vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called American Express because they are offering a financial relief program due to COVID. They offered to enroll me in the program, and noted that my monthly payment would be lowered and I would not accrue finance charges for the term of the program. They also explained that this would lower my credit limit and could affect my credit scores. Please note that I only enrolled in this program because I lost my contract income and am now accruing finance charges on my XXXX  Amex card ( I always make more than the minimum payment ). When I looked at my accounts, I saw they had enrolled a different card than the one I contacted them about, with a very low balance. I did not need any help with that card, but the credit limit has been lowered. But they did not enroll the card I contacted them about and agreed to the program for. I have now spoken to them multiple times, and they have stated that the program was supposed to enroll all my cards but there was a technical glitch and something went wrong. On their website, it states " If you enroll an eligible Card account / loan in the Financial Relief Program, all of your other eligible Card accounts / loans will be automatically enrolled. '' It has now been over a week, and they have no responses. When I called them now, they said they couldn't do anything because it was the job of the technical team, and they could take a very long time. They keep saying they know it is their fault but don't know how to give me a response. So essentially, Amex has lured me into signing up for a financial relief program, and then not really given me relief, and has instead lowered my credit limit on a different, affecting my credit scores for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute request to all three major credit bureaus, regarding a Wells Fargo Home Mortgage account. The account, the date of first delinquency was in XXXX. I requested the item be removed as it surpassed the 7 years for a negative item showing on credit report. 

I received results that still show the account on my credit report, however, they changed the delinquency date in order to allow it to remain. Wells Fargo even added a few more errors. I even provided written evidence from Wells Fargo and they still cant fix the error. 

Right on the letter it shows the date for over due payment being in XXXX. Seven years would be XXXX, its 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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I notified the bureaus on XX/XX/XXXX of an incorrect item and address on my credit report well over 30 days ago and it has yet to have been removed or investigation completed.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I notified the bureaus on XX/XX/XXXX of an incorrect item and address on my credit report well over 30 days ago and it has yet to have been removed or investigation completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc
State: OH

Complaint narrative:
On XX/XX/2020 at approx. XXXX, I received a call from a number informing me that my social security number was being used for identity fraud in XXXX XXXX, Texas, where my information was being used for XXXX  XXXX  and XXXX  XXXX. The caller provided me with her name and badge number and claimed she was from the Social Security Administration. I was then forwarded to a purported FBI agent and was told that I had to prove my innocence and that I was not involved in the criminal activities of the XXXX  XXXX. To do this, to be reviewed for suspicious activity, I had to remove the money from my bank account at XXXX XXXX  and deposit it into bitcoin through an ATM machine, which was administered by XXXX XXXX at the location of XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. I was told that if I did not do this, I would be arrested by the FBI. The number that I was speaking with was calling from ( XXXX ) XXXX, which is the same phone number as the XXXX FBI . I was promised that my money was going to be returned to me after the transaction through the digital wallet QR code that I had been depositing the money into. Following my deposit at approx. at XXXX, the caller hung up, so I called back to the XXXX FBI . I explained to the officer about my case and asked to speak with the officer who had called me. They were unaware of the officer that I was trying to reach and informed me that I had just been a victim of scam. This led to me losing {$13000.00} and invasion of privacy by FBI imposters. After being informed about the scam, I called the company, Athena Bitcoin, around XXXX and was directed to their voicemail. I attempted to contact them again an hour later ( XXXX ) and was on a very long wait time. Once I had finally reached an associate, they hung up on my mid conversation and I had to call back and explain my situation to another associate who was very unhelpful with my situation. She told me I would have had to reach out to them immediately, and now there was nothing they can do about the fraudulent transaction. I would like for Athena to trace this transaction and try to recover the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
I applied for a mortgage and locked my rate on XX/XX/XXXX. I have been stuck since at least XX/XX/XXXX. I was told " We are waiting for one final item to be provided by title and the loan will go to closing. '' I've asked my loan officer multiple times on what the status and issue are, only to be told they are waiting for the title company. My rate is locked until XXXX XXXX, XXXX   so less than 3 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I have been called on multiple dates, including 3 times on one day .... 

XXXX XX/XX/11 XXXX XX/XX/11 XXXX XX/XX/11

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXy XXXX XXXXXXXX XXXX eaither went out of business or sold their company to a debt collection agency around XXXX of 2019. I was a client with a current loan that was paid, never late status. I was told that the loan would be serviced through XXXX XXXX, a third party servicing company, which would handle the loan from here on forward. XXXX XXXX  XXXX XXXX closed my account with the credit bereaus as paid in full and gave my information to XXXX XXXX XXXXXXXX XXXX ( a debt collection agency ) without my consent. Later on in XX/XX/2019, XXXX XXXX XXXXXXXX XXXX reported my account as a new account with about XXXX dollars worth of debt, after I had paid over XXXX dollars on a XXXX loan. I called to find out what was going on and that is when the company XXXX XXXX informed me that they were a debt collection agency. They also told me that they were fixing the problems. The next month it showed about XXXX dollars worth of debt which was still incorrect. In XXXX after seeing all the complaints I stopped payment. I can no longer contact the original company. I've disputed the information on my credit report and they tell them that it is valid. They have no contract with my signature, but they still report this as my account. They use bullying tactics and they now reported my balance as a charge off. If they wouldn't have ruined my credit I probably would have continued payment, but I'm not liable for a contract that isn't mine nor I wasn't in default to be sent to a debt collection agency with a current status of payments.

