vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/20, I ordered furniture through a remotely working XXXX XXXX XX/XX/XXXX rep. I knew my limit was close to the Max because I had just purchased a couch recently and it was. The card would be able to cover roughly {$230.00} and there would be a balance of {$70.00} that I could pay in cash or the rep offered me to increase my limit by {$300.00} to cover the costs. I asked specifically if it was going to hit my credit, because if it didI did NOT want to do it ( as I am in the process of getting inquiries off my report. ) He checked and told me it would not. I was approved for the {$300.00} increase and got my receipt via email. Right away I received a credit monitoring email saying I had a new hard inquiry. When I questioned the rep, he told me he told her 3x on a recorded line that I did NOT want a increase if there was an inquiry and she told him each time it would not put on on my report. He was told that this women had applied for a line of credit rather than an increase. I was told to call Wells Fargo and they would be able to reverse the increase and remove the inquiry, but when I called, they only said they could file a dispute with the credit bureau.

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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had been working with WSFS bank for a mortgage since the last week of XX/XX/2020. I went through all the processes, submitted all documents, got approved for conventional loan, and my closing date is XX/XX/2020. My attorney, realtor and I submitted all the documents on time and we thought everything was fine. 

One week before the closing date, the loan officer couldn't submit a document on time to the buyer and seller attorney. She claimed she needed master insurance, which my attorney sent her one month ago. My realtor needed to extend time to submit this document. Otherwise, the seller could take all my deposit and cancel this purchase because I missed an agreement. Then, my realtor found out that this loan officer screwed up the process. Loan officer said this unit showed on XXXX as a townhouse, not condo. But my attorney sent her a deed which shows this unit is a condo. Basically, the loan officer worked on my unit as a townhouse instead of a condo. She started the condo questionnaire process 5 days before the closing date. I was telling her my rental apartment lease will end by XX/XX/2020 and I can not extend because there is another tenantwill move in. I and my realtor were reminding the loan officer that I will have no place to live and keep my stuff if it's delayed so long. The loan officer kept saying everything will be fine, tried to book a closer date and time, and let me sign all the paperwork for closing. 

In the morning of XX/XX/2020 which is a day after the closing date, the loan officer told me my mortgage got rejected because of a lawsuit. She got this lawsuit document 1 month ago but she never said anything until a day right after the closing date. I called the bank because I want to talk to her supervisor but it's really hard to reach them and they took 30 minutes to find my mortgage. Call centertransferred me to her supervisor. I was told they will reach out for my case and call me back. I got a call from my loan officer to apologize. But no solution or responsibility for my time, my risk on deposit, my moving, my place to live and my place to work from home. 
I'm supposed to stay in the new place already. But now I need to rent a hotel, rent a storage room, negotiate with the seller, find a new lender and start doing all mortgage applications. This is beyond bad experience with WSFS bank. They don't have responsibility and throw on the street to figure out their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hi there, I communicated with Synchrony Bank XXXX XXXX  In the month of XXXX due to job loss, They insisted I enroll in a deferment plan for XX/XX/2020 which will have no negative reporting on my credit report nor late fees, Deferment was offered to me which they were offering with customers with hardship due to covid.. I am a XXXX and was hospitalized on XX/XX/XXXX after further testing was admitted for XXXX spent about 10 days in the Hospital. On XX/XX/XXXX I contacted a Synchrony Bank - XX/XX/XXXX explain I was in the hospital and the rep offered me a payment program for {$45.00} the current months which I made a payment the same day and XX/XX/XXXX made another {$45.00} payment as well. I agreed and thank the rep for the help .... Fast forward to the month of XXXX, I receive an alert indicating 30 day late was reported by Synchrony./XXXX XXXX. Communicated with Synchrony/XX/XX/XXXX and explain the events that took place from XX/XX/2020 until current they apologize and stated it will be corrected and will follow up with me and they have not send me any letters or calls, I contacted them today on XX/XX/XXXX and the rep stated I have to contact the credit bureaus and gave me no resolution, also stated account was current and up to date This 30 day late should of never reported on my profile as the Synchrony bank/XX/XX/XXXXagreed to do deferment and arrange payment plan.

