vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Home Depot reporting past due, incorrect credit delinquency. no past due payments should be reported 30 days 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 non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On or around XX/XX/20 I was contacted by Wells Fargo for Fraud concerns on my account. At that time, I informed that that the transfers between accounts were not mine and I did not authorize them. I was advised my accounts would be shut down and I would get checks for my funds and I could reopen later. However, instead a FRAUDULENT mobile check was deposited to my account and when it bounced after Wells Fargo ERRONEOUSLY paid it on a marked Fraud account, they deducted the funds from me. My funds should be returned to me in full to my previous Fraud balance of XXXX. I did not make the transfers, did not make the deposit. It is NOT my signature. Additionally it was drawn on a bank in Florida where I am not living nor have I ever lived. There was a full and completely takeover of my online account and all my information was required to be changed. At this time XXXX XXXX is REFUSING my claim in violation of Reg E and Fraud requirements. The executive offices claim they are unable to overturn a Fraud Claim and all I got was the run around for 3 days. I am a college student living off of these funds and it has created unbelievable stress for how I will pay my way at school and Wells Fargo has been rude and unhelpful referring me to the Branch that is 40 mins away from my school in Kentucky which is creating additional burden.

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 2020-10-30 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: TX

Complaint narrative:
I have submitted several disputes with XXXX and Trans Union over the course of the past 60 days. Both agencies said that they were re-investigating the account in question XXXX XXXX XXXX XXXX XXXX XXXX. XXXX investigated and removed the account, the other two said that it was accurate and verified which is a gross misrepresentation of the rules and regulations because they did not. I have highlighted and attached a copy of the inaccurate reporting. XXXX  deleted the account and as recently re-inserted account with no investigation. Please review and investigate their claim. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
debt being collected by ashmer collection service is not valid. I do not have any information from creditor verifying debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We have been trying to remove the MI on a property we have owned since XXXX. We called back in XXXX and asked for it to be done. They told us we needed LTV to be 65 % from original unless we wanted to pay for appraisal and get current loan to value. The appraisal fee was expensive. So we decided to wait. Although early XXXX we were at a 65 % LTV based on original value as I have done an amortization schedule. The MI should have stopped then. We just called again recently. They said they would send us what the required. Our LTV is 55.7 % currently. They are still telling us that we need to do appraisal. The appraisal ( thru XXXX XXXX is more expensive then what is charged to borrowers for a purchase. If we were to refinance the property, we would probably get an appraisal waiver since the loan to value is under 75 %. However, after doing much research I have come to the following conclusions : The loan is a XXXX XXXX XXXX. The servicer is Wells Fargo that already has a lot of bad publicity taken advantage of consumers. The reason for mortgage insurance is in case of default of the mortgage. If we had put down 20 % instead of 10 % and went with this same lender back then, we would not have been required to get mortgage insurance. We feel as we are being taken advantage of. There really is no risk anymore and isnt that ultimately what the MI covers? We are at a 55 % LTV now. We have paid enough down in equity over almost 16 years that the MI should not be necessary at this point. 
We researched the guidelines for a XXXX XXXX based on Non HPA Mortgage since this is an investment property. This is what was found. Section 4203.1 There are two choices A or B. and it is respectively. So I am on section A ) Borrower-requested cancelation of Borrower-paid mortgage insurance based on original value. It does not state anything about at the Borrowers expense an appraisal is required. All it states is cancelation point. Evidence of value which the servicer must warrant the original value of the mortgaged premises, at minimum, supports the LTV ratio required and lastly payment history. They are using {$310000.00} which I know that is what we paid for the property and that is what is used when appraisal comes in higher, however ironically I have a copy of the original appraisal and it actually came in at {$320000.00}. The appraisal in our mind is not an issue. 
P.S. How would a consumer know what the MI entails as far as getting out of it. There is nothing in the loan package that states that arbitrarily the servicer can require an appraisal. I feel as if my mortgage would be paid down to {$0.00} and they would still want the {$46.00} a month. 
.

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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This at one point was owned by another collection agency ... .i cant remember who at the moment ... .apparently it was sold to I C systems which recently placed this on my credit report ... but guess what they never send me a dunning letter/notice of right to dispute ... .Question if the last collection agency was not able to validate this debt how can I C systems just put this on my report with no 30 day notice? this is a clear violation and if this is not removed immediately i will be sending this to a consumer attorney and sending a complaint to the state attorney general

