vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Attempted wire transfers to 2 clients who were Bank of America account holders. Wire transfer was rejected by BOA. BOA returned wired money less {$45.00} fee for each attempted wire transfer. I did not agree to this fee and am not a BOA account holder and have no deposit agreement with it.

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 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau
State: FL

Complaint narrative:
XXXX XXXX reported inaccurate information to a third party debt collector after neglecting to provide correct billing info to my insurance carrier XXXX XXXX after it was requested at the time of service. The third party debt collector ( Medical Bureau ) has reported this information to credit bureaus and have caused my score to drop tremendously. The third party is constantly adding and removing the items, causing the debts to re - age. XXXX and I have tried several attempts to speak with the original creditor ( XXXX XXXX ) and reps have stated for the past several days the servers have been down. XXXX XXXX reps stated they would call back and failed to follow through as promised. I notified the medical Bureau who advised they reached out to XXXX XXXX and said such debt is valid, thus they can not remove the items from my credit. 

Included is the information given to me from XXXX  representative : XXXX, I see the claim in the system from XXXX XXXX XXXX XXXX on date of service : XX/XX/XXXX. This claim was processed with the incorrect prefix number from your medical member ID number, and was not updated with a processed claim as requested in XX/XX/XXXX. As a result it rejected the amount of {$1100.00}. 
After speaking with you on XX/XX/XXXX and notifying XXXX of the debt collection, I called their billing department on XX/XX/XXXX and spoke with XXXX who advised that their systems are down and would follow back the following day. I called back on XX/XX/XXXX and spoke with XXXX again who advised that their systems are still down and to try again the following day. I called back on XX/XX/XXXX and spoke with XXXX who advised that the systems were sill down but took my name and number and advised that she would call too call me back when their systems are up. 



Thanks, XXXX XXXX. 



XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Office : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX XXXX and TransUnion and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.

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 2020-06-29 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
In XXXX of XXXX, I booked a hotel stay for my spouse and me in XXXX, XXXX for XXXX of XXXX. We used our BarclayCard Arrival Card to make the payment. Due to the Covid-19 pandemic, we were not able to travel to XXXX. The hotel refused to give a refund, even though XXXX borders were closed. I have filed a dispute with BarclayCard, but they will not help get my money back, stating they can not " overrule the cancellation policies of the hotel. '' The hotel refused to give money or help, and they were verbally abusive during the process. BarclayCard did not care and would not do anything to assist during this time. Since then, BarclayCard has made the process of disputing transactions impossibly hard. You can not dispute online and have to mail in disputes. They will not even accept disputes via phone. I have been successful in getting refunds independently from other companies, but BarclayCard will not assist with this refund, which is in violation of their terms as a travel card.

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 2020-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion as well as XXXX XXXX XXXX  stated this was a duplicate, its not. The fraudulent illegal activity is still there. They put it there. Illegal inquiry and information on reports!

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 2020-06-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LOAN TO LEARN
State: OR

Complaint narrative:
Hello I am the co-signer to the loan in question, my daughter XXXX XXXX was the recipient. 
Loan to Learn/EDUCAP locked us out of our account more than ten years ago, and I no longer have any record of my trying to contact them back then. Sent them another certified letter on XX/XX/20, and do not expect a response. 
Would like to get the loan resolved and off our credit histories, and if you folks could help, that would be great. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo had a covid19 program which allowed the customer to put the mortgage payments on hold for 90 days. 

The 90 days are up next week and I am refinancing the mortgage with another company. The other company has a wire to send to Wells Fargo but Wells Fargo will not remove the forebearance or answer the phone to allow my new company to pay them off. 

I have tried online and get through 2 screens when it tells me that I have to call in order to proceed. I have now been waiting on hold since XXXX XXXX  MST and it is now XXXX XXXX  MST. - No one will pickup the phone. 

I am going to lose the lock on my new mortgage because Wells Fargo will not answer the phone or program their websites to facilitate payoffs of existing loans.

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 2020-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Pnc wont let me connect to XXXX. XXXX  chat is down due to Covid and I cant get in touch with an associate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo offered a COVID-19 payment relief program to borrowers. However, it was deceptive in marketing and execution. I was under the impression that I could suspend my payments 3 months penalty free ( but accept the continuation of interests to accrue ), however once I learned that this program was a forbearance and came with additional costs such as limitations on the ability to refinance and apply for PMI to be canceled it was too late. 

As a result, I feel as though I have been financially injured and my future for getting a refinance and PMI removed early limited due to poor and deceptive advertising on the risks and costs of taking advantage of this special program. The records will show that I quickly caught my account up for 2 months and in fact, pre-paid 2 months ahead in advance on this mortgage. I demand Wells Fargo to make me whole as I am now subjected to have to wait an additional 12 months to take advantage of refinancing my home and/or apply for the remove of PMI to further demonstrate I can make my payments timely. Due to Wells Fargo poor marketing I can't lower my interest rate and take advantage of this unprecedented low rate environment.

