vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 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: OH

Complaint narrative:
Request deletion of account as information is not accurate per FCRA 611. Plus this is double " jeopardy ''. And the account does not have LAST DATE OF ACTIVITY. 

Please provide method of verification. 

XXXX  Report This is account is being reported twice on XXXX  as XXXX XXXX XXXX  Charge-Off # XXXX with balance {$0.00} and credit limit of {$400.00}. 

Then reporting again with XXXX XXXX XXXX # XXXX with a balance of {$1000.00}. 

TransUnion Report The account is being reported twice again, but as XXXX XXXX XXXX # XXXX with a balance of {$1000.00} Open in Collections, which is another violation of the FCRA.

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 2020-08-26 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX Capital One closed my personal credit card ending in XXXX that Ive had for almost 14 years and business credit card ending in XXXX that I had for about four months. Both accounts were closed without reasonable explanation. Prior to this my account was under review for fraud investigation and I was required to verify my identity, I submitted a copy of my drivers license as requested. Not long after a decision was made to close my accounts and I believe it was due to discrimination ( Race, age, gender ). On XX/XX/XXXX I spoke with several customer service agents who could not identify the reason my account was closed so they transferred me to the fraud department. I spoke to a manager who was rude and refused to explain to me the alleged violation that cause them to close my account, he told me that Id receive a letter explaining the reason and their decision was final. I asked to file a consumer complaint with someone above him and he directed me to the companys website and ended the call. I called back XXXX to ask again the reason why my accounts were closed because the letter did not give an explanation. I spoke with XXXX in customer service ID XXXX, she could not identify any violations so she transferred me to the fraud department. I spoke with XXXX ID XXXX, could not identify a reason and told me what the previous manager in her department said stands, this agent spoke over me when I asked about filing a consumer complaint and blind transferred me to XXXX ID # XXXX. XXXX told me that my account was closed due to activities that she could not disclose to me, I asked her to submit a complaint on my behalf and she directed me to the website, I advised that I could not locate an option to file a complaint and asked her for the address. After several minutes she returned and provided a XXXX XXXX  XXXX XXXX address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: PA

Complaint narrative:
I asked for one payment to be pushed to the end of my loan so Flagship Credit Acceptance LLC would stop calling my phone 5-6 times a day and my work 1-2 a day. I am always paying in the month in which I am due. Except once when I was a few days behind. Then I found out they were charging me a {$10.00} a day per diem, I feel like that is predatory lending. I pay my car note bi-weekly and I have my bank statements to back that up. I am being charge a {$40.00} late fee all of a sudden because I am paying bi-weekly even though I have been paying bi-weekly since the life of the loan. I have told Flagship since XX/XX/2020 I have impacted by covid-19 and my pay has been drastically reduced. 

Flagship told me NOT to email them because they received too many emails and they were overwhelmed. Then I thought to myself a couple months later I better email them so I have documented proof, so I did. I asked to put a payment on the end of my loan, they made me listen to a recording. then they said it has to be approved by their management and I have never heard another word about it. 

I am trying my best and I am not even a month behind. They harass me daily with excess calls to my personal phone and work and their fees are corrupt. I need help to get out of this loan and transfer to another servicer. I can not believe that XXXX XXXX would deal with a company like this.

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 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken pre-approved a mortgage to me for a home in XXXX on XX/XX/XXXX. As you can see from the letter, " the loan [ was ] formally underwritten and pre-approved subject only to receipt of a satisfactory appraisal, purchase contract and preliminary title report. '' We provided all documents timely to Quicken through our mortgage broker. Initially, we did not file our tax returns for XXXX, as I had submitted my business tax returns for XXXX. Quicken came back and said I actually needed to file my taxes in order to fund the loan, so we did. I owed an additional $ XXXX in XXXX taxes, and Quicken needed proof of payment plan which would take 60-90 days, so we paid out of pocket, in part using credit cards to meet this obligation rather than the lower interest IRS payment plan. 

We extended the loan contingency one week to allow enough time to pay the IRS and FTB, with a new date of XX/XX/XXXX. On XX/XX/XXXX, Quicken informed our broker that they could not fund our loan because the new home was over 75 miles away from my office and I had " travel expenses '' reflected in my XXXX taxes, which they concluded that meant that I couldn't be a remote worker. I drafted a letter of clarification ( the travel expenses were largely the result of two retreats and one pro bono week-long activity ) and Quicken still refused to fund the loan. This was the day our loan contingency was due to be terminated, and the first we had heard of this issue. 

They asked us to perform, and we jumped through hoops, and now we may lose the house because of their changing policies and inability to discuss issues at the onset of the process. They blamed COVID for the changing policy, but we were never informed that they could change policies after we accepted and performed at their request. This is unacceptable, they should not be able to provide assurances that we are underwritten and then pull the rug out for such a silly reason ( BTW, I am XXXX and I work remotely ). I would not have put an offer on the house if I knew that I wasn't really underwritten. This is deceptive. Now that we have already put our 30 days at our rental, we are stuck-and the other lender that our broker identified has a much higher interest rate and we would not have acted pursuant to these terms, but now we have no other choice. Quicken should honor their promises, especially when we already accepted and performed at their request and their assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
i don't remember the day my credit card was lock to do fraud / Around XX/XX/2020. since then i call them several time. the last time i had to send them picture of my Driver license front and back. that was about a month ago. an Capital one has send me a new credit card. i went to use it and it was decline. Well back in XXXX i add XXXX $ to the account but they still didn't. clear the fraud charge against it. what is XXXX I call today and first talk to XXXX id XXXX XXXX THEN I ASK HIM TO TALK TO HIS SUPERIOR SO HE TRANSFER ME TO XXXX ID XXXX  XXXX AND He gave me the run around and said the fraud department did resolve the problem yet. since XXXX They have been give me the run around because i'm a senior citizen. They are just harassing me. i'm tired of it/ i'm XXXX years old and should have to put up with this. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Netspend Corporation
State: ME

Complaint narrative:
My account was locked. I sent in 5 documents that were o. The septuple list but they were not allowed by the company so I close to my account weighted the 10 to 14 business days called them as I still had not received a check and they advised me that they did not close my account I have been waiting more than 5 weeks to get my money from Netspend. They are completely unprofessional and do not help when I ask to speak to a manager.

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 2020-08-26 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: CA

Complaint narrative:
I'VE BEEN DISPUTING THESE ACCOUNTS FOR A FEW MONTHS NOW AND THEY STILL APPEAR ON 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 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I begin refi process with Wells Fargo ( WF ), my bank of three decades ( with whom I've had a home mortgage for seven years ) XX/XX/XXXX At the counsel of my WF refi consultant XXXX XXXX, I called WF to take my mortgage out of COVID forbearance ( which WF offered for XXXX XXXX ). The WF consultant I talked to on a recorded line says I can simply roll those back three months into the refi ( FALSE ). She does not explain the consequences of so doing, nor does she follow up with a yes/no question to ask if that's explicitly what I want. After the call, she inputs a code that puts my loan into deferral. 
XX/XX/XXXX Finalizing my WF refi, XXXX XXXX certifies that my mortgage is officially out of forbearance, but advises me -- contrary to what I was told on XX/XX/XXXX -- that I have to pay up those three past  COVID forbearance months because they can not be " rolled into '' the refi. I do so, online, immediately. 
XX/XX/XXXX My refi is denied by WF, due to the " deferral '' code wrongly entered on XX/XX/XXXX ( obviously this was an error -- I would not have willingly chosen a deferral, WF knew I wanted to refi ) XX/XX/XXXX Now begins my official complaint process, to the Office of Executive Complaints, the highest escalation of a WF complaint, case # XXXX. Here are the consequences for me : a ) Although heretofore I have had excellent credit ( XXXX ), I am unable now to refinance with ANY company, as one of my " creditors '' is WF, who says I am in deferral 2 ) The three months of back mortgage payments I made on XX/XX/XXXX have now gone into " suspension '' -- they have not been applied to my mortgage -- in fact since paying them my principal has GONE UP 3 ) This is all due to a " coding error '' WF admits  they themselves made on XX/XX/XXXX 4 ) While I email and call the Office of Executive Complaints every few days, because I am now unclear exactly where my XXXX mortgage stands, as of today, XX/XX/XXXX, I am told the matter is " still being researched, '' with no specific date given as to exactly when this coding error will be corrected. 
XX/XX/XXXX Today : Bottom line -- WF has to take my mortgage out of deferral ASAP and clear my credit so I can complete my refi, either with XXXX XXXX at WF, or elsewhere. Being told " no one is available '' to talk to me on the phone, or that the matter is " still being researched, '' some 24 days AFTER I started the process is I believe actionable. 
Please advise as to next steps. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : BULL CITY FINANCIAL SOLUTIONS- # # # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX # # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX XXXX # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX XXXX XXXX # # XXXX, XXXX XXXXXXXX XXXX # # # XXXX XXXX # XXXX, XXXX XXXX # # # # XXXX # XXXX, XXXX XXXX XXXX XXXX # # # XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I've been with American Express for many years and have always experienced great customer service up until this year. I don't know if they've changed their model or staff but I have never received such poor service from a top credit card company. I have a business and a personal credit card with them. My personal account is paid off and closed but I still have a balance on the business account. I reached out to ask to American Express to find out if there were any programs I could take as of the lower the interest and min due. At that time they enrolled me into what they call a long term payment plan paying {$520.00} a month. This is still a big payment but I was managing to make it monthly until COVID-19 hit our business. Like many people we went from making money to making nothing in the matter of weeks. I immediately reached out to American Express to see if they were doing anything to assist individuals who had been impacted. I was told that I would not be required to make a monthly payment for 2 months. I was so relieved at that time to know they were going to work with me. In XXXX I started back making payments but started getting collection calls. I was told the account was past due by two months. The payments that I was told not to make I was now being penalized. Not only did they start calling each day trying to collect on a debt but everytime I tried to speak with a supervisor they weren't available. I literally spent hours on this account right now it's still showing past due I still am not working. The practices that American Express took during covid were not helpful and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
My mortgage company sold my mortgage to Mr. Copper and I've been having problems every month. I mail in or pay my mortgage on line. I'm receiving letters saying they did not received my payment but when i check my account its paid. I have two mortgages both sold to Mr.Copper. When I sent a payments in XXXX they added to the wrong account and charge late fees to my account.I received a letter stating they made the adjustment but it has not been cleared either. I made a payment in XXXX, they claim they did not receive the payment. I check with the Postal Service and the check was cash XX/XX/XXXX after I had sent a replacement check. I stop payment on the replacement check and they added a fee to my account for a dishonored check. I've made all my payments and I'm receiving letters stating my loan is pass due, and they will report to credit reporting agencies, and I could face foreclosure. I never enter into a mortgage with this company my mortgage was sold to them and its been a mess from day one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: NV

Complaint narrative:
On XX/XX/2020 I sent out a method of verification letter to Experian asking them to verify how the investigated my dispute with XXXX. The sent a generic form of how they SHOULD do investigations but now how they specifically investigated mine. The did not show the course they took or how they went about handling it with XXXX. I sent over proof that XXXX had me in forbearance in XXXX with an IBR and  also school enrollment these years and letters from XXXX showing forbearance dates but is inaccurately reporting late payments on my credit report. XXXX originally sent me 22 pages of my forbearance approvals in my inbox on their system and then deleted all but 6 pages so I would not have proof, thankfully I screen shoot those images and I sent those items to Experian along with my school enrollment and yet they still verified the late payments were accurate with an E-Oscar method which is not a valid way to verify debt. I request that since Experian could not verify the method of verification on MY account they remove all late payments from all 13 of my student loans that I have originally 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 2020-08-26 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Net credit is reporting in correct information on my report and I have disputed several times, reached out to them by email several times. This is what you are falsely reporting. 
The updated balance, paid off amount, balance, status saying past due 180 days, the late payments. They are reporting the payments as not current and the current payments, are current. This account has been agreed to settle. I have been disputing for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: LA

Complaint narrative:
Someone has stolen my identity. Back in 2011 someone got a hold of my wallet at local bar for the last 9 years I have had bank accounts, credit cards, etc in my name that I did not agree with nor known anything about

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