vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX of XXXX I received a Wells Fargo checking account statement. I did not open an account with them myself, nor have I been a co-signer or joint member on any Wells Fargo accounts. I saw that there was no balance on said account. I called Wells Fargo immediately and was told that they would report it to their internal fraud dept and that I would receive a letter in the mail after about 30 days. The rep that I spoke to said that I should maybe expect another statement in the mail since they go out automatically but she assured me that she closed the account. It is now XXXX of XXXX and I'm still receiving checking account statements. Back when I spoke to the Wells Fargo rep I asked who opened this account and if I could have their email address. She would not give me that information which I think is wrong since it's my information they're using. I also never received said report about what fraud happened and am still waiting. This bank seems to be terrible and not have learned their lesson back in XXXX. I'm sending this in as both a complaint that somehow my social security number has been stolen and used to open a fraudulent account and also that Wells Fargo has not handled this appropriately at all.

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 2022-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
wells fargo dealer services was paid off in XX/XX/XXXX and they refuse to release funds mistakenly sent to them by XXXX XXXX in XXXX XXXX, nc by simply returning the check back to the dealer when they saw the account was closed ; instead they kept the funds and refuse to release them. 

I called in XXXX, XXXX and XXXX ; One rep said the funds was sent in XXXX XXXX the next rep said the same. the next rep said it was sent back to them for the wrong address on their file. the next rep said they didn't send nothing they don't have it. the next rep said they haven't released it and it will take 120 days and there is nothing I can do about it and go ahead and report it because there was nothing no one can do, it was their rules and they will wait for the complaint to come thru and they will tell regulations the same thing in a very snobby and boastful way. I reminded them I had the loan since XX/XX/XXXX and never had a issue giving you may money and was never late, now you want to behave like kids when its time to return money that doesn't belong to you, how rude. I will never get a loan from them ever again, they are the worst bank ever in this dept. 

I filed a complaint within their excecutive office XXXX XXXX and they haven't gotten a resolution yet... XXXX case number XXXX XXXX XXXX XXXX filed XX/XX/XXXX and they got back to me on XX/XX/XXXX Acct # /Loan # 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 2022-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
We received a bill from a company fir a line of credit we did not open. The company is Fortiva. There are no charges related to purchases only fees due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
We refinanced our VA loan that we had with Freedom Mortgage. We had an existing loan with them. In our Escrow account we had {$2100.00} at the time of refinance. We were told that balance would be transferred into the new loan. We were concerned because our taxes were due in XXXX, and we did this refinance in XXXX. I was assured by everyone we spoke to that the money would be transferred. Well, the loan closed, and the money was never transferred. I started calling in XXXX. Was told by numerous people the balance was in our account and would be transferred. They paid taxes our account the showed a negative {$1800.00}. We called several more times and sent emails. Never a answer always told someone would get back with. Freedom Mortgage has the worst customer service. No one ever gives you an answer. They transfer you to someone else or hang up on you. Also, very unprofessional when you hear babies crying and dogs barking in the background. That tells you the people you talk to do not know what they are doing. This process was supposed to save us money but will cost us more. We will have to pay the negative amount in the escrow account, or our payment will go up by several XXXX dollars. It has been a mess and continues to be. I would not recommend Freedom Mortgage to another veteran.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since the beginning is 2021 I have been working on increasing my credit score. 
I've signed up with experian, established chime account, car loan, XXXX and more. No foreclosures, no car repos, no evictions, perfect rental history, and all are paid perfectly. 
Why do I have a XXXX credit score? 
Experian keeps emailing me about credit updates yet my score is XXXX. There's no viable telephone number to speak with them. Now, astonishingly, I was just denied a rental application. Can you help or show I file multiple lawsuits?

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 2022-01-04 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XXXX XXXX, XXXX an amount of {$3400.00} was refunded from a purchase back to my Barclays XXXX MasterCard. I called on XX/XX/XXXX and spoke to a rep at Barclays XXXX MasterCard, they said a paper check would be issued in the amount of XXXX to me by mail. Two weeks later i called Barclays XXXX MasterCard, i let them know i had not received any checks, they said the mail had delays or i probably threw it away. They would send another check. On or around XX/XX/XXXX i received a check from Barclays XXXX MasterCard for {$2800.00} less the original amount i was promised to be refunded ( this is my money ), this check was returned by my bank with a {$12.00} fee to me. It is XX/XX/XXXX, Barclays XXXX MasterCard keeps wanting to send a check with a different amount, now they want to send {$2700.00}? 

What is going on, Barclays XXXX MasterCard is a bank. Do they have any fidicuary responsibilty to their customers?

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 2022-01-04 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XXXX financed with Credit Acceptance. Paid 66 payment on time. Traded car to XXXX XXXX XXXX, who gave me an affidavit of payoff paid but they sent amount to wrong lienholder, XXXX XXXX XXXX. My credit report showed 30 days late, bringing down score XXXX XXXX XXXX sent letters to show their responsibility. Score still shows paid but 30 days late. ( am not responsible for this actin destroying my credit.I have tried to contact credit acceptance, XXXX, etc. ..no change. Credit ruined by XXXX XXXX XXXX XXXX XXXX ... Then, they tried to " fix '' the additional problem of elder abuse without " fixing '' it ... ..XXXX XXXX  fraudulently sold me a defective car as well, costing me {$2000.00} more and getting fraudulently getting {$2000.00} from me

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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Credit report data is incorrect reflecting delinquent status and 60 days past due. This is impacting my credit score and ability to obtain a loan. Me. Cooper held my mortgage for 6 months in 2020, XXXX thru XXXX. Payments were due on the first of each month beginning XX/XX/XXXX and payment data from their website coincides with the dates recorded on my bank account. Payments recorded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and payoff recorded XXXX XXXX Credit reports show 2 months 30 days past due and current status of 60 days late. Statuss should reflect paid in full and no late payments. I have had to pay higher interest rates on my current mortgage and is impacting my ability to secure a loan at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am a part of a Class Action Lawsuit with Ally Financial which was settled on XX/XX/XXXX, XXXX 
part of the settlement is that Ally will request the the three nationwide consumer reporting companies delete trade-line information on every persons credit report related to our account with Ally which is the subject of the case. 