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 2020-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
Credit began on XXXX XXXX Balance {$9200.00} Monthly Payment {$240.00} XXXX XXXX XXXX APR 24 % used vehicle. Three years later Balance is {$7500.00} and they gave a deferment since XXXX until XXXX XXXX, they told me the will continue charging interest rate but they will put them at the end of the Loan because they gave to me an extension. Since XXXX until XXXX they said my monthly payment is going only to the interest, so right now I have paid {$900.00} just only in interest rate. Also I called them in XXXX because I had an accident I was off work and they gave m e an extension but they put a miss-payment mark in my credit report in XX/XX/XXXX. I continue struggling with my financial situation due covid19 but they said they will no help me with another deferment. In three years I have paid {$910000.00} for an used card and I still owe XXXX and my payments are going only to the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on Equifax and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
My mortgage is with Huntington Bank. It is due monthly on the 1st in the amount of {$640.00}. I was late paying my mortgage this month, due XX/XX/2020and logged on to my account to pay the mortgage payment XX/XX/. I could view my account, and my banking account is also with Huntington and completely accessible, but was locked out of making my mortgage payment on their online website. Grace period for my loan is the 16th of the month, but this occurence is still one day less than the 30 days for it to be referred to the credit bureaus as delinquent. I acknowledge that I was late, understand a late fee ... but what I don't understand is why you are locked out of the website when you are trying to bring your account current? I have the conversation recorded with Huntington and they said that they now can lock you out of your account on the 16th day, and they can do so " without notice ''. Is Huntington purposely trying to promote foreclosures or promote ruining one 's credit score when a person is attempting to pay their bill ... especially in economically trying times like COVID?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Back in XXXX, I had a secured credit card with XXXX XXXX XXXX XXXX There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.

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 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Back in XXXX, I had a secured credit card with XXXX XXXX XXXX XXXX. There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Back in XXXX, I had a secured credit card with XXXX XXXX XXXX Bank. There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.

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 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Made a purchase with XXXX for a XXXX XXXX XXXX XXXX for XX/XX/XXXX - XXXX, total of a little over {$1900.00}. The property was advertised as a paradise location, however when we arrived, we found the jacuzzi was dirty, the couch was sinking in the middle, cobwebs were in the light fixtures above the bed, the fridge light was not working and was not cooling the food we brought, the microwave sounded like it was about to explode, the TV in the bedroom was not working, the water pressure was extremely low, the dryer shut off after 4 minutes and there were termite droppings in two locations of the small kitchen. Called the company, who immediately cleaned the jacuzzi, but we waited four days for a response on the other issues from their local office. Per XXXX XXXX regulations, the company management 's phone number should be posted on an outside sign, which it was not. Once the local office called back, they sent someone to fix the TV, fridge and dryer. Nobody came to clean the light fixtures or address the other issues. The day before check out, the air conditioner went out. The company said someone would come within 1 hour, which they did, but shortly after leaving, the AC went out again. The maintenance worker told us that the system was " rigged '' to work, and made adjustments for it to continue to work until we would check out ( by removing an auto-switch off if the water ran out ). As part of the Fair Billing Credit Act, I disputed the charge with Barclays, who ultimately stated we were billed appropriately. XXXX only offered a one night refund ( {$110.00} ), and the entire vacation was ruined due to the unpleasant condo unit. On the first day when we waited 15 minutes to have someone let us in, because the lock code was not working, we requested another condo and were denied. We are requesting a full refund due to the unsafe living conditions we were in ( TERMITES IN KITCHEN ) and will not request a refund for the food we had to throw away due to a faulty fridge.

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 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2020-10-30 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: GA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.

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 2020-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was sent an employment offer and startup check of XXXX for office materials under the name XXXX. On XX/XX/20 I was sent the check and told to deposit it and send an amount of {$1000.00} to the alleged 'vendor ' then another {$2500.00} was to be sent in two other transactions through cash app to the other alleged vendors. There has been a hold on the checks they sent me and my account is severely overdrawn because of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I should have never been approved for financing I was denied over 10 times from other lenders, I had a credit score in the the high XXXX 's or low XXXX 's and I had a ongoing garnishment on my credit reports and collections..I feel i was taking advantage of by Santander and XXXX XXXX XXXX because of my high {$13000.00} downpayment i was never even asked to show proof of employment or income ..I 'm requesting a Loan Forgiveness and Car Title because i can no longer afford this {$920.00} a month payment and high interest rate for a vehicle i should have never been approved for.I demand to know my internal score at the time of my loan i should be included in the settlement compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX hiker break my computer and transferring XXXX $ money from my checking account that is citybank and account # XXXX i call to bank an report about a fraud. Bank transferring money without any my identity. If you call to bank to be able start to talk they ask you security questions after that they sent security pin to your mobil phone but international transferring money without any security.After 3 months investigation they close my case and deny my report.I lost money and bank don't want to be responsible at all. That is not 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 2020-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP
State: CA

Complaint narrative:
XX/XX/2020 I emailed company and demanded them to open onetime payment portal for my use. Company has not opened portal and is demanding payment only by certified check. Im on XXXX XXXX status with the Army and have to leave post in order to purchase a check to mail for payment. My schedule does not allow time to do this. Servicing company gave no warning on being restricted to payment by certified check only.

Company response to consumer: Closed with explanation