vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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: CA

Complaint narrative:
I am trying to re finance my loan and XXXX XXXX XXXX said he is having difficulty in pulling my credit report and asked me have I frozen my credit and I said I haven't done anything on my credit file. So Lender asked me to get in touch with Experian and find out what is the problem so I called customer support and found out that some company has placed some kind of file in my account and that's needs to be sorted out or straightened out. 
Experian support person will not tell me anything more then that. 
To resolve the issue they wanted to identify me and said I need to answer some questions to identify my self, I said sure go ahead and ask me questions. First few questions I could answer them clearly but one questions pertain to 10 years ago which credit card did I closed, 10 years ago? I didn't remember which card was closed so he said he can not help me out. Since matter was urgent as my application had to be processed by lender I requested him the problem created is by some company you sort it out and remove that problem so lender can access my file. I do not want any information, my lender should get the info he needs. 
But Mr XXXX was very rude and refuse to help me, He did not allow to talk to a supervisor I requested him several time but he denied every time. Avoid negative remarks on survey at the end of call he just transferred me into system again so I can not attend the survey. 
I need answer for such negligence and rude behavior of Mr 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 2020-04-03 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: FL

Complaint narrative:
Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

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 2020-04-03 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: OH

Complaint narrative:
looking at my credit report noticed it contained some errors relating to my addresses and file accuracy I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please delete/remove the following Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, OH 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 2020-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Today, I was declined service at the XXXX MD  branch even though I presented my valid driver license. Afrer 20 minutes of waiting, I offered to write a HELOC check for the withdrawal, but was told I needed to produce my passport to make a withdrawal. Then I was denied a withdrawal of ANY amount by the head teller ( XXXX XXXX ) and the assistant manager ( XXXX XXXX ). I desperately called the regional admin ( XXXX XXXX ) while there, but she never returned my calls or texts. This is not the cash withdrawal policy at TD bank. You only need to show a valid ID - which I did. I correctly answered all security questions. I even offered to show a pic of my passport in my phone from a travelitinerary, but was told that I needed to come back tomorrow with my passport. I begged for cash or to do a wire, but was declined. I should be able to make a withdrawal on any given day, but during this unprecedented time to be treated so horribly when I need to feed my family, they should all be ashamed!! This virus is LIFE or DEATH and this bank treated me like they didn't care if I died.Now, I am too afraid to leave the house again, but we have no food and I can't get ANY money from my account to buy food and pay bills. I lost my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage Services out of New Jersey. does not cash my payments on time them report me as late. then add fees to my account. they are criminals. this has been going on for years since they purchased my loan. a few years ago, this company operates as a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: CA

Complaint narrative:
I have fraudulent accounts thats not mines, Ive sent the FTR report but they have not removed the items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am looking for loan forbearance under the covid-19 assistance from SunTrust bank. I have spent over 36 hours on hold only to be cut off. I try to fill out the form on their website and it does not recognize my loan number. I can not find a means to email them. There is nothing on their website to email them. I can not find an email for their corporate offices. None of the phone numbers I have called are answering or giving an option for a call back. I am a customer of SunTrust and have no way to talk to a live person to discuss my issue nor to communicate electronically. I am completely shut out.

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 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My checking account was closed by Citibank without warning or notice XX/XX/2020. I called customer service reps on 7 different occasions to find out the reason why. I was told by reps that my account was closed by Citibank 's fraud department. No one seems to be able to give me any info on what i need to do to retrieve my money. Also Citibank refuses to connect me to their fraud department so i can discuss this matter. I have over {$1300.00} in that account that I need desparately. I have been told to go to a Citibank branch and get my money but there are no physical branches in Texas where live. I received an email from Citibank stating there was a message for me in the Citibank mobile app. I can't read the message cause i can no longer access my account info due to them closing my account! I am at my wits end because i am getting nowhere with this bank. They are trying to keep my money and that isnt right. I need your help desparately!

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 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I followed the TD Banks instructions to close my account, emptied the account and called them. They are saying that they are locked out of my account on the phone, that I should send a secure message through the app. I did that. No answer for two weeks. I tried to go to a branch but they are appointment only. Their online queue system for appointments dropped me. Someone did call be about resolving my issue but then never followed up. I'm at a loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
During the corona virus my mortgage company is only giving us one option for our mortgage payment. The only option is to file a forbarence and when we return to work they will add the amount to the existing payments til it is paid off. I can not afford to raise my mortgage payment and Im out of work now. They wont even speak to us its a recording and what I can find on their website. The company is called loancare llc.