I am holding a letter of the law suit and spoke to someone last week regarding the credit bureaus removing the bad credit, she stated I can give you the phone number and website where you can obtain all of the information you need to get this resolved. 

www.allynoticeclass.com XXXX Please remove all bad credit from XXXX, XXXX, and XXXX that pertains to Ally Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Costco City Bank Business Visa. They have a practice in their fine print that I question is legal certainly not ethical. " If you do not pay your full balance by the due date, you will not get a grace period on purchases until you pay the new balance for two full billing periods in a row. '' They interpret that to mean carrying the full balance forward. In essence you end up paying interest on money they already have.

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 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
This complaint is against United Wholesale Mortgage ( UHM ) regarding a recent refinance with them. Our prior bank was XXXX XXXX XXXX Due to errors in UHM 's closing documents, we ended up having to sign two times. Once on XX/XX/2021 and the second time XX/XX/2021. The main complaint is UHM has in it's records that the loan closed and funded on the original signing XX/XX/XXXX, which did not happen. The problem with this is we are being charged for five weeks of interest that we did not incur. ( This is the time period between when we originally signed XX/XX/XXXX and the subsequent signing XX/XX/XXXX that did record and fund ) We originally signed our loan documents on XX/XX/XXXX but this loan never closed. This was caused by a mistake on the deed. Our middle names were omitted from the notarized document and did not match the deed. The title company was unable to record the deed because of this. At this point the loan died, ie : ( The money was never disbursed and sent back to UHM. We then had to start the whole process over with our loan broker ). The 750K that UHM wired to the title company in early XXXX was returned back to them. 
I have been trying to resolve this issue since XX/XX/2021. I sent UHM a letter on XX/XX/XXXX with the correct signing. Prior to that I sent UHM four inquiries as to when this issue would be resolved. I called them today and was told that the loan start date is correct and if I have a problem with that I should reach out to the tittle company and or my loan broker. I reached out to both of them in late XXXX and to date, nothing has been resolved. 
Will you please help me get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the month of XXXX & XX/XX/2021, I sent letter to all three agency XXXX, Transunion and XXXX disputing accounts eastern account system for the amount of {$100.00} and XXXX acct # XXXX, XXXX XXXX {$29000.00}, XXXX XXXX {$230.00}. I stated that these accounts are inaccurate, not my accounts and I did not give permission for these accounts to be reported on my credit report. which this is a violation of the FCRA. XXXX removed all accounts listed above. this is unauthorized uses of credit report. How this information is this verified or accurate if its only one creditor.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022, I applied for credit with XXXX. They approved me for a {$200.00} line of credit. XXXX did a hard credit inquiry, and when I went to check, Equifax had dropped my score to XXXX points! I could understand maybe dropping it to 5, even 10, but XXXX is ridiculous! My credit previous to this was XXXX with Equifax, now XXXX. I'm trying to make an effort in improving my credit score, to move forward, not backward! I called Equifax toll free number and explained to him exactly what I said here! His reply was Sorry and he hung up! It's bad enough a large drop like this, but to stay on your credit report for 2 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Lending Club Corp
State: WI

Complaint narrative:
Lending Club Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$4300.00}. 
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The XXXX XXXX XXXX XXXX XXXX, State of Wisconsin. 
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. 
This creditor continues to report to all three of the credit bureaus negative information, and that I have a past due balance. 
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. 
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$10000.00}. 
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The XXXX XXXX XXXX XXXX XXXX, State of Wisconsin. 
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. 
This creditor continues to report to all three of the credit bureaus negative information. 
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. 
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 explanation
Consumer complaint received 2022-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. XXXX XXXXXXXX was shown as charge off this account was never a charge off it was just a closed account that needs to be removed been its been on my account past 7 years.

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 2022-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This is a request to remove unauthorized hard inquiries from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
The lender denied by my request to cancel the mortgage insurance, citing a failure to meet FHA requirements. However, the lender did not specify which FHA requirements hadn't been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
Attempting to collect on an alleged debt for the amount of {$1200.00}, which is 4 years old. The Texas Statue of Limitations are 4 years. Please remove alleged debt from my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I have attempted to reach XXXX wireless to itemize this bill without success. I am unclear about the charges that are being represented. Furthermore, both XXXX XXXX and a third party collection agency are attempting to collect this debt, which would result in significant overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Chime Financial Inc
State: FL

Complaint narrative:
Since the beginning is 2021 I have been working on increasing my credit score. 
I've signed up with XXXX, established chime account, car loan, XXXX and more. No foreclosures, no car repos, no evictions, perfect rental history, and all are paid perfectly. 
Why do I have a zero credit score? 
XXXX keeps emailing me about credit updates yet my score is zero. There's no viable telephone number to speak with them. Now, astonishingly, I was just denied a rental application. Can you help or show I file multiple lawsuits?

Company response to consumer: Closed with explanation