vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Redfin Corporation
State: VA

Complaint narrative:
I applied for a mortgage on redfin.com and on XX/XX/XXXX, I received an email that said I did not meet the minimum credit score criteria from a loan officer named XXXX XXXX XXXX XXXX. The company did pull my credit and I received an inquiry. I asked XXXX would I be getting an adverse action letter. She stated no and advised me to call the credit bureau. I advised her that per ECOA, REG B and RESPA I should receive an adverse action letter. She stated that because it was a preapproval, I would not get a letter. I advised her this is untrue however, the company refuses to provide the letter. I had to provide all financial documentation required for a complete 1003 and the company ran my credit. This is definitely an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: VANGUARD FUNDING LLC
State: PA

Complaint narrative:
Received a confirmation from the Vanguard XXXX , XXXX dated XX/XX/20 of approximately {$63000.00} being " transfer to another account ''. Vanguard later confirmed this was their error. Neither I nor my wife initiated this transaction. It was eventually corrected. However, since I had a previous experience with Vanguard of approximately {$220000.00} gone missing and subsequently corrected, I asked Vanguard what action would be taken to better safeguard my funds. Vanguard called and indicated that they would not share any information regarding actions they may or may not take to enhance the security of my funds.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott & Goldman, Inc.
State: IN

Complaint narrative:
Law firm sent ( attached ) document to my home residence for a matter involving a company I was just a former employee of that owes them money. Listed my name and dba the company when I was only an employee. Called them directly, spoke to XXXX XXXX at XXXX. He said they will keep calling and will be suing me directly for the money owed even though I was only an employee and the only way to stop this was to 1. Get my former employer to pay them or 2. Get an attorney and sue them then they would reverse this. I told them they had no legal right to do this and he hung up on me. 

Repeated calls to my personal cell phone daily threatening legal action as well. I do not answer these but all of this is not only harassment, but knowingly and admittedly illegal as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: NY

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: S&S Physician Services, Inc.
State: TX

Complaint narrative:
all ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
Trident asset Management says I owe them a balance of XXXX . However, I did not make this agreement with them. My identity was theft due to XXXX breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: Concentric Receivables Management, Ltd.
State: TX

Complaint narrative:
all ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
all ftc violations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
upon closing of CFPB # XXXX the party " Chase '' stated within its response -- that they believe the Deceased was not released from liability when in fact the deceased ( 2003 ) was a Co Joint Tenant and is legally released from liability. This has gone on for years and needs to end!! If I am forced to file another law suit many other Defendants will be added including XXXX XXXX law bunch -- especially attorney XXXX XXXX XXXX whom obviously is an XXXX looking to kill this person with stress being high risk for covid19. I am demanding this stop here with this foreclosure XXXX!! Chase has no standing, only I do!! The deceased co joint tenant can not legally be held liable please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
upon looking at my credit report during quarantine i discovered that a debt was assumed fraudulently with my information and then charged off on to my consumer credit report which is effecting me adversely. I was not contacted or given any indication of this debt as this is not mine. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: Premium Credit Bureau
State: AZ

Complaint narrative:
When I woke up and saw that my credit score went down by 2 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I deposited a personal check from a family member on XX/XX/2020 and the finds are now on hold until XX/XX/2020 at the earliest in my Bank of America account. I reached out to Bank of America and they have not responded beyond the notification on the account. I believe it is unreasonable for Bank of America to hold my legal funds hostage for any amount of time, considering that the ACH process happens within 24 hours and funds clear in 48 hours.

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 2020-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I paid my Wells Fargo mortgage loan # XXXX in full on XX/XX/XXXX. I contacted Wells Fargo at XXXX on XX/XX/XXXX at XXXX XXXX  and was told my escrow would be refunded and I asked about my PMI. When I purchased my home in XXXX we paid our PMI in full for {$4900.00}. I told them I wanted my refund of around {$4000.00} due to paying off the loan. The first female I spoke to told me she consulted with someone in the PMI department and he said due to the Homeowners protection act I do not get my PMI back and they keep my {$4000.00}. I asked them how that is and told them I will file a complaint. She then directed me to The executive office with XXXX XXXX who told me my case would be looked into and someone would contact me within 24-48 hours to talk about my situation. I told her I was told by a friend who does her exact job this is what they would try to do. The initial person could have handled and took care of my situation but instead they pass it on so they can buy time and waste 60 days before returning my money if they ever follow through. She then told me she doesnt think it will take 60-90 days and mentioned 10 day turn around. I asked her again so this will be resolved in 10 days and she said my person would contact me and let me know. This is ridiculous. We paid this money it does not belong to them and it should be refunded. They are giving me a run around and its exactly why I got away from Wells Fargo for my mortgage.

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 2020-05-20 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: NY

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-20 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: NY

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2020-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive tired to have the 3 credit to bureaus to dispute inaccuracies on my credit history. They mailed me out a packet to dispute these inaccuracies. My husband at the time ( im in a XXXX  divorce status ) XXXX XXXX told me they must mot have mailed it out so i never received it. This seems to happen with most my mail with him around. He has a brother XXXX XXXX that took out credit cards in his name an he never pursued to do anything about it. He knows i would have. I also cant log into XXXX XXXX  an it will not allow me to change my password. I emailed them awhile back but no response if you could give them my email that would be greatly appreciated. XXXX If you have any more questions please contact at XXXX. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, oh 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 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: FL

Complaint narrative:
I got my Skylight One Bank though my first job that how my employer paid my paycheck. 
I received temporary card and no incorrect charge was posted. When I received my permanent card with my name on card that month I notice incorrect charges and they were all from the state of California XXXX ride XXXX XXXX. I live in XXXX Florida over 3000 miles away one day I was paying for XXXX  XXXX in XXXX Florida a XXXX  ride in California was get charge to my card at the same time and the bank did nothing. Give notice of FRAUD to my Skylight One Bank Card they said they would investigate problem then received letter claim was closed. Then I received a new Skylight One Bank card I call they told me it was mail to me because of Data breach. Since then I have received 3 cards with same issues and they never can tell when and what they did to investigate these issue to give me back my money. Skylight One Bank when calling them about this issue you get put on hold for 27-30 minutes. Skylight One claim they will send you a itemize statement that never arrive. Then you start have problem login in account to get the basic information. Next Skylight One know you only speak English they transfer to customer service that don't speak English which make you start the process all over again.

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 2020-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX, phone:XXXX  over 5 years ago. Account was opened when I leased my first XXXX XXXX thought my dealership, XXXX XXXX in XXXX, VA on XX/XX/XXXX. My car was a total loss and my GAP insurance paid off the remaining balance in full. Account was completely closed on XX/XX/XXXX. Only now trying to get a better apartment I checked my credit score and this company keeps reporting some balance that does not excist. It has been ruining my credit this whole time and that is unfare. 
I contacted XXXX over 4 times. On XX/XX/XXXX I spoke to an agent XXXX ( ID XXXX ), Alter he confirmed with his manager that the amount will be removed and I will be receiving a Paid in Full letter via my email within next 4 hours, I did not get it. I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) asking why I did not get the letter like they promised. All I was told that the request was submitted again and I will get it. 
Still nothing and I called again on XX/XX/XXXX and spoke with an agent ( ID XXXX ) who stated that the email on file was incorrect. I have been confirming it multiple times and I was told to wait again. Called again on XX/XX/XXXX and spoke with ( ID XXXX ) who stated that her screen is frozen and she can not assist me. The calls should be recorded by XXXX so please investigate this company who should not be in business. I have no time to spend another hour with them and get absolutely nowhere.

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 2020-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: IQOR US INC
State: IN

Complaint narrative:
XX/XX/XXXX charge off charge on my back stamens for XXXX I believe XX/XX/XXXX call to set up payment plane of XXXX on XXXX of every mo. Fail to take funds out They called in XXXX adv them unacceptable to pay. 

XX/XX/XXXX revived a call saying I never made payment on this account kept over taking me and they drew getting smart Advised i did make a payment. Was treated very unfair and fining miss information was told they received the account file in XX/XX/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 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a Wells Fargo Secured credit cards in XX/XX/XXXX. My last payment was made XX/XX/XXXX. The account was closed XX/XX/XXXX due to nonpayment. I called Wells Fargo in XX/XX/XXXX to make a payment and close the debt out. I was told they were unable to locate the debt to apply a payment to so they would be unable to accept my payment and remove the debt from my credit report. I submitted a dispute XX/XX/XXXX to have it removed from my credit report because they cant find it to prove it was mine and accept payment. The dispute was in favor of Wells Fargo, and it is still on my credit report despite being unable to locate the dent and let me pay it off.

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 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is not a duplicate. 

This is about a different lie that Capital One has said. 

CFPB, please do not close this case until both parties agree that the issue has been resolved. 

My complaint is that Capital One is lying yet again, as evidenced by their two letters which contradict each other. 

Capital One 's letter dated XX/XX/XXXX states that " Our records indicate that you were able to reset your password on XX/XX/XXXX, and you successfully accessed your account on XX/XX/XXXX. '' Yet Capital One 's letter dated XX/XX/XXXX states that " It appears that the account ending in XXXX is not enrolled for you to have online access '' and " We have confirmed that the system issue that prevented you from logging in on XX/XX/XXXX, has been corrected. " This is two conflicting statements in a single letter - first they state that the problem is that my card is not enrolled in online access, then they state that the problem is a system issue. And the 'system issue ' has NOT been solved, as I am still unable to log in and get the same screen when I try. 

I am asking the CFPB not to close a case until both parties issue that the issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital one is not taking collections off of my credit report thats over 7 years old every time I dispute it on XXXX it doesnt clear off this debt has been settled for some years now both accounts are closed out and has been closed out for over 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
An account with Amex was acquired with my identity ( identity Theft ) which i provided a police report and affidavit. this was done without my consent and charged off. The original complaint was put in last year and after an investigation from the bureaus was removed. upon looking over my report last month it appeared again. this is not correct and will not be tolerated. I thought Amex was a good company ... very sad that they would want to go against the laws of FCRA.

Company response to consumer: Closed with non-monetary relief