vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$3500.00}

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 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My account with citi bank was closed on XX/XX/2020 with a remaining balance of XXXX in my account almost two months later and I have still not received a check with my funds I have called multiple times since XXXX I have visited two different branches and no one is able to help me or give me a date when I should receive my funds

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 2020-08-25 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: IL

Complaint narrative:
This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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:
I realized I have many accounts, phone numbers, names, addresses, and socials on my credit report that do not belong to me in XX/XX/2020. I filed a police report and disputed it all with all three credit bureaus. They have not reached out to me about the investigation or when the accounts will be removed,

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 2020-08-25 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: WA

Complaint narrative:
It is over a month and a haft that I make a request to fix my credit report with the bureaus. and I have no response from them. There is a inaccurate information on my credit report that not mine. I believed with the 30 days Rule they have to fix my problem that I request. 

Please see the attachments below

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 2020-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have received multiple notices from https : XXXX. Informing me I have received a gift card of {$1000.00}, or a loan of up to {$3500.00}. From Bank of America. I did not give Bank of America my new cell phone number. I dont need money, or a loan.

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter over 45 days to this bureau and have not received any response, This process has been very stressful and caused me job opportunities because of incorrect information being reported inaccurately in my file. I have sent letters before this date and still the issue has not been acknowledged.

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 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
On XX/XX/2020 an incident occurred with another individual that required car repair to the other vehicle. The damage was a result of the other individual, represented by XXXX XXXX, parking illegally and obstructing my driveway. 

The other person involved that had damage to his vehicle had it repaired by XXXX XXXX prior to relaying the damages and falsely reported I was responsible for the accident when I wasn't even the driver. 

XXXX XXXX referred this to XXXX which has mailed me two letters regarding this and with an outstanding amount providing an email where I can respond to disputes. On both occasions I did email XXXX   and advised them this was a false claim and any further communication with me should cease and the matter would need to be settled through court. 

I received no response or acknowledgement from XXXX of my email and then was contacted by an organization named Recovery Partners. This is not an outstanding debt since the other party involved has  committed fraud in reporting the incident as entirely not his fault. 

I have requested on three separate and distinct occasions to cease contacting me and directed them to legal proceedings since I do not owe anything when a car was illegal parked and I was not the driver. They need to stop harassing me and follow the legal process and not intimidate me and threaten to damage my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Re-finance loan application with Wells Fargo stuck in limbo. 

Overall ask : Where do I go to issue a formal complaint against Wells Fargo? Refinance loan process over 120 days now, and no end in sight. This is for a 2nd Rental house. Primary residence and 1st rental property mortgages serviced by Wells Fargo as well. Thought it would be easy to get all mortgages under 1 roof. Wish I had thought differently. 



Started the process in XXXX. Application formally submitted XX/XX/XXXX, ~ {$700.00} paid for Appraisal / Processing fees All key requested documents Tax, Bank, Retirement, Insurance, Pay Stubs submitted XXXX conditional approval received, XXXX closing date promised, additional docs requested all key documents submitted XX/XX/XXXX additional documents requested and submitted. XX/XX/XXXX closing date set. Title company reached out for details. 
XX/XX/XXXX informed that due to COVID, underwriters are busy and I should re-submit bank statements. No closing date promised. 
XX/XX/XXXX informed me that my rate lock period has expired. Theyll wave the fees if I agree to stay patient thro the process. No clarity on closing date. 
Last few communications the bank keeps asking if I want to cancel the application. Unsure why. The {$700.00} is non-refundable. 

Ive been stuck with these guys for 4+ months. Can not look for other investments Isnt there a time threshold to either process or decline a Loan application. Seems like they are asking me to withdraw the application. Why?

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter over 45 days to this bureau and have not received any response, This process has been very stressful and caused me job opportunities because of incorrect information being reported inaccurately in my file. I have sent letters before this date and still the issue has not been acknowledged.

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 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I realized I have many accounts, phone numbers, names, addresses, and socials on my credit report that do not belong to me in XX/XX/2020. I filed a police report and disputed it all with all three credit bureaus. They have not reached out to me about the investigation or when the accounts will be removed,

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I realized I have many accounts, phone numbers, names, addresses, and socials on my credit report that do not belong to me in XX/XX/2020. I filed a police report and disputed it all with all three credit bureaus. They have not reached out to me about the investigation or when the accounts will be removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was in the process of refinancing my mortgage with a new lender and my HELOC with TD Bank required that we fill out some paperwork so that they can file a subordination document. To our surprise, they would take 30 days according to an email to let us know if we filed the proper documentation. They got back to us after 30 days and at this time the rate lock with my new lender expired and the new lender wanted like {$1000.00} to extend their rate lock which I refuse to pay. TD Bank now is asking for more paperwork because of all things the new lenders information is now expired. They refuse to rectify the situation and now they will not refund my {$200.00} that I paid them to perform the subordination as they say its not refundable when in fact they haven't even done anything but look at the paperwork. This is a sham that should not be allowed to continue. 

TD apparently has not provided their employees that are working from home any method of communicating with its customers other than email exchanges. No telephones were provided to solve these issues which continuously extends and frustrates the process of trying to deal with the issue. I have personal knowledge of preparing a subordination from a prior work experience and they not treating customers fairly or properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Having extreme issues closing. Asking for documents that have been submitted multiple times. Unable to reach anybody at any decent time. Closing date being pushed out once now possibly a second time. The day before closing now at XXXX XXXX we still dont have a time to be at closing tomorrow. Unable to talk to anybody about this matter. This whole process has taken seven weeks and it is still not finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: MO

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX   XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXXXXXX XXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$1500.00} XXXX XXXX {$3500.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: CT

Complaint narrative:
On XX/XX/2020, following a merger with Chemical Bank, TCF Bank updated mortgage loan information for customers including new loan numbers and the need to reestablish online profiles. XXXX A letter from TCF Bank to customers dated XX/XX/2020 was ambiguous & contradictory about the steps customers were to take next : noting both " if you have authorized automatic direct payments from a savings or checking account from TCF bank or another bank, there is no need to do anything. We will continue to process your payments without interruption ; '' as well as " Any payments you previously scheduled to be paid on or after XX/XX/XXXX will no longer be paid. You need to reschedule the payments after enrolling in the new service. '' To confirm, despite the contradictory information provided by TCF, all customers with recurring/automatic payments were required to reenroll. // Upon reenrolling, customers have two payment schedule options : pay the statement/invoice amount on pay date ( TCF does not offer another date option ) or pay a fixed amount at a fixed interval. After enrolling to pay the invoice amount on each due date and having the subsequent automatic payment fail, I contacted TCF customer service on XX/XX/2020 to determine the cause of the issue. // After a 1 hour 40 minute hold time, I was informed by TCF that their automatic payment functionality did not support invoice amount payments and that the relevant section of the website was not functional. When asked if XXXX had plans to make this clear to their customers, they made no such disclosures available. // When asked how TCF planned to rectify late charges for customers who thought their payments would be made on time due to automatic payment enrollment, TCF noted that customers had an 11 day grace period to rectify their issue on their own but that the failed automatic payments were not TCFs responsibility. // Finally, when questioned about why TCF statements do not reference the 11 day grace period, the customer service representative responded that TCF intentionally omitted those details, " because otherwise people won't pay their mortgages on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Spoke with PHH Mortgage customer service today who is the servicer for our loan I was informed they were not processing my mortgage assistance request. I requested to speak with XXXX  whom I spoke with yesterday, upon being persistent I was told that she did see information the mortgage assistance request was being reviewed by the Obuduman dept. and the foreclosure sale for my home XXXX was canceled. I immediately contacted the foreclosure attorney office to verify the foreclosure sale was canceled, I was informed by them that the foreclosure sale was not canceled with them, the foreclosure attorney, PHH is giving misleading information and I feel they are purposely trying to make me loose my home to foreclosure Also I was affected by covid-19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went in on Saturday XX/XX/2020 to open a new chase banking account with my husband. Everything was fine and the banker informed us our account is open. I deposited two checks into the account. Today XX/XX/2020 I try to log into my chase bank account and my account says I must call due to suspicious activity after 30 min on hold the rude lady informs me my account has been closed and no information why. I have not been notified by chase. I have paid off my credit cards and am in good standing with my other banks. I checked my XXXX XXXX and there is no negative remarks. Chase informs me Ill receive a check in 10 days with my deposited amount my husband and I have no money and a XXXX year old baby this is ridiculous. I do not know what I could have done to cause this to close and why I wasnt just declined the day I went in for the account? We lost {$1000.00} can not afford food this week and are struggling. Chase is so rude and only tells me we do not want to do business with you I wasnt even warned!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Home Loan Center, Inc.
State: TN

Complaint narrative:
I put in information through Lending Tree on XX/XX/2020 at XXXX XXXX. I clicked on XXXX XXXX  2.25 % for 48 months and continued from there. I never gave my full social security number to ANYONE. I  used this chat feature on XXXX XXXX to ask how they could send me loan offers without running my credit because they didn't have my social. I wanted to make sure that this company would not do any hard inquiry on my credit, as I was just shopping around at the time and wanted to see what I could find. The person said " we don't need your social to get you approved. '' I looked today and I have received THREE hard inquiries to my credit score! What's worse -- the offer they actually sent over was a full 1.25 % higher than the " pre-approved '' rate. I reached out to XXXX XXXX  and they said " you gave us express written permission to retrieve your credit when you clicked " continue '' on Lending tree and XXXX XXXX. They never had my info to run it, so they somehow found it and ran it saying that I gave them express permission to do so! This is completely unacceptable and absolutely unethical. Tiny fine print that allowed them to make three hard inquires -- and the person from the company told me the social wasn't even needed to continue. This company should not be allowed to continue doing this to innocent people!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: RateGenius Loan Services Inc
State: TN

Complaint narrative:
I put in information through XXXX XXXX on XX/XX/2020 at XXXX XXXX. I clicked on Rate Genius 2.25 % for 48 months and continued from there. I never gave my full social security number to ANYONE. I used this chat feature on Rate Genius to ask how they could send me loan offers without running my credit because they didn't have my social. I wanted to make sure that this company would not do any hard inquiry on my credit, as I was just shopping around at the time and wanted to see what I could find. The person said " we don't need your social to get you approved. '' I looked today and I have received THREE hard inquiries to my credit score! What's worse -- the offer they actually sent over was a full 1.25 % higher than the " pre-approved '' rate. I reached out to Rate Genius and they said " you gave us express written permission to retrieve your credit when you clicked " continue '' on XXXX XXXX and Rate Genius. They never had my info to run it, so they somehow found it and ran it saying that I gave them express permission to do so! This is completely unacceptable and absolutely unethical. Tiny fine print that allowed them to make three hard inquires -- and the person from the company told me the social wasn't even needed to continue. This company should not be allowed to continue doing this to innocent people!

Company response to consumer: Closed with explanation