vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX I filed a dispute for an account being reported, under the name XXXX XXXX XXXX XXXX for {$470.00} on my Equifax Credit Report. 

Today, XX/XX/XXXX I spoke with a Equifax and was told, first that their was a remark on file for the filed dispute. I said this dispute is a great deal beyond XXXX days and legally under the Fair Credit Reporting Act must be removed from my report, as the investigation was not completed, just acknowledged as " under investigation : in XXXX. 

Equifax then back tracked and said there was a mistake, there is no remark on file, but I can filed a dispute now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
This company is falsely reporting a debt on my credit that I do not owe. I requested a signed contract to show proof the debt belonged to me, however I was not sent any information. I even sent dispute letters to the credit bureaus, but they are stalling the dispute process because they do not have any proof it belongs to me. Neither XXXX  or XXXX  is able to verify this information. Convergent does not have any documentation or signed contract, therefore they are reporting false information which is illegal. I need this information to be removed immediately. I will be filing a complaint with the XXXX and 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
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I posted a welding machine on XXXX for sale. An XXXX  customer contacted me and gave me his phone number XXXX XXXX XXXX XXXX to text him about the machine. I did contact him he ask how much you want for the welding machine I told him {$1300.00} he agreed with The price and he told me he is going to send me a cashier check for that price plus some more for the mover who's going to deliver the machine to new York. in two days I received the cashier check for amount of {$2800.00} via USPS priority mail express That was on XX/XX/2020. 
I deposited the check and waited for one day after the check was cleared I even called The bank to confirm that the check is good and they did confirmed that there is no problem. after all I thought the money is in my bank and there is noting to be worried about meanwhile the fake customer contacted me and ask me to send a remining balance which is {$1500.00} to his mover to come to pickup the machine via zelle transfer. I transfer the fund on XX/XX/2020 in about three days I received a notice from bank the cashier check was Alter/Fictitious and they deduct the fund out of my account. I tried so many time to contact the fraudster obviously no respond. I called the XXXX XXXX XXXX  and filed complain with them. check case # XXXX Zelle claim # XXXX But when I research zelle transactions on the internet it Happened to so many people and zelle never refund them back. But according to Zelle On their web side under the tab : understanding fraud & scam it says because you did Not authorized a payment you are typically able to get your money back. How ever it Refers in case if some body hack to your computer but this obviously was fraud and Crime. This the Email address and name of recipient XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC has made a change that prevents you from being able to link accounts. file consumer financial protection bureau makes sure banks, and of the financial companies treat you fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
my mortgage is through Guaranteed Rate. InXX/XX/XXXX, I was contacted by one of their brokers and I told him I needed to get rid of my PMI. He told me the process was first to attempt to refinance. If that did not work then they would drop the PMI. Rate immediately requested a {$500.00} payment from me for the appraisal and I paid it. The appraisal was returned with {$160000.00} increase of value. After two months of back and forth with the broker, I was told that the refinance would not be processed. The broker abandoned me and told me that to drop the PMI, I needed to contact customer service. I contacted customer service in XXXX and they required a hard copy application that was mailed to me. I returned the application to Guaranteed Rate with a copy of the appraisal provided by Guaranteed Rate and dated XX/XX/2020. With no response from the Guaranteed Rate PMI department, I have been forced to contact customer service multiple times over the last 12 weeks and have no resolution. They will not allow me to talk to anyone in the PMI department and continue to tell me that I should have an answer in 2 weeks. This has been happening for months now with no resolution and I continue to pay Mortgage Insurance on a property with a 65 % LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20, I paid and settled my Bank of America credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, Bank of America continues to verify a balance is still owed. Bank of America will not fix the issue either.

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 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This complaint addresses the Mr Cooper letter dated XX/XX/2020, in response to CFPB complaint no. XXXX, and the abusive misconduct of mortgage servicers, Seterus and Mr Cooper, toward homeowners including mismanagement of surplus escrow funds. See uploaded attachments for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Applyed for PAYCHECK PROTECTION PROGRAM and Bank of America did not denied me or approved for loan till program is not closed and did not give me option to file any complaints or action to try fix my problem.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Credit Karma makes money by partnering with other companies and advertising those other companys services. 

Unfortunately, some of those advertisements are misleading and predatory and hurt Credit Karma customers. Credit Karma has built trust with its customers by offering advice on how to repair poor credit scores, as well as education on the credit and financial systems, it has designed its website for SEO, such that creditkarma.com is frequently the first result when searching the internet for financial questions. Because of this, Credit Karma customers can be misled by advertising. In the same space that Credit Karma advises its customers for credit repair, it pushes predatory loans with excessive fees and interest rates that are not in the best interest of the customer. 

I do not own any product with an interest rate of more than 13 %, and my personal debts are less than {$10000.00} and yet Credit Karma is advertising to me a personal loan with an APR of 20.74 % for a 36 month term, {$3500.00} estimated fees. No matter my personal finances, pushing a personal loan for debt consolidation at an apr of 20 % + is abusive behavior. But whats worse is Credit Karma is pushing this advertisement directly under credit scores and with the language a personal loan could help you pay off your debts faster in a full-screen width element, suggesting to the user that this is Credit Karmas number 1 advice. 

