vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX advertised a bonus for opening up an account, Performance 360. The promotional bonus was available until XX/XX/XXXX. I started the process on XXXX, however, after many attempts to complete the application and calls to the call center I was unable. 

The problem was finally diagnosed today. They had an incorrect birthday for me in their system from a 10 year old ING mortgage, and so my application was being kicked out due to lack of match of my birthday year. 

Today, they processed a correction, but said it would take 3 days for it to process. That is not a reasonable amount of time. Most importantly, it would put me outside of the window for the promotion, which ends on XX/XX/XXXX. I started calling them and talking to them on XXXX, so I asked for an exception to extend the promotion for me, which they refused. I spent 1 hr 40 minutes on the phone with them today alone, and had previous conversations and misdirections. They wasted so much of my time for no reason and caused me to miss the promotion. When I asked for an extension, the supervisor said we had the promo since XXXX, you should have applied earlier. That is not right. If promo is available until XX/XX/XXXX, I should apply when my situation is such that I need a savings account. I was not in the market for one in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: NY

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX-XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX-XXXX. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-06-08 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: NY

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX-XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX-XXXX. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-06-08 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: CA

Complaint narrative:
My Experian credit score went up 12 points on XX/XX/2020 and then suddenly dropped by 24 points two days later on XX/XX/2020 although my credit report did not change during this time, and Experian provided no answers. 

I saw this on my credit alerts on Sunday XX/XX/2020 and called Experian on Monday XX/XX/2020 at XXXX to ask what could have caused the sudden 24 point drop. Experian Representative XXXX said she can not explain it, she can only compare my XX/XX/2020 credit report with my XX/XX/2020 report and see that nothing changed except my credit card balances decreased, which should generally help my score, not hurt it. XXXX said Experian can not give any specific information about the 24 point drop. XXXX said my Experian member ID is XXXX. I asked to speak with a supervisor, who also said she can not explain what might have caused the 24 point drop. She said " Experian can not confirm or deny '' the reason why my score dropped 24 points during a time when my credit report didn't change. 

CFPB Representative XXXX said on XX/XX/2020 at XXXX that Experian should have an explanation, when such a significant score change happens during a time when the credit report didn't change. 

In addition, there can be no new harmful inquires on my credit report during this period in XX/XX/2020, because from XX/XX/2020 to XX/XX/2020, I initiated a freeze and fraud alert on my credit report with the three credit agencies, Experian, XXXX, and XXXX. Two hard inquires were successfully removed in XX/XX/2020, which is a good thing. The resolution in XXXX should help, not hurt, my XXXX score. And although I always paid my bills in full each month, I started paying down next month 's credit card balance proactively, which the credit agencies ' FAQs all say should help, not hurt, my score. 

If anything, my score should be better than before, not worse. Please explain the score drop. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: TN

Complaint narrative:
THESE ACCOUNTS SHOWED UP ON MY CREDIT REPORT I NEVER KNEW ABOUT THESE ACCOUNTS THEY ARE NOT MY ACCOUNTS

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 2020-06-08 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: TN

Complaint narrative:
THESE ACCOUNTS SHOWED UP ON MY CREDIT REPORT I NEVER KNEW ABOUT THESE ACCOUNTS THEY ARE NOT MY ACCOUNTS

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 2020-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Stolen checks were caught by my bank Wells Fargo on XX/XX/2020. Fraudulent direct debits to a XXXX XXXX totaling {$12000.00} were taken from my account on XX/XX/2020. I closed this account and opened a new account on XX/XX/2020. Fraudulent direct debits to a XXXX XXXX appeared on my new account all through the month of XXXX and XXXX. This was during the Covid19 pandemic and I was trying to deal with the closures and chaos this was causing my XXXX. I was under the impression that this had all been taken care of by closing my account and opening a new one and I wasn't looking for more fraudulent activity at the time. By the time I noticed these fraudulent debits were still happening it was the beginning of XXXX. I immediately notified the bank and made an appointment with my local bank. My bank said they could not help me and the fraud department denied me coverage saying that I waited too long to notify them. I am a XXXX XXXX XXXX  and these debits have totaled {$15000.00}. I can not afford a loss of this magnitude.

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 2020-06-08 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: VA

Complaint narrative:
On XX/XX/2020 I wrote to XXXX XXXX XXXX and Trans Union to tell them that this was ID fraud this was not my account. They sent me print out with no signature or verification that I stated in my letter they had to verify by law. Which they say I owe the amount of {$830.00}. I sent them documents explaining that someone was using my SSN to obtains loans, jobs and cell phones. 
I wrote XXXX XXXX XXXX they refused to take this off my credit report which they are collection company not the original creditor they say it was XXXX. 
So, I wrote them again XX/XX/XXXX and XX/XX/XXXX know verification that this was my account.

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 2020-06-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I got an alert from my card issuer ( Bank of America ) that there was a suspicious activity on my card. Two transactions went through and the third was blocked by bank of America. The transactions that went through were from XXXX for {$260.00} and from XXXX XXXX for {$260.00}. I did not make these transactions and swiftly reported them as fraud. The bank issued me a refund on XX/XX/XXXX for these two transactions. 
However, on XXXX the charge for {$260.00} was put back to my card stating that " the seller provided correct address on file ''. Needless to say I never received anything from XXXX. I appealed the decision and asked for shipping tracking information and it was not provided. Bank of America fraud department refused to give me any further details. My appeal was closed silently without any notification forwarded to me of the decision made. I called Bank of America on XX/XX/XXXX again to appeal the decision, spoke with XXXX in fraud department at XXXX.He said the claim was closed because it was " an old claim '', even though it was appealed by me. He said that the seller matched the address and the name on file, but did not match the email. Again I asked for the shipping confirmation that the goods were actually shipped to my address and again did not get any supporting information. I appealed the decision again and it went nowhere again. 
At this point I feel powerless to fight the careless bank that frivolously adds charges to my account even though they were the ones who alerted me of fraudulent activity in the first place on XX/XX/XXXX. They can not provide tracking information and the email that the seller has on file does not match mine. That what XXXX told me. 
I have been a Bank of America customer since XXXX with excellent track record. 
At this point after numerous phone calls to Bank of America I have exhausted my options other than to complain about their practices. 
Sincerely yours, 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 monetary relief
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I had XXXX at a XXXX XXXX XXXX. One of the bills was for {$6600.00}. XXXX XXXX, my insurance company, paid {$4500.00} of this bill and on XX/XX/XXXX I was billed for the remaining {$2000.00} ( the XXXX XXXX statement attached to this complaint verifies that the insurance company paid {$4500.00} ). On XX/XX/XXXX I made two payments that totaled {$2000.00}. See attached screenshot from the XXXX XXXX website verifying payment. I have also included the EOB from the insurance company backing up the above figures. 

Last XXXX, XXXX XXXX issued a rebate to XXXX XXXX for some reason ( presumably as part of their standard business relationship, which, according to XXXX XXXX, had nothing to do with my XXXX ). A clerk at XXXX XXXX [ presumably ] mistakenly applied {$530.00} of the rebate to my account, which had been closed since XX/XX/XXXX. So now XXXX XXXX 's ledger showed that I owed {$530.00}. I explained to them why I didn't ; XXXX XXXX explained to them why I didn't ; and then XXXX sent the debt to a collector, Professional Credit Service. They contacted me in XX/XX/XXXX and I responded on XX/XX/XXXX with all the proof that I did not owe the debt, and I asked them to stop contacting me ( as I understood it to be my right ). On XX/XX/XXXX they contacted me again ( illegally? ) to try to collect the debt. I have once again asked them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I filed my income taxes for the year XXXX  and never received it. Upon communication with IRS, I was notified it had been garnished for a debt to a company names XXXX. I contacted said company and ascertained they were a collection agency used to collect a debt from a military card. I attempted several times to obtain payment history and contract information to validate the date and met with negative results. I sent certified return receipt for this information to have the debt validated, and I have yet to receive a response either by email or us mail. I have been trying to rectify this issue since 2016 and have been met with resistance. After conducting some research, it appears this company has conducted these same fraudulent practices in the past according to Briggs vs United States This company has continued to take my tax return each year without any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I made it clear I could only afford a mortgage payment from $ XXXX-XXXX, I am however paying {$2100.00}. Had I known this was the case I would not have purchased the home. I noticed at time of signing and was told it could be fixed after closing however the originating company stated it was so high due to an {$18000.00}. loan the previous owners had taken out on taxes and it would be corrected. After a few weeks I was told the loan was transferred to another company and to deal with them directly regarding the error. I have made tons of phone calls and emails to be told the taxes were not figured out correctly by the originating loan company and that is why I have an extra {$300.00} per month. there is nothing the new company can do about it. This is fraud! I would have never agreed to this. The originating company did not respond to my complaint from day one they just wanted me to sign up for a loan so they can get paid even if I couldn't afford it. I am very stressed and have an extreme hardship coming up with the monthly payment. Do not believe when they state they will " fix '' the documents after closing. You are stuck with whatever you signed for.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: LA

Complaint narrative:
On XXXX XXXX I sent a letter to Equifax stating that I would need verification bearing my signature in reference to XXXX XXXX XXXX who has been reporting that I owe XXXX dollars to a company called XXXX. As of yet I have not received what I have asked for. I have nothing bearing my signature to verify this. I received only an email stating that it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Someone put in a fraudulent unemployment claim using my social security number so I called Equifax to put a freeze on credit verification and put in a fraud alert. I used the Equifax automated system and entered all the correct information. I requested to speak with an agent. I was put on hold for 45 minutes and then disconnected. I called back and just requested to speak with an agent. After 1/2 an hour I got an agent. I was asked questions to verify my identity which I did. I was told that I did not pass after answering the questions correctly. She told me I would have to submit written documentation and wait for them to investigate and verify and that it would take several weeks. I asked to speak to a supervisor and she told me sure and then disconnected me. I called back again and asked to speak with an agent after waiting 20 minutes I get an agent and request to speak with a supervisor. I talked to XXXX and explained my situation. She told me there was nothing she could do that I would have to submit supporting documents and wait several weeks for the investigation. This is totally unacceptable. I tried going onto Equifax website but when I selected it I was told that the certificate could not be verified and would not allow me access. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 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: FL

Complaint narrative:
TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX Transunion :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : Transunion : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX  XXXX XXXX, TX XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report. 


XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX To Whom it may concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX is reporting late payments regarding my account XXXX XXXX  :. I am requesting that these late payments be assessed for accuracy. Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. If it is found that this infromation is accurate, please provide how you verified this information including : How you verified, who you spoke with, their phone number and documents stating this is accurate. 
Again please investagate the following : XXXX  : Validate Account XXXX Account Number : Please investigate and delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I refinanced my mortgage through a different mortgage company and closed in XX/XX/2020. I requested a payoff from Freedom Mortgage as part of the refinance process on Friday XXXX XXXX and it included 'Unpaid Late Charges ' of {$140.00} even though I have never been late on my mortgage. I called Freedom to get the payoff corrected however they told me that they automatically charge a late fee for the month of XXXX since the projected payoff date was XX/XX/XXXX, beyond XX/XX/XXXX. I told them that my refinance will fund on XX/XX/XXXX so they would receive the payoff wire by XX/XX/XXXX therefore the projected payoff date needed to be corrected to XX/XX/XXXX and the late fee removed on their payoff statement. They refused to change the payoff date or remove the late fee as the representative said they can not change the payoff date as it is system generated however once my loan funds on XX/XX/XXXX, they will refund the late fee of {$140.00} since I would not be late for XXXX. I was never refunded this erroneous late fee charge. I tried contacting Freedom again via their portal email chat but they refuse to respond to me. This might be something that the CFPB needs to look into since Freedom Mortgage is collecting erroneous late fees.

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