vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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: NJ

Complaint narrative:
During this pandemic crisis, Congress passed many provisions halting payments on loans as well as interest rates. Wells Fargo, N.A. the crooked bank is back at it again with their ambiguous methods. They have been reporting delinquencies on myself and the co -signer 's credit ; including not taking payments posted via Debit card in a timely manner. Regardless of paying my student loan on time before the next consecutive 3mos. forbearance, this bank aims to strangle customers who can't pay rent or buy food enough as it is.

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 2021-01-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
WILLIAMS AND FUDGE INC has been calling me multiple times per day regarding a past due to tuition amount from XXXX University. This past due amount was previously paid for via my federal student loans. 

I have already paid back the balance still due for tuition directly to XXXX University. This company should not be contacting me at all nor placing a collection on my credit report. 

I have not received any notification in writing from this company stating I owe the amount of {$1600.00} as stated on my XXXX credit report. This means I am not able to dispute this debt nor am I able to assert my rights. 

I do not wish to be contacted 10x a day via phone as like many people during this pandemic I am working from home and consider these calls to be the same as contacting me at my place of work and disturbing my ability to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was scammed out of {$2000.00} by someone pretending to be Citizens Bank. I received texts stating, " Citizens Bank Fraud alert- reply Y or N if the purchases are authorized. '' I then selected " N '', and received a text saying, " Thank you, Citizens Bank will be with you shortly. '' Then, someone on the phone told me that a claim was put in and asked me to verify my email. It was only after the fact and after going into the branch that I realized it was a scammer all along. The scammer hacked into my online banking and used a service called XXXX to send himself payments of {$1000.00}, {$900.00}, and {$100.00}. I could not access my online banking so I knew something was up, so I went into the branch at XXXX XXXX in XXXX, MA on XX/XX/XXXX. I was told that a claim had been filed and I should get all the money back by the end of XXXX by XXXX XXXX XXXX and XXXX XXXX. By the end of XXXX, I called the bank once more as the money was not returned. The fraud department told me that they could not find a claim. So, we had to submit a whole new claim as the bank either lost it or a claim was never filed and I was lied to. After filing the new claim, I was told that a provisional credit would be given to me so that I would get the {$2000.00} back. Once more, I did not get a provisional credit and contacted the bank once again. XXXX told me that they are just backed up and I should get the money back. Then, I received a letter in the mail dated XX/XX/XXXX, from Citizens Bank which stated that they dispute the claim saying that the {$2000.00} was authorized by me ( which it wasn't ) and thus, they will not credit me the {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Today Barclays locked me out of my personal savings account that I have had with them for five years. Last week I opened a new checking account with XXXX ( XXXX ) and linked my new XXXX account to my Barclays savings account. Today, Barclays locked me out of my savings account. I can no longer log in or access my funds. Barclays said they did this for my security because my XXXX account is new and they can not verify that I am the person who opened it. But I am the person who opened it and losing access to my savings account does not feel secure at all, especially right now. Barclays asked me for a bank statement and a verification letter from my new bank. Barclays said it would take at least two days and possibly a week before they would restore my access to my savings account. I don't know who to go to for help about this. Barclays said it was their security department who mandated that I be locked out of my account since they can not verify my new XXXX account. This does not seem right to me. My mortgage payment is to be withdrawn from my Barclays account in a few days.

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 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover card has billed me XXXX dollars in XX/XX/XXXX. My limit was XXXX. They said the reason why it went to high is due to the return of payments sent to Discover from a bank. The interest running XXXX dollars in XX/XX/XXXX. They requier a arbitration, which i do not know how to go about that. I talked with them on Friday XX/XX/XXXX about the mess of amount but got no wheres. Right now as of XX/XX/XXXX due to interest the total is XXXX. From XX/XX/XXXX to XX/XX/XXXX there was not spent XXXX dollars spent on my card. They want me to pay the whole amount. I know by all my statements that the amount is wrong. I want to sue Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was made aware of some inaccurate and erroneous items on my credit report in XX/XX/2020. Over 60 days ago I disputed these inaccurate items and to this day no response. I feel like Im being ignored of my issues, and there is nothing I can do. I detailed in the previous letters why they were inaccurate. I was also affected by the XXXX data breach and now Im thinking my information had got into the wrong hands. The items are harming my credit report and demand they be removed immediately.

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 2021-01-25 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: SC