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 2020-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I made an international transfer 1 month ago through the Remitly app and the app shows that the money was sent, but in fact, the money never get in the bank account that I had sent. With a lot of difficulty, I finally had contact with the company through their chat, and talked for hours with one of their attendants who said that the company would contact me from 24 to 48 hours business, it has been 3 weeks, nobody from the company has contacted me so far, and nothing has been resolved, my money has not been returned either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: CA

Complaint narrative:
I have fraudulent accounts thats not mines, Ive sent the FTR report but they have not removed the items

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 2020-04-04 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: CA

Complaint narrative:
I have fraudulent accounts thats not mines, Ive sent the FTR report but they have not removed the items

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 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I mobile check deposited {$6000.00} from wells fargo to XXXX XXXX on XX/XX/2020. 

XXXX closed my account XX/XX/2020 I have no access to withdraw. 

I contact to wells fargo to stop pay the check. WF letter me the fund already posted and cashed before I claimed. 

I reach to XXXX again and tell them its already posted. But they said they cant give my money back and only way is I have to recall the check. 

WF said I am not able to re open the case to recall the check I have to deal with XXXX XXXX directly. 

Both company said they cant and call other company.

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 2020-04-04 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: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-04-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo submitted to XXXX  on XX/XX/XXXX that I was deceased. This is incorrect and Social Security has notified Wells Fargo of this but they have still not corrected my information with XXXX. So my credit score went from XXXX with XXXX  to XXXX, I can't get credit, I can't refi, I can't get a loan, and this will interfere with me getting a job. Wells Fargo is ruining my life and even though my identity and proof of life was made clear to Wells Fargo by me and by Social Security Administration. Wells Fargo is not moving to fix this with XXXX. Their record keeping and accuracy is obviously wrong. What else is wrong? And when given the facts, by SSA they still do not move to fix it. Please, I need my credit and my life back. 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 monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Company keeps calling from spoof numbers and using obscene language.

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 2020-04-04 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: GA

Complaint narrative:
XXXX XXXX submitted to Experian on XX/XX/XXXX that I was deceased. This is incorrect and Social Security has notified XXXX XXXX of this but they have still not corrected my information with Experian. So my credit score went from XXXX with Experian to XXXX, I can't get credit, I can't refi, I can't get a loan, and this will interfere with me getting a job. XXXX XXXX is ruining my life and even though my identity and proof of life was made clear to XXXX XXXX by me and by Social Security Administration. XXXX XXXX is not moving to fix this with Experian. Their record keeping and accuracy is obviously wrong. What else is wrong? And when given the facts, by SSA they still do not move to fix it. Please, I need my credit and my life back. 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 non-monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
Theyu refused to fix warranted items, and when I could not pay they locked the computer cause me medical liabilities I tried to settle in XXXX XXXX Second Court in XXXX, La. but they failed to show up at court.

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 2020-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Federal Reserve reduced interest rates to zero. Interest rates for all types of loans was lowered by all banks. We have home equity loan with " floating '' rate that was supposed to reflect the general trend and Federal Reserve rates in particular. Yet our rate of 4 % is unchanged even in these Covid-19 circumstances. Moreover, after making {$1300.00} payment for principal last month our interest this month not decreased but increased from {$130.00} to {$140.00} ( XXXX! )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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:
I have been disputing this account XXXX  XXXX XXXX XXXX with experian since XX/XX/XXXX and the other credit bureaus, XXXX, and fast XXXX  replenished deleted the account, but experian continues to report this account and responding that the account is correct and verified. when the company has never validated the account or provided a HIPAA release. On XX/XX/XXXX I started to keep track of my disputes in case I needed to make a complaint like this. and here I have some of the proof of my disputes with copies of certified mail and tracking number. also experian open a investigation one date and next date update if and three more date just close the dispute.and this is being since XX/XX/XXXX XX/XX/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 2020-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched usaa bill. This is not mine. Card XXXX. XXXX. Please usaa, provide verifiable documentation of the activation on this creditcard. 
This is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation