vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: F.H. Cann & Associates, Inc.
State: DC

Complaint narrative:
XX/XX/20 : I received a call from FH Cann & Associates at my place of employment. I spoke with the representative and requested that they not contact my job or family. I gave them my telephone number and said they can call me at the number I provided ( vs. my job, my business, family, etc. ) XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : I received a call from FH Cann at XXXX XXXX  on my business line XX/XX/20 : A family member received a call from FH Cann at XXXX XXXX  on their personal line

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: VA

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken. This negative and inaccurate information is negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken. This negative and inaccurate information is negatively impacting 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 2020-03-27 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: VA

Complaint narrative:
XXXX, Equifax and XXXX  has stated that they have verified the bankruptcy listed on my credit report by reaching out to the US Bankruptcy court. I reached out the US Bankruptcy court and was advised that they had not verified this is information. Im requesting that the Credit Reporting Agencies confirm when did they verify the bankruptcy information on my credit reports with the US Bankruptcy Court? Who did they speak with at the courts? If this information has not been truly verified as the CRAs has stated, please permanently delete the bankruptcy from my credit reports because the CRAs have provided me with false information which is against the FCRA Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi. Bank of America closed my business account XXXX XXXX named XXXX XXXX XXXX XXXX. on XX/XX/2020 for no reason. I had {$65000.00} and two weeks later I received a check with {$1200.00}. Everytime I call them to ask for the rest of my money, they tell me that my money is in a hold harmless account and that they wont give the money to me. I have all the invoices from the companies that I buy our merchandise from and all the invoices from the export company. They also told me that I have to tell my customersto make a formall recall to get their money back but my costumers already have the product that they bought from me. I didn't scam anyone. It doesnt make sense. I still got in touch with some of my costumers to do that and they reached their bank to make the complaint but they still haven't received any money to pay me again.Please I need help to get the rest of my money back. Also they didn't send me a letter before closing my account. They closed my account first and then send me the letter. Please help me. thanks

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 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have ask Trans Union to verify that my signature ( wet ) was on any of these 7 inquires that's showing on my credit report I have a fraud alert set up on my account that is suppose to notify me of any credit activity. I never applied to any of these companies. Trans Union isn't following the Data Furnishing Standardize Policy by verifying all data before applying it to a Consumers 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 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I called Bank of America to file a claim on 6 fraudulent transactions totaling {$2600.00} on my checking account. Transaction attempts were at XXXX XXXX and XXXX XXXX in California, Texas, and Tennessee all made on the same day, XX/XX/XXXX. Value of transactions were as follows : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Spoke to a representative that evening and they mentioned that those transactions were very obvious fraud attempts on my checking account. They assured me that a fraud claim would be made/approved and immediately cancelled the debit card that had been compromised. A new debit card was issued shortly after. 
On XX/XX/2020, I received an email from Bank of America stating that the claim had been resolved and records showed that the transaction activity in question was authorized and posted correctly in my account. This was not correct as I did not make those 6 transactions. I called Bank of America and was told that they are unable to do anything since I approved the 6 attempts with a PIN number. After being disconnected, I called back and spoke to a new representative. I then asked the new representative to list out every transaction they had on the claim that had been filed. They listed off a total of 14 transactions and mentioned that they could not do anything because I approved those with a PIN number. It turns out that they had added 8 legitimate transactions to my claim about the 6 fraudulent attempts which is presumably why the claim was being denied. 
Bank of America did not file the claim correctly and I want to ensure this is documented in case my new claim is denied.

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 2020-03-27 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: FL

Complaint narrative:
I Have Been A victim Of Identity Theft. I did Not Authorize nor give anyone Consent to open This Account this Account Has to be removed From My Credit. 
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 2020-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Website shows Alliants COVID-19 Emergency Programs Throughout our 85-year history, Alliant has been committed to serving and supporting our members in good times and in bad. Today, were ready to help Alliant members impacted by the COVID-19 pandemic with emergency loan and emergency loan-modification programs. 

With my bad credit i was denied a loan. My credit went down last year due to my health issues. Ive been trying to maintain my credit however, being sick and XXXX took awhile to get had me go into collections on some stuff. Which ended up having me not able to get any loans from any lenders. 

How am i able to get out of this credit debt or pay them when I can not get a loan to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion, XXXX  and XXXX  has stated that they have verified the bankruptcy listed on my credit report by reaching out to the US Bankruptcy court. I reached out the US Bankruptcy court and was advised that they had not verified this is information. Im requesting that the Credit Reporting Agencies confirm when did they verify the bankruptcy information on my credit reports with the US Bankruptcy Court? Who did they speak with at the courts? If this information has not been truly verified as the CRAs has stated, please permanently delete the bankruptcy from my credit reports because the CRAs have provided me with false information which is against the FCRA Act.

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 2020-03-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, XXXX and EXPERIAN has stated that they have verified the bankruptcy listed on my credit report by reaching out to the US Bankruptcy court. I reached out the US Bankruptcy court and was advised that they had not verified this is information. Im requesting that the Credit Reporting Agencies confirm when did they verify the bankruptcy information on my credit reports with the US Bankruptcy Court? Who did they speak with at the courts? If this information has not been truly verified as the CRAs has stated, please permanently delete the bankruptcy from my credit reports because the CRAs have provided me with false information which is against the FCRA Act.

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 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
We paid all mortgage payments to Quicken Loans on time, and we were in good standing. 

One day, XXXX County told us that we actually did not pay the property tax, and they charged {$4000.00} + late penalty. 

I asked Quicken Loans, but they told us that the title company miscalculated the amount, and we would have to pay {$4000.00}. 

We asked our real estate attorney, but she told us that her title company did not make a mistake. 

I asked Quicken Loans again, and they told us that their title company miscalculated the tax payment, and they would cover the late penalty portion, but they told us to pay the missed property tax immediately and would have to pay {$250.00} more per month in the future. So, they basically admitted their fault. 

Last year, we borrowed an additional {$25000.00} to replace the entire roof ( about 5,000 square feet ) because XXXX/XXXX  did not allow us to renew homeowners ' insurance without replacing the entire roof. We had about {$9000.00} in our bank account, and we would have a financial crisis if we paid {$4000.00} in full Plus pay {$250.00} extra per month in the future. 

So, we asked Quicken Loans for some relief, considering the financial impact of their error and coronavirus. For example, - {$4000.00} one-time credit to cover this unexpected big payment ( so we can focus on the future $ 250 monthly payment ) - or, waive/forgive the interest payment for some period ( so we pay less amount without extra fee or interest payment ) They admitted their fault, but they refused to give us any relief even though we are having this issue by trusting their calculation and decided to borrow money from them. 

They just offered an option to spread {$4000.00} property tax over 1 or 2 years WITH expensive escrow fees. In other words, they made a mistake, they can make more money, and we will lose more money over time. 

As a result, we were virtually forced to pay {$4000.00} in full to avoid expensive escrow fees. We can not understand that they made a human error and caused big trouble and tried to make more money. 

So, we have {$6000.00} in our bank account, and still have to pay {$250.00} more per month. This is a very scary situation where we don't have much spare money in an uncertain economy because if we lose a job or get one more expensive unexpected bill, our home would be foreclosed. 

We also wonder if he was mean to us because we are XXXX. As you may know, many XXXX  are hated just because of coronavirus unrelated to us. Although they made a mistake, they just put a burden on the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX transaction date XX/XX/XXXX XXXX Permanet USAA CREDIT {$17.00}. See attatched XX/XX/XXXX Statement CONFIRMING XX/XX/XXXX ( ** {$17.00} PERANET XXXX XXXX REVERSED ). 
See attatched XX/XX/XXXX XXXX Permanet USAA CREDIT** {$25.00} See attatched ( XXXX XXXX, XXXX {$25.00} PERMANET USAA CREDIT REVERSED. ) See attatched XX/XX/XXXX XXXX PERANET USAA CREDIT transaction XX/XX/XXXX See attatched XX/XX/XXXX Statement ( XX/XX/XXXX ** {$15.00} USAA PERMANET CREDIT REVERSED ).??? WHY???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TFC Credit Corporation of California
State: NY

Complaint narrative:
The school had a big identity theft problem this is not my depth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: F.H. Cann & Associates, Inc.
State: DC

Complaint narrative:
XX/XX/20 : I received a call from FH Cann & Associates at my place of employment. I spoke with the representative and requested that they not contact my job or family. I gave them my telephone number and said they can call me at the number I provided ( vs. my job, my business, family, etc. ) XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : A family member received a call from FH Cann at XXXX PM on their personal line

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a wells fargo account. XXXX  XXXX kept chagring my bank account and caused over draft fees. which lead to a a negative balance and they closed my bank account. Im waitin for my income tax return to come and all of this was out of my hands and now delayed for my paymemnt. I cant wait any longer for a check. They caused my count to get XXXX  up on charghes that i never agreed on. XXXX. {$40.00}, {$26.00}, multpe times. I spoke with XXXX  XXXX  telling them I never agreed on another yearly contract which tehy charged an annual fee. they said because of a back balance, they couldnt remove it. I said that ; 's ridiculuouas I'm a still unemployeed. I dont have a phone. My XXXX   wireless cell phone account and number are compromised with a bugged virus that wont go away which is part of the reason why Im not getting call backs from employers, friends, etc. as well as my identity-related data is compromised which stemmed from my XXXX University account. I've done everything on my end with no money trying to resolve these issues as everyone else justs sits there in pleasure as I'm unnecesarily going through this. It basically put me in poverty, XXXX, my vehicle being taken away, my accounts, cell phones, etc being hacked, abused, by my own family to control me, stop me from moving forward. i have no one else to go and reported it to FTC, IRS, all other sources to get as nothing is being done. My mail is being witherld by my family and what they're doing is illegal, geting away with because they have the funds to do it with some authority figures involved. I need help with this matter because I'm stuck and no one is helping me. Thank you. 

XXXX 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 2020-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
This loan was established in 2014 for 6 years. Every year I feel that no matter how hard I try to pay off this loan the loan amount never decreases. In addition the website shows 4 different amounts owed so it is impossible to understand where I am and impossible to devise a plan to pay it off when I sign into my account I see the following amounts due : 1.  Account Balance - XXXX 2. Amount Due - XXXX XXXX. When making the payment ( Outstanding ) XXXX XXXX. Payoff - XXXX Which one is correct? I feel this is a predatory loan as this loan applies unfair deceptive and abusive terms on borrowers and tries to make it impossible to ever completely pay this loan off. This has been going on to long. What are my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: MD

Complaint narrative:
It's Experian Again! 


Today I received another E-Mail from Experian! with a new Alert! Stating that Because there was a new usage on one of my credit cards my score went DOWN! NOW remember this same Credit Score Company, last week told me that my Credit Usage was insufficient to raise my Credit score! So I charged an item on a credit card to increase my usage! Now they are showing on the report that my usage is 22 %! Then when you read down the page at my Credit card usage it adds up to 76 % usage! SO they lowered my Credit score again! What's wrong with these people? They tell you to charge so your score will go up! then you charge and your score goes down! Are we on the same wave length?? There is a Big Problem here with this Credit Bureau!

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 2020-03-27 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:
I Have Been A victim Of Identity Theft. I did Not Authorize nor give anyone Consent to open This Account this Account Has to be removed From My Credit. 
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 non-monetary relief
Consumer complaint received 2020-03-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contact Equifax regarding inaccurate information on my Credit Report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries are 4 mo. apart and on the same day. I never authorized XXXX to keep accessing my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are 10 mo. apart. I never authorized XXXX XXXX to access my credit file XXXX   XX/XX/XXXX I have no idea who this company is I never authorized XXXX to access my credit file XXXX  XXXX never authorized XXXX  XXXX to access my credit file.

Company response to consumer: Closed with explanation