vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX of XXXX, I applied for Covid forbearance. It was approved for 3 months ( XXXX, XXXX, XXXX XXXX. As a teacher, my income was reduced because I was no longer able to work my summer and after-school programs, which significantly increased my income. I only exercised the option for one month. I requested that the amount be added to the end of my loan. However, Wells Fargo started reporting me as late on my loan. 
I have called several times and no one seems to understand their own program. 

As a last resort, I requested to refinance because my interest rate is 6 %, which well above the 2.0 - 3.0 % that is currently offered. They offered me HAMP, a loan modification program. The problem is they will only allow the modification terms of 30 years, so basically, I'm starting over. I have been in my home for 20 years and have no desire to start over. I requested 15 years, with no resolve. 

Wells Fargo is taking advantage of customers and their situations. They are discriminating against customers with lower credit scores, bankruptcies, and financial hardships that are through no fault of their own. 
My credit is being impacted because it has shown me late on my loan since XXXX. I would like this corrected. 

I would like my interest rate lowered to industry standards because I've been a customer for 17 years and I have shown good faith. 

I do not wish to extend my loan more than 15, as I am 13 years out from paying it off. 

Each time I've tried to seek assistance, since XXXX, I've been meet with obstacles. I've been trying to refinance my home since XXXX. I was told I was upside down. I have had a 6 % interest rate and rates have been much lower for years ; therefore, I have paid significantly more for this loan than other consumers. Wells Fargo has not actively worked with me to help me refinance.

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 2020-12-29 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: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Good Afternoon, I have contacted Ford Motor Finance about the late payments they have submitted to the credit bureus. I explained that each paymnt has been made and that i have not missed a payment in the past 14 months. They keep reporting this account as Late. I have sent them proof these paymentd were made. the account is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have two inaccuracies on my credit on two different reporting bureaus. Transunion is showing this account as 30 days late in XXXX, while XXXX  is showing the account as open. XXXX is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have two inaccuracies on my credit on two different reporting bureaus. XXXX  is showing this account as 30 days late in XXXX, while Experian is showing the account as open. XXXX  is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes.

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 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
This collection company, Meridian/XXXX Financial Services, held/owned four past debts, that were listed on my credit report as of XX/XX/XXXX. According to a Settlement letter that I received on XX/XX/XXXX, and the Meridian website as of XX/XX/XXXX, they showed I owed a total balance of {$3000.00}. 

A payment was made online on XX/XX/XXXX, for the full amount of {$3000.00} ( plus processing fees ), to clear up all four collection debts. Meridian provided me with a receipt for that payment. The balance on the four accounts should then have all been at zero and the accounts can/should have been removed. 

Instead, on XX/XX/XXXX Meridian/XXXX Financial Services removed two of the collection debts ( with reported dates of XX/XX/XXXX and XX/XX/XXXX ) but " updated '' the other two accounts ( with reported dates of XX/XX/XXXX and XX/XX/XXXX ) " confirming '' that I still owed the balance on these other two accounts. 

Meridian/XXXX Financial Services has not contacted me, either by telephone, email, or letter, since I made the payment to explain why they took this action nor to provide me with a " new '' billing statement for these " other two accounts '' that they supposedly verified as still outstanding. 

I contacted the original company that gave Meridian/XXXX Financial Services ( XXXX XXXX XXXX XXXX XXXX ) and they stated Meridian/XXXX  Financial Services only paid them {$2400.00} and did not pay them for the debt that occured in the 2020 year.XXXX XXXX  XXXX stated that as a result I still owed them over {$400.00} for the XXXX debt. 

The behavior of Meridian/XXXX  Financial Services is unprofessional, unethical and borders on criminal. In this time of Covid if a customer struggles, but actually makes an attempt, to clear up a collection account a business should do their part to make the customer whole again instead of trying to take advantage of them. 

Copies of the Settlement letter, payment receipts, and a list of the four past outstanding collection accounts can be provided on request.

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 2020-12-29 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: KS

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I have requested written request that this creditor provide proof of the debt belonging to me or have it removed. so far no response

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 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank made changes to my account without authorization. They placed me on the do not call list without verification. I received a letter a month later that those changes were made to my account. I called to inquire how account changes were made without verification. I was not provided with a reasonable explanation.

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 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Since XX/XX/XXXX ( if recalled correctly ) have called everyday including early mornings hours XXXX XXXX  and have repeatedly called multiple times one was at XXXX XXXX  another at XXXX and XXXX and actually received a call while typing this message ( they have only left one voice mail snd do not specify why they are contacting me and what the debt is for the phone number is out of new jersey and stressed about it i have ignored many calls and had to return phone calls cause it over rode business calls so i have lost some financial revenue over this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
This is a follow up to complaint number XXXX. 

On XX/XX/20 I initiated a transfer in the amount of {$8000.00} from XXXX to Citibank from the Citibank website. Citibank debited my XXXX account on XX/XX/20 ; however they were unable to credit my Citibank account. I contacted Citibank more than 15 times in an attempt to resolve the issue, detailed dates and times are available in the original complaint. Citibank 's response to my complaint was to instruct me to " work with XXXX '' to reverse the transfer, even though Citibank initiated the transfer. I did this, and the Fraud Department at XXXX reversed the transaction on XX/XX/20. 

Immediately after the transaction was reversed -- as instructed by Citibank -- I received an email that my Citibank account was now suspended. I have called Citibank once, and emailed three times trying to have my account unlocked, and I have received no response. 

This entire ordeal stinks of either gross incompetence or active retaliation by Citibank.

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 2020-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
on XX/XX/2020 paypal placed a limitation on my account. they have froze my account allowing deposits buy not allowing me to access any of my money. now they are saying that my account is froze and i will not be able to remove any of my funds and that i have to wait for 180 days before i will get an email telling me how to transfer my money. and that all my bank and credit cards linked to the account can not be removed from the account. 
Just like they claim that money in pass through account is fdic insured however fdic said on the phone that they are not fdic insured

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have spoken with with Santander consumer USA regarding the settlement with my state with the attorney general. This company was sued for predatory lending. I reach out to this company and was told that I dont qualify for any relief. The lawsuit was from XX/XX/XXXX to XX/XX/XXXX. The lawsuit stated that if anyone had the car from those dates will receive debt relief loan forgiveness or cash settlement. I was told that I do not qualify. I paid more for the car than its worth. My car is in charge off status and Im still making payments for this vehicle. I have had this car for 4 years and Im just now paying the principal on this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
from XX/XX/2020 i was charged 19 x over draft fees each at {$35.00}. I have multipole accounts with capital one caring huge balances. these fees were charged on one particular ( non-for-profit congregation account ). I was told the account was set up with an overdraft backup to draw funds from my other account if overdrawn. this never occurred. instead they charged me 19 times {$35.00}. over the phone they did provide me a small refund for ( 4 ) of the 19 fees, but I'm still out the remaining 15 for a total of {$530.00}. I fee its unfair form Capital one to charge me these excessive fees for the following 4 reasons ( 1 ) you should've covered the overdraft form my linked account ( 2 ) this is a non-for profit business which can not afford these excessive bank fees ( 3 ) based on my overall relationship with capital one at which i have huge balances in my other accounts ( 4 ) due to the difficult Covid-19 situation which is devastating for our congregation and effects all operations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29 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: MD

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
i did not authorize these inquiries in letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2019 I was denied credit with a credit card company, XXXXXX/XX/XXXX The reason they gave was based on information on my credit report and they advised me to get a copy of the report in order to correct any potential issues. 

I contacted the following credit reporting agencies : Transunion, XX/XX/XXXX and XX/XX/XXXX 

Allegedly there is a discrepancy with my Social Security number. The reporting agencies stated they have the wrong Social Security number tied to my name. They have not corrected this. 

This has resulted in my inability to secure credit and has resulted in my not being able to get a credit card or purchase a car. The impact to me has been significant and material. It has impacted my day to day life, and I have no recourse. 

After countless hours, repeated attempts, telephone calls, e-mails, data uploads this issue is still unresolved. The credit agencies are not responding or making material efforts to resolve this issue. Based on the responses I have been given, there has been little to no movement in attempting to resolve the Credit Reporting Agencies Failure This issue has resulted in a loss of credit building which will put my plans on hold of buying a home.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.

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 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.

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