once paid. They failed to produce anything to verify that the information is correct. I am asking for your help to make them abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX {$6000.00} payment made on credit card account ending in XXXX -- note : funds to pay off credit line was from a term loan obtained on XX/XX/XXXX by XXXX XXXX XXXX in the primary business bank account XX/XX/XXXX Payment Review Letter sent by Wells Fargo and credit line frozen XX/XX/XXXX Called phone number listed on letter XXXX XXXX XXXX XXXX -- representative told me this was the wrong number. Gave me a new number XXXX XXXX XXXX XXXX XX/XX/XXXX Called new number and spoke with a representative who took 20 minutes to transfer me to their manager. Manager then argued with me for 10 minutes and said they were unaware of the letter and everything was okay. Then put me on hold and hung up after over 30 minutes on phone. 

My account has been legitimately paid in full for over 2 weeks now and my credit line has been frozen for no apparent reason and my time has been wasted. This is ridiculous and XXXX XXXX should go to prison for fraud.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XXXX XXXX.2020 I clicked on a web link, said XXXX help. I called the phone number and the man portrayed to be with XXXX. Iwas trying to collect money on account and fix a email problem. He fraudulently talked me into downloading several apps like any desk and team viewer. He said he was helping fix the situation. He had control over my lap top and phone and and took out of my checking account using my debit card 4 transactions from PNC BANK. The amounts are XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX 
Then he hung up the phone and i knew something was wrong. I called pnc phone number XXXX XXXX. I told them about what happened the man at pnc said the money was pending and it should be okay because the had not left the bank yet and should be back on my account monday. I told them not to let the money go because it was fraud. Pnc never gave my money the next day i called and they said the man I talked to saturday should not of said that. They said i had to file a dispute once the money has left and posted.I call back and dispute it after it posted and talked to a supervisor and said i want my money back and she said they have fraud protection and she was going expedite the situation and the money should be in my account in the morning or afternoon well that never happened and i was told again by a supervisor this time that she should not of told me that. They declined my dispute because i have used bitcoin app before i said this was fraud nothing to do with what i have used bitcoin before. They opened up the case again and declined another dispute. I feel this is very unfair i have banked there for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: NJ

Complaint narrative:
I have only received the Chicago title binder XXXX I need a copy of the actual commitment to title that was filed with the County of XXXX and approved by XXXX XXXX XXXX XXXX  so they could issued my XXXX XXXX XXXX XXXX, N.J. XXXX mortgage. 
If the Chicago Title Insurance policy was recalled, cancelled, voided or otherwise discontinued please notify of the circumstances and date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Star Loans of Texas, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX in XXXX, Ok I communicated with Manager XXXX at Star Loans that I would be several days more late on my payment. The loan was due XX/XX/XXXX with a 10 day grace period it would be XX/XX/XXXX. I told her that my account is over drafted, it was a hard month for me supporting a XXXX and 2 adults due to the stresses of the economy and holidays. XXXX was extremely rude and insulting. She told me she could not hold my loan for payment on XX/XX/2021 and cant I go overdraft your account more to get the money. I told XXXX shes being insulting and that I always communicate to her issues I may have when making payments, but that they do get paid. XXXX continued to speak to me in a hostile manner stating this is a two way street and youll need me for money in the future. XXXX then asked what date do you want me to put you for I told her XXXX XXXX said no Ill put XXXX you can pay me with your stimulus check. She hung in my face. 
XXXX is always rude and hostile at Star Loans. She needs to be reprimanded immediately. I am a XXXX XXXX and XXXX would call to administer her XXXX XXXX. I did this for her. For her to be so rude to me not only humiliated me, but I will never do business with her after XXXX when I pay off the loan in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The Bank ( Wells Fargo ) claimed they lost my home address from their system/file and blocked all my online transactions. After keeping me on the phone for an hour and half, they told me I have to go to a physical location 20 miles away. I wasted half a day in getting this resolved for an error committed by the Bank. Bank is not providing the cause and I am concerned about my personal information not being handled in safe manner. 

Date : XX/XX/2020 Action : I was attempting to use Express Send / Money Transfer.

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 2021-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a personal loan with those XXXX  XXXX over at Wells Fargo. Final payment was XX/XX/21 with a balance of XXXX. For the past 4 years I had auto-payments set up. Which did not go through for the last payment. 

They also have the payment due of XXXX, which has been the payment for the past several years. 

Why they didn't take the auto-pay like every other time. And why are they having the payment as XXXX dollars more than the balance? 

Probably because they are XXXX XXXX XXXXXXXX. 

Thanks for doing your job at the CFPB. Stick it to them for 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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The branch that I was forced to schedule an appointment at is at XXXX and XXXX. 
Bank of America claims that my account was closed in XXXX. However it has constantly maintained a positive balance the whole time that it has been " closed ''. I spoke to 5 different representatives, both on the phone and in person, and was given 5 different answers as to when I would get to access my IRS check from the bank that it is in. After the last person I spoke to in person told me that the account was " for sure '' closed, and that they didn't know why I wasn't mailed a check, and that I should have been for the positive balance since XXXX, I was promised that the the check would " bounce '' back to the IRS, that BOA would not accept it, and that once it stopped pending, it would NOT post to the closed account. It is now showing a cleared and posted status on online banking for this " closed '' account. They are keeping my money and not letting me access it instead of bouncing the check like they said they would.

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 2021-01-05 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: GA

Complaint narrative:
I have sent a letter to the credit bureaus XX/XX/2020. I have not received any results yet. It has been over 60 days. That is a voilation. I demand for those accounts to be deleted at once. I feel as if they are taking advantage of me and not taking my request serious. I also sent a complaint through consumerfinancial.gov/complaint a few weeks ago. This is my second attempt to send a complaint. I received a letter from you saying you threw out my last complaint for not identifying myself. I am Who i say I am.

Company response to consumer: Closed with explanation