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 2020-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I need mortgage verification letter from Bank of America for a HELOC. My husband and I called on 3 separate occasions and was on hold for 1-2 hours at a time. We were given the run around by every person we spoke to. We were told to go to the bank on 2 separate occasions and the mortgage broker would be able to print out the mortgage verification letter. On both occasions we got there and they called the mortgage department they said the couldnt send it to the branch. We were also told they could fax it but couldnt email it but that also never happened. Thus has been a nightmare! I will be cancelling my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is my mortgage lender and they make it impossible to set up a recurring payment from a non-Bank of America checking account. I already have a checking account with my bank and that relationship precedes my mortgage with BofA. I was told I could enroll in auto payment for a monthly service fee, or I could open a new BofA checking account. I should not have to pay a fee to make payment on my mortgage, nor should I be pressured into opening a BofA deposit account to avoid paying a ridiculous fee.

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank best buy has reported an unauthorized inquiries on my XXXX   credit, I also have a theft report number 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 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
2 MEDICAL COLLECTIONS FROM COMMONWEALTH FINANCIAL SERVICES - WHO IS THIS COMPANY AND WHY ARE THEY ON MY CREDIT REPORT??? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your  authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT THIS IS A NEW COMPLAINT Experian has not responded to my latest dispute in which they requested for me to send in proof of my identity which I sent a second time as my identity documents were provided with my dispute. Experian is disregarding federal laws when they fail to investigate items on my credit report that are inaccurate. In addition, Experian has not provided me with any updates on my disputes this is an ongoing issue and each time this happens I will file a new complaint for each separate incident.

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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
the problem was Identity theft and funds where transferred from my checking account to a XXXX credit card that is not mine I then filed a fraud report with wells fargo and filed a police Financial Crime Report and Filed with the FEDERAL TRADE COMMISSION a Identity Theft Report and filed a EXTENDED ALERT REQUEST with XXXX and sent a copy of my bank statement and a copy of all the forms i filed to wells Fargo so they would reimburse my XXXX that was fraudulently taken from my checking account this happened on XX/XX/2020I sent all forms to wells fargo on XX/XX/2020as of this day XX/XX/2020 I have not received a reply or any kind of notice from the bank the only letter I received from wells fargo which is dated XX/XX/2020 is a letter claiming they are not going to reimburse my money to my checking account that i closed out I am sending off today XX/XX/2020 a follow up letter to wells fargo from the last letter i sent to wells fargo XX/XX/2020 and today a second fallow up letter it has been 104 days and no reply from the first letter and I also had been applying for a mortgage loan and when all this of COVID19 they put my loans with wells fargo on forbearance so the after i did not qualify for the mortgage loan because of that and so the charged me XXXX dollars for loan fees

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 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HILLTOP HOLDINGS, INC
State: NC

Complaint narrative:
Someone buying my home used prime lending for their mortgage. The closing has been delayed multiple times costing me several thousands of dollars. Their reason for the delays - we dont have enough people and I dont have time. The contract was signed XX/XX/XXXX with a set closing of XX/XX/XXXX. A second closing was set for XX/XX/XXXX and the lending officer still has not sent the paperwork to the attorney. When my realtor called to inquire the lending office hung up on him. The unprofessionalism, lack of empathy, disregard for client impacts and overall rudeness has been staggering. I work in the financial services industry and have been shocked and appalled by his behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THIS IS A NEW ISSUE AND SHOULD BE HANDLED AS A SEPARATE COMPLAINT THIS ISN'T A DUPLICATE COMPLAINT EQUIFAX REQUESTED ME TO IDENTIFY MY IDENTITY ALTHOUGH I HAD PROVIDED PROOF OF MY IDENTITY WHEN I SUBMITTED MY COMPLAINT HOWEVER, IT HAS BEEN PAST THE REQUIRED TIME-FRAME IN WHICH EQUIFAX IS BOUND BY FEDERAL LAW TO RESPOND TO MY COMPLAINTS AND THEY HAVE FAILED TO DO SO. I WILL CONTINUE TO FILE A COMPLAINT EACH TIME THIS FEDERAL LAW IS VIOLATED BY EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX multiple transactions where made on my account withdrawing money from multiple consumers. I do not sell a products. Some one hacked my account and stole money from many people moved it into my account then immediately withdrew it. 
I have contacted PayPal about this and they know there is a problem with security but they are making me go through multiple layers of people to fix the problem. They have made no attempt to call me, i have asked for a supervisor

Company response to consumer: Closed with monetary relief