vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I am reaching out in hopes that someone who is reading this can try and help me in my unique situation. I am stuck in a hard spot where my ex-husband is required to sign a paper that the lender is requesting but I cant provide it because of the toxic relationship between my ex-husband and I. 

My lender is requesting a quitclaim document after they previously approved me for a modification and trial payments using only the income information I provided on my behalf. I am officially divorced from my ex-husband and have an official decree, but they are still demanding the document. My ex-husband and I have a non-existent relationship ; I am the sole provider and have been paying for the home since our divorce without any help from him. He hates me and has previously tried to cancel my plans for a loan modification. Again, I was previously approved for trial payments and a modification with just my information, but now they are still demanding the documents even though I have explained the situation. For example, I spoke with XXXX XXXX of Wells Fargo home loan department on XX/XX/2019 and he informed me that I could accept the trial modification, which I did, and that I did not need to do anything else at that time except formally accept the trial modification. Then on XX/XX/2019 I received a request for a quit claim document and divorce decree signed by my ex-husband, who has not been involved with this process at all.

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 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I had money deposited into my account. I did a transfer to another account I was charged a fee. Deposit of a check made on XX/XX/19, check deposited at another bank they did not cover although the money was there, another fee. My local branch did not help. I called service they tried to help. So today, I went to the local branch to close my accounts, and tell them my concerns. Poor service, racial profiling, discrimination, and racism. I voiced my concerns about the poor service, my observations, and concerns about unfair, unjust, and erroneous charges. The entire time I was sitting down. I never used foul language, and no threats. She did not like my tone, and what I had to say which was only the truth. I am sitting down, closing my accounts, and she calls the police. The police! She had absolutely no reason to do that, no laws were broken. Why do XXXX people always call the cops on minorites! Why? They must like having minorites XXXX, and XXXX for no reason. I have more education, more degrees, and licenses than her. I would never jeopardize my name, or family. What she did was false, a false accusation. She had absolutely no reason to do that accept out of spite, vindictiveness, and plain evil!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: AZ

Complaint narrative:
I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of job loss, garnishment of wages, being sent to jail and prison, threats of violence and death from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX Debt Collection Representatives regarding fraudulent accounts that are not my accounts and do not belong to me. The accounts with the above creditors are all fraudulent accounts and not my accounts. Its extremely disturbing, repulsive and frightening that I am receiving death threats for accounts that are fraudulent and are not my accounts.This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. The above creditors are in serious violation of the Fair Debt Collection Practices 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 non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My Mortgage is not listed on my TransUnion Credit Report. I've tried unsuccessfully for the past two years to get this corrected. CFPB advised me to work with the FDIC so i contacted them for help. The FDIC investigated and confirmed teh issue was with Trans Union and advised me to contact CFPB for help with Trans Union who has refused to correct my 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 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Total Card, Inc.
State: AZ

Complaint narrative:
I keep receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, threats of violence and death from Total Card, Inc. Debt Collection Representatives for a debt and fraudulent XXXX XXXX XXXX credit card account I never applied for and thats not my account. I never applied for or received a XXXX XXXX XXXX credit card. The account is fraudulent and not my account. Its extremely disturbing, disgusting and frightening to be receiving telephone calls of profane language, threats of violence and death from Total Card, Inc. Debt Collection Representatives. I am in total fear of my life. Total Card , Inc., is in major and serious violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed the following complaint twice with Kohl 's and received the same boiler plate refusal to take action. 

I have had an active Kohl 's account in good standing since 2000. 
I have never been late. 
I make infrequent purchases. 
I pay with the Kohl 's auto pay feature. 
Kohl 's cancelled my auto pay feature, but not my account. 
My payment was not automatically made because of Kohl 's action Kohl 's reported me as non-compliant. 
Kohl 's action caused my credit score to be negatively impacted. 
Kohl 's refuses to accept responsibility for their error that hurt my credit score. 

My account is now current. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I took out a loan in XX/XX/XXXX and paid it of in XX/XX/XXXX. It was reported as so for the following months.

Recently, I took out another loan with the company in XX/XX/XXXX. Suddenly, the old account began reporting as 60 days late. I contacted them and they fixed it, however, it is now reporting 30 days late from XX/XX/XXXX and XX/XX/XXXX. This is after for the past 9 months it has reported on-time. Why would my credit report on an account that was closed 3 months ago suddenly change???

I am in the middle of a refinance and this is very detrimental. I respectfully request that this account be updated to all payments on time, as has been reported every month until now - months after the account was closed. This is erroneous information and in contradiction to what has been previously reported.

Furthermore, this is at tribal loan company that should actually not be reporting to credit bureaus in my state at all.

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 2019-09-20 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Loan Science, LLC
State: MO

Complaint narrative:
I have 2 loans who were once with Loan Science. I have been on multiple repayment arrangements and each time I would set it up they would never actually take the money out of my account. I would wait for it to come out, try to get a hold of them to no avail and then they would call and harass anyone they could to try to get a payment. The loan has been sold so many times, it's impossible to track. I believe it's currently in default since there is no servicer that lasts longer than a couple months. I just received another letter again that the loans were sold yet again. I also received a letter in the mail stating it was discharged. I don't even know if I still owe the money legitimately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, AND BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDI AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft. I have contacted XXXX and Equifax to disputed the inquires, from fraud. Equifax concluded the same day I filed my complaint that the inquires were valid. This is not a true statement and how can they investigate so shortly. XXXX I have no luck with either. I reported this when I discovered the fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My XXXX report is showing three accounts with Bank of America - 2 closed and 1 appears to still be open. These are not my accounts. Attempts were made to contact Bank of America to report that the inaccuracy needs to be deleted. Unsuccessful attempts were made to these BofA phone numbers : ( XXXX ) XXXX & ( XXXX ) XXXX and I was unable to locate the appropriate address via an online search. In a XXXX Chat with BofA, I attempted to get the address so as to write and have the inaccurate information deleted but was informed that I must contact XXXX directly. Since BofA is a part owner of XXXX Im uncomfortable further trying to resolve this via XXXX and seek the help of CFPB.

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 2019-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft. I have contacted Transunion and XXXX to disputed the inquires, from fraud. XXXX   concluded the same day I filed my complaint that the inquires were valid. This is not a true statement and how can they investigate so shortly. Transunion I have no luck with either. I reported this when I discovered the fraudulent inquires.

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 2019-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This complaint concerns Bank of America 's unwillingness to compensate according to their " deposit and disclosures " agreement for debit card fraud of approx. {$XXXX}. 
I deactivated the card on XX/XX/XXXX of this year, and the only correspondence i've received from the bank are notices of the case being opened and closed. I've informed the bank that my attorney requires supporting documents, but I have to keep reordering them as they never arrive. Please note supporting documents to include police report, bank closure notices, and my original letter to Bank of America. 
I haven't enclosed the letter from myself to the law offices of XXXX XXXX  XXXX XXXX  XXXX, XXXXIn that letter I raised the question of how could I be in California and Noth Carolina at the same time as the charges are of that nature..

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 2019-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used bank of america mobile banking app on my XXXX XXXX to transfer money to someone ; Bank of America used a service called XXXX that I believed was a bank of america product but apparently this is a 3rd party product that bank of america uses to transfer money. 

The person i sent money to said she hasn't received the funds i transferred yet - I transferred funds from my checking account to the receiving party 's account on Monday / XX/XX/2019 and today is XX/XX/2019 and the funds haven't yet made it to the person i sent it to. 

I called bank of america and they have debited $ $ from my account on XX/XX/XXXX and today when i called bank of america their customer support wanted me to call XXXX customer support to enquire what happened. They claim the money was transferred but the other person 's bank is telling her that no money has been received by them. 

also, i dont think i ever opted in for this XXXX services and / or remember ever reading the terms and agreements that they claim i agreed to and open in to of my own free will. 

This is just highway robbery committed by bank of america and this 3rd party XXXX - also, {$250.00} can not just disappear into thin air - if the transaction wasn't completed, it should be refunded back into my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-21 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: DISCOVER BANK
State: AZ

Complaint narrative:
This is to dispute information listed on my XXXX XXXX XXXX ( XXXX ) Report ; I have no knowledge of the Discover account listed on the report. I believe that that account was possibly fraudulently opened in my name in 2016. The phone and email address listed are not mine. Attempts were made to contact Discover ( via XXXX XXXX ) to ask for the address so as to write to Discover directly but they were unable to supply the address so Im seeking help from CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: NM

Complaint narrative:
XX/XX/19 : I was contacted by XXXX XXXX of Ability Recovery Services at XXXX XXXX XXXX, XXXX, PA XXXX. In the first phone call, she said the call was from a debt collector and told me the call would be recorded. She told be an amount over {$600.00}, which was to my knowledge, above the initial creditors amount due. I asked about it to which she responded that this is the amount due. I told her Id call the creditor, to which she said they will just have me call her back and hung up. 

I called back on the same date XX/XX/19, and the call was immediately answered by her, and without anything else she said, XXXX I have to call you back Im taking a payment. And she hung up on me. 

She called me back a couple minutes later and did not identify herself as a debt collector and that the call was being recorded. She was extremely rude, told me if I had just paid in the first place, continued to raise her voice, and claimed I was making demands when I was asking for the business name and address. I kindly asked for a validation of debt, and she said I was using stalling techniques and trying to make me feel as if I was being unreasonable in my request to ask for debt validation. I asked for the address and name of the business and was provided the information. She then began to say you dont have to be such a ... and then I couldnt hear anything else. I said excuse me, what did you say? And she says oh Im still here. She attempted to verify my address and couldnt say it because, per XXXX, she doesnt speak Spanish and claimed I was picking on her when I said that she couldnt pronounce it and was going to offer to pronounce it for her.

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 2019-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: OR

Complaint narrative:
XX/XX/19 received a BRINKS Prepaid XXXX that I did NOT request. 

This credit card is real with my name on it and an activation sticker. 
I did not sign up for this card nor did I participate in a promotion that would include receiving a card. I'm concerned that someone might have gotten my personal information and is starting to use it for things like this. 

I did not contact this company because I do not want to confirm to them that I got the card. 

BRINKS Money XXXX XXXX XXXX XXXX, TX XXXX www.ActivateBrinks.com or XXXX www.BrinksPrepaidMastercard.com or 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