vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
No explanation for closed accounts showing as current, but my credit report states that there are insufficient accounts being paid on time. There are too many metrics by which credit worthiness is measured, and none are truly transparent. I have one derogatory report on my credit report that is part of a cosigned loan that was defaulted on by the other party and is now currently being paid to a third party. I have no other loans or financial agreements that have not been paid and don't see a report of them on my credit report. All three show 25 accounts with 24 being current and 1 being derogatory. 8 currently open and current, 16 currently closed and current, and 1 being reported as derogatory. A lot of the closed accounts where purely do to new cards being issued because of fraudulent activity or data compromisation and nothing else.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
the complaint was with capital one and XXXX XXXX  and also XXXX XXXX. somone hit my accounts the pulled out XXXX and canceled all my payments. when i went to pay it off i tryed it cost me about XXXX dollars, and the still did the samething to me i wrote paper work at the court house and they still did the samething i would like to have the money i put into it. the XXXX call me for a card referance i dont want to put any information. my name is XXXX XXXX XXXX and not what they had changed it to. this is a new pc. wiht a XXXX purchase. from the factory i figured out they need a credit card purchase to move the money and cant do it on a new pc, ill just buy one every year. the shut down my bussines this year and i dont have a credit card anymore. i have more complaints but this solves this problem you can call me at ( XXXX ) XXXX XXXX, or ill call you tomorrow, and thank you for the help. also they keep on thretting me trying to get more information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I have been getting fees for every time I would have friends or family send me money thru cash app. I thought it was what they charged but then my wife showed me on her account she never gets charged anything so I looked more into it. I've paid over XXXX $ in fees over the past year because I have a business account, I don't know why I have a business account but cash app says it can only be done from the app and that I chose a business account. Well I didn't mean to. Business accounts are charged 2.75 % for any money received. So I contact cash app all ask them what's up and they agreed that it was probably a mistake and said they would reimburse fees but only 7days back from the time I contacted about fees. Basically everything past the 7days it my mistake for not catching all the fees I was paying sooner and I'm stuck with the fees. There crooks, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2017, Experian supplied my credit report to XXXX XXXX XXXX XXXX without my permissible permission for a forged 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 2021-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX, aka XXXX XXXX, place of bussesses address date back too XXXX XXXX XXXX XXXX ga XXXX .and XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga, .all of this will need too be ckeck from XXXX up too XXXX and XXXX .ownership records .very important too ckeck the tax and tittle too all of this for these years passed by. Also XXXX XXXX XXXX XXXX ga XXXX and ... XXXX and XXXX and XXXX ... .tittle exam will tell u everything. Not the property tax return. A tittle exam XXXX XXXX XXXX XXXX ga, XXXX XXXX ... ... .ok ... here is the problem. I am XXXX  of these addresses. And bussesses. Due date was XXXX XXXX XXXX. Country wide homes loans aka banc of America homes loans, has fail too give me my ownership paper as the benenfiary heir owner too XXXX XXXX and Fannie mae and XXXX XXXX, and, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the XXXX  XXXX XXXX XXXX., country wide homes loans is the trust, for said business. Ckexk it. It on address XXXX XXXX XXXX XXXX ga, filed in XXXX, and with XXXXXXXX XXXX XXXX XXXXXXXX ga. It on the tittle ... ..I own the addresses and companies. I am not control my company's., I am getting letter from the irs .not pay taxes .on XXXX XXXX and company sense XXXX. And XXXX ... .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX filed in XXXX .as well ... .a XXXX XXXX and XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX is fail too give me my ownership papers .and as well as the trust company it self .my release date is gone .as u will see ... .I haven't talk too the agent or the trustee close attorney. This is on all of thus stuff with them please research all of thus information well tittle exam ... XXXX XXXX. XXXX XXXX. Names should come out of thus too .I want my business as the benenfiary. I have. Did 22 years of waiting XXXX have did it I made it please give me my property and bussesses and banks account that go with all of this thanks. Also .I am been told I am XXXX and I can't get the trust instrument benenfiary, issue did because I am not a freemasonry. It is not a law I have too join a mason..so all of thus is decrimnation. And abuse .and temp too murder. It a pandemic. I am living in a horrible place .real bad ghetto. I am doing dead time..my release date is past due .do n't abuse me no more. Thanks..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 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT

Complaint narrative:
On XX/XX/XXXX, I bought a used vehicle and financed it through First Interstate Bank ( XXXX, MT ). I was unable to actually pick the vehicle up until XX/XX/XXXX due to inclement weather and schedule conflicts. I live 2.5 hours away on the other side of the XXXX XXXX. from the dealership. During that time, the vehicle sat on the dealership 's lot and did not move. On XX/XX/XXXX, I was finally able to pick up my vehicle. On XX/XX/XXXX, I had my truck insured for the ride home and for the next year, etc via the insurance company I use for all of my vehicles. 
When I got my statement from First Interstate Bank, it stated that I was past due on my payment even though I had autopay set up. Here, it turns out, they had imposed a forced insurance coverage charge on my truck for the time it sat on the dealership lot from XX/XX/XXXX to XX/XX/XXXX ( 41 days ) at a cost of {$780.00}. The insurance company they used was XXXX XXXX XXXX XXXX XXXX XXXX. 
I received no notification that I had insurance on my truck while it sat. There was no declarations page sent, no indication of any kind of the type of coverage I had, no app on my phone to use... nothing. As it can be seen on the attached document, the coverage wasn't even issued until XX/XX/XXXX. 
After many phone conversations with First Interstate, XXXX XXXX XXXX, and the dealership ; First Interstate wouldn't budge. They are still charging me {$68.00} a month for twelve months ( a total of {$810.00} ) for 41 days of insurance coverage. That's $ XXXX ( $ XXXX = XXXX ) or, realistically, $ XXXX ( $ XXXX = XXXX ). That is an exorbitant amount for coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I participated in XXXX XXXX XXXX COVID 19 mortgage forbearance program. Well before it's expiration, I requested that Wells Fargo Home Mortgage pursue on my behalf a FlexModification with my mortgage holder, XXXX XXXX XXXX. Rather than follow my instructions, Wells Fargo proceeded with a payment deferral program, rather than the XXXX I requested. Wells Fargo admitted the error and agreed to proceed with my request for a XXXX. After multiple unrequited calls and emails to my Wells Fargo " home preservation specialist '' I have received no documentation, no emails and no telephone calls in response to my request for an update to my XXXX request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have reported a charge of {$13.00} that appeared on my Capital One mastercard account as fraudulent several times since I became aware of it earlier this year. I have never used this card, so Capital One closed the account without my consent. While they have reopened the account, they have not resolved the fraudulent charge and have now added late fees and interest. Additionally, since I have not received a replacement card I can activate, I have no way to go online and try to make a payment. They still have my old information from a credit union account I closed two years ago and have been trying to deduct money from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Netspend Corporation
State: NJ

Complaint narrative:
I have contacted the Netspend numerous times trying to dispute a {$400.00} charge on my card that I did not authorize. They gave me the run around for almost 4 months for me not to get my money back. A charge was made regarding concert tickets i never attended nor authorized. Every time i called Netspend to speak to a supervisor one would never call me back. This the worse experience every had in my life and I cant afford to lose {$400.00} during a pandemic with no job!

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXXXXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( XXXX, XXXX, and Equifax ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( XXXX, Experian, and XXXX ) 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 2021-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LOAN CARE is my home loan company. I was on forebearance from XX/XX/XXXX until XX/XX/XXXX. The forebearance was scheduled to expire XX/XX/XXXX. For the record, I would make some monthly payments during the forebearance period, so that I would not have a large lump sum. 

I called at the begining of XX/XX/XXXX and paid the full outstanding amount of the forebearance, which was a total of {$14000.00}. Payments were for the months of : XX/XX/XXXX, XX/XX/XXXX, When I spXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. See attached Monthly Statement - Outstanding Document. Spoke to the representative, I informed them that I wanted to opted out of the forebearance plan. 

Little did I know that LOAN CARE failed to remove me from the forebearance plan. 

I tried to refiance and was denied for the following reason ( s ).

1 ) LOAN CARE failed to remove my account from forebearance. LOAN CARE informed the refiance company that I was in forebearance unti XX/XX/XXXX. 

2 ) LOAN CARE reported payments as late even though I was in forebearance. The report indicated that I did not make any payments from XX/XX/XXXX till XX/XX/XXXX. 

3 ) Called LOAN CARE numerous times to rectify the problems to no avail. 

I have documentation to prove LOAN CARE failed to remove me from forebearance and a copy of the Refiance denial letter.

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 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID

Complaint narrative:
We have a current mortgage with Citizens One Bank at a 4.5 % interest rate. We applied on XX/XX/XXXX to refinance directly with them. We have provided all documents and signatures timely. We have exceptional credit rating and we are only asking for a fraction of the homes value at a lower interest rate of 2.5 %. An appraisal was done on XX/XX/XXXX and paid for by us. The process finally went to underwriting on XX/XX/XXXX and we were told it would close in about 7 business days. It is difficult to talk or communicate to the loan processer. We have emails go unanswered for days or weeks and keep getting told we are close to closing. Finally as we approach the 5 month mark without being contacted by the banks " closer '', we have asked to terminate the process and have the appraisal that we paid for be transferred to our new lender, who in 3 days time has already gotten further along than Citizens One. I was told that Citizens can not transfer the appraisal. I have written to the VP in charge of Home Loans and left two voice messages. We believe that Citizens One deliberately delayed the process to keep getting interest at the higher rate. We are seeking to be reimbursed for the appraisal costs that we paid for, since they won't transfer it. I can provide correspondence, copies of emails, and timelines showing their lack of motivation to complete the re-finance process. I estimate, that if we would have closed in a reasonable timeframe 45-60 days, we have paid approximately {$1000.00} more in interest and another {$890.00} for an appraisal that they won't transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
In XX/XX/XXXX, I got a notice of a credit report inquiry. I checked and it was an inquiry to XXXX by Bank of America. I called BoA on XX/XX/XXXX to ask about the inquiry. They said they had no record of an application using my social security number. I asked them to not open any account in my name or ssn. I was given BoA case ID XXXX. 

In early XX/XX/XXXX I got a credit notice of a new account opened. I immediately called BoA to report this account as fraud. I was told it would be closed and an investigation started. Subsequently, I was sent a credit card. I also received a bill with an annual charge. After many failed attempts to get the annual fee for the fraudulent account removed, I was forced to pay the {$75.00} annual fee or they would charge late fees and report late payments to the credit reporting agencies. 

BoA has refused to send me a copy of the application ( which I believe does not exist ) and will not remove their charge that I never agreed to. I have spent hours on the phone and their tactic is to continually transfer you to someone else that still can not help you. They have taken {$75.00} from me and hold my excellent credit score as hostage. I was actually asked in my most recent call, Were you made aware of this from a notification from XXXX? Seems this isnt an isolated incident. What can I do to get this resolved?

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 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
Flagstar is non-responsive, lacks professionalism and their processes are anybody 's guess, when it comes to insurance claims for home losses. We expedited the insurance check ( home reconstruction after a fire ) for them to countersign. Then had to make several calls during which they'd confirm everything was ready and the first 30 % draw would reach us the following week. Flagstar delayed that turnaround by several weeks, crafting stories for the delay each time, such as check was on its way when their portal showed it hadn't even been processed! Meanwhile our contractor was working " out of pocket ''. 
The second draw is even messier. We sent a request to Flagstar for an inspection of the work done and they dispatched one on XX/XX/21. We called a few days later for a status update and were told the inspection indicated at least 75 % of the work was completed ; and that we would have the funds on XX/XX/21, latest, since we had provided XXXX mailing labels in advance. 
When the funds didn't arrive on Friday, we called the following Monday. Flagstar claimed their inspector had made errors and they'd schedule another inspection before releasing any funds. We challenged that position and asked to speak to a supervisor, whom we were told would contact us within 48 hours. We called again Wednesday afternoon when we didn't hear from them, only to be given the run-around by Flagstar for about 2 hours with various excuses why funds aren't being released. Excuses included their inspector having made errors, our insurance company having failed to provide them documentation ( which turned out to be false ) ; needless to say that their inspection department was added to the call at some point and they confirmed the inspection was appropriate! 
Flagstar has a systemic problem of delays every time funds need to be released to the client. In turn, we have to endure longer delays in getting our home repaired. If this isn't a game to facilitate them to draw interest from the insurance check, then what is 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 2021-09-29 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: DE

Complaint narrative:
Method of verification Highly Requested I am writing to request the method of verification for dispute sent over 30 days agoand the insufficient and incomplete investigation I received recently. 
Please send the following information used to verify the validity of XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$1600.00} Items Highly Requested 1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute.

5.Also the procedures your company have in place to ensure each account is 100 % correct which I doubt.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FCRA, Section 616, and pursue legal action.

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