vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Being over charged Requested copies of payment history from start up to present ; request has not been met Several payments have been made however monthly payment statement, reflects those payments have not been applied Forbearance was approved for suspended payments ( due to COVID ). I was told these payments would be put at the rear of the loan. However, each month actually accumulated. When I called to inquire I was given a totally different story ; their word against mine and all late payments had to be caught up at one time. Therefore I request the forbearance request be cancelled. There was never a cancellation letter provided or a status on this request. The loan is now current however this issue was never resolved. 
At the direction of my insurance agent, I requested to stop my escrow payment and explained I would pay through the insurance company direct. I have made the request as well as my agent more than once. Agent even informed payment arrangements have been made to automatically withdraw payments each month. Wells Fargo will not honor this request I have been assigned several agents that have consistently fail to provide explanations for their handling.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been an American Express Card Member for 37 years and I have the XXXX XXXX card, the fees for which are {$5000.00} a year. In all that time my account has never been late, in arrears or unpaid. I have NEVER paid a late fee or interest charges. I am a loyal Amex cardholder, but even for me, Amex has defied the requirements laid out in the Fair Credit Billing Act ( 1974 ). My monthly payment was for {$15000.00}. I deducted {$800.00} as a result of items in dispute ( see attachment ), which I am allowed to do under the Fair Credit Bulling Act, and I paid {$14000.00}, which is 95 % of the billed amount. American Express then froze my card because I had not paid my account in full. The Act states : " Pursuant to regulations of the Bureau, a creditor ... may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. '' American Express ignored this regulation and froze my account ... and I later learned that it was because they believed I had underpaid my statement by a measly {$32.00}. Despite its public claims to the contrary, Amex does not care about its customers ... or the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: FL

Complaint narrative:
My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and I just found out on XX/XX/XXXX someone opened accounts under my personal information without my consent and without my authorization. I never authorize XXXX  XXXX, XXXX XXXX XXXX XXXX to use my personal information to open these accounts. I did not receive any money, goods, services, or any other benefit as a result of these accounts being opened. I need these accounts blocked as it is a direct result of identity theft and it does not belong to me. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no arrest has been made. All statements are true and correct.

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 2020-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account Ending in XXXX Capital One XXXX  : XXXX Last CFPB Complaint ID : XXXX Capital One is stating that it is going to take over 90 days to send my money back that was fraudulently obtained by a scammer that opened an account with them. They have already admitted the money belongs to me and that they are going to send it back to my bank XXXX via check. After talking with XXXX they stated that usually banks just wire the money back to the sending account and this does not take that long. 

Due to COVID and being scammed out of {$36000.00} my family is experiencing severe financial hardship. If my funds are not returned to me sooner my family of XXXX is going to be out on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: ID

Complaint narrative:
Refinanced mortgage with Amerisave Mortgage Company. Loan application with Amerisave was to pay off both loans at XXXX. The larger loan ( XXXX ) was paid off but for some reason the smaller loan ( XXXX ) didn't get paid off. I have contacted Amerisave and got the run around and that I need to call the Title company XXXX XXXX XXXX XXXX XXXX. Called XXXX XXXX phone lines constantly busy. Emailed and spoke with XXXX XXXX at Amerisave several times and was told the issue has been escalated up their chain, so far no resolve. I have been dealing with this for over a month. I am currently paying on the new mortgage and still having to pay on one of the old mortgage loans. Why is it taking the companies this long to find where the money went? What happened to the loan money and why can't they find it now. Why can't they reissue the check to payoff my mortgage loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CA

Complaint narrative:
Today XX/XX/XXXX I was at XXXX XX/XX/XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of 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 2020-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Today XX/XX/XXXX I was at XXXX XX/XX/XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I sent Equifax a letter on XX/XX/2020 with evidence that the bankruptcy reporting under my name and SSN number is not compliant, not accurate and cant be verified. 
I am attaching letters from the Bankruptcy court and County Recorder of Deeds stating they dont report or verify records reported against a consumer. I also attached a letter stating I opted out of XXXX and froze my account with them. 
How can Equifax verify this debt as mine when they dont have access to any data to verify the Bankruptcy from XXXX or the Bankruptcy Court? 
All public records reported against me from Equifax are violating the Fair Credit Reporting Act and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-11-19 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: NCB Management Services Inc.
State: MD

