vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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: McCarthy, Burgess & Wolff, Inc.
State: IL

Complaint narrative:
This company was assigned the XXXX XXXX account that was written off that I was not notified of. I never received a notice from XXXX about a final bill or anything of that nature. Furthermore when I received the letter just this week it was purposely mailed without my full address including the account number so it was just sitting at the main inbox for weeks before it was assigned to my mailbox which I feel is a purposeful neglectful act to slow down the dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I contacted Rocket Mortgage to check on their claims of very low refinancing rates. I did not provide them with my Social Security Number or an authorization to do a hard credit pull on me. However, I found out that they did just that and it lowered my credit score because of other authorized parties and credit pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: GA

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2021-12-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Westlake Services, LLC
State: WA

Complaint narrative:
In XXXX of 2021, I was told by an associate at West Lake Portfolio Management that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, West Lake Portfolio Management reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Through a sophisticated and complex scam on XXXX XXXX, where the perpetrator was able to garner all of our private information ; Citibank transferred {$2000.00} from our savings at Citibank to an account the crook set up at XXXX. The scammer was able to breach Citibank 's own site with a number to call the fraud dept. It's a long story ; but the long and short of it was : We froze our acct. as soon as we realized what was happening. We filed a dispute on the {$2000.00} withdrawal. We were told to open a new account and have the rest of our savings transferred into it from the existing compromised account. The Citibank fraud dept. replaced the {$2000.00} as well ( that was good ) ; but now we, after 20 hours + on the phone with customer rep after customer rep who could not get us access to our own account have given up on the phone contact. We did not realize that Citibank only has a brick and mortar location in 12 states. We are in WA state. The nearest Citibank location is about 1,000 miles away in CA or NV. We deal with 2 other ( local ) banks and had no problem changing those accounts and accessing the new accounts with our new usernames and passwords. After giving up on the phone contact ( which seems to be routed to a foreign county with reps we can not understand, and don't know-or care-about what to do ) we have taken to sending certified letters asking as to how we might access our own account. This has been going on for over 5 weeks. The FTC and XXXX XXXX Sheriffs Fraud dept. have been notified.

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 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Hello, I started a mortgage refi application in XXXX with Wells Fargo who services my current mortgage. My current rate is XXXX while the refi rate lock was 2.625 %. I feel as though Wells Fargo completely harassed me in several different aspects. 
They started the process by pulling my credit history which identified some areas of concern. Wells Fargo moved assed this ; however, and continued to request information over a three month period. Wells requested the same documents over and over, made me upgrade my home owners insurance, made me pay for a property assessment, submit P & L Statements multiple times, and send retirement information several times. I submitted everything in a timely manner following the credit report yet the requests kept coming. In the end, Wells denied me based on information they had from the first week. I feel like this process was very unprofessional and in the end Wells kept searching for another reason to deny me. When they couldn't find anything Wells resorted back to the credit report. I have requested documents from Wells ; however, they will not return emails. I hope there is an oversight committee that can review this complaint. I feel as though Wells made a financial decision that was best for them while harassing a customer.

The irony is that Wells claims they want to assess risk yet my refi would have been less risk than the current mortgage. Both houses appraised at more than I stated and my credit score improved, yet Wells only updates information that will hurt an application if that is their plan. 
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 2021-12-30 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00}XXXX XXXX XXXX  XXXX XX/XX/XXXX {$14000.00}, XXXX XXXX  XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  XXXX XX/XX/XXXX {$220.00}, XXXX XXXX XXXX XX/XX/XXXX {$270.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
CONTRACT CALLERS, INC has sent forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. CONTACT CALLERS, INC is violating my rights to privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX XXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XX/XX/XXXX {$51.00}, XXXX XXXX XXXX XX/XX/XXXX {$380.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00}. Inquiry : XXXX XXXX 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 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In XXXX of 2021, I was told by an associate at XXXX XXXX XXXX XXXX that since my car was at the end of terms, they would extend my payment as a courtesy over the next XXXX months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, XXXX XXXX XXXX XXXX reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.

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 2021-12-30 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: EQUIFAX, INC.
State: WA

Complaint narrative:
In XXXX of 2021, I was told by an associate at XXXX XXXX XXXX XXXX that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, XXXX XXXX XXXX XXXX reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In XXXX of 2021, I was told by an associate at XXXX XXXX XXXX XXXX that since my car was at the end of terms, they would extend my payment as a courtesy over the next five months to pay the remaining balance of XXXX. I continued to make my payments since I was told when I extended my payment that it would just extend my loan, not that my loan would be treated as late at the end of the term. In XX/XX/2021, XXXX XXXX XXXX XXXX reported my account as 30 days past due, without my knowledge. When I asked them for any documentation, they explained that they didn't have any on record. Then they backtracked and said as a courtesy and said they would put me in their payment plan, but they had already reported me as late. I have all the receipts of my payments for each month. This past due on my credit history will affect my financial health due to misinformation from their representatives and treatment of customers.

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 2021-12-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( XXXX XXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notice of an update on my XXXX credit report of a new collection account in the amount of {$1300.00}. The collection agency was listed as Vance & Huffman , LLC with no indication of the original creditor. I immediately called the creditor and was only provided the option to leave a voicemail with no indication of when a return call would be made. 

This morning, after an additional review of my XXXX and XXXX reports, it was associated with XXXX XXXX. I attempted to contact XXXX XXXX from contact information on their website and was I was on hold awaiting a response and then the line disconnected no fewer than three times. 

I was able to get into an account that I did not recall setting up under my email address and found that a loan was taken out in the amount of {$870.00} in XX/XX/XXXX. The account showed a record of cleared payments totalling {$1000.00} ( well over the amount that was funded ). Additionally, there showed a record of 4 cancelled payments in the amount of {$1000.00}, nearly the same as the amount originally showing cleared. This account should be showing as paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My creidt score is and was always in the XXXX. 
I am a US VEteran. 
I never received a call notification from a hospital bill ( from the XXXX XXXX ) The bill was {$300.00} dated on 2013. 
Three weeks ago my credit score went down to XXXX and as of now it's still 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 non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I made by payment of XXXX from my XXXX personal checking account onXXXX. The funds have been taken from my acct but, the Capital One rep tells me there is a 7 day hold on the funds. This beyond insane when they have had the funds since this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I ordered some items from a website ( XXXX XXXXXXXX XXXX ) in XX/XX/2021, but they were incorrectly made and not what was advertised. Per conversation with the store, I sent them back in XXXX to get the correct items made and shipped. I was told on XX/XX/XXXX via email that the order would be shipped back to me XX/XX/XXXX from XXXX to XXXX, TX with tracking sent then. Ive ordered from this company in the past and shipping takes 3 to 5 business days maximum. 

I begged them to send my items in time for the event I had ordered them for back in Mid XXXX but they refused to get me the order. I told them I didnt need them after XX/XX/XXXX, and the only acceptable option for holding everything a month past when it was promised, would be a refund. 

I still have no order from them and it is now XX/XX/XXXX. 99 days later. 

I have done everything to work this out with the vendor in time to get the things I needed and they purposely held my items and told me via text that they would not send anything to me unless I first closed the case with my bank, Capital One. 

Capital One told me to keep the case open until I received the correct items to ensure I would get them, and I did that. Capital One told me I was safe to not be charged for the order since I never got it. 

However, somehow the bank has sided with the vendor and charged my account, while I still have not received my order. 

They said the vendor told them we had worked something out. This is false and nothing was ever worked out or received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services
State: NC

Complaint narrative:
I am a victim of identity theft. From XX/XX/2020 until present I have repeatedly communicated with mercedes-Benz financial services sending letters in the mail and faxed my police report. Yet they still refuse to remove this fraudulent account # XXXX from my credit report. I have filled repeat identity theft disputes with all 3 of the credit reporting agencies beginning in XXXX of 2020 til present and yet they refused to remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 I entered the XXXX XXXX  store to purchase a few items I tried to use my bank of America debit card to complete the purchase my card was declined after two attempts i tried logging into my mobile banking app and could not access the account a message came up stating my account was blocked and I needed to call the number provided on the screen I immediately called the number and was told by bank of America representative that my account had been closed due to breech of contract I asked how did I breech the contract and was told that information can not be disclosed to me the account holder also I have XXXX in the closed account and can not access my money and with the pandemic and I was just recently a victim of XXXX  XXXX and currently receiving service due to the XXXX XXXXXXXX that is all the money I have leaving me penniless as iam also displaced from my home due to the XXXX XXXXXXXX I have been an account holder with bank of America for 9 years and without a email a phone call or nothing pertaining to the decision to close my account and a reason why and also because I have no knowledge of why the account was closed it is my belief this closer will effect my ability to open an account with another financial institution I have done absolutely nothing with my account other than normal activity and I went into bank of America after I was told over the phone that the reason for the account closure could not be disclosed I met with a banker who pulled up my account and it showed no problems with my account and or purchases and I was still refused to be given answers or reasons for the closure by the banker and i was also told I could never open another account with bank of America with no explanation as to why

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