Complaint narrative:
I was made aware of some inaccurate and erroneous items on my credit report in XX/XX/2020. Over 60 days ago I disputed these inaccurate items and to this day no response. I feel like Im being ignored of my issues, and there is nothing I can do. I detailed in the previous letters why they were inaccurate. I was also affected by the Equifax data breach and now Im thinking my information had got into the wrong hands. The items are harming my credit report and demand they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THE CHAPTER XXXX CASE # XXXX IS REFLECTING INACCURATE INFORMATION AND SHOULD BE DELTED DUE TO THE BK CASE NUMBER BEING ENTERED INTO THE BK SYSTEM UNDER 2 DIFFERENT FILINGS. THE CORRECT CASE NUMBER IS XXXX AND CASE # XXXX SHOULD BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Hi. I have a existing loan with Caliber Home Loan and they have send me flyer to low my interest rate with no closing fees if I refinance with them. I started my process and was able to bring another loan to Caliber. I was promised to close by end of XX/XX/2020. My loan consultant was change, then customer service was getting worse. They were not returning phone call or email. I summited my loan as primary and I provided whatever was needed to consider this as primary. They kept on asking me one thing after another. They basically were thinking I was lying. Long story short- now it is almost 4 months. 2 weeks ago the underwriter want the appraisal changed and we went and change it. I thought that was the last thing. I called the customer service and confirm everything and he mention my loan was approved as primary and we wont have any problems. I got a call from loan consultant after 2 hours saying my loan is not approve and appraisal was not over turn. I was pretty much like someone just told me something else. Next day XXXX my loan processor called and said your loan is approved as primary and we want to schedule signing. She even mention my loan consultant made a mistake. My loan process and I work all day to set up signing in 2 days. Next day my loan consultant calls me again and said loan is not approved as primary. A day before my signing. At this time I was just super XXXX. I got on the phone with her manager and he was no help. ( I have emailed and called him several time but that guy always ignores me ). I went up to CEO and filed a complain. couple other managers got involved. We solve this situation out on Saturday after having a conference call. I was given a closing estimate and I made a decision on that. Monday I got the final discourses and they were charging me additional $ XXXX to whatever they send me couple days ago. Their respond was that it was mistake. I said AGAIN. I have wasted my 4 months with this company. This company is the worst customer service I ever being through. I regret closing my other loan with this company. I have all the proof where they have quoted me approval and pricing and how they came to me and change it. Very unprofessional and unexperienced people. Shame on Caliber to have people like working for them and giving customer so many different wrong information. I would like CFPB to look into this matter and hold Caliber Home Loan reliable. Financials institution just cant reply wrong information so many times to same customer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a copy of my credit report on XX/XX/20 By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report XXXX XXXXXXXX XXXX  account XXXX, it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ) ( a ) you must complete this investigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XX/XX/2020 My payment was applied to the wrong loan. The agent who follow a month after was aggressive and tried to force me to make a payment when the agent I spoke too make payment mess up. This second time this has happen to me. The first time was last year and they would say they put a recommendation for my account to be update. But the follow week I would receive calls saying my account was past due and do the process of explaining that a agent applied my payment wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a typed dispute letter to Transunion, for verification on an item on my report and information on the person they spoke with to verify information. They sent me back a letter to say that it was illegible but clearly it was a typed and also typed in a way that a person could read it. I did not submit to e-oscar verification or any other electronic method of verification so I am unsure how a clearly typed letter is illegible.

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 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently pulled my credit report and discovered a number of inaccurate items. Over 60 days later I haven't heard anything back from each bureau. I feel like Im being taking advantage of. These items are causing me a great deal of grief because they are harming my score. During this difficult time for my family I don't need anything hindering me financially. I also made the bureaus aware I was affected by the XX/XX/XXXX data breach which Im just now finding out about and Im afraid my information has got into the wrong hands.

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 2021-01-25 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: CA

Complaint narrative:
I recently pulled my credit report and discovered a number of inaccurate items. Over 60 days later I haven't heard anything back from each bureau. I feel like Im being taking advantage of. These items are causing me a great deal of grief because they are harming my score. During this difficult time for my family I don't need anything hindering me financially. I also made the bureaus aware I was affected by the Equifax data breach which Im just now finding out about and Im afraid my information has got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: MN

Complaint narrative:
I reached out to Equifax, XX/XX/XXXX and XX/XX/XXXX on three different occasions XX/XX/2020, XX/XX/2020, and XX/XX/2020 about fraudulent accounts and inaccurate personal information that is present on my credit profile also due to fraud, I also called in XX/XX/XXXX and spoke with the supervisor XXXX XXXX, ref # for the call is XXXX XXXX XXXX, I also spoke with XXXX same reference number I was told inaccurate info would be removed ( addresses, names, inquiries ). Those items are yet to be removed. I also sent proof from FTC report with dispute letters. It is evident they are breaking the law seeing that they haven't responded in over 90 days. These are the tacking numbers for each certified dispute that was sent out XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These are the fraudulent accounts and inaccurate info requested be removed XXXX XXXX XXXX account # XXXX, XXXX XX/XX/XXXX A account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that need to be removed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Please review this info and check with these bureau to see why they haven't removed these accounts or even responded to me within the legal time frame. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent intoXX/XX/XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XX/XX/XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XX/XX/XXXX is the reason why this has happened!

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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo billed us for a charge of {$320.00} for an ATM withdrawal in XXXX XXXX where we have not been. Wells Fargo claims that it was done with my wifes debit card. My wife has not been to XXXX XXXX so the charge is fraudulent. 
We tried several times for resolution with Wells Fargo and they refuse to do the right thing and correct it. 
I have been a customer for XXXX years and they treat us like XXXX. 
XXXX Wells Fargo and see that they tell us who they are, yet we still do business with them. Why? 
Wells Fargo might be great bankers, but lousy humans.

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 2021-01-25 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.

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 2021-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.

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