vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My file was never sent to Underwriting and the lender made and requested to amended my ( Home Insurance ) and positioned themselves as the lien holder even though my file was never sent to underwriting.

I applied for a VA IRRL Streamline and decision after 45 days of my file being submitted and application completed an email was sent that I had late fees assessed and that was why my file was not submitted to underwriting.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
company emailed me and said they could not deliver it. i had written them letting them know we had fires, toxic severe smoke, were on a lockdown and this household had covid. they were supposd to deliver it two months earlier but never replied, then one day i get the email saying the couldn't, so account was to be closed. they cancelled. yet, they not only kept the charge acct active but they ruined my credit and imposed late fees on a fraudulent charge. i am seeking interest in the amount of 1.2 percent each day account remains open from the date they opened it, the credit report not fully repaired, and for time spent emailing and repairing the credit in total of XXXX i am also seeking arbitration through Fair Shake and a class action attorney and have reported this to CA, SEC XXXX and DA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I never had such an experience in my life. I never had a timeshare I was threatened to pay or my credit would be ruined. I dont own a timeshare. Can someone just ruin your life and make you pay for it? Please delete now. 

Barclay. I have no idea where this came come I was told it would be deleted. Its still on my report. Its not mines XXXX XXXX  XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine I never had a time share this is illegal. Please delete this now. I dont understand how this happened. Is it because I am XXXX? 
BARCLAYS BANK DELAWARE, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine i never had this card I was told it was a authorized user. 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 2020-11-19 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: I.C. System, Inc.
State: SC

Complaint narrative:
On XX/XX/2018 creditor ( I C Systems ) added a derogatory remark to my XXXX  profile per XXXX XXXX. Upon further research, this account was a transfer/sold and i am no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( I C Systems ) has validated my rights as a consumer and I am request legal actions to remove this account IMMEDIATLY!

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 2020-11-19 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: CA

Complaint narrative:
I have disputed the listed inquiries on several occasions, recently back in XXXX of 2020. I have not opened any such accounts with the listed inquiries. Please review and dispute on my behalf, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I called in XXXX of 2020 to get my name removed as auth user on this account and was insureds it was done and then also in XX/XX/2020 and was told that it was no longer on there but it is still showing

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had an account in 2018 that was paid in full Never late and Discover did a fantastic job of helping to clear up an internal error that was giving me credit card decline. 

They finally approved me for a credit card with a XXXX limit after contacting both you and Discover. 

Recently I have applied for a loan wanting to consolidate maybe XXXX or so that I have an outstanding debt due to Covid and Discover gave me yet again that old reason for declaration prior or existing accounts etc. Letter enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have an account with Chase. On XX/XX/2020 they marked a transaction done with XXXX XXXX as fraud, restricted my account and froze my funds. On XX/XX/2020, they removed the funds in question but I still didnt have access to my remaining balance. They said they would send me a check in the mail but never did. 

It has been over 3 months now and they still havent released my funds. They have avoided all my inquiries thru the phone and at the branch. They have even hung up the phone on me as they did today at XXXX XXXX CT. I am a patient and comprehensive person but this is just too much, specially during these hard times. 

I would appreciate if you could help me get my funds back as I had all my money with them and have fallen behind on paying my bills on time as I was accustomed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: NC

Complaint narrative:
My payday is Friday and they took the money on Thursday and caused overdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/24 a transaction hit our business account for {$7200.00} from XXXX XXXX XXXX XXXX. We called the bank ( Wells Fargo ) within 30 minutes to claim fraud. They said it could take up to 10 days to investigate, but did not credit us in the meantime leaving us stranded out of state with no way to get home and had to sleep in the car with my XXXX  and dog. The card was shut off in XXXX, but without knowing the card was used 2 days prior to being shut off at a XXXX for a rental car and XXXX  put a hold on the card. The card has my name on it, but XXXX  did not contact me nor get my authority to run my card. I did not rent the vehicle nor was I in XXXX where the car was rented. XXXX got the name and social security of the guy who used my card, but ran my debit card. XXXX had to hire a private investigator to find the car because the guy did not return it. We filed a police report because the guy used our card and basically stole the vehicle. XXXX tried to charge another $ XXXX but the bank caught it and declined it as fraud, but still holds us responsible for the first transaction that we did not make for the {$7200.00}. Wells Fargo also decided to charge us overdraft fees for transactions for purchases we made 1-3 days prior to the bank being overdrawn by the XXXX transaction because they wanted to take all the money they could for the big transaction. I don't know how they can charge you overdraft fees for purchases you clearly made when you had money in your account. We went in person to Wells Fargo again to try to get them to fix this fraudulent issue, but again said it would take up to 10 days and they will investigate. They have done nothing and now it's been almost a month since we have been dealing with this issue with zero hopes that it will be fixed. I should not be held responsible for a transaction I did not make and budget did not have the authority to use my card with my name on it without my permission or even getting a copy of my driver license to make sure it was a legitimate purchase.

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 2020-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
On XX/XX/XXXX, National Account Systems placed a collection account on my credit file. National Account Systems failed to notify me of this debt and my right to dispute/validate the debt. On XX/XX/XXXX, I disputed this debt and requested validation with written notice. In this letter, I also notified them of their violation of the FDCPA, FCRA, and the Texas Finance Code. I did not receive a response. 

On XX/XX/XXXX, I sent another written notice advising them they were still in violation of the FDCPA, FCRA, and now the Bankruptcy protections that prohibit ANY form of debt collection to include credit reporting which is a form of debt collection during the bankruptcy stay. This request was also ignored. 

Over a year later, NAS continues to report this invalid debt to my credit file with the status that it is included in bankruptcy ; however, the bankruptcy courts have this debt as " disputed '' because they failed to validate the debt when requested.

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 2020-11-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2020, WF CRD SVC add a  hard inquiry on my credit report per XXXX. 
On XX/XX/2020, WF CRD SVC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per 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 2020-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CAPITALONE add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells fargo lost my wallet seen old man watching ne didnt think nothing about it then lost wallet next day I have a XXXX withdraw that didnt fo now my pin is on my another card but in the numbers it's not written down they even stated that even though it wasnt me that took the money they got my pin right first time probley cause dude wat had me now they will not give me my money back and I'm out XXXX wells fargo XXXX I want even at the bank that day so this is wrong and I shouldnt ne held accountable

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 I called JP Morgan Chase to request a credit limit increase for my Chase Freedom Credit cars. The representative entered my request inform credit analyst will review within 10 business days. 

On XX/XX/2020 Application for credit limit increase was reviewed within a short amount of time ; however, I received a denial letter providing inaccurate/problematic reasons. My credit score is superb, yet denial letter listed the following reasons below : -Length of time since oldest credit card was opened is too short -Total available credit on credit cards is too low -Number of recent inquiries on credit bureau report -One or more Chase cards has low available credit *Notice that the date calculated shown on denial letter is XX/XX/2020 rather than XX/XX/2020. Another flaw to consider. 

XXXX I contacted Chase reconsideration line to review. The representative then put in an application. After 30 minutes of speaking with the representative ( with her filling out the application ), the call disconnected and I received no callback. I called the line again at XXXX and new representative informed that the application was entered, despite me knowing it was confirmed. After expressing my frustration the representative informed me the application for reconsideration was denied again this time with only one reason, which was completely different from what was listed in the denial letter for credit limit increase. The representative stated : We show your application was denied due to having multiple credit accounts open. 

This very well is a lack of incompetency in both customer service, financial integrity, and fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: VW Credit
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. My bill was processed under the name XXXX XXXX ( one word ). My name prior to marriage was XXXX [ XXXX XXXX ]. 

On XX/XX/XXXX I had a car accident in which I was not at fault. I was assured by XXXX XXXX  ( both my insurance company and person-at-faults insurance company ) that all expenses would be covered by the other partys insurance policy. 

A bill was never sent to me and I discovered a collection debt of {$900.00} ( before interest ) while checking my credit score. This was the sequence of events that took place. 

XX/XX/XXXX - Collection Filed Without Knowledge XX/XX/XXXX - I discovered the debt on XXXX. 

XX/XX/XXXX - I called the collections company Wakefield & Associates to ask them to provide a bill. I provided my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and they agreed to send a bill. 

A few days later I spoke to XXXX XXXX and they re-assured me that they will take care of the bill once I present it. 

I waited 45 days and never received a bill. 

XX/XX/XXXX - I called Wakefield & Associates and told them I have not received their bill. The man I spoke to was XXXX. He was abusive and rude and refused to send a bill, claiming he had already sent it and he was not going to send another. He said the only way to fix this is to pay by phone right now and he demanded my debit card information. I didnt want to pay because this bill is in error and I have still yet to receive it. 

On XX/XX/XXXX, I spoke to the company that handles the billing for the hospital and they agreed to send the original bill ( prior to collection ). 

They sent me a bill that has the description of the charges which total {$900.00} but the amount owed shows XXXX, since it has already been sold to Wakefield & Associates. 

Here is all the info from that bill : Physician group : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Location : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Primary Insurance : XXXX XXXX XXXX Account # XXXX XXXX Tax ID # XXXX - XXXX XXXX is responsible for paying this collection debt to Wakefield & Associates, not me. XXXX has already agreed to pay but I have not been able to obtain any information from the collection company to follow through with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I ordered one credit report on TransUnion website on XX/XX/2020, at the price of XXXX. 

I didnt know I was subscribed to their service and was charged {$27.00} monthly for 11 months. During this eleven months, Ive never received any receipt or invoice for their monthly charge. It is very unfair for TransUnion to charge me monthly without notifying me, while it looked it was a one-time charge when I purchase the 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 monetary relief
Consumer complaint received 2020-11-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been having trouble viewing my information on Experian for the past few days. When logging into the website, I get an error message stating the password is incorrect. After changing it then logging in a few days later with the new password I get the error message again. I'm unable to get in touch with anyone from customer service and hearing that other consumers are having the same issue, I'm beginning to think Experian has been hacked. I appreciate you looking into this matter. 

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 2020-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX

Complaint narrative:
I have an account with HHLoans with the Texas Higher Education Coordinating Board. 
The most recent student loan payment of {$1500.00} was withdrawn from my savings account on XXXX but my student loan account only shows a payment of {$400.00} that was received on the same day. The actual loan price decrease on both interest and principal was {$210.00} ( of which {$170.00} was interest and {$40.00} was principal paid on Loan ID XXXX ). This leaves {$180.00} unaccounted for when compared to the {$400.00} amount shown as paid according to the portal and {$1300.00} unaccounted for according to the amount that was withdrawn from my savings account though ACH enrollment on XX/XX/XXXX. I sent the THECB an email addressing their transgressions and five days after the original transaction, a second payment of {$1100.00} was shown to have been processed on XX/XX/XXXX ( and listed BEFORE the {$400.00} amount ) which is a complete lie. Besides the last minute transaction, there is still money unaccounted for and they are not addressing the issue. Their email responses are completely irrelevant that don't address my concerns and they don't have a working phone number. I also have no say in where my money goes in excess of the minimum monthly payment despite the ACH payment system.

Company response to consumer: Closed with explanation