vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent Certified mail to XXXX XXXX XXXX, XXXX, Equifax, and XXXX about the 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS OF 15 USC 1692b ( 2 ) and 15 USC 1692 ( 5 ). I am demanding DELETION of this account from my consumer report from all 3 of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Dear CFPB, My mortgage is with wellsfargo, I applied Covid 19 forbearance between XXXX, XXXX - XXXX, XXXX for XXXX month. 
The balance was {$XXXX} as of end of XXXX, XXXX I started making payment XXXX, XXXX after XXXX month I made XXXX payments {$XXXX} XX/XX/XXXX for XXXX payment {$XXXX} XX/XX/XXXX for XXXX payment The balance is {$XXXX} as of XX/XX/XXXX No statement to explain the increase of the principal balance I asked bank to explain the increase of the principal balance, I haven't gotten the answer from the bank. 
Please help me. 
Sincerely, 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 2021-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
On XX/XX/2021 I opened a savings account with Citi Bank in response to their solicitation to provide me XXXX Aadvantage miles as long I deposited at least {$XXXX} for XXXX  months. Since XX/XX/2021 I have maintained a balance over {$XXXX} dollars, yet I have not received the XXXX XXXX miles Citi promised me with their offer.

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 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2021 I disputed XXXX items on my XXXX consumer credit report that was allegedly furnished by the company Affirm. My dispute was delivered to Affirm on XX/XX/2021 and they have failed to respond to my dispute within the XXXX day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I initiated a consumer credit transaction with capital one on XX/XX/XXXX.I disputed the validity of the debt in the amount of {$XXXX} on XX/XX/2021 and they still have not provided me with the proper validation. Despite my request for validation, XXXX, XXXX, and XXXX have furnished negative reports on my consumer credit report. Capital One is sharing my information without my consent. no consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America needs to be investigated or shut down they are hiring employees that dont know how to do what the customers need them to do someone filed a room without my permission on XX/XX/XXXX they left my account pending for XXXX weeks the person. Assigned to my case in the back Office got upset me because I made complaints about my account whoever he or XXXX is went into my account and found a claim From last year and out my account in the negative they waited XXXX weeks to tell me That one of the representatives did my claim wrong and actually duplicated my claim Last year but Im Just finding that out when they put my account in the negative thanks to them I have no money to pay bills at all and they are not treating my account right at all Im currently looking for a lawyer because I feel I need to be compensated for XXXX years of incompetence from a bank that is supposed be professionally but they are just lost Confused uneducated thiefs and liars to their customers amd they are stealing from the poor my claims have police report numbers iv faxed over but Im being told that they have no record but I have proof that I did send it in more then once shut this bank down now please

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 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I responded to a credit card offer I received in the mail form aspire and applied online. I received a response via email on XX/XX/21 saying I was approved for in the amount {$XXXX} and added my wife as a authorized user and I should receive my cards in the mail with in XXXX weeks. I never received the cards but I did received an email alert saying my cards had been activated on XX/XX/21 at XXXX a.m I called the credit card company on XX/XX/21 to let them know I never received the credit cards and asked how the card where activated. I was told they activated via phone and they used my zip code and my Social Security number to get activated. At this point I had to go file a police report and they advice me to file a report with your agency as my personal information was in jeopardy and the Fraudulent Charge Affidavit document they provided me with didn't seam to be legitimate. In the document they are asking for a copy of my driver license and my social security number which I don't feel comfortable providing. This information was already provided to them and they should have in on file. I'm not sure if this company is legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I closed all of my accounts with Citibank in XX/XX/2021. They have refused to close a savings account ending in XXXX I have called them numerous times and spent many hours on the phone they are wholly incompetent and unwilling to locate and close the account however they know enough to continue charging me {$XXXX} per month and overdrawing the account with account fees although the account has been closed for over XXXX months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Once again I am opening a complaint against Equifax, since the XXXX closed my last one without a single thing being fixed. 
Equifax has been injecting errors into my reports and their responses for XXXX  months. 
Every time I have worked to correct those errors, they have made excessive soft pulls on my credit report, as a way to punish me for trying to fix their errors that they injected. 

