vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2020-12-18 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: GA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BELMONT FINANCE LLC
State: ID

Complaint narrative:
On XXXX/XXXX/2020 I sent a check to pay off the loan I had with them. I overpaid {$150.00}. I contacted the about the over payment. I was advised that I would receive a check paying me back in about 4 weeks. At 4 weeks I contacted them and was told that I would received the payment in 4 to 6 weeks. At 6 weeks I again contacted them. I was told that I should get the check on or about XXXX/XXXX/2020. On XX/XX/2020 I contacted them and was told that it had only been 5 weeks and I would get it next week. I informed them that this was the 6th week going on 7 weeks. was then told that sometimes it took 8 weeks. On XX/XX/2020 I filed a complaint with the XXXX. The reply from this business to the XXXX  was that the check was mailed out on XX/XX/2020. They said that the refund had been overlooked. On XX/XX/2020 The company informed the XXXX  that refunds were done " in batches, not on a individual basis ''. As of this date I still have not received my refund. Also the business is not registered as a finance company with the Idaho department of Finance. Which means I have filled a complain with the Idaho Attorney General 's office consumer protection division.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
on XX/XX/20 i recieved a voice mail from phone number XXXX which showed as a spoof call from XXXX Texas area code from a man named XXXX XXXX from Minnesota claiming to be a lawyer from Direct Recovery Services saying that i need to call XXXX before XXXX local time to make some kind of prepaid debit payment within 24 hrs or the local police department would be out to my home or work to effect a arrest warrant.of course no one ever came and we knew that it was a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was about to start the process of buying a home and went to meet with the lender and found several inquiries on my credit that are not mine. Ive contacted the credit bureaus regarding this but has no response. Im doing this on my own behalf. Please help me and the inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX/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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was about to start the process of buying a home and went to meet with the lender and found several inquiries on my credit that are not mine. Ive contacted the credit bureaus regarding this but has no response. Im doing this on my own behalf. Please help me and the inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: KEYCORP
State: NJ

Complaint narrative:
We have been receiving harassing phone calls from Keybank regarding an alleged debt. Although Keybank as been notified to stop calling, the calls continue daily. Also in attempt to resolve this alleged debt a notarized affidavit to dispute and requesting verification of debt was sent certified mail to Keybank back in XXXX 2020. No response was received regarding verification of debt. The calls had slowed after letter in XXXX 2020, however have recently started to be a couple to few times daily. My mother is elderly and has health conditions and has been disturbed tremendously with the stress from these phone calls and letters ( that note " debt collector '' ) from Keybank as she has hard time even getting the phone to answer. 

It was clearly communicated on each call from Keybank, to no longer call numbers noted on alleged debt account or to send threatening letters that they are debt collectors. A call received from Keybank today caused major stress as the representative responded to her after noting once again it wasn't her debt, please don't call ... representative responded " pay your bills and we won't be calling. '' Also stressed has been caused as Keybank has reported information to the credit bureaus that have adversely affected both of our credit scores. We are both aware of our natural protected consumer rights these are clear violations and we are requesting for this matter to be resolved as soon as possible as it is affecting our lives daily. 

Some of the noted dates and times of recent calls : XXXX/XXXX/20 XX/XX/XXXX20 XXXX XXXX XX/XX/XXXX20 XXXX *yes am ( have voice mail proof ) XX/XX/XXXX20 XXXX XXXX/XXXX20 XXXX XX/XX/XXXX20 - XXXX XX/XX/XXXX20 XXXX XXXX/XXXX/20 - XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TN

Complaint narrative:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted 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 explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reached out to the bureaus on XXXX/XXXX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted 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 explanation
Consumer complaint received 2020-12-18 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:
There is an account showing on my credit report that isn't mine. It's from XXXX XXXX and says it was originally from XX/XX/XXXX I never had any service from XXXX, so this must belong to someone else.

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 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
4 Withdrawals and 1 purchased to the card when I never received the card. After investigating Capital One now denies my claim saying that I have the card. So, basically they emptied my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We live in a world of high technology, why would a bank allow you to transfer money from XXXX or anything else when you dont have enough deposits? Because they can charge fees and its relative to writing bad checks. 

This is wrong, they know you dont have money and they also know they can charge fees, crazy fees for overdraft, this was an accident, not purposeful. 

Come on government, make it fair, everyone is tired of being ripped off. Its simple, if you dont have money, you cant transfer it, not go head and we will chrArge you crazy fees. 

This is Wells Fargo who has ripped everyone off and Im the XX/XX/XXXX one for being loyal. 

Come on government, protect us.

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 2020-12-18 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: GA

Complaint narrative:
XX/XX/2020 Received response letter from Transunion stating that they refuse to reinvestigate public record : Chapter XXXX Bankruptcy. Transunion stated unless consumer provide additional information such as letter from creditor or courthouse they are not required to reinvestigate the same item at this time. I have enclosed a letter directly from the courthouse stating that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. ( Transunion can review the letter enclosed as an attachment in this complaint. ) Transunion stated in their response letter that it is their goal to maintain complete and accurate information. ( I have provided a XXXX  document showing the comparison of how the bankruptcy is being reported inaccurately across all three bureaus. ) Items reporting on a consumer 's credit report must be reporting 100 % accurate across all three bureaus via the Fair Credit Reporting Act. If an item is not reporting 100 % accurate across all three bureaus the item must be deleted from the consumer 's 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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors

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 2020-12-18 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:
There is an account showing on my credit report that isn't mine. It's from XXXX XXXX and says it was originally from XX/XX/XXXX. I never had any service from XXXX, so this must belong to someone else.

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 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank sent me a letter informing me that they are closing my safe deposit box account. The notice stated to contact their customer service to obtain further information. 

When I first got the notice, I reached out to the Citibank branch located at XXXX XXXX XXXX, XXXX, CA XXXX, directly and spoke to the branch manager. The branch manager informed me that they do not see any closure notices for any of my accounts in their system and the letter looked to be fake. He made a copy of the letters and said he will forward these to Citibank fraud department and let me know if there is anything information. 

Upon this information, I took no further action, however, on the notice date, my checking & savings accounts were closed - even though the notice mentioned just my safe deposit box account. This was then followed by closing my credit card accounts by Citibank I sent multiple letters ( via USPS ) requesting further information, however, till date I have received no response to my request.

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 2020-12-18 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: DISCOVER BANK
State: CA

Complaint narrative:
The Problem that I have been having with this company is that I have been trying to solve a mistake that they made while reporting on my credit report a late payment when Im sure that I made that payment and Have sent the proof on this letters attachments, Ive tried to solve this with them already but when I called them, they say there is no late payment in their system. Furthermore, they will not fix anything for me even though they admitted I am not late, and this has affected me on my mortgage putting me on escrow, just to think about the fact that this could have been solved by just putting a small effort and fixing their mistakes makes me feel bad because I would not be in the situation that they basically put me in. 

If this continues to be an issue and they do not tend to resolve their mistake I will feel no more than obligated to file a sue against Discover since they refused to fix a mistake that they did, and it brought serious consequences against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account was frozen by Regions with no reasoning. I am trying to close the account and am unable to. I have no access to the acct at all or the money.

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 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: WV

Complaint narrative:
My loan with XXXX XXXX XX/XX/XXXX was sold to Shellpoint in XXXX My XX/XX/XXXX payment would not be accepted by XXXX XXXX and it took Shellpoint 3 weeks until XX/XX/XXXX to get my account set up to even allow me to make a payment, which I then made with an extra payment on principal. I spent an hour setting up auto pay again from my bank ... .then today I receive a Notice of Sale from Shellpoint of my mortgage to another shady company, XXXX XXXX XXXX XXXX with a transfer date of XX/XX/XXXX. So Shellpoint only had the mortgage for 13 DAYS. The number they provided XXXX XXXX XXXX at 3 different places on the letter is not a working number. The loan number is XXXX. I am totally convinced that their frequent sale of my mortgage is going to result in losing my payments. Are they at liberty to sell my mortgage every month and to anyone that they want??? Now a XXXX XXXX company owns my mortgage and I have no idea where to send my XXXX payment. I have NEVER been late and feel very uneasy with the current sloppy, careless handling of my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: DC

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a card holder with Victoria Secret, Comenity bank. In XXXX of 2020 I received my first statement and made my payment a few days late due to a mistake on my end. The full balance was paid of {$24.00}. I contacted customer service and was told this XXXX late fee would be waived. Fast forward to XX/XX/ 2020, I was hours late of paying my full statement balance of {$39.00}. Their cut off is XXXX XX/XX/XXXX with absolutely no grace period for payments. My balance was paid in full, yet the next day, my due date is the XXXX, I viewed my statement on the XXXX. I was charged a {$31.00} late fee on a {$39.00} balance. I contacted customer service today to request the fee be waived. I was met with complete disrespect of the supervisor who advised there was absolutely nothing she could do to waive this fee. When I questioned what exactly her bank was doing to help people during this trying time, she mentioned they are working with consumers with large balances to reduce their minimum payments and interest. Yet a consumer who pays their balance in full, with no financial hardship is unable to be assisted with fees. When I suggested that their bank consider sending email, texts, or calls to help remind consumers of their due date she mentioned this would be a waste of resources and we are all adults here. I believe this policy is doing harm to many, not just including myself. This bank has decided to put fees before assisting their customers, allowing absolutely no grace period or assistance for the consumer. Can a bank have a cut off TIME for payments? Especially in such a difficult time for so many.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP

Complaint narrative:
On XX/XX/XXXX the check we wrote that paid the fee to file to apply for a Partial Release of Acreage, cleared our bank. With no contact from BOKF. We called BOKF. A laughing girl told us in 24 hours someone would call us back. First call on XX/XX/XXXX second call on XX/XX/XXXX. We were told the lady should have said three business days. On XX/XX/XXXX the BOKF office XXXX XXXX called claiming she had been sick. On both XX/XX/XXXX and XX/XX/XXXX we asked for the laughing ladys boss to call us she did not. XXXX told us we would need a survey. We got her one back to her the following week. But until we called her no response. After the call she told us she was going to start the paperwork for an appraiser and there is no time requirements, but the most she had seen them take was six weeks. On the sixth week she told us she canceled the first appraiser on put in a request for another. The second came out on XX/XX/XXXX. She said the appraiser got the paperwork to her on XX/XX/XXXX or XX/XX/XXXX her story changed. Everything is okay for the release, but I can not get a copy of any if the paperwork because it might get list in the mail. I called to see if they have received anything at the county planning office they said tell her to email all the banks are email. She will not.

Company response to consumer: Closed with explanation