vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
wells fargo provided in accurate information in there response to my last complaint XXXX and XXXX XXXX did not bother to answer 1 of the questions. Nor did she provide a call back number. when i called them regarding there response which stated my interest payment would {$60.00} in XXXX, yet they sent me a coupon reflecting interest due of {$110.00} on XXXX XXXX. when i called the XXXX back she had a XXXX XXXX call me on XX/XX/XXXX whom i spoke with she also called back and left her number and extension in my voice mail XXXX ext XXXX when i called back today there system tells me it's an invalid ext number. when. i finally get someone else on the phone at the XXXX option 1 and then 1 again, she could not find anyone to assist me in over 10 minutes and refused to transfer my call back to the XXXX whom had also sent me a letter regarding my complaint. 

Could you please start an investigation into wells fargo home mortgage loan servicing as i firmly believe they are making errors in there favor that is cause undue stress on hardworking american. 

Also could you please have them send me a new coupon with the correct interest payment amount on it which is what i had requested XXXX XXXX get done for me. My payment is due on XXXX XXXX and they are going to make me late if they don't either mail or e mail me a corrected coupon. 

I tried to get online access however i can't as wells fargos system still show me as having an open cc with them even though i told them repeatedly to close the account 3 or 4 years ago.

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
We asked for a payoff letter from the company. This is not our first complaint as it took multiple times. Then when we did receive it only had one address and the loan is for two properties. When we asked for the Payoff Letter to include both properties we went round and round. Finally, they said they'd split the amount and send two loan payoffs instead of sending just the same one for both properties. When we received the separate loan payoffs they added XXXX XXXX added the principal amount of {$17000.00} to one house and {$18000.00} to the other house. Now, mind you the total amount of the loan owed was {$160000.00} +/-. So you can see how criminal this matter is. I just want to close out this loan and be done with this company 's XXXX and attempt at XXXX. There is no prepayment penalty left as this loan had a XXXX XXXX pre-payment and we are in year XXXX going on year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2021, I found an unauthorized charged from XXXX XXXX totaling {$19.00} from my deactivated American Express Serve XXXX XXXX XXXX. 
On XX/XX/2021 I opened multiple dispute cases for 37 charges totaling {$4300.00} as I informed American Express Serve, I did not authorize them which includes the unauthorized charged from XXXX XXXX on XX/XX/2021 totaling {$19.00}. I also asked American Express Serve to deactivated my card ending on that same day. The reason I asked them to deactivate my old card is to stop the on-going unauthorized charges. 

However, not only American Express Serve have declined my dispute 3 times already for the 37 charges totaling {$4300.00} without any explanations, but also they still allow the same merchant I have disputed before did another unauthorized charge on my deactivated card. When I contacted American Express Serve on XX/XX/2021 regarding how to stop XXXX XXXX charge from me on my deactivated card, one of their agents told me they have no way to stop that except closing the account or I have to contact XXXX XXXX by myself. How is that possible? I requested to talk to the supervisor, their agent told me the supervisor would tell me the same thing. That is ridiculous. 

I have confirmed the suspect who made all the transactions without my authority and also provided the evidence showing the suspect made a transaction on XXXX  using my card without my authorization to American Express Serve. They still declined my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: MD

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 35 DAYS. I FILLED 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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I spoke with CitiBank XX/XX/2021 XXXX EST about payment structure during the XXXX XXXX AND THE STATE OF XXXX LOCKDOWN FOR 12 MONTHS. 
I WAS TRANSFERRED THREE TIMES AND THEN on the fourth attempt no answer and hung up. 35 minutes of wait time ... This is the kind of service WE THE PEOPLE HAVE TO PUT UP WITH DURING THE LOCKDOWN WITH THE XXXX XXXX? 
THIS IS NOT BUSINESS AS USUAL, ANYONE SAYS IT IS THEIR LYING. 

I have reached out several times to no AVAIL and have not rectified the issues that are plaguing the NATION ...!!

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 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have un authorized inquiries and 1 account i was never late on and 1 account that is not mine I talked to the company XXXX XXXX and they agreed see letter attached that explains what I am disputing

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 2021-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am trying to obtain a payoff with a lien release from Wells Fargo and Wells Fargo does not give me this information. They are only giving me a payoff but are not including the release of lien on the payoff. I need to close this account and wells Fargo give me a satisfaction of lien. 
Every time I call they they give me the run around. I have even gone to there branch and no one there helps me either. 
I need to close this account and get the release of lien as i am getting other line of credit with a different leader. 

Attached I have included the payoff they are sending me and as you can see it doesn't include the release of lien cost.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The companies allowed incorrect invalidated information to my profile, addresses that are not mine they refuse to remove & they refuse to take off negative accounts. I only have one address and sent them certified mail an information update form that they kindly ignored to follow. Then the customer service agent was rude and told me she didnt want to hear my complaining.

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 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
Hello, good afternoon, my name XXXX XXXX, I had a big problem with the discover card account which was opened in my name by another person, I have contacted the collection department to solve this situation, the debt is {$2400.00}, which the Account, its limit was only {$2000.00}, the collection company reduced the debt to {$1200.00} but according to them it will not delete my credit report, I think it is very unfair that with this situation of covi19 which has not left a big mark, huh I am left without a job even my city is not working 100 %, I am in desperate greed since a thousand times I have let this collection agency know that this account was opened by another person, I sent a police report to this agency, eh I sent proof but they do not want to eliminate from my credit report this debt is not open by me, please for consideration since the same government has said that said debt will be forgiven I need you to have the consideration for said situation to take into consideration my request to eliminate this debt from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Harassing phone calls my cell phone was hacked call everybody in my call list threatening me with papers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Transunion any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2021-02-23 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: PlusFour, Inc
State: TX

Complaint narrative:
I've contacted this company, I haven't been able to get ahold of anyone. I've never been to this Radiology company. You can compare my social security number to the social on file with this company as well as my date of birth. Nothing will match, I believe this file may be mixed up with someone else. I've done done business or had any services from this business.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
My adult daughter was living with us for a few months, she put in a change of address with USPS when she moved. Somehow the USPS tagged my AMEX credit card bill with the yellow sticker for change of address and sent my bill to my daughter. Luckily, my daughter is responsible so she got the bill to me ASAP which avoided a late payment. Then the next correspondence that I received from AMEX had my daughter 's address on it, no sticker, as if AMEX had changed my address. I log into my AMEX online account and sure enough my address had been updated. I have been chatting with AMEX today but the customer service reps seem very nonchalant about the issue. One rep even denied that AMEX had changed my address. This is a very PII/security serious that must be taken seriously. What if I didn't have a relationship with my daughter? What if bills just piled up at my daughter 's place and I had no idea. What if a person with ill intention went to USPS and changed my address. These companies should be verifying with people that these address changes are authorized before any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: MISSION FINANCIAL SERVICES CORPORATION
State: GA

Complaint narrative:
After the commercial vehicle was resold at the auction the amount was not deducted from the amount owed. {$31000.00} I payed on the XXXX XXXX XXXX for 8 months and nothing was applied to the loan reflecting a lower balance. The lender did not disclose voluntary repossession or repossession of any kind. The lender also did not inspect properly which in result caused a voided warranty they sold to me for XXXX because the commercial vehicle DEF system was deleted which depreciated the truck by {$10000.00} dollars as to why it only sold for {$3000.00} At the auction. The deleted DEF system was not disclosed at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
Apartment complex is saying I owe them money, and I owe them nothing. I contacted the collection company asking them to validate the debt. They sent proof I stayed there not proof I owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: VW Credit
State: UT

Complaint narrative:
VW Credit is reporting an erroneous late on my credit file. This late is for XX/XX/21. I had been in constant contact with them because i was going through a hardship and thought i was going to have to give vehicle back because i could not afford to pay them at that moment in time. Once we were nearing the last of my options they decided to work with me and set up a payment arrangement to help get back on my feet. Now i am in a much better position and am able to make all my payments on time. I truly did not intended to be delinquent, my wife was the only one working and we really could not make ends meet. Now that i am in a better position i would really like to move forward in life and buy a home but unfortunately this late notation is really holding me back. I have had this account open for a very long time and hated that i even had to jeopardize my account standing due to this hardship but there was really nothing else i can do. I am asking, pleading, that you remove this late from my credit file. It will help tremendously and i will be able to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have exceptional payment history with Citibank I opened up a secured credit card and was told if I kept my balance is low and paid on time I could upgrade after 12 to 18 months. I always pay my balance off every month never missed a payment when it came time to give me my deposit back and upgraded me to an unsecured card I was told that they would not be graduating me but never given a reason why I did everything perfect with this card like they told me to do in order to graduate to another card I feel like they missed lead me. Also my last payment of {$190.00} my bank released and city is saying they did not receive it but it showing posted on citi Account. I paid my balance in full and they are not giving me any credit its staying XXXX. Please help 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 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Do not know what this charge is never worked with this company contacted them to see where the original death started from I have not heard from them and can not get in touch with them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I was charged {$500.00} as a good faith with JP MorganChase to continue with a mortgage application. We made an offer on a home and that home fell through. 
When we made an offer on another home, I was asked for another {$500.00} for the next application and charged on XX/XX/XXXX. 
I was explicitly told that the first {$500.00} would be refunded to me. This call and all calls are recorded with Chase and they do have these calls on record. 
The Chase lender I had this conversation with was : XXXX XXXX | Home Lending Advisor | NMLS ID XXXX On XX/XX/XXXX, after not having received the refund, I followed up in an email to XXXX and he replied that it needs to go to a manager and then his manager. 
Today on XX/XX/XXXX I was told that the refund was denied and that he had hoped that because of my relationship with Chase that the refund would be approved and that did not happen. 
My complaint is that I was not told that there is a chance it will not be approved. I was told on a recorded phone call that I will be refunded the {$500.00} charged on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23 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: AL

Complaint narrative:
THESE ACCOUNTS ARE INCORRECTLY BEING REPORTED ON MY PROFILE. I DONT HAVE ANY MISSED PAYMENTS. THESE MISSED PAYMENTS ARE CAUSING ME HARDSHIP.

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 2021-02-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THESE ACCOUNTS ARE INCORRECTLY BEING REPORTED ON MY PROFILE. I DONT HAVE ANY MISSED PAYMENTS. THESE MISSED PAYMENTS ARE CAUSING ME HARDSHIP.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
With Lowes Account numberXXXX XXXX XXXX XXXX, was arbitrarily closed as of lat XXXX or early XXXX of 2020. How do I know this i went to try and buy items for my grill. I had paid the card down at least {$800.00}. But Lowes or Synchrony saying I had to many revolving accounts closed my account. the {$330.00} was interest they had slapped on. and a Service rep has told me that it was just interest and they would 0 it out. later they said I owed between {$180.00} and {$200.00} because their supposed interest is just an estimated amount. I was locked out of my account tried to pay {$180.00} but was locked out and the rep said I could not pay over the phone why because the account was closed now as of XXXX they say I owe {$550.00} which is fraud interest fraud late fees and fraud statement. This card was closed by Synchony Lowes in XXXX of 2020. If they persist I will write to the credit bureus and contact an attorney for Damage to my credit by them. for fradulent billing and collections.

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