vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft and my personal data was exposed in a data breach with XXXX  where I am currently seeking damages. I am attaching supporting documents.

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 2020-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XXXX, we applied for and received a home equity loan on a second home we built for {$250000.00} from CitiMortgage. 
In XXXX, we filed personal and business bankruptcy and had some struggles paying the second mortgage, In XXXX, we negotiated a settlement with CitiMortgage. The settlement was to reduce the loan amount from {$250000.00} to {$60000.00}. We received only a letter ( attached ) for the settlement. We have never received any terms or conditions. Over the course of the years since XXXX, we have missed some payments. 
We have asked for statements and none have been provided. 
We called them last year to learn of the payoff amount and it was provided with no indication of any issue. 
We are in the process of selling this home and called CitiMortgage and were told the payoff amount and then were told that the settlement offer was null and void. We have never received any notification of this action on the settlement. 
I do not understand how they can just say it is null and void with no notice at all??? 
I am attaching our original offer, their offer letter back to us ( XX/XX/XXXX ), a recent letter we sent regarding this issue, their letter back to us stating our offer was insufficient

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 2020-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR

Complaint narrative:
COLLECTOR KEPT CALLING ME ON TWO CELLS 4 TIMES FOR XXXX XXXX CALLS FROM XXXX XXXX XXXX, I NOW hae 11 screens shots for both XXXX AND XXXX, SETTLE {$1500.00} PER CA ; LL OUT OF COURT.

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 2020-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp.
State: NV

Complaint narrative:
I just got served a summons from XXXX XXXX. This loan had a XXXX balance on my credit report. The summons says I owe this collection company, Absolute Resolutions Investment LLC. The summons says I owe XXXX. I was told XXXX was sued and loans with them didn't have to be paid. Please advise me of my rights. XXXX XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX was my alleged servicer to receive payments on my mortgage. I was in foreclosure and Bankruptcy when XXXX became my servicer and was assigned to XXXX XXXX as my Bankruptcy Account Manager. I asked XXXX on a recorded line who owned my Note and he replied we " don`t know ''. XXXX XXXX XXXX filed a false Assignment of Mortgage in the land records and charged my mortgage account monthly payments late fees, inspection fees and paid attorney fees all to collect payments through fraud for a party they can`t identify. How can a mortgage servicer charge any fees for a party they cant identify

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 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
When COVID happened, WF had a link on their website to what " appeared to inquire '' about the temp bailout of 3 months that was available. My husband said what appeared to be information purposes only, he clicked on the link to get more information and thought XXXX, we were enrolled. He was quite alarmed. The following day I called the WF XXXX Branch to discuss this - they accessed my account and assured me that I would have to have a conversation and be approved for the program and that you could just not enroll online. They said not to worry about anything that conversations have to be made. I stated WE DO NOT WANT TO BE IN THE PROGRAM we inquired about it by clicking a link. By doing this, they shoved us into a modification loan that we did NOT ASK FOR. In fact, we have auto pay and have never missed a payment and continue to make our payments. When I spoke to the rep today that disrupted our dinner telling us that our suspension ends soon I was ALARMED. I told them we have never missed a payment and we never asked to be signed up or requested the modification loan. After 48 minutes on hold, they transferred me into a dept that said I was at the highest level I could be at and that it showed I enrolled. I want IMMEDIATE correction to this. We never asked for this and just because a consumer inquires doesn't mean you have the right to shove us into a program that has long term effects. I demand this to be corrected. We have never missed a payment, this XXXX me off WF. Is it your way to avoid refinancing thousands of customers while rates are low to state I entered into a modification program when I didn't. I DIDNT AND I WANT THIS CORRECTED.

