vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have applied residential mortgage loan to Wells Fargo bank for the refinancing. I submitted all the documents per their instruction on XX/XX/2020. After that, Bank loan officer, XXXX XXXX asked me to pay appraisal fee ( {$610.00} ). On XX/XX/2020, I received a declined letter. During the process, I never communicated with the loan officer or underwriter at all. Due to their unfair and unreasonable business practice, I requested the refund of appraisal fee to the loan officer by email. Right after that she called, saying she is going to request the refund to the bank. After that, I received a call from XXXX XXXX, Executive Resolution Specialist on XX/XX/2020. She said the bank can not refund no matter what. They only pre-approve the loan for purchase case. 
I am former bank loan officer. I have been in the financial industry over 30 years. I never experienced this kind of unreasonable business practice. It is worse than small residential mortgage brokerage company. They don't have business ethics. I think their loan processing system needs to be fixed. It is totally wrong. 
( Now that I am filing the complaint to CFPB, they sent some document copies with letter to me to cover their XXXX dated XX/XX/2020 ).

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 2020-03-26 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, Citi, XXXX and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports XXXX and XXXX  and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX   report : Date : XX/XX/2020 - XXXX  Mtg Date : XX/XX/2020 - Am Rent XXXX  report : Date : XX/XX/2020 - Citibank Na Date : XX/XX/2020 - XXXX  Mortgage Ser I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX  ( EIN XXXX ) XXXX XXXX XXXXdo I have 7 opened loans but in fact I have just 1 with sellersfunding currently I want to remove others

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 2020-03-26 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:
I submitted payment for the alleged 30 day late payment on my record. The creditor indicated their is no proof for this, thus they can not make an adjustment.

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 2020-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Two fraudulent credit card accounts have been opened with my social security number at Capital One. I have had this confirmed through multiple departments at Capital One. Upon being transferred to their fraud department I have been told that they can not confirm this or verify any information, and that they can not help me. Despite the fact that I have already verified through other departments that there are multiple fraudulent credit cards issued with my information by their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial
State: VA

Complaint narrative:
I have received threading phone calls at work and home from a XXXX XXXX about a payday loan. That was paid in full from a debt collection agency. Ms. XXXX told me she worked with XXXX XXXX who was an attorney. Her number is ( XXXX ) XXXX. I forwarded the proof of the account being paid in full and she told me that it was fraudulent. I could have more than one account taken out. She went back and forth with me on email and Called me back when I refused to give her any more information. She hung up on me and when I called her back from another number she answered with a different greeting. The email is XXXX and the email came from another person named XXXX XXXX. She called my phone and hung up when I told her to proceed with serving me papers. There was no signature on her email and she wouldnt tell me that she worked for XXXX   XXXX just attorney XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I submitted payment for the alleged 30 day late payment on my record. The creditor indicated their is no proof for this, thus they can not make an adjustment.

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 2020-03-26 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I submitted payment for the alleged 30 day late payment on my record. The creditor indicated their is no proof for this, thus they can not make an adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I submitted payment for the alleged 30 day late payment on my record. The creditor indicated their is no proof for this, thus they can not make an adjustment.

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 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Tried to activate Capita One Credit Card year ago. Got XXXX  lady on the phone who asked me why I have accent and my legal status in this country. She probably did not get job in Board Protection Agency that's why she use her unwanted skills with me. I told her that it is not acceptable questions and requested to close account. Called Capital one 12 times every month because they were sending me a statements. Every time customer service told me that he is closing account but when I call them after receiving another statement again and card was active. I tired to call them and close account. I need confirmation of account closure from XXXX  Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: ID Analytics, Inc.
State: TN

Complaint narrative:
SageStream LLC reporting wrong information. No idea who this company even is. 
I got a letter from XXXX XXXX who i never applied to for a loan. I bought a car with another company. XXXX  sent me a letter denying credit of a loan because of Too many delinquencies and number of accounts with delinquency and more. Showed my credit score at XXXX. I have never had a delinquency and my scores with other companies are 700+. 
I have no idea where this company came from or who gave permission to look into my credit. I have only ever heard of 3 credit bureaus. 
How can i stop this company from tainting my credit I received the letter on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: WA

Complaint narrative:
XX/XX/2020 received a bill from LJ Ross stating that " XXXX '' owed {$870.00} to XXXX XXXX in XXXX Michigan. 
XX/XX/2020 Sent a certified/ return receipt letter stating the charge is not mine, my legal name is XXXX , I have never lived in Michigan , I  have never had an account with XXXX XXXX and asking for amount of alleged debt, full name and mailing address of original creditor, documentation that they have verified that I am legally liable for this debt and a copy of that judgement and documentation showing that they are licensed to collect debt in Washington State. 
XX/XX/2020 - Letter was delivered to LJ Ross and signed for by XXXX XXXX XX/XX/2020 - Received a letter for LJ Ross stating that XXXX owed money to XXXX XXXX, a copy of an energy bill from XXXX Michigan and nothing proving their claim that I owe this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI INC, need to remove any information claiming I owe {$340.00} to XXXX XXXX. That debt was paid in full to XXXX. I have contacted the Attorney Generals of Illinois and Georgia to file a complaint. The report says the account was reported on XX/XX/2019. Then it says it was reported XX/XX/2019, which appears backwards. I could not get any proof that this account was mine from either XXXX or AFNI. I was bullied into paying the debt because I am trying to purchase a home. The account # XXXX is showing on all three credit reporting agencies. Please help get it removed. I have also contacted the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had half a dozen Business Credit Cards in the past and have never had a problem with personal credit. I recently opened a Capital One Spark Business Credit Card for a business purchase and they reported my balance and information on my personal credit report. 

I understand that I am a personal guarantor of the credit card- like all business cards- but NONE of the other business cards have ever reported on my personal credit report. I have excellent credit 780+ and used the card for a business purchase of about {$10000.00} and my credit score dropped by 104-114 points. This PERSONAL credit report was not clearly disclosed. When I called Capital One they said it is in the terms and conditions. I checked and it is buried in there. It is NOT clearly highlighted that this will impact personal credit or report on personal credit. They are the ONLY company I have dealt with ( XXXX, XXXX, XXXX XXXX, others ) do not report this. This needs to be disclosed CLEARLY just like APR and other issues. This has now negatively impacted me and I NEVER would have opened this card if this had been disclosed clearly, which it was not, and was misleading. 

I read the entire website- NO WHERE is it mentioned that this will report on personal credit. I read the Terms and Conditions on the site, no where does it say that it will report on personal credit, which is a deviation from industry norms. https : //www.capitalone.com/small-business/credit-cards/spark-cash/ # disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
SCHRONHY BANK, SYNCB, QVC, PPMC PULLED MY XXXX WITHOUT PERMISSION. I HAVE CONSIDER FRAUDULENT.

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 2020-03-26 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: UT

Complaint narrative:
XXXX XXXX is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
n a XXXX Credit Report there was a charge off for a XXXX/XXXX. 
In a recent XXXX Credit Report the same XXXX/XXXX was showing as a collection. 

I am filing a complain against TransUnion, XXXX  and XXXX  for improper reporting of this charge off on my XXXX Credit report. 

This XXXX/XXXX  collection needs to be deleted as it was shown as a charge off on my XXXX credit report and four years later somehow it is reporting differently. 

I have attached both credit reports for you to compare. 

This needs to be deleted off of my credit report. 
Thank you, XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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:
EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THESE FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX : Account Number -- -- > XXXX -- -- -> Date Opened : XX/XX/XXXX XXXX  XXXX XXXX : Account Number -- -- -> xxxxxxx -- -- > Date Opened : XX/XX/XXXX XXXX XXXX : Account Number -- -> xxxxx -- -- -> Date Opened : XX/XX/XXXX XXXX XXXX : -- -- -> XXXX -- -- -> Date Opened : XXXX Fraudulent Inquries : XXXX XXXX/XXXX  : Inquiry Date : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : 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 non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In connection to my complain # XXXX and your reply of XX/XX/XXXX with reference to the BofA Department as a follow up. 
On XX/XX/XXXX I received following email : " Dear Ms. XXXX XXXX : Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ). 
I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 
Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/XXXX to confirm that information. My phone number is XXXX extension XXXX, and I am available Monday through Friday, XXXX XXXX to XXXX XXXX. Pacific. 
I look forward to assisting you. 
XXXX XXXX, Resolution Specialist Regulatory Complaints-Chief Data Office Bank of America ( XXXX ) '' Despite my multiple attempt on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, within the time frame posted, to reach for the Mr XXXX and left voice messages with my name and phone number, no further reply of any kind had been received by this day. 
It was more than 90 days than Bank of America has been investigating the fact of deliberate release of my funds to the criminals as a result of property and Identity theft. On XX/XX/XXXX claims had been honored and funds had been posted to the " frozen '' accounts. Current status of the funds is in processing state from 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 monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Caliber Home Loans holds the mortgage on my property. I am currently over 6 months behind and my house is in foreclosure. Caliber Home Loans is using a call screener to repeatedly dial my on an automated recorded call. The call comes in from multiple numbers and comes in multiple times a day. most often the call comes around lunch or around dinner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: DISCOVER BANK
State: IL

Complaint narrative:
Hi, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, XXXX, Discover and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports XXXX  and XXXX   and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX  report : Date : XX/XX/2020 - XXXX  XXXX Date : XX/XX/2020 - XXXX XXXX XXXX  report : Date : XX/XX/2020 - XXXXXXXX XXXX Date : XX/XX/2020 - XXXX  XXXX  XXXX I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX ( EIN XXXX ) https : XXXX.do I have 7 opened loans but in fact I have just 1 with XXXX currently I want to remove others

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: IL

Complaint narrative:
Hi, CFPB I have a problem and believe that my personal and business info may be stolen and I want to get protected 1 ) Today someone tried to change login information and my phone numbers in the online banking with banks : XXXX XXXX, XXXX, XXXX and maybe others They have changed my email and phone number to their ( fraud ) My email XXXX Name XXXX XXXX My company : XXXX XXXX XXXX EIN : XXXX We have fixed the login information, but I afraid they have access to my personal info and SSN and need your help. 

2 ) Today I have checked my credit reports Equifax and XXXX and have found Hard inquiries that I never gave permissions and I afraid that this info may be stolen as well Here is details : XXXX  report : Date : XX/XX/2020 - Equifax Mtg Date : XX/XX/2020 - XXXX XXXX EQUIFAX report : Date : XX/XX/2020 - XXXX XXXX  Date : XX/XX/2020 - Equifax Mortgage Ser I need your help to fix that 3 ) Also, under my business XXXX XXXX XXXX ( EIN XXXX ) https : //www.ilsos.gov/uccsearch/searchindex.do I have 7 opened loans but in fact I have just 1 with XXXX currently I want to remove others

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The Capital one representative opened the dispute for the transaction I had never requested causing my air plan ticket cancellation, i had to pay triple price for the new ticket. I asked supervisor from dispute department to investigate the case and find out whos mistake was it. Ms XXXX # XXXX informed me that someone from record reviewing department confirmed that I personally requested. I told here that it is absolutely impossible and some one falsify the conversation transcript. I ask her to provide transcript to me for my investigation she refuse to do so. 
Unprofessional job of the dispute department personal caused my air plane ticket last minute cancellation, even more disturbing the fact that investigation was not completed properly and report on investigation was falsified.

Company response to consumer: Closed with explanation