vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: UT

Complaint narrative:
I have a payment due the XXXX of each month. Next payment was due on XX/XX/2021. I called and made the payment on XX/XX/2021. This was a regular payment, NOT an extra or interest only payment. I made sure the rep I spoke with was aware of that, she confirmed it. They took the payment which reflects in my history. However for the 2nd time in 3 months with this company ( first XXXX XXXX ), they didn't apply the payment correctly and now say I still owe my XX/XX/XXXX payment, even though it shows in their payment history. When I call customer service, nobody knows how to correct the problem and I just get transferred indefinitely. They also refuse to let you speak with a manager or somebody who can correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 I entered my BB & T ( Truist ) branch at XXXX XXXX XXXX, XXXX XXXX, FL to execute a wire transfer from my business checking account. ( I bank personally and professionally at BB & T/Truist. ) The wire was necessary to pay an invoice to a company that I am engaging to help me grow my business. ( I am self-employed, 25 years. My business is a C-corporation with myself as the sole employee. ) My bank accounts are fee-free as I maintain minimal deposits on-hand as necessary, and my business checking account is a " small business '' type. The bank representative informed me that the wire transfer fee would be {$30.00} from either my personal or business account, but I informed that I do not mix funds in this manner and that this was a business transaction and needed to be taken from my business account regardless. Later that afternoon, the bank representative called me to inform that she was mistaken and that the wire transfer fee from business accounts was {$65.00}, and that I would be charged {$65.00} for the wire. This is unconscionable and unethical : the exact same service differently charged solely because it is being executed from a ( small ) business account versus a personal account. I called the BB & T/Truist main customer service telephone number ( XXXX ) and spoke with XXXX who put me in touch with the branch manager XXXX XXXX ( XXXX? ) who informed me that he would credit the entire {$65.00} fee this time because I told him that I would also be paying - via wire - the second half of the total invoice for this company in 30 days, at which time we agreed that I would pay the whole {$65.00} wire fee which, in total, would essentially compensate the bank as if I was paying the {$30.00} fee for each wire. The excuse XXXX gave is because this is how the " system '' works. This fee-grab by BB & T/Truist is just that : obviously it does not cost more to execute a wire from a business account versus a personal account. Further, as a really struggling business during this financial COVID-induced crisis, I can ill-afford to be burdened with any excessive costs, let alone unnecessary bank fees by financial institutions looking to pad their bottom lines, profit margins, and bonus checks. Charge consistent reasonable fees for services across the spectrum of customer accounts.

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 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
We have paid Transunion for their credit monitoring service for many years ( a decade or more ). We were recently ( yesterday ) turned down for a real estate loan by our bank. 

According to Transunion 's service my wife has a XXXX credit score and I have a XXXX credit score. 

According to the bank, my wife has a XXXX credit score and I have a XXXX credit score. 

The bank claims that Transunion told them that they give the bank an entirely different score then they give us through their reporting service. 

Looking at our report, there doesn't seem to be any reason my wife 's score would be that low ... and no one will give us any answers about either the difference in the score that Transunion is giving us verses what they're giving the bank, or the causes for low score they gave the bank ... other then to say that they use different " models '' for what they give to the consumer verses what they give to the financial institution. 

What's the point of giving consumers access to their credit score if the credit bureau is going to provide a different score from what the banks use???