My former complaint : COMPLAINT ID : XXXX was not resolved in any way whatsoever. They are sending letters to me by addressing me with the WRONG NAME on their address labels, and the WRONG NAME on their greeting. They have not fixed this whatsoever. I had also specifically requested that they not make any pulls on my credit score, and remove the excessive pulls they had made without fixing their errors. They ignored both. They pulled my credit again and they have not removed the excessive pulls they made before - meaning more than XXXX pulls on my credit in the last XXXX months, sometimes XXXX  TIMES PER DAY, often XXXX TIMES PER DAY, and/or at least once per day for consecutive days. 
I have photos to share of all these issues, if you provide a way to share them. 
I also attached photos to my XXXX complaint against them, but they ignored everything I was saying and just tried to close both complaints, which simply won't work. 
I will continue to escalate and confront this until it is fixed. 
XXXX needs to grasp that Equifax is injecting errors into consumers reports and not fixing them, but instead penalizing the consumer for confronting their mistakes by making excessive pulls on the consumer 's credit. Then they try to cross-sell the consumer to pay them money to get their credit report fixed " faster '' - which is tantamount to a business model based on holding someone's credit XXXX and demanding a ransom. 
It is not acceptable to me that I made a complaint with XXXX  and the entire thing wasn't remedied even slightly. These are not minor mistakes - my name is not a matter of opinion. It must be corrected. And Equifax should not be allowed to make excessive pulls on a consumer 's credit without fixing a single thing for XXXX months. It is both an issue of taking way more than XXXX days to fix something, and also not fixing the consumer 's issue all. 

PLEASE DO NOT CLOSE THIS COMPLAINT UNTIL I HAVE CONFIRMED IT IS ACTUALLY FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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 filed for Ohio XXXX XXXX on XX/XX/XXXX, and my US Bank Reliacard was mailed on XX/XX/XXXX. I have received XXXX weeks of payment in the form of a check, but there are XXXX weeks of outstanding payments that I am currently due and I am also going to be short on rent due to the extreme delay of the ReliaCard delivery. The website has consistently said the card will be delivered in XXXX business days, but that's been about a week now that it has said that and I have been provided absolutely nothing. I'm very concerned about making rent on the XXXX and my other bills that are due very soon after on the XXXX of XXXX. The delay of this card has caused intense anxiety and I truly don't understand why it's taken such a long time but I want an answer and an exact delivery date but XXXX and US bank haven't been able to provide me with any of that.

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 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I contacted One Main Financial 's XXXX XXXX PA office via phone in mid XXXX, 2021. 

During an extensive discussion about my financial needs, situation, and assets, I DID provide my SS #. 

On this initial phone call, well before anything was agreed to, upon learning that the interest rate would be in the range of 22 % plus, I made it very very clear that there would be no further interest by me in their services and " thanks anyway '' The following day, an agent called again to attempt to get my business, I made it clear again it would not happen, stating " thanks anyway '' Still, after this, One Main Financial pulled my credit report for loan qualification assessment with NO PERMISSION FROM ME to do so, and in fact, with my expressly stated position that we would not do business. 

This is clearly a violation of protocol since credit inquiries such as this damage my credit score, and it is completely up to me to expressly allow or deny such inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I have applied for a Home Refinance Loan with Quicken Loans/Rocket Mortgage. The Loan officer gave me an initial estimate based on ; first the house facts, my credit score, and home value that they estimated using their model, and when I say " they '' I mean Quicken Loans and the loan officer. Based on the first estimate, I was given a rate and closing cost that I liked and asked to get it locked. In order for me to proceed they requested I pay for a home appraisal which is about {$700.00}. I agreed to pay the fees based on the cost in the initial estimate that me and the loan officer already discussed and agreed upon, however, the appraisal came XXXX thousands lower than the home value that their model/system predicted, and as a result they increased my closing cost, and on the top of that they refuse to refund me the {$700.00} I paid for the appraisal because I don't want to proceed anymore as a result of their bad practice. 

This is just unaccepted practice, and there must be a way to stop gigantic loan companies from ripping people their money off just like that.. 

I have all the documents and the emails that support my claim and happy to provide them upon request. I attached two docs for each estimate, the initial offer and the final after the appraisal. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of AmericaClaim ID : XXXX Claim amount : {$XXXX} Bank of AmericaClaim ID : XXXX Claim amount : {$200.00} Bank of AmericaClaim ID : XXXX Claim amount : {$52.00} Bank of AmericaClaim ID : XXXX Claim amount : {$200.00} I purchased online XX/XX/2021 to purchase costume for {$200.00} and {$52.00}. {$1.00} and {$6.00} are international fees. Purchase costume is used for street parade art performances on XX/XX/XXXX and XX/XX/XXXX. The purchasing agent promises to arrive in the United States within XXXX days. The package has been delivered but arrived are not on time and not needed anymore. So I requesting for refund. 
I contacted purchasing agent directly to get shipping confirmation after ordering on XX/XX/2021. But purchasing agent did not give response. Until XX/XX/2021 The purchasing agent told the buyer the required shipping fee, so I then remit {$300.00} immediately, which is not enough, then increase the remittance {$200.00}. {$6.00} and {$9.00} are international fees. Total items and fees is now {$780.00}. 
The buyer contacted the purchasing agent on XX/XX/2021 for shipping details. I requested a refund if not shipped yet on XX/XX/2021 at XXXX AM. Contacted conversations included in separate page. 
On XX/XX/2021 XXXX AM the " XXXX '' of agent purchasing said : " already shipping, tracking number : XXXX ''. In fact, the package is not shipped at this time. According to the agent purchasing tracking system, it shows : " Document Clerk : XXXX XXXX, the printer Clerk, is delivering the package for you. '' it is XX/XX/2021 at XXXX AM. Until XX/XX/2021 at XXXX PM, the agent purchasing tracking system showed " Your package has been shipped from Panli and it be expected to arrive within XXXX working days I called the customer service of Bank of America as early as XX/XX/2021 in the morning, requesting the bank to investigate the transaction that the buyer requested to cancel due to the deliberate delay of purchasing agent, and return the mandatory transaction payment. The package has been delivered to the buyer 's address on the afternoon of XX/XX/2021. The package has not been opened because the scheduled holiday performance time has been missed. I am waiting the purchasing agent to provide a return label and address of their warehouse to return the package. 
The decision not to refund is unfair to the buyer, so the next step is to take legal action.

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 2021-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
My ex wife & I filed for divorce in 2009. She took out a credit card in my name, under her business name, with her business address. This cared was not submitted in the divorce & she is refusing to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am having a problem getting my free annual credit report, I am entitled to annually under the Fair Credit Reporting Act ( FCRA ) from XXXX XXXX, Equifax and XXXX. Furthermore, I need my credit report released to all lenders, creditors, banks and credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am having a problem getting my free annual credit report, I am entitled to annually under the Fair Credit Reporting Act ( FCRA ) from XXXX XXXX, XXXX and Experian. Furthermore, I need my credit report released to all lenders, creditors, banks and credit unions.

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 2021-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2021, my daughter used my card to order her cap and gown. 
On XX/XX/2021 my daughters school emailed her and notified her about a cyber incident that had taken place w people who ordered their cap and gown and told me to keep a watch out for my card. 
I was out of the country so i was not able to access my account. As soon as i got home i checked my account and it was wiped out to {$0.00} ( i originally had a balance of XXXX on that card ). 
on XXXX, XXXX, 2021 i filed my first claim. And provided them with all the information i had. 
I received a temporary credit of XXXX applied to my account. I received a new card as well. On XXXX XXXX, the temporary credit was wiped out of my account again. 

I contacted boa that same day trying to figure out what happened and how this was able to happen if a new card was issued, and the representative told me that the " scammer '' had linked their account # to my account and they were able to wipe it account again threw a bank transfer. Which was not stated to me, or know by the first representative when i initially filed the claim Since XXXX been filing claims and they've been giving me the run around, and I've had to make new claims almost every time I've called because they keep getting closed out. My most recent claim number for BOA is:XXXX  Early XXXX, 2021 i got a letter in the mail saying that my account was credited the XXXX. So i went in to the bank to try to withdraw it and it was not in my account. Connected BOA and they claimed that the claim wasn't resolved it. I've been getting the run around for about XXXX  months now. I need my money back. 

I've contacted XXXX XXXX as well on several occasions. And filed a claim with them as well.

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 2021-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was denied a mortgage loan the day of closing with no explanation by Navy Federal in XXXX of 2021 and I believe it was due to the algorithm rigged against my XXXX XXXX  ethnicity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and noticed an account by the name of XXXX XXXX XXXX reporting to XXXX credit bureaus Experian XXXX XXXX... I have never opened an account with XXXX XXXX XXXX .... I contacted the company and I was told that I am not in there system .... But for some reason they are reporting a XXXX with a balance of {$3300.00} .... This account is a fraudulent Account which I have no knowledge of .... When I checked my credit report I also noticed phone numbers, addresses, and my name spelled incorrect. I DECIDED TO GO TO MY LOCAL POLICE DEPARTMENT TO HAVE A REPORT COMPLETED DUE TO A FRAUDULENT ACCOUNT.

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