Complaint narrative:
I submitted a request to NMCB Management and the three major credit bureaus on the following dates requesting information regarding an account on my credit report : XX/XX/XXXX ... I sent my initial letter to the credit bureaus XX/XX/XXXX ... I sent follow up letter to the credit bureaus XX/XX/XXXX ... I received a letter from NMCB Management saying their investigation was complete and they were unable to substantiate the allegations in my dispute. 
XX/XX/XXXX ... I sent a letter directly to collection agency asking for validation of the debt. 
XX/XX/XXXX ... I received a letter from NMCB Management saying their investigation was complete and they were unable to substantiate the allegations in my dispute. 
XX/XX/XXXX ... I sent a certified letter to the credit bureaus to verify the debt since I am not aware of this account. 
XX/XX/XXXX ... I sent another dispute the credit bureaus due to no follow up. 
XX/XX/XXXX .... I sent a letter right the credit bureaus to provide the method of verification for this debt. 
XXXX ... I sent another letter to the credit bureaus advising them that I was filing a complaint due to the collection agency and credit bureaus inability to provide sufficient information to confirm that this debt reported is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX and Portfolio Recovery Associates, LLC ( PRA ) claims they have investigated these complaints and verified the PRA accounts ending in XXXX and XXXX but have not shown full validation by sending a copy of both contracts bearing my wet signature. I have sent multiple letters trying to dispute these accounts but they refuse to remove these items from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: U.S. BANCORP
State: VA

Complaint narrative:
I refinanced my vehicle with another bank and sent the payoff check to US bank who holds my lease. US bank said they needed paperwork and I faxed it in to them, I kept calling in to see if they received it and they kept saying they never received anything, I called to ask if I needed to make a car payment since my refinance was being processed the rep told me I dont have to make a payment ( on a recorded line ). US bank ended up saying I was late on my payment and it affected my credit score. Ive never been late on a payment since XXXX and always paid more than I had to. I called in to dispute the credit reporting and they said they found no evidence of wrong doing on their part even though a rep told me I didnt need to make a payment on a recorded line, very unfair and deceptive practices. I kept calling in the see if my refinance went through and got no help. I spoke to a rep XX/XX/XXXX and they told me they received my paperwork on XX/XX/XXXX and didnt know why it wasnt being processed. I found out today XX/XX/XXXX that the refinance was finally being processed ( after months XXXX. I have been calling since XXXX to get this issue resolved. I dont think me or my credit should suffer because of this. I know if you investigate this matter and listen to all the phone calls with US bank and I, you will find Ive done nothing wrong and have been completely respectful. These unfair and deceptive practices have hurt me in the worst way. I have been a loyal customer to US bank and I dont understand any of this treatment.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TX

Complaint narrative:
ALL i did was have a change of address and without warning or ANY type of communication from usbank, they decide to freeze my account, block my card and lock all access for me to get any money. They asked for address verification and i gave it to them, followed up, they confirmed they had everything they needed and that they would be sending out a new card for me to activate. they did but STILL locked out of my account and havent been able to access my money. Ive called and called and called and they just keep putting me through to hold for a supervisor or a certain department. MANY times ive been on hold for 3 hours just to get hung up or they tell me to send in the information AGAIN and I have at least 6-7 times already. i dont know what else to do. This has been going on now for almost 3 months

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 2020-11-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding SYNCB/PAYPALXXXX with account number 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 2020-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 my Bank of America EDD account was fraudulently used to purchase items from a website called XXXX in a single transaction for the amount of {$6900.00} - I did not make this purchase nor did I authorize anyone to use my EDD Debit card to make this purchase. My debit card has been in my possession since the day I received it and I have not let anyone else use it. 

On the morning of XX/XX/2020 I noticed the transaction on my app and immediately called Bank of America to inform them. They noted my account that I was calling about a fraud claim and said I would have to make a claim with the claims dept and transferred me. I was on hold for over an hour and never connected. I proceeded to call back 3 more times that day, being on hold for over an hour each time. One time, after 1.5 hours of wait, I was actually connected but then immediately disconnected after a recording came on stating their call volume was too high and they were not able to take my call. I called back the next morning, XX/XX/XXXX and was able to get through making a claim of fraud on my EDD account. I was given a case number and I was told that I would receive a letter from the Claims department within 10 days. 

On this same day I also called the merchant XXXX and informed them of the fraud. They took my information and said their fraud department would contact me. I have not heard back from either company as of today, XX/XX/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 2020-11-19 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.

Company response to consumer: Closed with explanation