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 2021-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
According to capital one in making institution stated that I had several charge backs which came from reporting to the fraud department that I did not authorise specific charges in return the policy stated that I would get a phone call back from investigator and that a temporary credit will be placed on the account if it did not rule in my favour the money would have to be debited out of the account and Would be taken away from balance. Nobody ever contacted me from the investigations department and usually the money was approved and placed in my account without any problems. How 4 months after this happened while XXXX set up a personal account with XXXX XXXX and was brought to my attention that there was a reporting issue were capital one sent me over to XXXX XXXX in order to a retained some of their money. Have brought this to the attention of various supervisors and agents and also reached out to XXXX XXXX  there were tw o reports that were submitted to them and one in favour of the bank But when I was able to advise XXXX XXXX they should look into further and I was able provide As of now XXXX XXXX is consistently asking for a report and no resolution has made this is a great hindrance because as of now I have lossed several thousands of dollars and have not been able to recover from it due to the fact of not having a bank account Capital one can agree that I called in several times and also would have to try to resolve this issue I don't feel I have to pay the balance that is set forth due to the fact that they investigators agreed to give me my money back without any further questions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
In XXXX of 2020, I went on COVID 19 forebearance plan for several months The plan ended, I did not re extend it. I paid them all the money. I am now trying to refinance, and on my mortgage history verification they wrote that I was PAST DUE 30 days on my mortgage 5 times in 2020. I was NEVER past due. I was on COVID 19 PLAN. This is very, very detrimental to my refinancing. 

When I called them, the girl did not even know what she was talking about. She said it was from my previous bankruptcy. No this is not correct, it clearly says on the VERIFICATION OF MORTGAGE that I was past due 5 times in 2020. This is NOT the way COVID 19 plan was to be. I was not supposed to be reported as a late payment at all under COVID forebearance. This is ridiculous.

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 2021-02-11 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: GA

Complaint narrative:
I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( XXXX ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/XXXX2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation. Now as of today ( XX/XX/XXXX21 ) I have received notification from Experian that I am a third party and they can not process my complaint. No one else is listed on credit report and I confirmed that all information was accurate.

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: VA

Complaint narrative:
A collection agency ( Jefferson Capital ) says I owe money from an account I never had. They say I had a card from XXXX XXXX  XXXX XXXX. I live in Virginia and have never been to Delaware. I checked online and this " bank '' was shut down by the Feds for fraud and money laundering. Apparently, they stole my info and opened a line of credit in my name. Now they no longer exist and Jefferson Capital says they bought the debt and want their money. This is all a big scam. How can I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
So I have a debt from XXXX that I was garnished for back in XXXX ... this debt fell off my credit and close like a year ago and is over 10 years old .... all of a sudden I get a court paper saying I'm going to be garnished..I never got and contact saying the debt was re opened ... I never got any paper or calls or even a chance to make payment arrangements just a paper saying I'm going to be garnished ... this feels illegal there has to be a way to make payments right? Shouldn't they have to have legally at least had to contact me and talk to me! Can you help I'm at a loss and can't afford garnishments this is wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WA

Complaint narrative:
OnXX/XX/2020 I applied for a refinance of my mortgage with Amerisave. I was provided a personalized rate quote to refinance my first mortgage balance with XXXX and a home equity line of credit with XXXX. Upon reviewing the rate, I agreed to proceed and paid the application fee of {$500.00}. 

For the next few weeks, I worked with Mr. XXXX from Amerisave to provide all the relevant documents that they have asked for, including the payoff statement from XXXX on our HELOC. On XX/XX/XXXX they notified me that our loan is ready to close. However, upon reviewing the terms, the cost of the loan, I noticed that both the interest rate and the cost had changed to much higher than it was originally quoted. I contacted the company and was told that they have made a mistake and because the loan is now classified as cash-out refi that the rate and cost changed. I informed the company rep who I was working with and said that his explanation made no sense because I was notified by XXXX ( HELOC ) that a request for the payoff of the loan was received and approved. At this time, I told Mr. XXXX that I am not going to accept the revised rate and terms and would like to receive my deposit back. 

On XX/XX/20 I was contacted by Mr. XXXX, MrXXXX XXXX supervisor and he reiterated the mistake and offered me a new rate and cost. At which time I shared with them that since I rejected Amerisave new terms, I have applied for and locked a new loan with XXXX. I inquired about my request for a refund of my application and was told that it has been processed. 

Since then, I have contacted the company 3 additional times and each time I was given different answers but still no news as to when to expect the refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Synovus Bank
State: GA

Complaint narrative:
During XXXX of XXXX someone opened up a time-sharing account utilizing my information. Around XXXX there were two First Progress credit cards opened. As well as multiple inquiries of people trying to obtain credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS RESOLUTION COMPANY XX/XX/20 FOR XXXX DOLLARS XXXX DOLLARS AND ANOTHER XXXX DOLLARS I DISPUTED THE CASE THROUGH XXXX I DO NOT OWE THIS MONEY TO ANYONE I DO NOT KNOW ANYTHING ABOUT THIS THANK 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 2021-02-11 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
On XX/XX/2020 CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TX

Complaint narrative:
I sent a dispute letter to the credit bureaus and haven't heard anything from them. I've given them ample time but did not inform me of their investigation results. I'd like to get this information to see why the bureaus are reporting a few things differently and failed to support such reporting. 
The accounts - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX****, XXXX. XXXX Account Number : XXXX****, XXXX. XXXX Account XXXX : XXXX**** were reported on my credit report and send disputes but failed to respond and with no proof of responsibility.

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 2021-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a dispute letter to the credit bureaus and haven't heard anything from them. I've given them ample time but did not inform me of their investigation results. I'd like to get this information to see why the bureaus are reporting a few things differently and failed to support such reporting. 
The accounts - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX****, XXXX XXXX Account Number : XXXX****, XXXX. XXXX Account Number : XXXX**** were reported on my credit report and send disputes but failed to respond and with no proof of responsibility.

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 2021-02-11 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: CT

Complaint narrative:
As stated in numerous prior CFPB complaints against Wells Fargo, I was offered a payment in the amount of {$3700.00} for damages caused by accounts opened by Wells Fargo reps which I did not need or want. Their reasoning for opening these accounts is for bill pay use. Realistically, only one account is needed for bill pay which I had one account opened at the time, Wells Fargo reps used same line, " I notice you make quite a few bill payments, have you considered opening a second account for bill pay '', something along these lines.. I was later offered an additional amount of {$500.00} via phone mediation, no payments received to date. I believe payments were sent to my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I moved from this address in XXXX of 2020, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo has replied in part by sending me mediation request forms, which were filled out and later denied by Wells Fargo reps.. They referred to a letter sent to my old address which they claim was signed by myself, agreeing to the {$500.00} which was not received and not adequate. Neither payments were received to date, {$3700.00} or {$500.00}. Further, the form they refer to was sent to old address, not received or signed by myself. Since it was not received or signed by myself, Wells Fargo reps can not refer to it as basis for denying mediation and or issuing payment ( s ) they offered.

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 2021-02-11 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: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Thursday XX/XX/2021 at approximately XXXX hours I was contacted by a female who claimed to be an investigator with XXXX County ( the current county where I reside ). She claimed that she had been to my residence to obtain a signature on documents that are being filed with the Court which include criminal charges. She refused to provide her name or give me any specifics but instead transfered me to another individual. This individual gave me his name which is XXXX XXXX who claims he is with a company names XXXX. Mr. XXXX told me that they were contacting me regarding a defaulted loan that was taken out by me from a company called Check n Go. They claim at the time I was banking with a bank by the name of XXXX XXXX. I do not recognize the loan company nor the bank they say this was drawn on. I told Mr. XXXX I had no known knowledge of this debt and he suggested identity fraud but told me the simplest way to rectify this would be to pay him {$510.00} today which is the original loan amount of {$350.00} plus the agreed repayment amount. He said if not paid that they would file the charges against me for attempting to defraud a financial organization and several other charges. Mr. XXXX also stated that if he did not get my signature on documents he had that there would be a warrant issued for my arrest. Mr. XXXX gave me the contact information for his company with a direct extension to reach him back I will include this below. 
Collection Company : XXXX Phone : XXXX ext. XXXX Case Number : XXXX Company they claim they are collecting for Name : CNG ( check n go ) Loan amount : {$350.00} Payback amount : {$510.00} My contact information XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation