vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: ID

Complaint narrative:
I did not authorize any of these companies to run my credit. Please remove these inquiries as I have an alert on my profile. 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 2020-08-14 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: ID

Complaint narrative:
I did not authorize any of these companies to run my credit. Please remove these inquiries as I have an alert on my profile. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a Victoria Secret charge card through Comenity Bank and have had a few issues with said bank. Which ended with Comenity closing my account XX/XX/20 for reason that did not seem valid or clear. I then made a complaint here through the CFPB requesting my account be reopened and the rewards and the anniversary discount of 20 % for earning XXXX  XXXX status be extended so that I could use them as I earned then through the rewards program. The company responded XX/XX/20 stating they refused to reopen my account due to " credit changes and lack of use '' which neither claim was true. I was unable to make purchases from XXXX - XXXX due to a mistake made to my account and in XXXX the company addressed the mistake and fix my account, but I did make multiple payments in XXXX so there was no lag in activity and their statement of " credit changes '' is also false or i can only assume so since on XX/XX/20 ( 5 days before the refusal response ) I was pre-approved for another Victoria Secret card through Comenity Bank which I accept just to see and was fully approved for XXXX credit which is {$50.00} more than the account that was just closed. I notified Comenity of this and also asked for my account status to be changed to XXXX XXXX like I had earned in my previous account and my rewards to be renewed and was told my questions were sent to the right department and to give it 30 days for a response and after the 30 days I was told I'd have to try and call to speak with the right person. I'm not sure why this company is targeting me but I definitely feel like I am being retaliated against because they attempted to change my minimum payment illegally and I made a complaint

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: PA

Complaint narrative:
to whom it may concern I sent a dispute letter out on XX/XX/2020 and by law it states that the credit companies have 30 days to respond to a letter and i haven't received one yet. This is a matter i would like resolved as i work on building and fixing my credit.

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: PA

Complaint narrative:
to whom it may concern I sent a dispute letter out on XX/XX/2020 and by law it states that the credit companies have 30 days to respond to a letter and i haven't received one yet. This is a matter i would like resolved as i work on building and fixing my credit.

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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank, 2018. I had major identity theft occur and the thief/thieves charged over {$7000.00} in charges on an Att Universal credit card. I continued to make payments on the card and also filed a police report. {$3900.00} was still owed on the charge card when I stopped paying on it. Citibank did not recognize the theft and has ruined my outstanding credit. My credit score was in the high 700 's and now is only in the low 600 's. I would like my credit restored because the woman from Citibank just got tired of investigating the hundreds of charges that were made. If she would have just taken a look at my spending history she would have been able to see the fraudulent charges were not made by me. I didn't notice the card was gone for a couple of months because I had been hospitalized for a XXXX XXXX  and didn't need my card for a few months because I was recovering. Please look at my credit history and see that I am and have been a responsible customer. They never even refunded me for the thousands of fraudulent charges that I paid for on that card. SINCERELY, XXXX XXXX alias 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX sold an item online ; she received payment by check on XX/XX/XXXX. The check was for more than the item she sold ( {$1900.00} and the item sold was for {$660.00} ). 

On XX/XX/XXXX XXXX sent via the XXXX app ( from within the Bank of America app ) the sender {$1300.00} ( XXXX XXXX ). 

Later that day Bank of America reversed the deposit ; a claim was filed with B of A ; B of A claims the transaction was valid on their end and XXXX is not their responsibility. 

B of A has the information of the recipients bank account but will not release this. A police report has been filed as well. 

B of A takes no responsibility for the XXXX platform used on their App.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes the complaint is the result of a misunderstanding
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: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I checked my XXXX credit report and realized there was a collection reported on my account reported by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I immediatley contacted XXXX XXXX XXXX to find out why this was reported to my account. They could not give me an answer and asked me to mail a validation letter to their corporate offices. A days later after preparing the letter I realized the ccount was no longer reporting. 

XX/XX/XXXX I received a notice from FRANKLIN COLLECTION SERVICE , INC stating that an account Owed to XXXX XXXX XXXX was placed with their office for collection. I immediatley sent a letter Sunday XX/XX/XXXX asking to validate the debt because I had no clue why they would be contacting me. ( That letter was recieved by FRANKLIN COLLECTION SERVICE, INC on XX/XX/XXXX at XXXX am USPS XXXX # XXXX ). 

XX/XX/XXXX I started recieving credit monitoring alerts stating there was a collection reported. It was from FRANKLIN COLLECTION SERVICE , INC . I immediatly looked at the letter again and it was dated for XX/XX/XXXX. I checked the envelope which I still have and there was no date on the envelope. Again I recieved this letter on XX/XX/XXXX. 