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 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX COUNTY COLLECTIONS ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 and has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Academy Mortgage Corporation
State: ID

Complaint narrative:
We are building a home and the builder offers design and or closing cost credits to use their 'preferred lender '. Although we were already pre approved with a different lender, it was enticing to us and seemed like a better option for our family to go forward and take advantage of the total of {$3000.00} of credits ( {$2000.00} from the builder and {$1000.00} from the lender according to the flyer ) on XX/XX/XXXX we applied for a loan with XXXX XXXX at Academy Mortgage. I had let him know that i wanted to see his fees to make sure that we weren't getting these credits just to then pay excessive fees for the loan with him. He continued to boast about his company, loan products and ability to get the job done. Weeks went by and we never received a loan estimate. On or about XX/XX/XXXX we officially went into contract with the builder on our home. We received an updated loan approval on XX/XX/XXXX from Academy Mortgage to move forward. Again we asked for fees to which we received nothing. After meeting with the builder and adding upgrades increasing our purchase price Academy Mortgage then provided another preapproval. I asked again for the fees ... nothing. In XXXX I learned about the laws requiring a lender to provide a loan estimate within 3 business days of application. Academy Mortgage is the exact reason why these laws are put into effect. XXXX has refused to provide us with a loan estimate, leaving us in the dark and leaving us to fear what we thought from the beginning. The credits to use him must have been a bait and switch. We asked for the fees on numerous occasion regardless of the fact that as a consumer we shouldn't need to ask at all. The law protects us from loan sharks just like this but sadly Academy Mortgage still is not willing to comply with the law to disclose via loan estimate within 3 days. We are now left with no other choice but to protect our family and our dream house and go with a different lender. Causing us to lose our credit from the builder but at least we are now provided with upfront disclosure from a trusted company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29 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: MO

Complaint narrative:
what happened is my credit file has been misrepresented due the compromising of my identity being lost or stolen. In addition I was a victim of the Equifax breach. I'm demanding that these accounts be removed and blocked from my credit file. 

1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX  {$320.00} 3. Dept of ED/ XXXX {$7700.00} 4. Dept of ED/ XXXX {$5700.00} 5. Dept of ED/ XXXX {$5100.00} 6. Dept of ED/ XXXX {$5000.00} 7. Dept of ED/ XXXX {$1600.00} 8..XXXX XXXX XXXX  9. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: MO

Complaint narrative:
what happened is my credit file has been misrepresented due the compromising of my identity being lost or stolen. In addition I was a victim of the XXXX  breach. I'm demanding that these accounts be removed and blocked from my credit file. 

1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX  {$320.00} 3. Dept of ED/ XXXX {$7700.00} 4. Dept of ED/ XXXX {$5700.00} 5. Dept of ED/ XXXX {$5100.00} 6. Dept of ED/ XXXX {$5000.00} 7. Dept of EDXXXX XXXX {$1600.00} 8..XXXX XXXX XXXX  9. 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 non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Today, I spoke with a XXXX at Citi/Sears about my account. She said my interest rate will NOW begin to tack on as of XX/XX/2020 and fees. I explained that my fixed income as a retired, XXXX XXXX XXXX was NOW even more limited with medical and RX bills. She didn't care and said the fees will start and will not delay or defer the fees. With COVID still around for an unknown time, I wanted to defer fees, late fees and payments for a set period until we get past the COVID issues. She was unapologetic and uncooperative. I asked for a supervisor and XXXX put me on hold for 14 minutes per my cell screen and upon return, she said nothing more could be done. I asked for the superior 's name today XX/XX/XXXX at XXXX XXXX and XXXX said, " I don't have her name '' this is ridiculous and abusive. I want to file a complaint with the other complainants against CITI ... ... 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL 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 2020-06-29 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: NV

Complaint narrative:
TransUnion is reporting the account by XXXX XXXX XXXX  as an open account still, after I proved to them that The account was reaged. They changed the date of when it would be removed, but did not change the status to show that it is now closed because the 4 years have passed. Im so sick of dealing with these criminals trying to unlawfully list this account as still open.

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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
Continuous attempts to refinance my mortgage to the point of harassment. Ive ignored the calls and recently spoken to a representative telling them that I will not refinance ever. They have ignored my requests and weekly attack me with offers.

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 2020-06-29 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been trying to unlock my credit report file with Equifax through their website called my Equifax. I kept getting the notification to call the company, so I did, I was able to verify all of my information to unlock my credit report, but they could not reslove the problem, so they asked me to fax my information ( license, social security card, proof of residence ). I did so on XX/XX/2020, I waited some time and called to verify it was received, they told me that they didnt receive any information so I sent it in again on XX/XX/2020. I called in today again to verify that they received my information and was still denied. I have a copy of my transmission retrieval fax confirmation for both times I sent them in. I also have the correct fax numbers used, verified by equifax. The were not able to give me any answers to why they haven't received my info and also asked me to send it in for the 3rd time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus Equifax, XXXX  and XXXX  and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, Experian and XXXX  and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.

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