vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My pay was reduced as a result of the COVID-19 pandemic. On XX/XX/XXXX, I tried calling Wells Fargo to see about a 2-3 month payment deferment ( Moving payments to the end of my loan and extending my maturity date ). I could not reach a person on the phone, so I clicked the " COVID Payment Relief '' option on their website. I messaged their online system that I would like a 2 or 3 month payment deferment. I never received a response and my payments were not pulled via AutoPay, so I assumed they processed my request. I tried calling in XXXX but no response so I clicked the message option again to see if they processed my request and not response. 
I then received a Past Due notice in XXXX. I called and was told to disregard the letter and that they put me in a 6 month " Forbearance Plan ''. I then logged a complaint that I did not want this and asked if I would owe all payments at the end of the Forbearance. I was told no. I told them I've read articles that they have placed people in these plans without their permission and it's not okay. 

In XXXX I received a call from the Executive Complaint teams stating I owe them {$17000.00} in XXXX or they will report me to the Bureaus as delinquent. These are Unfair and Deceptive acts and Practices. They did this without my permission and now state I don't even qualify for a deferment due to my Originator being XXXX XXXX. I asked for a deferment and was placed into a plan designed to make people default instead of assisting them through hard times. They told me there is no record of my Online Messages, where I requested a Deferment. This can not be true. Had they explained this to me before placing me in Forbearance, I would have never accepted it.

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 2020-09-07 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Citbank closed my account 2 years ago this XXXX, without my knowledge. I received a " Notice of account closure '' email on XX/XX/2018 that my account had been closed due to 2 returned payments in 6 months. 

However, I had already called Citi and explain that my sister had recently moved out of my parents house and when she changed her address with USPS she selected to move the whole family which was sent to the CC company and my bank. I had no idea this was done and when I called originally, the bank ( XXXX ) told me they stopped the payment, not due to lack of funds but due to a fraud risk after she changed the address. I was on the phone with XXXX XXXX for hours to make sure everything was fixed. Unfortunately, there was one area they forgot to secure that the account was good again, but I only learned that when I went to make my payment for the CC again. I had XXXX and Citi bank on the phone together at the same time and XXXX explained the situation. 

The Citi representative sent the situation to management but they declined to reinstate my card. I went around and around with Citi and XXXX just to be told I was no longer allowed to have a card with Citi. This was my largest credit card ( I was approved for up to {$25000.00} ) and they closed it on me so I was unable to get another card for anywhere near that amount. I waited a year to reapply for the card and decline again because of my previous situation. 

I have been unable to get a CC approved for such an amount since this event. Regardless of my attempts to provide documentation from the bank, USPS, etc. showing Citi Bank that this was a mistake that was not in my hands.

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 2020-09-07 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN

Complaint narrative:
We went into forbearance with our mortgage through Bayview, in XXXX, due to covid. After receiving the stimulus money we paid our mortgage for XXXX and XXXX in XXXX. Bayview is reporting us late for XXXX and XXXX which is incorrect. We asked them to fix it and they deny that theyve reported it late. We then placed a complaint with XXXX  and they said Bayview reported us late!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-07 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: MS

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a dispute with XXXX XXXX, Equifax, XXXX  and XXXX   involving a public record that is incorrectly reporting on my credit report. It is a Bankruptcy filing showing the " assets and liabilities '' sections inaccuralety. They are required by law ( FCRA ) to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and then sent me some canned letter that told me what they are " supposed '' to do. I don't care about what you are " supposed '' to do, I want to know exactly what they " actually '' did. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS and I attached proof of this. I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of XXXX XXXX, Equifax, XXXX  and XXXX  refusal to investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted Transunion on multiple occasions to discuss my dispute far as my bankruptcy. It has been on multiple occasion, where I have been lied to. I first reached out to Transunion on XX/XX/XXXX by a way of mail, to let them know that the reporting of my Bankruptcy is showing incorrect. Then they sent me a letter back stating that it came back verified and that they updated information. I was confused on how it can be verified so quickly as courts were starting to close due to Covid-19. I began to wonder if that had even contacted the bankruptcy court to begin with. 

So, I questioned Transunion and their validity to see if they even began to do their due diligence to contact the Bankruptcy court. So, I asked them how they verified this, who did they contact and how they contacted them. They told me that they did not verify it. I was in complete shock when I found out this as this could be a violation of the Fair credit reporting act. They told me that a third party by the name of XXXX XXXX has done it. I was still shocked to know they did not do a throughout investigation and then marked my bankruptcy as verified. 

So, I contacted XXXX XXXX to discover how they verified the information and did they follow the rules Transunion was supposed to follow. They then sent me a letter in the mail stating that the information they received was verified through the bankruptcy court in Tennessee. I was shocked that Tennessee court did such a thing, so I contacted Tennessee bankruptcy court along with the bankruptcy court of Illinois. 

I reached out to both courts to discover that Transunion and XXXX XXXX had been lying to me this entire time! The letters that I received back from both courthouses clearly shows a violation for both entities. The letters clearly state they did not provide nor verify information with these entities. Along with how these courts do not provide any information at all to the bureaus. When I had a phone conversation with the Clerk she expressed how she felt that these companies continue to fib to the American people ; and also Tennessee does not have my information on me because its not the state I filed with. She was so flabbergasted they did this because she could not even look me up in her system. All of which is a violation of the FCRA and is dishonest way for a major bureau such as itself to act.

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 2020-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a Wells Fargo Home Mortgage customer who is way behind in my mortgage. I am a XXXX XXXX who was on XXXX XXXX and got off with active still behind. Last year I reached out to Wells Fargo and asked for a modification that was granted. My last payment of my 3 trial payment was in XXXX when I lost 2 staff members as a result of COVID concerns. I could not get to my back to make a deposit for that final payment. I called my Preservation Specialist several times and left messages to inform the bank of my situation and no one returned my call. My modification documents were signed also in XXXX but in XXXX I was notified it was denied because I missed the final payment. I called an pleaded for another chance because I needed to keep my home. I received notification when I logged into my account that it was approved and a new preservation specialist would contact me but immediately after that I was notified the loan was placed in forbearance which I never asked for. I have called several times but was told I have to wait until my forbearance period expire as my request was denied and the loan will be moved to foreclosure. I have had to pass up on military missions because I can not leave my children at home with possible foreclosure hanging over our head. I can pay my mortgage as I am on track with my finances. I need some help as I can not lose my safety net for my children as I also have a XXXX child. I need so one to mediate on my behalf with my modification request to Wells Fargo Home Mortgage. I am employed with no change in my employment status now or in the future. I am still getting emails from Wells Fargo in regards to a decision on my mortgage but I am fearful the intent is to foreclose on my home

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 2020-09-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'VE BEEN IN CONTACT WITH THE EXTENDED SPECIAL SERVICES FRAUD DEPARTMENT WITH EXPERIAN AND SHOWED THEM PROOF WITH A POLICE REPORT, COURT DOCUMENTS, FTC REPORT AND XXXX  FROM THE PERSON WHO STOLE MY PERSONAL INFORMATION. EXPERIAN STILL WANT TAKE THIS LOAN OFF THAT IS FRAUD, BUT THEY REMOVED THE INQUIRE THAT OPENED THIS LOAN AS FRAUD AND BLOCKED IT AND REMOVED IT AND PUT A FRAUD ALERT ON MY CREDIT FILE. THE OTHER 2 CREDIT BUREAUS REMOVED THOSE ACCOUNTS AND BLOCKED IT. BUT NOTHING I SHOW EXPERIAN FRAUD DEPARTMENT IS NEVER OOD ENOUGH. IM XXXX AND RETIRED XXXX XXXX  IN NC FOR OVER 28 YEARS AND I'VE NEVER SEEN BANKS AND CREDIT BUREAUS ACT THE WAY THEY ACT. I WANT THIS ACCOUNT REMOVED ASAP PLEASE OR I'LL HAVE NOT CHOICE TO FILE PAPERS UNDER THE FAIR CREDIT ACT, BECAUSE I STILL HAVE NEVER RECEIVED ANYTHING CONCERNING THIS LOAN EXCEPT HEAR SAY FROM EXPERAIN AND XXXX XXXX. PLUS THE ACCOUNT WAS OPENED UNDER A FRAUD ADDRESS IN SOUTH CAROLINA AND EXPERIAN DID REMOVE THAT ADDRESS AS FRAUD BUT THAT WAS THE ONLY ACCOUNT ON MY EXPERIAN CREDIT FILE ATTACHED TO THAT FRAUD ADDRESS, SO WHY WOULD THEY REMOVE THE ACCOUNT. PLEASE REMOVE

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 2020-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Due to the Covid pandemic, PNC and other banks were offering a 90 day forbearance, with the possibility to extend up to 180 days. On XX/XX/XXXX, due to the fact I was not working, and collecting unemployment, I applied for the 3 month forbearance. The girl I spoke to on the phone told me to fill out the online application, which I did. They were supposed to send you a confirmation in the mail which I never received. I called to see what was going on with my application on XX/XX/XXXX, and spoke to XXXX XXXX, and he said he was reapplying for me, and going to route it to the people that will take care of it, and to call back to make sure. When I called back, I spoke to XXXX who told me it was still processing, and she will put in for 2 more months for me. That would be 5 months up until XXXX, and I told her that would be good because I may be going back to work in XXXX. It was very clear on that phone conversation that's when it was for. I got late bills, and when I called the line of credit department, they submitted a complaint. The woman in the complaint department said it was only for 1 month in XXXX that I was offered, which is not true. It's even online for 90 days, and I'm sure 90 days was the law. When I asked to listen to my phone conversations, she said I couldn't. Now I am 2 months late, with another payment due this month, and I still am out of work. I do not understand why they keep telling me it was for 1 month, when I applied for 3 in the very beginning. I was told that on the very first day I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged {$27.00} for a returned check fee on my closed credit card account. They explained that they had sent me blank checks and someone had tried to cash one. I explained that I had received no checks and I certainly didnt try to cash one.I called after receiving the statement and spoke with XXXX ID # XXXX. He said someone would call or email and they didnt. I called again XX/XX/XXXX. Spoke with XXXX. I sent a written response following the statement instructions. Called XXXX. They removed an Additional late charge of {$27.00}. Said the {$27.00} was being investigated. Now I received a statement saying I owe {$56.00}. This is for Barclays XXXX  XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, CA 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 2020-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-09-07 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: NC

Complaint narrative:
The following fraudulent accounts are still appearing on my Equifax credit profile : ( no name ) Account number XXXX {$92.00} ( no name ) Account number XXXX {$83.00} ( no name ) Account number XXXX {$58.00} ( no name ) Account number XXXX {$0.00} ( no name ) Account number XXXX {$0.00} I disputed these accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 The fraudulent accounts are still on my Equifax profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'VE BEEN IN CONTACT WITH THE EXTENDED SPECIAL SERVICES FRAUD DEPARTMENT WITH EXPERIAN AND SHOWED THEM PROOF WITH A POLICE REPORT, COURT DOCUMENTS, FTC REPORT AND ARREST FROM THE PERSON WHO STOLE MY PERSONAL INFORMATION. EXPERIAN STILL WANT TAKE THIS LOAN OFF THAT IS FRAUD, BUT THEY REMOVED THE INQUIRE THAT OPENED THIS LOAN AS FRAUD AND BLOCKED IT AND REMOVED IT AND PUT A FRAUD ALERT ON MY CREDIT FILE. THE OTHER 2 CREDIT BUREAUS REMOVED THOSE ACCOUNTS AND BLOCKED IT. BUT NOTHING I SHOW EXPERIAN FRAUD DEPARTMENT IS NEVER OOD ENOUGH. IM XXXX AND RETIRED XXXX XXXX  IN NC FOR OVER 28 YEARS AND I'VE NEVER SEEN BANKS AND CREDIT BUREAUS ACT THE WAY THEY ACT. I WANT THIS ACCOUNT REMOVED ASAP PLEASE OR I'LL HAVE NOT CHOICE TO FILE PAPERS UNDER THE FAIR CREDIT ACT, BECAUSE I STILL HAVE NEVER RECEIVED ANYTHING CONCERNING THIS LOAN EXCEPT HEAR SAY FROM EXPERAIN AND XXXX XXXX. PLUS THE ACCOUNT WAS OPENED UNDER A FRAUD ADDRESS IN SOUTH CAROLINA AND EXPERIAN DID REMOVE THAT ADDRESS AS FRAUD BUT THAT WAS THE ONLY ACCOUNT ON MY EXPERIAN CREDIT FILE ATTACHED TO THAT FRAUD ADDRESS, SO WHY WOULD THEY REMOVE THE ACCOUNT. PLEASE REMOVE

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 2020-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Originally disputed with the company on XX/XX/2020. 
Experian received my disputes XX/XX/2020 according to my certified mail receipt. 
Received several notices on XX/XX/2020, XX/XX/2020, and XX/XX/2020 stating that the accounts were accurate. 

Responded to company on XX/XX/2020 requesting a reinvestigation and method of verification. 
Company received my response XX/XX/2020 according to my certified mail receipt. 
Company responded XX/XX/2020 without providing method of verification. 

Responded to company XX/XX/2020. 
Company responded XX/XX/2020 stating accounts have been verified once again without sending the procedures used to verify the accounts. 
It is now XX/XX/2020 and I have still not received the methods of verifications used from the company. 

According to the FCRA the consumer has the right to request the procedure used to verify accounts and the company has 30 business days to respond with that information. I have not gotten a proper response from the 2 last times I have requested method of  verification.

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 2020-09-07 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation