vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received an email on XX/XX/XXXX that my new credit card was being shipped to an address I was not familiar with and should arrived in 3 - 5 days. I had no prior contact regarding this action. 
When I called the individuals name was provided which was foreign to me. My credit card was cancelled and a new one is being issued. When I asked how they could issue a card without first contacting the principle account holder to confirm, I was told that if the full card information is available they will add the individual and send out the card. I asked if the last four digits of my social security number was provided since that is always requested of me. I did not get a direct answer. 
At my request, I was transferred to the Fraud Department who could add no further detail but did mention that the information is easy to obtain on the dark web. 
When I went to Florida in XXXX I conducted some business with the bank through my XXXX. The next day I got an email indicating my account had been accessed from a different device and that no action was necessary if it was me. 
I believe the policy that allows a credit card to be issued without checking with the principle account holder abets fraud. It is unimaginable that with the ease of acquiring personal information that this would be permitted. 
No financial loss occurred so the Sheriff 's Department closed the case but did establish a record. No answer as to whether or not the bank would initiate any action. 
The company is Wells Fargo. It begs the question as to whether or not representatives get a stipend for new cards issued.

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 2021-05-05 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: TX

Complaint narrative:
My records associated with the account WELLS FARGO do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment to WELLS FARGO but I did not receive what I asked and these violations persist 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 non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
Iv been trying to get caliber home loans to get my property taxes paid since XXXX. Iv contacted them every week since and they keep claiming they have been trying to contact the tax department for my parish. But I have no issues getting ahold to them. I pay a specific amount monthly to my escrow to cover my property taxes. If its not paid by XX/XX/2021 my property will go to the tax sale

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Crossroads Systems Inc.
State: SC

Complaint narrative:
XXXX Ppp loan with XXXX XXXX was sba approve a month ago signed documents and all money hasnt been transferred and cant get in contact with capital financial or XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent a letter to all 3 credit bureaus on XX/XX/XXXX demanding a reinvestigation I also attached my government ID, my son, and a bill with my address so they can identify me as well. these 3 credit bureaus are reporting in acute information on my report that should be removed immediately. 

I have filed a lawsuit against all 3 credit bureaus for negligence enablement of identity fraud and for violation of the Fair Credit Reporting 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 2021-05-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent a letter to all 3 credit bureaus on XX/XX/XXXX demanding a reinvestigation I also attached my government ID, my son, and a bill with my address so they can identify me as well. these 3 credit bureaus are reporting in acute information on my report that should be removed immediately. 

I have filed a lawsuit against all 3 credit bureaus for negligence enablement of identity fraud and for violation of the Fair Credit Reporting 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 2021-05-05 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: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of the CZU fire in XXXX California, which was deemed a state of emergency by XXXX XXXX XXXX. 

I was displaced from my home since XX/XX/XXXX. My home did not burn but I was was without electricity and water for several weeks and my house had severe smoke damage and my house was not habitable. My animals and I have been traumatized by the fire. I also suffer from XXXX and this situation is making my mental health situation worse. 

US Bank granted me a 6 month forebearance and I was to begin making payments on XX/XX/XXXX. During the 6 month time frame I called US Bank to ensure that everything okay with my loan and to ensure that my excellent credit would not be adversely effected. I had not heard from US Bank during the forebearance. I was finally contacted by my relationship manager, who told me that US Bank would defer my missed loan payments ( due to the approved foreberance ) to the maturity date of my mortgage, meaning add the those missed payments to the end of my loan. 

I was shocked when I received a credit notification from XXXX XXXX that my credit score had dropped by XXXX points. 

Here are the facts : - On XX/XX/XXXX my XXXX  credit score was XXXX - On XX/XX/XXXX my XXXX  credit score fell XXXX points and is being reported as XXXX - on XX/XX/XXXX, I called US Bank and explained the situation. Everyone that I spoke with told me that this should have never been reported as being late. They were just as shocked as I was ... 
- I have continued to call to try to get this resolved and even spoke to a supervisor who was very unsympathetic and told me that yes indeed this should hav not been reported to the credit bureau 's but that there was nothing that he could do to fix it ... I have tried numerous times to try to get this resolved and am not getting anywhere. 

I have decided to sell my house and and am trying to rent or re-purchase a new house and because of my XXXX XXXX I am going to have a hard time purchasing a new home or even being approved to rent a home. 

I ask that you please help to restore my credit back to the way it was before XX/XX/XXXX. Please let me know if you have questions or need more information from me. 

Thanks in advance for your help.

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 2021-05-05 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: GA

Complaint narrative:
I applied for a XXXX XXXX XXXX with Capital one. This is the second time i have applied with them. But both times they keep saying XXXX  is reporting my score to be XXXX. This has happened both times and were the cause of my denial. I contacted XXXX  the next day and pulled my score which was XXXX and has been for months now. XXXX emailed me back and gave me instructions to report them to you and other agencies. I have all the receipts of email from both Capital one and XXXX. This is affecting my business ventures. I have over 700 scores with all three major Bureaus. 

I need something done about this. Now I checked my XXXX  score and it is XXXX as of XX/XX/2021 because of the hard pull from Capital one who denied my application on false info twice. 
Thank you very much, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
I purchased a new car and also made sure to include GAP insurance in the event the worst possible scenario happened, and it did happen. My new car was totaled in XX/XX/XXXX. I went through the process, but the last final process has been a persons nightmare that did everything by the books to make sure not to have issues with payments and negative credit reports. I am being held liable for Kia Motor finance and XXXXRe ( Gap ) not dealing with my claim in a timely manner. XX/XX/XXXX through XX/XX/XXXX, I was calling both companies almost every two weeks to make sure my claim was being taken care of. Kia was stating they were sending the documents to XXXXRe, but XXXXRe was stating they were not receiving the documents. In short, I did everything in my power to make sure this was being taken care of properly as an active duty service member who was on orders away from my home address. This has been paid in full now by XXXXRe, but my credit report took 100+ credit score decrease, Im at risk of losing my job, even though I am not at fault for the gap insurance company that I purchased through KIA at the time of purchase didnt receive the documents on time. I purchased Gap insurance so I didnt have to come out of pocket. Now I have to deal with this sitting on my credit even though I did everything as an individual within my power. I have made numerous credit disputes, but KIA will not change the delinquent account and negative payments on my credit report. It has been paid in full. I have never had late payments, delinquent accounts, and etc. Due to the nature of my job, I cant have things like this sitting on my credit reports. I have been on the run around since XX/XX/XXXX and its getting out of hand at this point.

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 2021-05-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Vance & Huffman LLC.. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My checking account was robbed of almost {$500.00} thru a money transfer app called Zelle. Someone accessed Zelle through my bank account and created numerous false contacts in several different names and transfered money out in small amounts to a large group of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank is reporting a credit card on my credit that wasnt open by me. 
I tried to reach out to citi bank and make them aware but they keep sayings its verified.

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 2021-05-05 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: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the XXXX day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I opened a BinanceXXXX account on XX/XX/2021. I funded it by transferring cash multiple times from my bank account and transferring XXXX from my XXXX account. The total assets I have invested total approximately {$14000.00}, and are worth {$48000.00} at the time I am writing this. 
Over the next month I sold all of my XXXX and XXXX and bought the Binance XXXX XXXX. 
On XX/XX/2021, I transferred an additional {$1000.00} from my bank account to my BinanceXXXX account successfully, but when I tried to purchase more XXXX I received a message that my trading was disabled. There was no explanation. 
There is no way to contact BinanceXXXX, other than the online ticket function, so I immediately submitted a ticket, and received a reply saying it was received. Since then I have never been contacted by BinanceXXXX, other than a few emails telling me to wait longer. It has been over nine weeks now, and they are holding my funds without allowing me to access them, and refuse to contact me to help remediate whatever problem there is. 
I submitted additional requests to them for assistance on XX/XX/XXXX, and XX/XX/XXXX. 
I have also filed a complaint with the XXXX XXXX XXXX and the XXXX The XXXX tried to contact BinanceXXXX twice but BinanceXXXX did not respond to them either. The XXXX replied and said BinanceXXXX is not registered with the XXXX  and referred me to the FTC and the CFPB. 
I am now considering legal action but really just want my ability to trade restored so I can sell my XXXX and close my Binance Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been calling SLS to be placed in a COVID forbearance however, every time that I reach out I am given the run around, told verbally I won't qualify, yet given no reason as to why. I have suffered a reduction in income as a result of COVID- yet no options have been offered to me at all. I have also asked to have a new point of contact, as the last representative misinformed me, XXXX and other representatives, XXXX has refused to explain why I can not apply for COVID assistance. They seem reluctant to help me and whenI ask for a new person to speak with, I am told someone will call me- yet I receive no calls.

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I confirmed to make a new business PayPal account rather than using my personal account because i was confusing my transactions and not able to keep track of them. After a few days I begun receiving funds for my sales and sending invoices to some of my buyers, one is currently on a payment plan while the other paid in full. The transaction that was paid in full was around XXXX for a signed item. I added a tracking number for the product and the person who paid for it received it in the mail accordingly. The money was still on hold after a long time so I decided to enter more of my information into PayPal website to get my account a faster money transfer because its a high amount to have on hold. After adding my information into PayPal they said it would be under review after more than a week I hadnt heard back and emailed them. They said they would take a bit longer to confirm, later finally my account gets confirmed but then says theyve decided to permanently ban me for suspicious activity when I only have 3 transactions on my new business account with all the information needed and provided. They are holding more than XXXX of my money and I need to access this and be able to continue my business. Its a new account so I dont understand how theres been suspicious activity or breach of contract. I spoke to a PayPal representative and they said sometimes PayPal makes an error when banning accounts and I should call legal department but they did not answer or acknowledge my concerns. They can not provide proof of anything suspicious or illegal ive done because there IS nothing Ive done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just received a notice from the CFPB today that your company stated that my complaint on your negligence in reference to the false, incorrect, fragmented information your company is knowingly reporting on my credit report. I notified you that my information was also impacted by the XXXX data breach. 

I feel that at this point based on your refusing to respond within the timeframe detailed out by the FCRA in section 611 ( a ) ( b ) ( c ) it is not only time that I report you to the CFPB but to also XXXX  FTC as well as my States Attorney General 's office. 

First you report information on my credit report that is clearly false ; then when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond ; AND then you have the nerve to say that my complaint was not submitted by me in a attempt to get around the rules. 

I demand the accounts in question be deleted immediately or I will file for a litigation due to the XXXX and emotions XXXX you have caused me. This matter has effect my XXXX  and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved.

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 2021-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The is a new inquiry on my XXXX  and XXXX credit report. I do not know who or how the account has surfaced on my account. I have filed a FTC report and have uploaded a copy.

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