vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I started a refinance on my principle home on or around XX/XX/2020 with Wellsfargo, which actually owns the note ( Im refinancing an existing wellsfargo loan ). I have also been a Wellsfargo member for 30 years. As of today, XX/XX/2020, I have not closed and after asking for a closing date, I have not been giving one. My impression is that Wellsfargo will ask for a document from me in a inefficient drip by drip fashion. Often waiting weeks before asking for another document. This of course delays the process further and results in expired documents resulting in them asking for the same documents that have been submitted. My impression is that they are delaying this process, possibly to allow interest rates to increase during the process. I did make a complaint via wells social media ask wells account and was assigned to an Executive Resolution Specialist in our highest office of escalation. This person by the name of XXXX ( the social media rep would not give me her last name ) essentially told me there was nothing she can do beyond just reviewing the case for me. She also mentioned that it is not unusual for a refinance process to last 5 months. I asked for my fees to be returned so that I can find a different institution to complete the refi but they refused saying that those fees were to third parties. A couple of days ago, I was once again asked for the same documents I have submitted twice already due to them being expired. I feel that essentially Wells Fargo is keeping me financially hostage because essentially they are refusing a refund of monies provided to them for a service they are not able to or willing to complete. My ask is for them to close this loan as soon as possible. I do not want the fees returned at this time because of the extensive time that has been invested by me so far. I am a XXXX XXXX who is already stressed due to the current COVID19 pandemic and this experience has only made it worse. Please close my loan.

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 2020-07-09 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: MS

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX  Company Inquiries : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX/XXXX  XXXX   XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: MS

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX/XXXX  Company Inquiries : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my HYUNDAI MOTOR FINANCE accounts. 
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of hospitalizations and back to back XXXX  that were XXXX XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: IL

Complaint narrative:
Ive disputed an item on my report over 3 times with transunion and they are not providing me with the proper investigation when I ask them how did they verify this item. There is an item on my report that says it was including in bankruptcy and reporting inaccurately, I explained to them I have never filed bankruptcy and this information is not accurate. They just come back and say that it is accurate ur will not show me the steps they took to reassure the accuracy of this account.

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 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
As per the FCRA RIGHTS FOR VICTIMS OF IDENTITY THEFT " I have the right to obtain copies of applications and other business records relating to transactions and accounts that resulted from identity theft. '' I have mailed 3 to 4 dispute letters to Capstone Credit & Collections LLC, via certified mail asking for them to provide me with debt verification in the form of, an apartment application that was used to open an account with Capstone Collections or the original creditor, XXXXXXXX XXXX XXXX XXXX XXXX. I was told by XXXX at Capstone Collections that, " they do not have the apartment application on file to send to me for verification. '' However, Capstone Credit & Collections has continued to report this debt onto my credit files with all 3 credit bureaus. This is a violation of my rights under the FCRA! Capstone Collections is claiming I owe them {$2900.00} as of XX/XX/2020, however they can not and will not provide me with LEGAL PROOF/DOCUMENTATION that the debt belongs to me as an individual consumer! The information Capstone Collections sent to me was of a very old copy of my driver 's license and an apartment lease, however this does not prove, nor establish the debt belongs to me, because I have lost my license several times in the past and also the lease does not have my social security number, nor my signature printed on it. For this reason I am requesting that Capstone Collections send me the apartment application so that I may trace how this account was opened? Capstone Collections refuses to send me the application, which the FCRA laws state I have a right too, in order to validate the debt! Capstone Collections has also refused to send me proof this debt is not beyond the statue of limitations, refused to show me proof they are licensed to collect in my state of FL,  and refused to provide me with their license numbers and name of their Registered Agent or Agent of Service that I requested in writing from them on XX/XX/2020. Please have Capstone Collections to follow the FCRA and send me all the information that I requested, as well as the application or signed contract that shows how the account with XXXX XXXX XXXX XXXX  was initiated with my social security number. If Capstone Collections can not provide me with this proper verification ( application ) under the FCRA, then please require them to repair the damage they made to my credit score by reporting this debt to the Credit Bureaus as " NEVER LATE, NEVER DELINQUENT, '' and then have them delete this erroneous debt from my credit files!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
A company by the name of Sequium Asset Solutions placed a collection notice on my credit report on or about XX/XX/XXXX. They did not list the amount and this was the first I had heard of this. No prior notice of any kind. I contact the company and they said it was for {$210.00}. and was for cable service to a address that I have not lived at since XXXX. I ask that they provide me with a validation of debt of they said they could not do that. They had no information of what the debt was about. Then I ask this to be removed from my credit report until it was determined to be a valid debt. I told them I could not confirm or deny the debt without additional information, but they stated they had no other information in the file. I requested once again that they removed the collection notice from my credit report until the validity of the debt was confirmed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC won't allow me to link my bank account to XXXX. This makes it impossible for me to use the app without setting up a new bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: MD

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX 09 XXXX XXXX 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: MD

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX 09 XXXX XXXX 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC bank blocking XXXX to XXXX mobile banking service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 XXXX XXXX refunded and airline ticket to my Bank Of America credit card for $ {$3800.00}, See attached refund confirmation from XXXX XXXX. As of today XX/XX/2020 almost three weeks after the refund, Bank of America has not refunded my money. I have talked to multiple customer service people at Bank of America and every time I have been told the money would be credited to my account. Last time I was told it will show in my next statement closing of XX/XX/2020 of course they lied. I received the new statement and still the money is not there. Basically Bank Of America Stole the money from me and of course is charging me for all new charges but does not credit the money refunded three weeks ago by 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 monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Greetings, My XXXX XXXX is loosing clients and money due to a situation with Bank of America. 
On XX/XX/2020 I sent a wire in the amount of {$33000.00} through BofA internationally to pay my supplier for the merchandise. I first contacted BofA on XX/XX/XXXX asking about the wire. I was assured the money will arrive soon. I called several times and after 2 weeks started to really demand an answer. After 2 hours on the line, I finally received an answer that the money is held by intermediary bank since XX/XX/XXXX. They told me they will do a recall. Another 8 days go by and I still see no money, another 3 hours on the phone and 8 agents later, I find out that no recall was filed still and BofA knew that the money was held since XX/XX/XXXX. All this time they were giving me misleading information and did nothing to help get my money back. The bank provides absolutely no support or help. The customer care agents just send you to another agent without finding a solution. It has been over 23 days since I can not get the money delivered or returned.This happens during the challenging times for any small business ( due to Covid19 ). We are struggling to stay afloat as a business in this difficult times. Staying without merchandise means we do not make any money. 
Thank you very much for your time XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened an account with Suntrust and transferred {$3000.00} from my XXXX account om XX/XX/2020 shortly after Suntrust sent me a letter saying the account was closed for fraud. I was never contacted by Suntrust directly to ask. 
Suntrust did not send back my {$3000.00} I have called twice and both reps have told me suntrust is holding my money and will not say why or let me talk to an agent who can explain. 
I need my {$3000.00} from suntrust ASAP, as well as compensation for lost interest ( 4 % apr on XXXX for length of time money was held, currently 60days x .XXXX XXXX a day = {$26.00} dollars ) and the opening bonus that i would have been eligible for of {$400.00}

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 monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who Portfolio Recovery Associates is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Portfolio Recovery Associates is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from Portfolio Recovery Associates via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Portfolio Recovery Associates as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Portfolio Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Portfolio Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 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: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
i have filed much paperwork and made many phone calls informing the creditors of the mistakes on a recent report of mine. these account are not my doing, i have no knowledge of how they were open. theres one auto company claiming that i have late pays and {$10000.00} remaining on a balance. and a collection company trying to get {$950.00} from me for some reason. these accounts have many inaccurate details on 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 2020-07-09 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
My wife and I applied for refinancing on our mortgage. We were told that there was an account with Ally Financial that was showing closed in XX/XX/2019 with an outstanding account. We notified Ally but are not satisfied with our inquiry. They have updated the account as of XX/XX/XXXX but we have not been given a reason as to how the mistake was made. We should have been receiving positive points on our credit score for the last 7 months and have not. This needs to be reconciled.

Company response to consumer: Closed with explanation