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 2020-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have purchased a new XX/XX/XXXXXXXX XXXX from XXXX XXXX XXXXXX/XX/XXXX on XX/XX/2020. Loan in the amount of {$55000.00} was financed by Chrysler Capital at the exorbitant 9.10 % APR loan # XXXX. I have refinanced the loan with XXXX XXXX XXXX for a much lesser APR of 2.99 %. XXXX XXXX XXXX has sent a pay-off check # XXXX in the amount of {$56000.00} issued on XX/XX/2020. Chrysler Capital received the check shortly, however only cashed it on XX/XX/2020. As of today XX/XX/2020 they did not close the account and did not apply the funds towards my Chrysler Capital loan, so I have 1 vehicle and 2 open loans for it. I am paying regularly for my loan generated by XXXX and I am past due on my Chrysler Capital loan and Chrysler Capital as of today keeps saying that they are looking into it and the loan is still open. I have provided to Chrysler Capital the copy of the cashed check and they continue to say that they can not locate the funds and thus can not close the loan and credit my account with the pay off. I started calling Chrysler Capital since XX/XX/XXXX, to find why they haven't cashed the check, they claimed to never receive it. Finally, my local credit union provided me with a copy of the front and back of the cashed check, which I forwarded to Chrysler Capital. I have been calling regularly on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and the response I got was this : from regular CSR I was automatically transferred to the Executive office that deals with complaints of Santander Bank and while the executive office employees were trying to help it did not produce a resolutions and my loan is still open. CSR XXXX, XXXX, and today XXXX were genuinely polite and trying to help, but my loan is still open and I soon will be reported to the credit bureaus. Please help me get this resolved. They have all the proof and the copy of the check, but Chrysler Capital is maliciously not posting the pay off to my account. I have made a total of over 30 calls each for 15-30 min and it has been extremely stressful for me and no one at Chrysler Capital ever contacted me back, I was the one to always call them. Please help me get my pay-off posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
On XXXX XXXX, 2020, WAYPOINT RESOURCE GROUP add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WAYPOINT RESOURCE GROUP has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Applied to open new account with Bestbuy and I XXXX XXXX requested information pursuing a new application detailing the credit bureau that you requested verification of my information that you/Citibank said that you was/were unable to verify. 

Upon telephone conversation XXXX XXXX reference file number above ) you/Citibank on XXXX that XX/XX/XXXX would or could not verify my information but in your/citibank XXXX notice, no credit bureau/contact was/were listed in your FRCA notice for me to contact or pursue legal remedies. 

I spoke to your/Citibank representative, they could only tell that you/Citibank ran an inquiry though XX/XX/XXXX and that you/Citibank would/could not send me any notice of your credit bureau contact and only listed you/citibank as the contact person for credit bureau contact. ( See attached XXXX notice ). 

Uon asking for a supervisor, I was transferred to some named XXXX out of Texas and was told the same and they disconnected my call.

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 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Made a purchase to an individual of a total amount around {$120.00} using the XXXX service which was provided by my bank Bank of America. I later realized that this transaction was a scam and can't receive a refund. If this transaction is made and provided by my bank, which is one of the biggest banks, how is it that I'm not protected by scams and not receiving a product that I had purchased? Thats why I'm reaching out to you guys, this just doesn't seem right.

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 2020-12-16 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: AZ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-16 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX, on XXXX XXXX, 2019, XXXX XXXX XXXX XXXX and on XXXX. XXXX, 2019, XXXX XXXX  XXXX  add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX, on XX/XX/2019, XXXX XXXX XXXX XXXX and on XX/XX/2019, BARCLAYS BANK DELAWARE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-16 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: The Bureaus, Inc.
State: WA

Complaint narrative:
On XXXX XXXX, 2020, THE BUREAUS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE BUREAUS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
This debt was paid in full on XX/XX/2020, in the amount of {$150.00} but it continues to show up on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Braviant Holdings, LLC
State: MS

Complaint narrative:
I took out an installment loan through Balance Credit online. I paid it until COVID. I communicated with the company on numerous occasions and made partial payments. I was working on a settlement agreement with them and did not receive their last email due to it going to my spam folder. I contacted them and was told that my account was sold to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The number I was given to contact went to a lady who simply answered hello. I hung up. I was refused the address to the collection agency. I believe this to be a scam. The phone number they provided does not match either of the named companies above. I am now receiving phone calls from a number in my own state with vague details and threats of legal action if I do not call back and settle within 72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2020-12-16 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:
I believe I was a victim of SIM swapping based on the nature of my incident. My Bank of America account was depleted of over {$15000.00} while I was recovering from a serious case of XX/XX/XXXXand in the hospital for 10 days. Incapable of using my phone let alone make purchases of the amounts made on my account. I noticed the fraud when I attempted to make a purchase using my XXXX account which is linked to my bank for a few hundred dollars and being informed it was declined. I then went and looked at my online banking with B of A and noticed a charge the week prior for {$7600.00} and another one that day for the same amount. Not including international charges close to another {$500.00} from a company in the XXXX called XXXXXX/XX/XXXX. When I looked it up it turned out to be from XXXX. Apparently my money was used to purchase some kind of XXXX. I emailed the contact from their website and informed them of what happened and filed a dispute with BANK OF AMERICA on XX/XX/XXXX. They said they had to investigate and would get back to me. Today is the XXXX and I just received an email from the XXXX people saying they were sorry and couldnt help me. I am broke and just got out of the hospital and B of A Is investigating a claim for XX/XX/XXXX which I was under the notion wasnt even legal to but with US banks. If they deny my claim that is all of my unemployment money I have and everything i have saved. It will destroy me. Please help make sure I get my money back.

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 2020-12-16 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: MS

Complaint narrative:
i have been sending the CRA 's ( TRANSUNION,XX/XX/XXXX AND XX/XX/XXXX letters since XX/XX/2020 disputing negative and old accounts that they have refused to removed.the second letters was on XX/XX/XXXX2020, and the 3rd letters wasXX/XX/XXXX2020.Neither time has they responded to either of the letters.they are violating my rights by not deleting inaccurate and incomplete information from my credit report. i will attached copies of the letters below.

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