vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
THIS IS NOT A DUPLICATE I was helping my client verify her XXXX as she was asked my someone from XXXX the number she called was on her tv screen? her and I share XXXX so I agreed to help her assuming it was as XXXX member! As you can see on the XXXX and XXXX XXXX attempts it says verification limit for the same amount that was attempted to be taken from XXXX and XXXX, then eventually taken from XXXX from me! They did try other amounts as well! They hacked my phone by asking me to download XXXX XXXX XXXX ( which Ive also shown in the picture uploads on 4-6 ) and got into my bank account and took all my money from XXXX, which I had never used before! I have proof of calls from her phone and mine! 
Her and I have the same phone company and same bank! 
I have copies of everything that happened on XXXX. 
My client I was trying to help was also scammed on XXXX XXXX, but was given her {$800.00} back on XXXX, the same day they took mine from my bank app! 
They tried XXXX, XXXX XXXX and finally was able to access my Bank of America app and there whats where they took my {$1300.00}! 
I did not send {$1300.00} willingly to these people! {$1200.00} to be exact! 
But as I stated my client that drug me into this was given her money back! And I was not! 
I have phone records from my clients account and mine on the same day, same numbers that were the scammers! 
Later I found out my client was being threatened by these scammers to contact someone else to get her {$800.00} back, so she called me and multiple others which I also have proof of! Also I added the text from her and I that day where she was frantically asking me to answer these calls! All along she knew they were trying to scan her! But I did not! I was only trying to help her VERIFY her XXXX! 
This was not legal or right at all! This was fraud and unacceptable! Please help me get my money back! Im a single mom and 2 months behind on rent due to this. Anyone can look at my account and see this is not normal! And Ive been struggling since! These scammers took everything I had! Please reconsider my claim! Thank you! 
XXXX XXXX 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 2021-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX of XXXX : XXXX XXXX XXXX, VIN # XXXX was purchased from XXXX XXXX in XXXX, California. The vehicle was financed with Fifth Thirds Bank with co-borrowers. XXXX of XXXX : requested a payoff amount and paid off the loan. Title for the vehicle was issued to the co-borrowers jointly. XXXX of XXXX : Title was changed to the primary owner/driver of the vehicle. XXXX of XXXX : Fifth Thirds Bank alleged that the loan was not paid off and that the co-borrowers were in default of the loan. No contact or other demand for payment had been made with or to either borrower between XXXX of XXXX and XXXX of XXXX. Correspondence from Fifth Thirds Bank reflects no late charges or other fees for non-payment were assessed between XX/XX/XXXX, and XX/XX/XXXX. Bank began calling elderly co-borrower every other day at all hours of the day. Co-borrowers demanded supporting documentation regarding the alleged remaining amount of the loan and were not provided with any substantive supporting information. Borrowers offered to pay any balance upon receipt of substantive supporting information. XXXX of XXXX : Two 1099-C Cancellation of Debt forms were issued to the co-borrowers for the alleged remaining amount of the debt. Furthermore, the bank is reporting the debt as canceled and the account delinquent. Attempts to resolve the credit reporting through the dispute process have been unsuccessful. The Bank offered a solution in a prior complaint that was accepted on XX/XX/XXXX and the payoff amount of {$3600.00} was confirmed by XXXX XXXX along with promises of additional documentation from the loan file. However, they are now refusing to honor that confirmed amount to remove the issue from the credit report, are attempting to collect additional funds over the confirmed amount, and will not return attempts to contact them to resolve the complaint or to provide the additional documentation that was requested in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: WA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
There is an account with the wrong amount being reported I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: NJ

Complaint narrative:
Noticed an account on my report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: TX

Complaint narrative:
My debit card was cloned and therefore canceled. I requested a new one from my bank SOFI and its sponsor bank XXXX XXXX. It is unacceptable for an online bank with no brick and mortar branches to have a delivery estimated days for a meeting card of 7 to 10 business days. Additionally they are unable to do wire transfers. So not only I cant make purchases but I cant send money next day to my other financial institution. Given the fact that they are an online back they should have next day service for new debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
On XX/XX/21 I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 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 I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me. 
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report on XX/XX/2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value. 

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud. 

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Its hurting my Confidence and i am the natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent out a letter To Verify The Accuracy On my Credit Report on XX/XX/2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value.

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Its hurting my Confidence and i am the natural person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
Charles Schwab has denied me access to my checking and trading account with out no notification or reason why. I have called several times and nobody can tell me why i can not access my account. If I had an open position i would be bankrupt right now. I recieved no phone call or email notifying me why. They said they could not tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
On XX/XX/21 I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 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 I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me.

My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NV

Complaint narrative:
I refinanced my existing loan with Mutual of Omaha Mortgage in XXXX - they sent me a letter that they were transferring my mortgage effect XX/XX/2021. 

I had called them a couple times to verify this and because I was having an issue with an escrow payment. XXXX XXXX originally didn't have the correct amounts or escrow money and was told that XXXX would get the correct info on XX/XX/XXXX. 

I asked specifically if I should pay Mutual of Omaha for the XX/XX/XXXX payment and they said definitely not to wait till XXXX XXXX had the correct info and pay them. 

So I paid XXXX XXXX on XX/XX/XXXX. XXXX of XXXX took out an auto payment on XX/XX/XXXX as well, even though I had XXXX autopayments in early XXXX so this wouldn't happen, since it had just happened to me when the refinancing happened. 

I called on XX/XX/XXXX when I saw they had taken out the payment they shouldn't have. First the initial person, not sure of her name, said it was because they still had my loan. which I argued with because they had sent me a letter saying as f XX/XX/XXXX it belonged to XXXX XXXX and they had specific told me on the phone to pay XXXX XXXX not to pay them. She then gave me to a customer service supervisor, XXXX ( spelling? ) who said the same thing that they still had the loan which I argued with her again that I was told specifically not to pay them and that to pay XXXX, I then asked her why they took out my auto pay when I turned off auto pay on the website, she acknowledged that it said do not draft but didn't have an answer to why it was taken.. She said she would contact the drafting department to turn it off an issue me a refund, She said she would call in XXXX to 2 days to let me know the refund was coming. 

On XX/XX/XXXX I hadn't heard anything from her and called back. After explaining to the initial customer service rep I was again transferred to a customer service supervisor, XXXX was her name. After explaining this again to her she said that she saw my call from the second but that it didn't look like the original supervisor had done anything about it. She said she put in a request to cancel my auto draft and to send back my money. That typically they would just send it to the new servicer but since I paid the new servicer they would refund it to me. She said it takes 24hours for the drafting team to process the request and then 2-3 days from them to refund my money electronically. 

Now its the XXXX, I still have no written documentation that they took my money by mistake. I can still log onto Mutual of Omaha 's website and it still says that I have an active mortgage with them and still have automatic payments turned on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a home loan through Wells Fargo on XXXX and given a pre-approval based on my credit report and income to begin my home search. I found a house, put in a contract and began uploading documents through their portal as requested immediately. Many occassions the portal would say I needed to submit documents that I had already submitted yet I kept re-submitting. I was told there was glitch in the system. RARELY did I speak to anyone and when I needed to it was like pulling teeth to get a response. I paid {$610.00} for an appraisal on XXXX. The day I was supposed to get my disclosures WF started giving me more run around that my account was still with underwriting and that closing might be delayed. TWO DAYS before closing on XX/XX/21 I was sent an email stating WF would not be able to give me a loan due to " multiple late payments that required manual underwriting '' and they didn't provide that service. Knowing that was not the case I reached out to another lender - he told me WF totally dropped the ball and due to the type of loan I was trying to obtain, just needed to change the terms of my loan and add more money down. This was NEVER communicated to me let alone very poor communication throughout the entire 2 month process to begin with. I requested an appraisal release letter on XX/XX/21 to be sent to me by COB XX/XX/21. I still have yet to receive the appraisal release allowing my new lender to use the appraisal that I paid for. My new lender has emailed them stating this was urgent as well. I have been given the run around for 4 days now that " it has been escalated '' or it has been sent up the chain of command '' yet no one will actual take care of this very small and very little time consuming issues. I am more than frustrated with the lack of communication that WF gave to me, the client - a client who has automobiles, bank acct and other homes financed through them. I thought this would be a very easy process, but boy was I wrong. I am more than disappointed and frustrated. They have wasted my time and have cost me several thousands of dollars with flights, hotels, car rentals as well as the appraisal fee for a closing that never happened because they didn't want to communicate necessary changes to my loan terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC
State: LA

Complaint narrative:
XX/XX/XXXX : My student loans were paid in full by XXXX XXXX. Somehow, less than {$40.00} was appended as " Fees '' by the collections agency servicing the collection. No notice was provided about these " Fees ''. 

Additionally, the {$5200.00} Payment was not reflected on my credit reports. I have received ALL of the negative impacts, but none of the positives. 

Payment Effective Date : XX/XX/XXXX Payment Type : Treasury Offset Payment Amount : {$5500.00} Applied to Principal : {$4500.00} Applied to Interest : {$660.00} Applied to Fees & Charge : {$17.00} I have contacted studentaid.gov, Dept. of Education in general, XXXX and Reliant Capital Solutions. All have said " We can't see the balance when the payment was made. '' " We can't correct the error, contact ( one of the other entities ) ''.

studentaid.gov refused to provide me with a customer support phone number while I was in chat until I literally became irate, which the agent THEN decided to provide me the requested information and terminated the chat. 

In short, I've been robbed of my positive credit history and the ability to acquire a mortgage due to " Fees '' from a collection agency AFTER my student loans were paid in full by XXXX. The reported data is inaccurate due to lack of " Date of Last Account Activity '', and not showing the paid amount ... just that the balance was reduced. 

I would have paid the remaining balance, if I was ever notified about it. They had my physical address ... 

XXXX*EDIT : STUDENTAID.GOV SHOWS INTEREST RATE OF 0.00 %! HOW ARE YOU CHARGING ME INTEREST? ALSO SHOWS LAST PAYMENT IN XXXX! ARE YOU NOT REPORTING AT ALL?! **

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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