vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
Starting a refinance with XXXX XXXX XXXX Loan Depot on XX/XX/20 Received Loan Estimate, Lock Agreement ( good through XX/XX/20 ), Appraisal, and was told everything was in order Received call last week that they could no longer complete the loan because of COVID 19, and left me with no options How can they cancel this process after a month and having agreed to terms?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America debit card received a fraudulent charge of {$200.00} on XX/XX/2020 at XXXX from XXXX WITHDRWL TRAILER # XXXX XXXX LA. I filed a claim on XX/XX/2020 and received a notice that this transaction was " authorized '' and they will be pulling the money from my account on XX/XX/2020. I was not at this location and if requested camera evidence, I would not be there. I have XXXX  receipts of me being over 20 miles away from XXXX XXXX so I could not have physically withdrawn during heavy traffic hours.

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 2020-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IL

Complaint narrative:
I contacted ENHANCED RECOVERY COMPANY after seeing a bill from them on my credit report. They stated that I had a debt with XXXX, I initially asked about paying the debt, but then they stated they don't own the debt and will try to update. So I decided to contact XXXX where my account is closed and paid in full. 

The amount that enhanced recovery company is claiming was already paid to XXXX directly the payment confirmation number from XXXX was # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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 found out that there are accounts and credit inquiries on my credit report that do not belong to me ; I found out today XX/XX/20 because I was denied from getting a XXXX  XXXX credit card. The accounts and inquiries that do not belong to me were opened without my permission. I do not have any contract or relationship with any of those companies and I never gave them permission to run my credit. I did not benefit anything from these accounts and inquiries that were opened in my name nor did I ever make any payments towards any of those accounts. I still don't know who opened those accounts in my name but I have filed a police report to the best of my knowledge regarding all of these suspicious accounts and inquiries.

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 2020-03-31 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 found out that there are accounts and credit inquiries on my credit report that do not belong to me ; I found out today XX/XX/20 because I was denied from getting a XXXX  XXXX credit card. The accounts and inquiries that do not belong to me were opened without my permission. I do not have any contract or relationship with any of those companies and I never gave them permission to run my credit. I did not benefit anything from these accounts and inquiries that were opened in my name nor did I ever make any payments towards any of those accounts. I still don't know who opened those accounts in my name but I have filed a police report to the best of my knowledge regarding all of these suspicious accounts and inquiries.

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 2020-03-31 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 found out that there are accounts and credit inquiries on my credit report that do not belong to me ; I found out today XX/XX/20 because I was denied from getting a XXXX  XXXX credit card. The accounts and inquiries that do not belong to me were opened without my permission. I do not have any contract or relationship with any of those companies and I never gave them permission to run my credit. I did not benefit anything from these accounts and inquiries that were opened in my name nor did I ever make any payments towards any of those accounts. I still don't know who opened those accounts in my name but I have filed a police report to the best of my knowledge regarding all of these suspicious accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I made my payments to XXXX XXXX up until my card was compromised 2015, in which I reported to them & requested my card to be closed. However, they did not & instead charged me numerous late fees & then reported me for collections. This was my first ever credit card & it truely ruined things for me, I have disputed this many times throughout the years with no luck. I am trying to rebuild & establish a relationship with creditors but my collections account is getting in the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( XXXX, Transunion and XXXX ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : XXXX  : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  Transunion : XXXX ( shows up twice ), XXXX XXXX  and XXXX  XXXX XXXX  : XXXX, XXXX XXXX XXXX and XXXX XXXX I am requesting these inquires be deleted immediately.

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 2020-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
In XX/XX/XXXX, I decided to trade my XXXX XXXX for a XXXX XXXX XXXX pickup. 
I was originally financed with XXXX XXXX XXXX XXXX, later this same year XXXX XXXX XXXX took over all accounts from reliable and purchased this company. The jeep is still open on XXXX, and the XXXX is too so it appears I have over {$100000.00} in loans. 
XXXX  Shows incorrect reporting and balance of loan also shows late payment but this was because a bank employee wrote the incorrect routing number when I was hospitalized in XX/XX/XXXX-XX/XX/XXXX.  XXXX  shows in the {$60000.00} in loans. 
XXXX  Is double reporting for the same vehicle and is not showing payment history correct. MY Balance of loans are Shown as {$110000.00} It shows Reliable as well as popular leasing MY LOAN IS WITH BANCO POPULAR AUTO! I have one care loan and the balance is {$46000.00}

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 2020-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Angel Oak Mortgage Solutions LLC
State: CA

Complaint narrative:
I have a loan estimate and my rate lock expires on XX/XX/2020. I qualify for the loan and have been approved by the lender. There were two conditions, both of which have been satisfied and documented with the lender. I have incurred {$700.00} in costs related to applying for this loan ( appraisal and follow up appraisal ). The lender even went so far as to make itself the beneficiary of my homeowner 's policy. 

The lender is now refusing to set a closing date and says they will not fund this loan, because of the Coronavirus. I want to know if the loan estimate is binding, provided that I still qualify based on the same criteria upon which I qualified when I originally applied. 

Furthermore, I want a refund of my fees if the lender is now refusing to fund the loan. Yes, the appraisals were done, but of course I would not pay for an appraisal unless I had already been approved by the lender and it was a requirement for closing the loan. Are they responsible for those costs?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 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: NY

Complaint narrative:
This information is in regard to Experian Credit Reporting Agency.

Credit Report Number : XXXX Experian has continuously and is currently reporting 2 accounts that is a result of identity theft within my credit file. The info is with XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Perpetrators were able to obtain several loans, bank accounts and credit cards using my information. I had filed a police report, I had filed an FTC identity theft report, and yet they ( Experian ) still kept the fraudulent information within my credit file. Not only did they did this, the credit bureau ( Experian ) has also updated and maintained this information within my report, even though Experian and both ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ) companies has failed to send me information on who opened up these fraudulent accounts. 

Several times I have asked Experian to remove the accounts and to verify who had opened these accounts with XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, and to several times, no success or avail. 

Ive also reached out to both companies XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX XXXX kept on giving me the run around and no one never returns my calls. While a representative at XXXX XXXX  told me the company has its obligations to keep a record on everyone, regardless if that person is an ID THEFT VICTIM, and even if its mine or not. Nor are they obligated to send me anything as well on the fraudulent account even though a police and FTC REPORT was filed. I had submitted a police report and an FTC identity theft to XXXX XXXX XXXX. 

Both fraudulent accounts are still within my credit as of XX/XX/2020. 

I currently work as XXXX XXXX at XXXX XXXX, in XXXX XXXX NY. 
So daily I have to restrict my commute by using XXXX/XXXX  services due to the exposure of the Coronavirus on XXXX  public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan due to my Identity being stolen and fraudulently used. As well as the fraudulent acts of Experian Credit Bureau. 

Im facing risk with my life everyday, and the last thing that I should be worrying about is my credit being used fraudulently at Experian Credit Bureau. Experian has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. 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 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Within two ( 2 ) days from XX/XX/XXXX-XX/XX/2020 I have received three ( 3 ) telephone calls from Discover Card demanding payment of the monthly bill. In addition, within one ( 1 ) week I have received numbers emails demanding said payment. 

This despite my two ( 2 ) letters to Chairman of the Board and President XXXX in which I stated that because of the coronavirus I am unable at this time to make payments. 

This too in addition to complaints against Discover Card I have filed with the Consumer Financial Protection Bureau. 

Apparently Mr. XXXX and Discover Card have never heard of the coronavirus pandemic and the inability of tens of millions of Americans because of the coronavirus to pay their bills! 

Mr. XXXX are being unpatriotic and un-American! And it is a disgrace and an outrage!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have my mortgage through Wells Fargo. Wells Fargo used to maintain different web sites that serviced their mortgages. It was www.wellsfargo.com/ym. During the months of XXXX and XX/XX/2020 I received letters telling me that this website is going away and I needed to enroll my mortgage into their XXXX  website that services all of their other account types. I followed that process, however my mortgage never showed up on the online account as promised. I always make my payment using this website. I called to make my payment on XX/XX/2020. I was able to make that payment with the phone banker at the time. However, she told me she was unable to complete the setup and that I had to talk to a tech team member. I was placed on hold for approximately 30 minutes without anyone answering the phone. I had to drop the call because I had to work then. I then called about 2 more times in the coming weeks and was unable to speak to anyone. I was finally able to get through on the line today. I held for 20 minutes and was told that my account was " restricted '' and could not be activated that he needed to talk to tech. I was placed on hold for another 40 minutes at this time. The rep came back to the line and told me he now had to transfer me to another tech team that I have a " restricted '' account. I asked what this meant and he could not answer the question. He then asked me to hold so he could transfer me to tech. I demanded to speak to a manager and was then placed into yet another hold. After 15 minutes the line dropped. I still have no access to the web site and now am concerned that there is an issue with my account that no one is explaining to 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 2020-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
* Alliant Credit Union fairly recently switched to a new online portal, and in doing so they broke my Autopay, and they never informed me until I received a threatening letter stating that my loan is delinquent.

* I've attempted ( many times ) to fix the autopay, but the website is still having some kind of bug that prevents me from getting the autopay working, with an error stating that Autopay is already configured, and I must call support for further assistance.

* I've contacted support many times both via phone and secure online messages asking for this issue to be rectified but I get no where with Alliant support. I have wasted hours of my time trying to get this resolved to no avail. The website has a bug and support is unable to get my AutoPay working again. 

*Alliant is charging me late fees. I have always had autopay enabled and I have never missed a payment until they broke my autopay during the transition to a new portal ... 

* Furthermore, when I initially set up my autopay, I had set it up to pay a bit more than the monthly expected payment and there was an option that I selected to have the the remaining extra payment applied to principal. After further examination since the issue above happened, it appears that my extra payments towards principal actually was not being applied to my principal. 

*Alliant has yet to provide me with a loan amortization schedule that dates back to my first payment, and am unable to reconcile my account because online statements do no go back far enough. I have asked Alliant to provide me with ALL statements since loan inception and they still have not sent it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, in XXXX I was abroad in XXXX and took a cab from the airport which I was quoted and told is XXXX XXXX  real = XXXX USD. I used Citi credit card to pay for the 30 minute cab ride. The taxi driver quickly rushed me out of the car, swiped my card through the window using his phone paying system, did NOT obtain my signature and just drove off. 20 days later when I checked my statement from Citi card I realized I was charged {$420.00} for that cab ride! I was overcharged {$410.00}!!! I immediately contacted Citi and they reversed the credit pending investigation. They ruled out in favor of the merchant citing I did not have enough proof. How could I provide proof for something that I never approved or was never given a receipt neither did I sign anything??? I was scammed abroad. 
Customer service of the merchant does not provide English support so they are of no help. When I called and emailed Citi cards 3 times explaining in detail and talking for hours on the phone with different representatives, they are not willing to investigate further or obtain proof from the merchant, they are putting this responsibility on me, the consumer, who was scammed and a victim of bad business. They refuse to reopen the claim citing I still would not have the evidence. And in the explanation letter they are pretty much threatening to report me to the consumer reporting agencies if I do not pay the required and full amount ( which I believe is illegal to do so by FTC ). 

It has been the worst experience with the bank pretty much telling me it is my responsibility to pay over {$400.00} in charges I never authorized. This must be illegal and not fair towards the consumer. 
Please help me with this claim.

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 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft. I discovered it in autumn of XXXX when I tried to open a credit card with XXXX XXXX. I believe my information was stolen after my first visit to the US in XXXX and used from XXXX to XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XXXX to autumn XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not Citi and XXXX XXXX. I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. XXXX is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. Citi went even further and started selling this account to credit collection agencies and these started reaching out pushing me to pay for something I never owed. Every investigation result they send me is the same template. The investigation team never reached out to me even after they promised me to get me with the investigator. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please assist, as at this point I dont even know what to do as these banks are straight harassing me with no reason for this messing my perfect credit history.

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 2020-03-31 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: VA

Complaint narrative:
It's not my account and inquiries, i have never applied for this. I believe that somebody used my personal information and applied for this. I'm not responsible for this debt.

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