XX/XX/XXXX I contacted FRANKLIN COLLECTION SERVICE, INC over the phone. I first spoke with XXXX XXXX and after requesting a manager I was connected to the Supervisor XXXX. After talking to XXXX, she informed me that FRANKLIN COLLECTION SERVICE, INC would request deletion from all credit files. I was also informed that I could send the letter confirming this info to the credit bureaus. I have fowarded the letter and the account remains on my report stating that FRANKLIN COLLECTION SERVICE , INC has updated the account as reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I had my flood insurance agent fax documentation for the new quote that contained the additional coverage requested from Amerihome Mortgage. 

On XX/XX/XXXX, I had 2 emails that confirmed the Items that I had additionally uploaded for the quote as well as the address for expidited processing of the flood insurance quote were processed. 

On XX/XX/XXXX, I recieved a letter stating that they needed to still have the additional converage for flood insurance. 

On XX/XX/XXXX, I called to confirm the situation multiple times and they hung up. 

On XX/XX/XXXX, I called to confirm the situation multiple times and they hung up without working toward a resolution.

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:
hey, I sent a dispute letter XX/XX/2020 and as of today I still havent recieved a response and by the law if im not mistaken the bureaus have 30 days to respond

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:
hey, I sent a dispute letter XX/XX/2020 and as of today I still havent recieved a response and by the law if im not mistaken the bureaus have 30 days to respond

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 2020-08-15 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: VA

Complaint narrative:
XXXX XXXX is the company I am filing the complaint about. I was going to XXXX 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 XXXX. 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. XXXX 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 XXXX 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 XXXX 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 2020-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I was pre-approved By Wells Fargo for a mortgage of {$300000.00}. 
On XX/XX/XXXX, I received " Upfront Fee Payment Confirmation '' from WF for the {$400.00} fee I had paid to open an escrow for the purchase of a house. 
Between XX/XX/XXXX and XX/XX/XXXX, I have uploaded over 45 documents ( over 150 pages ) to my " Loan Tracker '' account with WF. 

I have also communicated via email and telephone conversations. Meanwhile, the escrow has already been extended twice, and I have stressed many times with my WF loan counselor that the sellers are anxious, issued a " Two-Day Notice to Perform '' 3 days ago, and that we are going to lose the house if I can't at least tell them that WF will fund my loan, and give them an approximate closing date. They will cancel the contract now, because WF will not respond one way or the other on the funding. 

I have given WF every document they requested, except ONE, which was one of 3 new documents requested only 2 days ago. My checking account is with XXXX, and it is titled XXXX XXXX XXXX, Trustee for XXXX XXXX. She is one of my daughters. WF wants a " Trustee Statement '' from XXXX. " The statement must confirm that you are the primary beneficiary with unrestricted access to all, or a specific amount of the funds needed to close the transaction, including any required cash reserves. Statement must indicate if funds will or will not be a loan. If funds will be a loan, provide repayment terms. '' I have explained to WF that I called the USBank XXXX number, and was told that only the Branch Office could provide the Statement. That person gave me the Branch phone number, and was surprised to see that they are open ( presumably because of Covid-19 shutdowns ). I called my branch and they are not answering the phone ; I left a voicemail message to ask for assistance with a " Trustee Statement '' for an escrow. They have not called me back. The bank 's hours are limited : " LOBBY XXXX to XXXX. '' I presume that means walk-ins, banking transactions only. And the branch is an hour-and-a-half away from where I live and work. I have told WF that it is IMPOSSIBLE to obtain the Trustee Statement at this time. 

Furthermore, I have stated in writing to WF that I have NO INTENTION of using funds from that XXXX checking account for escrow. I have told them that my intention is to pay for the down payment and all escrow fees from my XXXX XXXX   XXXX account. But, my counselor won't even try to communicate with the underwriters with this information. All I get from her is " all document requests must be filled. '' And as a result, I am losing the house. The sellers are done.

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 2020-08-15 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 sent a letter out on XX/XX/2020 disputing inaccurate personal info and for some reason i've gotten no feedback

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 2020-08-15 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 sent a letter out on XX/XX/2020 disputing inaccurate personal info and for some reason i've gotten no feedback

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 2020-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Have additional information pertaining to complaint XXXX i had contacted see XXXX and hey said capital one was responsible not them i called back capital one and they said the claim was denied but they maybe able to do somthing in 5 days today i called back capital one pertaining to the account that had to be moved to another account so additional fraud would not be done to the account ending in XXXX and which i was getting .1.50 interest and after this fraud now the bank under the circumstances is penalizing me give me a 1.0 percent rate and today noticed its XXXX this is terrable bad enough a crime was committed and they are showing a no care attitude towards me as a customer, I like this bank a lot and never had a problem in the past until now when I spoke to supervisor XXXX when I was explaining my situation felt he was disrespectful and was talking over me and not allowing me to talk and this is a supervisor can somone please help me with this situation I feel very bad this fraud situation took place but the experiance in the bank is making things worse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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:
i sent a letter out XX/XX/2020 about inaccurate personal info and still havent received a response

Company response to consumer: Closed with explanation