vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I have received well over 200 phone calls from Radius Global Solutions asking for a different person. I have told them about 20-25 times that I dont know that person and to remove me from the list. They have told me every single time that my name and number are being removed, but I continue to receive 1-2 calls everyday.

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 2020-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am an identity theft victim. I am writing today to dispute the following errors on my current credit report. Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

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 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TCF NATIONAL BANK
State: MO

Complaint narrative:
Have tried for over a month to receive a payoff letter for a loan on a camper trailer. Filed a complaint with CFPB XXXX SUBMITTED ON XX/XX/2020 TCF stated a payoff letter would be sent and the complaint was closed. To date the letter has not been received. Multiple attempts to contact TCF resulted in over an hour wait times, an inadvertent disconnection, a transfer of the call which resulted in a disconnection and an transfer of the call to to wrong " department '' at which time I was place back in the " holding '' queue. The account number is a XXXX  XXXX  account number and TCF continues to say I do not have a TCF account. 

I simply want a payoff letter, I have missed several opportunities to sell this item as a result of the abhorrent customer service of TCF and have no clear options for obtaining this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX my wife filed alone for bankruptcy. We had a joint line of credit with Wells Fargo. When she filed the joint line of credit was part of the bankruptcy. Due to it being part of the bankruptcy filing the account was removed from our online account. After a few months I noticed a drop of my credit score of over XXXX points. Once I saw the drop I looked up and found 2 late payments on the line of credit. XX/XX/2020 XXXX 30 days XXXX XX/XX/2020 XXXX 60 days XXXX. When I found out this information I immediately contacted Wells Fargo and paid the balance late due of {$630.00} on XX/XX/XXXX. 

Talking with Wells Fargo once an account is closed thru bankruptcy they no longer send any statement 's out. Therefore I was not informed on the balance due or how much I owed. I was informed when I called in XXXX that I will have to send a written notice to get a statement sent to me. 

I wrote Wells Fargo on XX/XX/XXXX requesting them to fix my late payments on my credit report and they sent reply back on XX/XX/XXXX. Deny I am not disputing the payments owed but it was impossible to know if they don't inform you about any payment due.

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 2020-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I bought my house in XX/XX/XXXX. I started some major renovations when I had a XXXX  XXXX in XX/XX/XXXX. I stayed home for a while and suddenly covid-19 appeared in XXXX. 
I requested a mortgage forbearance which I had for 6 months. Federal law requires that the mortgage servicer should contact the barrower 30 days before the forbearance expires. They did not. Instead they sent me a package asking for missing documents when I have never submitted a package. Only thing I asked them is a forbearance extension which they refused without any explanation. They gave me 20 days to submit additional documents while my wife and myself are XXXX XXXX for XXXX and we are quarantined right now. 
Mortgage servicers are PHH Mortgage services and XXXX XXXX XXXX. 
They refused and I'm getting harassment calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CrossCountry Mortgage LLC
State: NV

Complaint narrative:
I have been receiving sales marketing calls from Cross Country regarding refinancing my home. I have explained to them i am not interested. I have receive marketing mail from this company. I have mailed back saying stop, not interested, do not mail. I still keep  receiving phone calls and mail. I received a phone call on XX/XX/2019 and than on XXXX XX/XX/XXXX where my credit report was illegally pulled with out a verbal or written consent. On XX/XX/XXXX the phone call with Cross Country the representative stated if i was interested in refinancing i stated not at this time. Than he went to say well i have a coworker who will just give you information about today 's rate. I hung up the phone. Than i receive an alert that my credit report was pulled from this company. I immediately called back XXXX it kept going to voicemail. Than i called the XXXX XXXX company listed on the credit report for Cross Country. And i asked why was my credit report pulled i did not give any permission to have it pulled. The representative stated i can dispute but they don't have to have permission to use my information to pull my credit report. But i will have to contact them to get a letter of deletion. The representative stated i will have to call the company to request. Than another representative called me from cross country ( XXXX ) stating i have great news to help you refinance. I said i never gave you permission to pull my credit report. He said but don't you want a great rate. I said no i never authorize at any time for you to pull my credit report or have access to my information please send a letter of deletion and put my name on your do not contact list. Than he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear XXXX/TransUnion/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :

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 2020-10-08 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: CO

Complaint narrative:
I have tried 4 times to get the credit bureaus to remove accounts that are in violation of my rights and I have yet to get 1 reply from any of the 3 Bureaus and the accounts remain on my credit report. The accounts are collections and they either are reporting the account as an " open account '' have listed a past due amount as well as they are reporting me late 120 days. These are all FCRA violations to be doing any of these things on a collection account and they refuse to remove them or even reply to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
on XX/XX/2020 I wired {$5000.00} from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person who was supposed to receive the funds, NEVER received them. it never reached the beneficiary 's account. 
I asked the XXXX  XXXX XXXX to return the money to my bank account since it never got to the other count. 
Several times XXXX  XXXX XXXX contacted the XXXX XXXX XXXX XXXX, but there was no answer. 
just once, the XXXX XXXX XXXX XXXX  answered that the funds have been deposited to the beneficiary 's account and since they have withdrew them, they can not return the money. 
When i contacted the beneficiary, they stated that the funds were never deposed in our account and they sent me a PDF from their account showing there no {$5000.00} deposed in their account from XX/XX/XXXX to XX/XX/2020 as you see it in attachment. 
the XXXX XXXX XXXX XXXX  is not returning the calls for XXXX  XXXX XXXX, Nor do they return the funds to my account. 
Where is my Money???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I came in to the branch on Tuesday and opened an account. The process was fairly fast and easy and everyone was very nice. I even met the branch manager and was told that I can setup my direct deposit and any automatic transfers since the account was fully opened and I had nothing to worry about. I went home and made a transfer to my new account via XXXX  and everything was fine. I go to check my account via the mobile app today which is now Thursday and I got a message saying it was restricted. I was so confused as to why since I didn't do anything for that to happen. I called the bank and the manager told me he doesn't know why and to call customer service as it's pending closure. I started to panic since I've already set everything up to this account since I was told everything was opened and fine to setup permanently. Custer service told me that chase decided to close it with no explanation  and it can't be reversed. That's so unprofessional and when I went on XXXX I saw that this has happened to so many other people. Why open the account just to close it days later once people set up their lives revolving an account they were promised was good to go? This is horrifying and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Recently I was issued a new credit card from Aspire because it was alleged that fraudulent activity was detected on the initial card issued. The company did not return my {$99.00} activation fee and did not indicate how credit protection that I purchased would aid in this matter. Prior to fraud detection, I was only able to use 50 % of the available credit before purchases would be declined. As of this date, I have received a new card and recently received a notice that my auto insurance payment has been declined when there are sufficient funds to pay the amount due. The credit card verified there are sufficient funds but denied that the automatic payment was declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I have been trying to access the XXXX website for a week and it is not available for my country, Puerto Rico. Every time I try to access I get the following message : XXXX XXXX XXXX The XXXX website is not currently available at your location. Visit XXXX or www.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. 

Why can't I access the web? By mail it takes a long time and I have the right to access it like other countries. 
I am a XXXX XXXX and I refer clients to use the access and they have not been able to do so either. 

Thank you for you assistance.

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have been calling GM Financial about this Repossessions on my credit and they keep telling me to disputed it and I do and they do nothing about it.i have called them A few dozen time about my account which is pay in full and I have paperwork stating that I have my truck and a letter from them saying it paid off they will not assist me at all. Im trying to purchase a house and this is really stopping me at this time hurting my credit score. And me and my family is suffering from this because we need this off my credit to move forward please please help us.,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: MD

Complaint narrative:
I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus. I have included my change of address card along with my md state ID .This is the 3rd time I have had to identify mysef and your system eoscar continues to give me a generalized response stating it can not identify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
We purchased a travel trailer through a dealership and the financing was done with Huntington Bank. We did not receive a payment statement or book. We have not received a single paper statement from Huntington Bank because they originally had the address incorrect by one number. They sent an email to my spouse that wasn't seen in his spam folder. We received a phone call when the account was 30 days delinquent and called to settle the account. We made a payment and fixed the address. We still haven't received a statement. We called a second time to make a payment over the phone. The account is in good standing and have made two attempts to set up auto payments. We are waiting for it to process. The company submitted a negative submission to the credit bureaus for the 30 day late payment on our very first payment ( which we never received a statement or booklet. ) This dropped our credit score and now are unable to purchase a home. I have spoken to four different people at Huntington Bank and they state, " We called, so there is nothing we can do for you. You should take this up with the credit bureaus, good luck. '' I understand we should be checking the spam folder for their notice, but it is bad business to have the incorrect address, never send a statement, and then ruin someone's credit for a first payment being missed. We asked if their was anything we could do and even offered to pay the balance in full to clear this up, but they were unwilling to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: OH

Complaint narrative:
i called to dispute some transactions on XX/XX/XXXX XXXX 2020 for my us relia bank card they sent me a new card but put a fraud lock on it, i have faxed documentation over twice and they have not reviwed it ts been almost 4 weeks and i still cant access my card

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 2020-10-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
Macy 's has been unable to resolve an issue of wrong charges posted to my account and has been adding late payment fee on top of the charges posted incorrectly to my account. I have called Macy 's customer service multiple times as recent as on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX, ID # XXXX and on XX/XX/XXXX, I spoke with an associate with ID # XXXX. Both associated acknowledged that the fault is at Macy 's end and they will put in a recommendation to fix the issue. No action has been taken so far and I keep receiving bills with even a higher amount due to added late payment fee. 
I started this discussion with Macy 's team in XXXX of XXXX and even had my lawyer speak to Macy 's. All discussions for almost an year have not led to resolution. I am sure that this is impacting my credit score. I would like Macy 's to take responsibility and fix the issue at their end. I would also like Macy 's to correct the information so my credit score is not impacted by their mistake. 
I would never every purchase anything at Macy 's and encourage others to do the same. A firm which can not resolve a billing dispute in almost an year does not deserve customer loyalty.

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 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I refinanced my mortgage and the full balance was paid off on XXXX/XXXX/20. So I would not be late on a payment for XXXX, ( XXXX is considered late ) I made a payment on XXXX/XXXX/20 for XXXX. The loan is completely paid off and I have a new mortgage with another company. I have no existing mortgage balance with Pennymac. Pennymac ( or it's parent company ) reported my fully-paid off loan as delinquent to XXXX  and my credit score subsequently dropped 90 points. I'm filing a complaint because the information submitted by Pennymac is untrue and detrimental to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: IL

Complaint narrative:
Sallie Mae would call every almost every hour multiple times in a row for some days leading up to the due date of the loan. I got so frustrated, I tried blocking their number ... So they used a different number to call me. When I finally got the time/needed to talk to them, I answered and it was an automated caller that didn't allow me to talk to anyone. At a different time with a similar scenario, I contacted them and tried to figure out a repayment plan. After hearing the information they had to give, I tried to contact the borrower ( I am a cosigner ) and was unable to with normal means. I called them again, was met with hostility by the manager after I told them that I needed to look at my finances and try to contact the borrower again with different means. The manager was angry with me and questioned me about how I was trying to contact the borrower, why I hadn't tried that method yet, and " What makes you think she will answer you this time? ". I was surprised and upset and was disconnected from the call ( not by my fault ). I was furious and wanted to call back to complain to a manager, but I had to go to work because the call took too long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
After a couple months of getting things in order on my credit reports, I applied for a discover secured card on XX/XX/2020 for which i was approved! Great right? Wrong! After Discover approved my application, I received a link for to have my identify verified through XX/XX/XXXX. During this time i had no access to the online platform or anything. After I sent my information to verify my identity i was told my account would be closed. WHAT! Thats absurd! Theyve already placed an inquiry on my credit report, which in return i lost a few points. They also already reported the account on my credit report which also caused my credit age to decrease.. which also caused a loss in points. This is ridiculous! So i have to deal with a new closed account on my credit, a new inquiry and i have 2 wait 2 whole months just receive my deposit back?! I didnt take that long for them to withdraw the deposit, so it shouldnt take that long to release it!

Company response to consumer: Closed with explanation