Credit Karma is using its position as a trusted advisor/educator and credit reporter to mislead customers into applying for products that are not only unnecessary, but dangerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I applied for a home refinance with this company 30 days ago, took all my private info And never called me back. Have attempted every phone and email with no response. I feel like this is a scammer. 
Hi this is reaching out from CrossCountry Mortgage, LLC. We have tried a couple times to verify your information so we can send you a custom quote with no luck. Can you please call us back XXXX it will take 2 minutes tops. 
XXXX XXXX This is the company and the agent I talk too. 
XXXX XXXX Loan Originator XXXX XXXX XXXX XXXX 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 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Second FORMAL COMPLAINT AGAINST WELLS FARGO MORTGAGE CO. 
To : Wells Fargo Mortgage Mortgage payments misappropriation and scheduling XX/XX/XXXX XXXX : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX FL Account # XXXX XXXX - Cell : XXXX. 
Up to XX/XX/XXXX Wells Fargo was withdrawing my auto payment on an average of 15 days late. Wells Fargo has willfully designed a system with the intent to defraud its customers by taking the payment 14 to 16 days later in order to collect more interests on the mortgage and the life of such mortgage. This pattern of deception and fraud must stop. Consequently, Wells Fargo must adjust, all illegal interests collected to the principal retroactively and compounded to the last XXXX In my case, I always have automatic mortgage payment set to be withdrawn on the due date from my checking account. However, Wells Fargo was collecting the funds 14 to 16 days later. And applied these funds on the day collected. Hence, I was paying 15 days of extra interest every month. Thereby, the principal payment was much less than what it should have been. Hence, I have been paying much more every month for the life of such loan. This is fraud. This is systematic and willful fraudulent activities, and it has been done over the wire, electronically. 
Prior and up to XX/XX/XXXX, Well Fargo had a systematic illegal scheme by collecting the automatic payment late every month up to XX/XX/XXXX. Suddenly, on XX/XX/XXXX the payment was withdrawn properly! However, the scheme continued on a different format, Wells Faro started applying the payment forward to 2 months in the future. Hence, Wells Fargo still willfully set a scheme to collect more interests on the mortgage. Wells Fargo has been illegally and willfully and systematically defrauding me. Wells Fargo has willfully violated the fiduciary financial agreement and relationship. 
I am requesting that a full audit of all my automatic payments prior to XX/XX/XXXX be done as soon as possible. These payments must be retroactively applied to my account as per my agreement with Wells Fargo that all payment be withdrawn from my bank by the due date, and such payment must be applied -credited to the account on that day, principal and interest. In this case on the first of each month Furthermore, Wells Fargo must adjust all illegal interests to the principal retroactively and compounded to the last XXXX. Moreover, Wells Fargo must be held accountable for all these willful and systemic illegal schemes to defraud its mortgage customers. 
If you have any question, please feel free to contact me. 
Sincerely, XXXX XXXX - Account # XXXX XXXX - Cell : 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
Consumer complaint received 2020-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/20, I paid and settled my XXXX  XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX  XXXX XXXX continues to verify a balance is still owed. XXXX  XXXX XXXX will not fix the issue either.

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 2020-06-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/20, I paid and settled my XXXX  XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX XXXX XXXX continues to verify a balance is still owed. XXXX XXXX XXXX will not fix the issue either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/20, I paid and settled my XXXX XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX XXXX XXXX continues to verify a balance is still owed. XXXX XXXX XXXX will not fix the issue either.

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 2020-06-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 3 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When businesses were ordered shut during the beginning stages of COVID-19, my wife was one of the unfortunate employees to become laid off. Due to her income loss, I researched and discovered that I have a XXXX XXXX home loan, which was deemed eligible for a 3 month forbearance. I applied through the Wells Fargo website ( servicer ) and was granted a forbearance until XX/XX/2020 through a letter that was sent to me on XX/XX/2020. 

I received my normal monthly statement requesting payment due on XX/XX/2020 but thought the statements were already generated prior to my application and approval for forbearance. However I received another statement for my XX/XX/2020 payment which included a line item for past due amount and the due date still reflected XX/XX/2020. I was concerned so I made an appointment to visit a Wells Fargo Banking employee in person to discuss this situation. When I arrived, I was told the banking employees were not able to get involved with home loans but that the employee would try to call the home loan department and find out what was going on. After the employee spoke to the home loan representative, the employee told me that everything was fine and that the home loan employee was showing the account was in forbearance and not past due or at risk for foreclosure. 

I then received my XX/XX/2020 statement and the statement still reflected that I had overdue payments that were owing since XX/XX/2020 in addition to a separate letter that stated my account was in past due status and that failure to bring your loan current may result in fees, the acceleration of your repayment terms or the possibility of foreclosure. 

I attempted to call the number on the letter but was unable to speak to a representative due to the extremely lengthy hold times ( my cell phone battery ran out both times that I tried to wait to speak to someone ). I called many other times but was greeted with the extremely long hold times recording. 

Due to the threat of foreclosure, I diverted funds from other obligations so that I could pay my account in full to avoid foreclosure.

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 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
ECMC has been reporting to credit bureaus that I've been paying them since XXXX. Not only do I not have any sort of contract with ECMC, but I have not been paying ECMC since XXXX. 

On many occassions they have been asked for evidence, but they continually violate the laws, rules and regulations that require them to provide evidence that I payed them, or that I ever had a contract with them in any shape, form, or fashion. 

They are clearly operating in dishonesty, and erroneous illegal practices.

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 2020-06-26 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX has promised via mail that they would report a XXXX ( {$0.00} ) balance to all credit bureaus concerning my previous XXXX XXXX account. This has not happen as of yet. I was a responsible consumer and have paid my obligation. Yet, I have been dealing with the problem for two ( 3 ) years with a lot of run around and no resolution. Please see supporting documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've had a freeze for many years. Everytime, ( yes, all three times I've removed it ) Transunion confirms that its lifted, only to continue to tell merchants its NOT. I have to call and hold for long times to get someone to confirm it was lifted. Once I do that they lift it. I believe this is intentional harrassment of people who freeze their credit. Either that, or they are totally incompetent at managing freeze lifts.

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