vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Hi, Sir/Madam : I have a TD band Visa credit card numbered XXXX XXXX XXXX XXXX, and I found the below three transactions are not recognized : XX/XX/2020 XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX # XXXX XXXX NM XXXX NM XX/XX/2020 XXXX XXXX XXXX VA {$50.00} So I called TD bank for above fraud charges, because I never went to New Mexico to buy anything with this card since the COVID -19 travel restriction and TD bank closed this account immediately on XXXX, and I got the new card on XXXX. 
I called TD bank to on XXXX to learn whether I have the temporary credit for above three transactions, but TD bank employee, XXXX works at the Dispute Department, told me that it is not guaranteed d to have the temporary credit. 
I replied that when your company closed my credit card and informed me that I will have the temporary credit since I paid above charges. And per government regulation : For your credit card, it can take longer, but you dont have to pay the charge while its under investigation. 
But she told me that she can only memo our conversation but she cant issue the temporary credit into my account. That is not right because bank should issue the temporary credit during the investigation, if bank provided those charges with my signature, they can charge it back into my account. 

But they are unwilling to do so. 

Thus, I have to submit my complaint online to get your help and your understanding and efforts will be highly appreciated! 

VR XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
When i was XXXX i got a credit card from wells fargo im XXXX and still am not able to get it given back or any credit anywhere after accidentally putting it in an atm machine. It was identical looking to my debit card with wells fargo. I extremely extremely need an end to this distasteful closing of my account. I cant even get married because i cant get credit since. I made every payment on time and in full for a year before the " incident ''. Ive had to turn down XXXX proposals over this because i cant make my party happen. Help

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 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo was requesting the financial statements of another person for our loan. This person was a co - signer on a retail card that we held. Wells Fargo requested that we close the credit card account. The credit card co - signer paid the balance and closed the account to try to help our mortgage application. 
Myself and mother are the mortgage applicants and approved all access to our accounts. We have provided many many documents and explained many things. This co -signer is not involved with this mortgage application in any way. 
Wells Fargo is requesting that we provide the financial information of this co -signer. There is no confidentiality agreement between this co-signer and wells Fargo. We are not legally authorized to act on this person 's behalf nor do we have access to their accounts. 
Wells Fargo is asking us to commit fraud. They will likely use that account information for marketing purposes and selling services to 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 2020-08-14 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

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 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
During the approximate 3 year life of the mortgage loan, we have been making extra payments for purposes of paying off the mortgage loan. The lender with no communication arbitrarily assigned some portion of these extra payments to future payments, ( in essence collecting interest months in advance ) and some of the amount toward principle. Once I realized that my payments were not due till XXXX next year, I contacted them to instruct them to historically apply all of the excess amount to the principle only. To date they have acknowledged my request but has not indicated that they will comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: NV

Complaint narrative:
When i was XXXX i got a credit card from XXXX XXXX im XXXX and still am not able to get it given back or any credit anywhere after accidentally putting it in an atm machine. It was identical looking to my debit card with XXXX XXXX. I extremely extremely need an end to this distasteful closing of my account. I cant even get married because i cant get credit since. I made every payment on time and in full for a year before the " incident ''. Ive had to turn down 6 proposals over this because i cant make my party happen. Help

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 2020-08-14 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: CBC Companies, Inc.
State: SC

Complaint narrative:
To whom this may concern i am writing you due my recent credit pull on my credit report. I have reviewed my report and there are several items on my report that are unknown to me. My current address and number is : XXXX XXXX XXXX XXXX, SC XXXX, and my current number is XXXXI did not authorize any of the addresses and phone numbers to be listed on my report i am request immediate removal of the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Please also remove all unwanted number from my credit report : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

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 2020-08-14 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: NY

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i wrote a dispute letter XX/XX/2020 about my inaccurate personal info with no response

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 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i wrote a dispute letter XX/XX/2020 about my inaccurate personal info with no response

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 2020-08-14 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: TX

Complaint narrative:
XXXX Dear CFPB, I have tried to work with Experian about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXXthat enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 

I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from themI still see items that are inaccurately reflecting on my credit report with them. 

I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
Experian is causing me great harm. 

I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 

Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 

Thank you, XXXX 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 2020-08-14 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: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom Mortgage is the company I am filing the complaint about. I was going to Refi with them at a lower rate but added nearly {$2000.00} worth of fees which was not agreed upon. I paid my payment for XXXX because I wasnt Refiing. I paid XXXX payment on the XXXX but got a statement for the new loan which confused me but paid it to make sure there werent any problems. I get a check from them so I thought they were giving back the extra in my account from taxes or the extra payment. I paid XXXX but then got a notice I was late. I knew i wasnt late but payed another anyway knowing I would get it back. The joke was on me. Freedom charged late fees. I called so many times, I could never get past the customer service representative to talk to someone who could fix things. I was put on hold, hung up on and never received calls back from a supervisor! I wasted hours upon hours. Then in XXXX I refinanced with XXXX XXXX because of their poor customer service and my frustration. Then Freedom made a remark in my credit report that I was greater than 30 days late in XXXX. I reached out to XXXX   and That only resulted in them changing it to XXXX that I was more than 30 days late. I proved to XXXX XXXX that there was a mistake and got a Refi loan through them. I ended up selling my home in XXXX and now I couldnt get another VA loan on a new modular home with land because of this. I once again called probably 100 times, spent hours trying to speak to a supervisor. I still can not get another VA loan until XXXX because the put in the comments that I was greater than 30 days late. I am having to rent now until then. Its expensive and I am certain their practices were illegal. If not illegal at least unfair and no one, particularly a XXXX veteran should ever have done to them. Please investigate this and help me get this fixed.

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 2020-08-14 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: OH

Complaint narrative:
1.XXXX, XXXX, XXXX, XX/XX/2019 payments were reported in the payment section but the loan amount remains the same. 
Transunion, XXXX, XXXX and XXXX XXXX XXXX XXXX were made aware of this and never corrected this, in violation of FCRA LAW. 
2. XXXX XXXX XXXX is being reported on my credit report and not the official name of the credit union. Credit Bureaus have not delete this innacurate account. 
3. Monthly Payment amount missing from my credit report.

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 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a message. 

XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a 2nd message. 

XX/XX/XXXX : Called the provided number ( XXXX ) and the assigned specialist ( XXXX XXXX # XXXX ). and left a 3rd message. 

XX/XX/XXXX : Called the provided number, spoke with XXXX, who told me she could take care of me since XXXX wasn't calling me back. I explained how there was a disagreement between my insurance company and the hospital, which led me into this collection status. I asked her what can be done to minimize the impact on my credit. She told me there was nothing she could do, unless I can dispute the collection and provide an EOB from my insurance company or speak with XXXX  to change things. 

XX/XX/XXXX : Spoke with XXXX, who told me that the collection agency didn't tell me the truth, they are able to pull back the record from XXXX if they want to do so. And that I can also dispute the charges if I want to. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a message. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a 2nd message. 

XX/XX/XXXX : Called back the financial agency at ( XXXX ) and tried to talk with XXXX ( ext. # XXXX ) and left a 3rd message. 

They are misleading on what is the best steps forward to resolve the issue, and, also refusing to call me back or communicate with me to actually resolve the issue. While this is happening, they are still sending me letter that my interest is going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX CONTACTED CAPITOL ONE CUSTOMER SERVICE TO REQUEST A LOWER APR. THE REPRESENTATIVE STATE I HAD NO OFFERSON MY ACCOUNT TO LOWER THE APR. 
I HAVE HAD THIS CAPITOL ONE ACCOUNT ENDING IN XXXX SINCE XX/XX/XXXX = 7 YEARS 6 MONTHS AND NO OFFER IN THE TIME I HAVE HAD THIS ACCOUNT OF OPTION REQUEST TO LOWER THE APR. 

I DO NOT UNDERSTAND IN 7 YEARS OF HAVING THIS CREDIT CARD I CAN NOT GET AN OFFER TO LOWER THE APR. 

FOR 7 YEARS MY CREDIT LIMIT HAS BEEN {$500.00} NEVER INCREASED. 

APPEARS TO BE AN INTERESTING QUESTIONS THAT DESERVES AN ANSWER IN WRITING. 

HOW LONG DO I HAVE TO HAVE THIS CARD FOR ANOTHER 7 YEARS TO GET AN OFFER TO LOWER THE APR. 

MY PAYMENTS ARE CONSISTENT AND ON TIME HIGH PERCENTAGE OF THE TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: LEXISNEXIS
State: SC

Complaint narrative:
To whom this may concern i am writing you due my recent credit pull on my credit report. I have reviewed my report and there are several items on my report that are unknown to me. My current address and number is : XXXX XXXX XXXX XXXX, SC XXXX, and my current number is XXXX did not authorize any of the addresses and phone numbers to be listed on my report i am request immediate removal of the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Please also remove all unwanted number from my credit report : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/2020 i wrote a dispute letter to investigate inaacurate info on my credit report and i haven't recieved a response

Company response to consumer: Closed with explanation