vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-25 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: TX

Complaint narrative:
The bureaus are reporting accounts that were results of identity theft. I tried times after times to ask for blocking under FCRA 605B but the bureaus do not care. They are violating several laws and regulations but do not seem to care.

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 2020-07-25 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: TX

Complaint narrative:
The bureaus are reporting accounts that were results of identity theft. I tried times after times to ask for blocking under FCRA 605B but the bureaus do not care. They are violating several laws and regulations but do not seem to care.

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
We were scheduled to have a new HVAC system installed. The company, XXXX XXXX XXXX XXXX, sent me a link to apply for a Carrier credit account through Wells Fargo to finance the new HVAC system. 

On XX/XX/2020, I submitted the online application to Wells Fargo. I included my home phone number, which was the only number required for the application. 

On XX/XX/2020, Wells Fargo called and asked for a second phone number. When I asked why they needed it, they said that they were having trouble verifying the number I had included on my application. Yet, this home number was the one they were using to call and tell me this -- since it was the number I included on my application! I gave the person my cell phone number. 

On XX/XX/2020, I still had not gotten a response to my application from Wells Fargo. Since the HVAC installation was scheduled for the next day, I called the owner of XXXX XXXX XXXX XXXX and asked if he could check into it. He contacted Wells Fargo. Wells Fargo told him that my phone number was not verified and that I should contact XXXX Credit Bureau to address the problem. 

So, later on XX/XX/2020, I opened an account on XXXX XXXX   website, checked my credit file, and noticed that, in the section entitled " Telephone Numbers Reported, '' my home phone number, which I had used on the Wells Fargo application, was the first number listed!! 

So, a bit later on XX/XX/2020, I tried to contact Wells Fargo to let them know about my number. I could not get through to the right person. At XXXX point, while I was on hold, there was a message that said that they could not help me so I should " please hang up ''!!! 

So, also on XX/XX/2020, I again called the owner of XXXX XXXX XXXX XXXX, who again called Wells Fargo. After talking to them, he suggested that I call the one number back and continually press " 0. '' So, later on XX/XX/2020, I was finally able to reach a representative at Wells Fargo. I explained what they had said about my phone number not verifying, and explained that the number in fact WAS listed in my credit file. He put me on hold to talk to someone about my issue. When he returned, he said that my Wells Fargo application had been denied because they could not verify my phone number and for " credit reasons '' ( which he did not explain ). He said that there was nothing I could do. 

On XX/XX/2020, I received a letter from Wells Fargo that said : " We are unable to offer you a credit card account for the following reasons : Unable to authenticate identity of applicant. '' On this same day, I received copies of my credit report from the three main agencies. On each report, my home phone number, the one I had used on my Wells Fargo application, and the one at which Wells Fargo had called me, was listed.

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 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter by Synchrony Bank that they closed my carecredit account. My account was paid in full in XXXX. I had used it back in XXXX of 2019 and made payments on my pet vet cost. One of your representative I spoke to during the holidays contacted about one missed payment in which I never received a bill. This representative after getting off the phone with me reduced my credit limit. Anyways, I paid the debt owed. Now after months of not using the card, the company wrote me saying that they have closed my accounts due to Not enough avialbe credit, unpaid collections and I have paid that account. I don't appreciate who ever it that handled my account. I don't want to use this credit card ever and I think it ashame how this company treated me. The representative who sounded like an XXXX man, came off very discriminating. I don't know if it was on purpose but he needs training on diversity.

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 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I previously filed a complaint on XXXX by XXXX  due to a denied loan. I was told the reason was due to too many inquires, which was strange because I hadnt applied for anything. I was told to contact Sagestream LLC, a company Ive never heard off. Ive tried to call to no avail. Ive submitted all requested information to Sagestream in order to receive a copy of my credit report and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: IA

Complaint narrative:
I applied for a pre approval with better.com at the recommendation of nerdwallet saying they were one of the better mortgage companies. I instantly received a pre approval of just over {$160000.00}. I spoke with a representative and she told me everything looked good on my account so I proceeded with finding a home. I got my purchase agreement and uploaded it like instructed, Went through all the steps and then had a 30 minute conversation with another representative who told me everything looked great, I had good rates and so on so forth. He then did one final step of running my information through an underwriting program and told me I was rejected. He tried to find other things he could do and found none and could not tell me over the phone why it was rejecting me just that the underwriting system said no and if it said no, the underwriter would say no. I later received an email with the reasons after reaching out to 2 other financial services to try and solve my situation -- I now have a purchase agreement and no loan due to things on my credit score I had no idea were there/were issues. If my credit had been checked properly I would not be in this situation. This has caused me to feel humiliated, I need to provide {$1000.00} in earnest money I'm not sure I will get back and I feel has hurt my reputation. I would not go get a home if I had not been preapproved in the first place. I don't feel like this is a fair practice for first time homebuyers. The second representative told me he has to deny people like me multiple times a day which leads me to believe others are also being fed this false hope of getting their home and then having that immediately pulled from under them. I didn't even want to get out of bed the next day I was so humiliated and felt extremely helpless. I just agreed to buy a home because this company assured me I would be able to afford it with my preapproval and now have no way to actually purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I received a a telephone call from a woman who identified herself as XXXX XXXX and stated she was calling on behalf of First Federal Credit Control, a collection agency and insisted I was indebted to XXXX XXXX Center in the sum of {$590.00}. I explained to her that the bill had been paid. She then threatened to impair my credit ( in a threatening, antagonistic and intimidating manner ) by reporting this debt to a credit reporting agency. Immediately after the threat she disconnected ( slammed the phone, in the old days ) the phone when I tried to repeat the bill was paid. Since it is easier for this senior citizen to hear conversations on a speaker, my guest, Mr. XXXX XXXX ..., heard the entire conversation. Since Ms. XXXX XXXX XXXX XXXX had information relating to my age and medical issues I believe she was trying to intimidate an old man.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
I paid off my USDA loan mortgage with servicer Flagstar Bank and they accounted for and TOOK my excess payoff proceeds of {$100.00}, directed it to my escrow account, and took more of it which was actually owed back to me, than what was actually owed for my PMI insurance, which they supposedly paid out. I have my loan documents from when I purchased the home, including my Amortization Schedule, which shows the monthly PMI amount, which does not total what they took and supposedly paid out for my PMI once my loan was paid off. I waited over an hour to speak with a manager about it and she checked with my prior servicer records from XXXX and stated that they paid out {$840.00} for the PMI for the year of XXXX and {$820.00} for XXXX, which my PMI clearly decreases each calendar year based on my amortization schedule from this home purchase, yet Flagstar Bank took {$850.00} from my escrow and payoff proceeds towards the PMI final payment. My loan documents amortization schedule clearly show that the amount for PMI for the year of XXXX totals $ 788.28.They directed my {$100.00} payoff overage and put it into my escrow account to payout more than was owed towards my annual USDA PMI and sent me a check back for a lesser amount than I am actually owed. This is FRAUD and THEFT from their former customer, me. I want my money back which Flagstar Bank STOLE from me. I spoke with the escrow and payoff departments prior to paying off my mortgage and not once did anyone say that my PMI was even going to be paid out in XXXX. Horrible staff knowledge and training and horrible customer service. I'm thankful I am done forever with Flagstar Bank and do NOT recommend them, they clearly stole money from me. Management in the escrow and payoff department did not even know how they even determine the amount owed for PMI on my USDA loan. Horrible training and knowledge. I want my money back that was stolen by Flagstar Bank.

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 2020-07-25 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I was trying to transfer money from my PNC bank to my XXXX app to invest in some stocks but it shows that an error happens and that XXXX is trying to fix it with my bank. The stocks are starting to rise and in order to get a good price I would need to invest soon. This error from PNC is restricting me from investing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX   {$20000.00} XXXX XXXX {$1700.00} XXXX XXXX {$13000.00}

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 2020-07-25 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: NC

Complaint narrative:
I WAS REFERRED TO YOUR AMAZING CONSUMER PROTECTION AGENCY BY MY DEAR AND VERY GOOD FRIENDS FROMTHE UNITED STATES SENATOR 'S OFFICE AND THE FEDERAL TRADE COMMISSION OFFICE.I'AM A VICTIM OF IDENTITY THEFT AND ALL OF MY IDENTITY WAS STOLEN AND FRAUDULENTLY USED TO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME WITHOUT ME KNOWING.I'AM STUDING FOR MY XXXX XXXX IN XXXX AND I'AM TRYING TO PURCHASE MY FIRST NEW HOME AND I CAN'T DUE TO THIS HORRIFIC INCIDENT.I HAD AN XXXX CREDIT SCORE BEFORE ALL OF THIS HORRIBLE SITUATION HAPPENED.I JUST WANT MY WANT ALL OF MY DAMAGED CREDIT REPORTS FROM ALL THREE BUREAU 'S CLEAR AND BACK TO MY XXXX EXCELLENT CREDIT SCORE.ALSO I WANT AN REFUND OF THE MONEY THAT I PAID FOR AN CREDIT REPAIR AGENCY TO RESTORE MY DAMAGED CREDIT WHICH IS XXXX   XXXXTHANKYOU AND GODBLESS YOU AND YOUR WONDERFUL STAFF ALWAYS.SINCERELY, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: ID Analytics, Inc.
State: OH

Complaint narrative:
After Carefully reviewing my credit report i noticed there are a few accounts showing that i have not authorized. Due to this mishap im requesting my credit file be freeze. My name is XXXX XXXX XXXX i reside XXXX ROCKY XXXX XXXX COLUMBUS XXXX OH XXXX, Please remove the following address and unknown credit items from my report ... XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEBT RECOVERY SOLUTIONS # XXXX, XXXX # XXXX, XXXX following addresses/ and phone numbers are not associated with my social or XXXX MALLCREEK CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, WY XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX the XXXX numbers also : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
No support when they abruptly close my account for no reason, the funding bank that sent me XXXX $ is saying it wasn't returned by Revolut and another transfer that I sent to another account I own is also missing of {$2500.00}, I have requested tracking numbers and can't get a straight answer. I'm missing this money And I have nothing left they took all my money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: TX

Complaint narrative:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX HURSTSHIRE BD XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX B BTCHR ND RSTRN B XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} REGIONAL ACCEPTANCE- {$20000.00} FREEDOM MORTGAGE {$1700.00} XXXX XXXX {$13000.00}

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 2020-07-25 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:
FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX HURSTSHIRE BD XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX B BTCHR ND RSTRN B XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} REGIONAL ACCEPTANCE- {$20000.00} FREEDOM MORTGAGE {$1700.00} XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC bank will not allow me to connect my bank account to my account on XXXX to transfer my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25 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: CITIBANK, N.A.
State: MO

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX I purchased a vacation package ( flight & hotel ) for {$1800.00} to XXXX XXXX. As the pandemic was unfolding XXXX emailed me and said they canceled my hotel and I should contact my credit card holder for assistance. Then 2 hrs later XXXX canceled my flights. XXXX refunded my flights to XXXX. Immediately, XXXX 's on line site went down and phone lines had the recording stating the same as the email I received. I am on my 3rd round of disputing this charge with CITI Card at billingdispute@citi.com. I started my dispute XX/XX/XXXX. On XX/XX/XXXX I called on the dispute cause I had not heard anything for 2 months. I was told they notified me they needed more documents. I said I had not received an email or phone call. They said they notified me on their on line site under e-communications which I knew nothing about this link! I would have monitored it if I did! I mailed all the docs they said they needed on XX/XX/XXXX. Yesterday XX/XX/XXXX I went on line and it said it was ruled in merchant 's favor. I called and asked HOW did they determine that? Again, they needed more docs!!! Everything they asked for again I had provided and they said it was not there! This time they also wanted a letter from me stating I had received no funds or compensation in any way for the trip. Last night ( XX/XX/XXXX ) I emailed everything this time so I can pull up the doc to show them it is provided!! Now waiting for round 3. It is dispute no. XXXX with CITI BECAUSE of charging me and no delivery or refund from 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 2020-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I keep getting declines from capital one saying I have too many negative accounts with them and I wan na know where? Please see attached letter I received today. Ive asked this multiple times.

Company response to consumer: Closed with explanation