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 2020-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I have disputed this account with the company and bureaus on : XX/XX/2020 and XX/XX/2020. I have asked removed this from my credit bureaus due to this is an result from identity theft. They have removed the account from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: KY

Complaint narrative:
ihad a XXXX  account and had incorrect bal on it i filed dispute on balance with transunion and just an hour or so it notified me outcome they deleted my XXXX  account which caused my score to drop 108 points i called transunion and waited over an hour to talk with someone they insited they could not put it back on my account once they took it off advised me to contact XXXX  i did and XXXX  told me they only report to beraurs they cant put it on that transuinon would have to do it i got back in touch with transunion they gave me run around asked for copy of ss card and drivers liense to be sent i did still no change so i filed dispute with them and no word or comformation of my filing ti has really hunt me i want it fixed i didnt do it it was there mistake but dont admit it just fix it they dont care at all 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 non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I called on XX/XX/2020 to try get information on how setup automatic payment through my bank to pay once a week. I asked them for the routing and account number so I could give to my bank called twice first person hung the phone up on and second person made it seem like he couldnt locate the information called in a professional manner. I asked for supervisor because did not feel comfortable with my XXXX with previous experiences with Nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
please see previous complaint. I sent over the police report and FTC report and now they still say it is not sufficient to say that im a victim of identity theft. They refuse to delete the inaccurate information. They are not following the law and are reporting someone else 's social security number on my Chex systems report. Now they want me to file another police report and also a NEW FTC report but the FTC report needs to be signed by a law enforcement officer also. So they advised me to go back to the police department and file another police report but this time make sure that I say that the account in questions which is XXXX that was opened in XXXX because the police report I have is dated for identity theft and I reported it in XXXX. Thats when I found out I was a victim of identity theft was in XXXX not XXXX till Chexsystems advised me of that supposedly. So they want me to also file another FTC report and that FTC report HAS TO BE SIGNED BY A LAW ENFORCEMENT OFFICER. I told them that I did not think that a law enforcement officer would want to sign my FTC report because they did not write it up, I did that myself, and the police officer would only want to sign what he writes if what im thinking which makes sense. I would not want to sign anything I did not write. This is crazy, not fair my consumer protection rights are not being followed and they are violating the law of reporting false information on my chex systems report which clearly is someone else 's social security number. I want chex systems to provide me with a copy of the Social Security card that XXXX used to have this account opened so that I can see if that is my matching social security number which I know is not but I want to see if the bank followed the rules of making copies of what was used to open this account.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX violated my 609 rights by reporting incorrect information to Experian reguarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

they have violated my rights to have a fair and accurate information on my credit. 

My person information my credit report is inaccurate as well. I have requested my addresses, phone numbers and names corrected on my report this is a violation on my consumer protection rights.

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 2020-08-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts or inquiries. Please remove them.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts or inquiries. Please remove them.

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 2020-08-22 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: NV

Complaint narrative:
These are not my accounts or inquiries. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
I started the process with Cardinal Financial XX/XX/2020. I submitted all the necessary paperwork as I work for a mortgage company myself. The week before I was supposed to close I was asked for documentation. I was reassured I would close on time. The week of my closing I was left in the dark as to the status of my loan. Fast forward today, 2 days after closing they had all the information they needed weeks ago. I am losing the house and my earnest money {$5000.00} as no one gave me straight answers. I received nothing. I can determine I was discriminated against as I am also an Underwriter which makes over six figures. I believe due to the nature of my employment also being the same position as the person whom reviews my file created unnecessary bias and discriminatory action. I was asked for items the investor whom purchases the loan would not need. I provided XXXX XXXX XXXX guidelines to support the lack of validity to the request. 
I have no other option. My family will be homeless as we were mistreated in this process. I also believe due to the XXXX of my skin, a XXXX of XXXX I was treated with lack of respect and not given direct answers as to the status of my loan. I have the evidence of being treated unfairly possible redlining as I was purchasing in an area with lack of diversity. I informed the key players I will lose my earnest money, out of a home etc by XXXX today. As I write this letter it is XXXX on XX/XX/2020 with no response or status update on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: NV

Complaint narrative:
I financed a used car through Carmax XXXX XXXX. At least three times in the past two years I have received a notice that my payment was overdue and a past due payment was added to the monthly payment. 

When I called, they always conceded that the payment was processed but the letter was sent. As an example, my last payment was due XX/XX/2020. I sent the payment as I always due electronically through XXXX XXXX. 

That payment was paid on XX/XX/2020. When I spoke to Carmax XXXX XXXX on XX/XX/2020 ( the day I also received the late payment notice letter ), I was told the payment had been received on XX/XX/2020, well within the ten day grace period, but not posted until XX/XX/2020. Hence the overdue letter. 

Since this can affect my credit score, I want to know what can be done about having my payment posted timely. I always pay at least a week ahead of the due date, sometimes even 10 days ahead. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-08-22 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20 XXXX XXXX Bank returned my wire payment of {$25000.00} to my account at Bank of America. However it never appeared back in my account and now I have a claim open with Bank of America, claim # XXXX for almost 30 days at this point, keep calling them almost every day, multiple times a day and they do nothing, just lie to me. They keep promising that the analyst will call me in 24-48 hours which never happened. Nobody called me from Bank of America. On the XX/XX/20 my claim was finally escalated to the Bank of America supervisor XXXX XXXX XXXX, employee # XXXX and after providing him information from XXXX XXXX he finally confirmed that he now can see my returned wire payment of {$25000.00} at Bank of America and that it will be deposited to my account in 24-max 48 hours. Today is already XX/XX/20 and 48 hours have passed and my funds are still not back in my account. I called Bank of America today again and now they claim they don't see the funds. This is a joke. I'm very upset at this point, to see how a bank I've been a client of for about 30 years ( I have a business account there as well ) is lying to me and doesn't care about me. 
We also went in person to XXXX XXXX and the representative helped us to trace the returned wire and confirmed it was returned on XX/XX/20 to Bank of America to my account. The XXXX XXXX XXXX # XXXX, XXXX XXXX phone : XXXX, XXXX number for the returned wire transfer XXXX. Please see also the proof of the returned wire transfer from XXXX XXXX from XX/XX/20. 
I request my {$25000.00} to be released and credited to my account immediately!

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 2020-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2020 : I call Synchrony Bank to inquire why transactions aren't going through. *transactions are denied thru money in my PayPal XXXX and from my bank, despite funds being available. I escalate to dismiss all late fees. 
call lasts XXXX XX/XX/2020 : Email frXXXX XXXX  -- Payment confirmation received XX/XX/2020 : Email from XXXX -- Your payment was returned XX/XX/2020 : Email from PayPal -- Payment receipt received XX/XX/2020 : Email from PayPal -- Your bank declined payment XX/XX/2020 : Closed account XX/XX/2020 : Call Synchrony Bank to inquire why account closed. Am told I missed payment in XXXX XXXX lasts XXXX XX/XX/2020 : Email from PayPal -- Your payment is scheduled XX/XX/2020 : Called XXXX to ask how payment is distributed. Agent says payments apply to special financing last if customer doesn't call and dictate how they want the payment distributed. 
XX/XX/2020 : Email from PayPal -- Your payment was not applied XX/XX/2020 : Contacted XXXX XXXX to inquire about denied transactions and agent says transactions were never attempted. " That's odd. We don't ever block payments to customers bills or credit card. '' For nearly a year, I have been making payments to PayPal and they have been returned by Synchrony Bank. This month has been the most egregious delay in scheduling the payment and getting a notice that the payment was not applied. Regardless of what bank account I pay from, even if I attempt to transfer money from my own PayPal account balance within PayPal,  Synchrony claims the transaction is denied or the payment isn't applied. 

It seems purposefully confusing because notices come from PayPal but payments go through synchrony and synchrony blames it on PayPal and PayPal blames it on synchrony. Synchrony also blames my bank ND my bank says they have no record that there has even been an attempt to put the transactions through. When they do go through, it is applied however Synchrony decides rather than customer interest or special financing purposes. 

Lastly, the late payments and closed account have significantly impacted my credit score and the stress is unnecessary, especially given the times. It's confusing, expensive, and wastes my time.

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 2020-08-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


XXXX XXXX -XXXX XXXX  XXXXXXXX XXXX XXXXXXXX -NCB XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation