vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
At the end of XX/XX/XXXX I was moving from a rental back to my primary residence. I believe during the move one of the movers took my credit card and used it. The dates in question are XXXX for a total of {$4200.00} This illegal activity was discovered on or around XX/XX/XXXX when we called customer service to deactivate the card since it has a XXXX $ fee to it and was meant to be used when we flew XXXX. All fradualant transactions occurred on the authorized card ending in XXXX with the main acct ending in XXXX. A thing to note - since the opening of this account, zero transactions had been made on acct ending in XXXX. 

I received a letter marked XXXX saying " We have completed the investigative process. Our research has indicated that the transaction ( s ) is valid ''. They stated the card had a chip so it was used it person, I asked them to provide evidence that I made these transactions. They could not. 

I have not made any of these transactions. 

I called on XX/XX/XXXX to inform them this is not a dispute as mentioned in their response letter but theft/fraud. Barclays customer service informed me they will look into it, I called back on XX/XX/XXXX and was told since the card has a chip in it that it was a valid transaction and that I had to pay this amount. They also state the burden of proof is on me to prove I did not purchase these items. 

On XX/XX/XXXX I went and filed a police report. 


After disputing it further I was told someone will call me in 10 business days, but I have lost confidence in their customer service.

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 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My Name Is XXXX XXXX Today Date Is XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed XXXX XXXX CARD SERVICE # XXXX I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Contacted all three major credit bureaus today XX/XX/XXXX, XXXX XXXX XXXX reported the delinquency in XXXX of XXXX, according to Fair debt credit reporting that negative information should be removed 7 years from first report date, I have requested all three to remove and all they do is update. Moreover experian has a XXXX report date ( totally incorrect, fraudulently ) when the other two credit bureaus have XX/XX/XXXX first report date. It has been more than 7 years since first report date, and also moved to a collection agency as well, XXXX XXXX XXXX should legally be removed ...

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 2020-08-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am refiling complaint # : XXXX, originally filed on XX/XX/2020, as my complaint was not addressed or resolved by the response provided by US Bank Reliacard. 

My desired outcome : US Bank Reliacard communicates to me an exact date that I can withdraw the balance of my account. I am fully aware that US Bank Reliacard has daily withdrawal limits. I want to receive 3 EXACT dates that I can go to the bank to complete the maximum daily withdrawal to bring the account to a XXXX balance. 

As noted in prior complaint # XXXX, I have made many attempts with US Bank Reliacard to resolve/withdraw the balance of my account. 

As you can see in prior complaint # XXXX, US Bank Reliacard has given me dates to withdraw the account balance several times, and when I get to the bank, the transaction does not go through as promised by US Bank Reliacard.

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 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On Wednesday XX/XX/2020 I attempted to login to my chase bank app to check my account and was given a notice saying my account was restricted and to contact the company. I did and they informed me that there was a review on my account and they decided to close my account and end the banking relationship but would not give me a reason why. I explained that this may be due to a fraudulent company gaining access to my account and I needed to speak with someone and they told me they already gave me an answer and hung up on me. I also want to report the company I was working with for the loan. Cashcentral.com I have attached the emails I received from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: OH

Complaint narrative:
It's now been over 120 days Experian has not resolved this issue. 

First Issue : Experian Lists a XXXX XXXX Auto Account inaccurately and I would like it removed because the way they continue to list it derogatory, to further decrease my score, after months of requesting updates and sending supporting documentation. Ive enclosed supporting documentation. Please NOTE : how Experian reports this account VS the other credit bureaus. The credit bureaus also have the payment history listed inaccurate as well. This account must be deleted! 

Second Issue : Experian reinserted an account on my report, without my knowledge and it's my understanding that violates Federal Law. 

Third Issue : Experian is the only Credit Bureau that's reporting a XXXX account that I have NO obligation to. I've been in contact with XXXX and they continue to harass me for a bill that's not listed as mine and they deny my request to provide more information regarding this account. I have no obligation to XXXX or the original creditor.

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 2020-08-20 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: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I went to lease a new car at XXXX XXXX in XXXX, GA. I informed the salesman of the terms I was looking for and that I want to do the transaction under my company. 
I selected the car and negotiated the price. A personal credit application was handed to me to fill out ( I found out later it was supposed to be the credit application as a guarantor of a lease ). They ran my credit, submitted the inquiry. I was asked to unlock both XXXX  and XXXX credit bureaus accounts. They obtained a report and credit gets approved. While signing paperwork, I realize the paperwork being signed was for a personal lease, not for my company. The financial officer corrects the paperwork and I drive home with XXXX XXXX XXXX. Some days later I am asked to unlock my credit again as they made a mistake and it is required for them to make a second inquiry. I tell them they already had one from both XXXX and XXXX  and it should be enough. The financial manager calls me and insists. He elaborates and states it will not be an inquiry made, I asked him to put that on an email. After receiving  the correspondence I trusted him and went ahead and unlocked my accounts for a second time, sure enough a second inquiry appears on my credit report. Obviously they lied to me to fix their mistake of submitting a loan as personal where it was supposed to be for a company. My credit report should not have been checked twice and I should not have another inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay 's Uber Visa Credit Card Benefit in dispute : Cellular phone protection claim denied On XX/XX/2020, my XXXX XXXX cellular phone and backpack was stolen from me at the XXXX XXXX XXXX parking lot. Attached is a police report from XXXX County. A benefit with Barclay 's Uber Visa credit card is cellular phone protection in the event of theft, worth up to {$600.00} with a {$50.00} deductible. My claim was denied because Barclays said that because I put my backpack down, I " voluntarily parting '' with my device. I dispute this reason. Someone ran by and stole my backpack and XXXX XXXX. This should be easily covered by the benefits claim. I uploaded to Barclays all necessary documents : theft police report, Barclays credit card statement with the cellular phone bill on it, XXXX XXXX phone bill with matching charged amount.

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 2020-08-20 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: FL

Complaint narrative:
The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. Transunion is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as Transunion, and XXXX  is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.

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 2020-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. XXXX  is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. Equifax is reporting the same as XXXX, and XXXX  is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD has reported a change off account on my credit report that I was not aware of. I disputed this account that I never opened with Target for 6 months now ... I finally got a representative who stated if I paid off the balance due ( not my card ) they would remove this erroneous account from my credit report. I paid {$420.00} for the card I never requested and never used now Target is refusing to remove it .... I have written to them on numeous occasion asking to provide a copy of the original contract and payments made on this card so I could prove to them that it was NOT my card and I did NOT apply for this ... Target ignored all my requests, written, verbal and electronic and only sends this letter ( attached ) statiting they confirm this account being mine but on WHAT BASIS THEY DO NOT DISCLOSE AND DID NOT PROVE THEIR STATEMENTS WITH COPY OF THE CONTRACT OR PAYMENTS THEY RECEIVED. I filed a police report due to identity theft as instructed by the bureaus but still ... this account is damaging my credit report this is illegal and is there any justice to consumer? ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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:
XXXX XXXX XXXX was an auto loan, first delinquent and reported, XXXX of 2012, there were no payments made after and sent to a collection agency. By federal law this debt is over 7 years old and should be removed and it has not been.

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 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
After losing my job due to Covid-19 in XXXX, I called my mortgage lender, Home Point Financial, to see what options I had to make my mortgage payments while unemployed. They offered me a 3 month forbearance which they were offering to anyone impacted by Covid-19.  This was to postpone payments for XXXX, XXXX and XXXX. I called in XXXX to resume payments, as I had been directed to do, and was told that I would have to extend it one more month and to call back after XX/XX/XXXX. So I called back after XX/XX/XXXX once again in order to resume payments. The man who took my call ended the forbearance and said that a loan officer would call in the following days to discuss which repayment option would be best for me. No one called. I called back on XX/XX/XXXX. A woman said that someone would call me to set up a payment plan. No one called. I called in the first week of XXXX. This time a woman said that my loan was in underwriting and that I would resume payments after signing paperwork. This was startling since I never heard about what my repayment plan was going to be of what my options were. This phone call went around and around with me explaining that I needed to talk to someone to discuss my plan and her telling me that I didnt. I asked to speak to a manager or someone who could explain the repayment options. She put me on hold for about 30 minutes. She came back on the call only to tell me that there was no one who could talk to me but shed have someone who could discuss the repayment plan call me. No one ever called. It is now the XXXX of XXXX. I have missed 4 payments3 were in forbearance but the last one was not. Any time Ive tried to pay theyve told me to wait for a call that never comes. When I go online, the instructions are to not make a payment until a plan is in place. Ive sent at least two emails asking for help and have gotten no response. I have since gotten automated emails telling me my forbearance is up and that I need to call to resume payment, which I have several times. I have also gotten a letter saying that reads as if my house will be foreclosed if I do not resume payments, which I have been trying to do since XXXX. I suspect that this company is using the Covid-19 crisis to take advantage of their customers and I do not want to be one of them. I am willing and able to pay my mortgage but this company will not allow me to make the payment. I dont know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CENTER, LC
State: OH

Complaint narrative:
Purchased home via conventional mortgage. The lender charged a {$200.00} survey fee, yet they never performed the survey. The lender refused to refund the fee for the survey that was never completed. 

See communication for the title company below : On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote XXXX XXXX The {$200.00} was returned by XXXX XXXX to your lender with the signed loan package on XX/XX/XXXX. As we did not require a location survey, we did not order one. The lender included this fee in the closing costs on your closing disclosure but when we disbursed the file, there was no survey invoice to be paid. The options are that a survey can still be done if the lender sends back the {$200.00}. Otherwise, your lender should refund the {$200.00} to you directly as we no longer have those funds. I apologize for the confusion on this but I will have our accounting folks let me know if the check has cleared our account. I will send a copy if so. Thanks WARNING FRAUDULENT FUNDING INSTRUCTIONS Email hacking and fraud are on the rise to fraudulently misdirect funds. Please call your escrow officer immediately using contact information found from an independent source, your realtor or the internet, to verify any funding instructions received. We are not responsible for any wires sent by you to an incorrect bank account. 

WE DO NOT ACCEPT OR REQUEST CHANGES TO WIRE INSTRUCTIONS VIA EMAIL OR FAX. Always call to verify. 



XXXX XXXX XXXX VP , Residential Operations XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX., XXXX XXXX XXXX , Ohio XXXX PH : XXXX Cell : XXXX Fax : XXXX Email Address XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20 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: CO

Complaint narrative:
I was preparing to apply for a Consolidation Loan with the Credit Union that I have been a member of for several years but I wanted to know what my credit score was before I applied. I called Transunion and they told me that my score was XXXX ; this was good because I met the minimum score guidelines. I applied for the loan but was denied. When I called the Credit union to discuss the results I spoke with a representative and was given a different score of XXXX and was told that my debt to income was too high since my student loan payment was {$1100.00} dollars a month. I told her that this information is not accurate and I don't pay XXXX on my student loan, I was told that she was reading from my report. I told her that that information is not correct. She offered to put in a second application for me with the corrected information, however ; it was denied as well. but for different reasons. I didn't feel confident at this point so I asked which bureau report she was reading from and she said Transunion. I called Transunion and was told this information is not on my report and they did not give this information. I set up a meeting at the local branch of the credit union to discuss my application, I had hoped to speak with a personal banker but there are non at this branch, I was given a copy of a report sent from Transunion with the erroneous information it was dated XX/XX/XXXX. I asked Transunion for a copy of my report and was told they could not give me a copy until after XX/XX/XXXX because I have open disputes. I was told no-one could get a copy. I couldn't get copies of my own report but the Credit Union got a copy and made decisions based on erroneous information in the report. Based on the denial letters I received, my report obviously contains other errors and I don't understand if I wasn't allowed a copy of my report why were they.

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 2020-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI 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. Initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

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