vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Made XXXX payment on XX/XX/XXXX, through XXXX XXXX Bill Pay system with an expected delivery date of XX/XX/XXXX. The payment was applied by the servicer on XX/XX/XXXX. Mortgage payments are made in arrear so this payment should be credited for XX/XX/XXXX and its mortgage interest.

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 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I feel like I am being penalized or retaliated against by Wells Fargo since I had complaint about the original checking/credit account opening beginning in XX/XX/2021. As recent as XX/XX/2021, my credit monitoring alerts indicated WF  again has another checking/credit open under my identity. They closed one and attempted to open another.

In addition, the WF fraud department sent me a slew of documents dated on XX/XX/2021 to be NOTARIZED by me or they threaten to leave the accounts open and will assume it was made in good faith. Why don't they make the person who is trying to open the account notarize the application? Why do I have to pay for a notary service to stop them from opening fraudulent accounts. Keep in mind that I had already put a fraud alert and froze all of my credit reports. The letter also stated that they could not reach me by phone, but I had called them several times regarding the fraudulent accounts. 

Called them XX/XX/2021 with Claim # XXXX, other case # given XXXX and two more times after this. 

I even went into a local branch ( XXXX XXXX nmls : XXXX ) so they can verify my identity : XXXX I had filed an earlier case that was closed on XX/XX/2021 and was referred to WF Fraud department. 

Subject : Concerns received from the Consumer Financial Protection Bureau Case # XXXX Wells Fargo Case ID : XXXX, XXXX and XXXX Account ending in : XXXX I don't understand how a large financial company can even open an account without properly checking a person identity and when the identity is in question, force the victim to identify himself or they would leave the account open. It's mind boggling. 

I attached the letter from WF fraud department stating that I must notarize my identity otherwise they will assume I had authorized the credit card application. I also attached my monitoring alerts showing WF is again opening credit/checking account in my name fraudulently. This is blatant fraud and blackmailing.

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 2021-01-30 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: CA

Complaint narrative:
This complaint dedicated to TransUnion regards their insincere measure actions not responding past 90 days. The data reported about me is erroneous because this is not my account. 

The XXXX XXXX, with the account number beginning with XXXX is entirely inaccurate and incomplete, and represents a very serious error in your reporting Therefore, requested disputes but after the past 90 days no response and no action at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020 my Nevada state unemployment debit card through Bank of America was frozen due to fraud. I had not placed any fraud disputes or complaints. I have I called both Bank of America and the state unemployment department at least twice a week as well as email them and continue to do so. So far i have called over 167 times and have sent over 200 emails. I have emailed them documentation to prove my identity and explaining the scenario nothing has changed. When I called the state unemployment department they blame Bank of America and when I called Bank of America and they blame the state department. When speaking to the unemployment department I am told that there is nothing wrong with my account that I should continue filing. However when I speak with Bank of America they tell me the opposite. All of this has caused me extreme stress by having my phone cut off, no means of transportation, and no way to pay my rent. I do not have family here and moved right before the pandemic lockdown. I can understand undue stress on families and believe this to be part of the increase in CCSD students 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 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Old Citi credit card was used on XXXX mistakenly at the same time an active Citi credit card was being used. Citi made no attempt to collect the money owed on a card that had not been used in a few years until I started getting phone calls and letters that looked like fraud. When I contacted Citi they only told me my current card was paid as agreed and I didn't owe a thing. Recently they finally agreed to send me my statement so I could confirm the transaction, when I did they posted all interest and late fees from when I spent the money and refused to take {$100.00} in fees from a {$20.00} mistake purchase to settle the account. Recently they started reporting the account aggressively and only offered a call from their executive team within 15 business days. With no way to resolve until this department contacts me I am not sure why they are posting all of this negative information over a {$20.00} dispute.

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 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
We fell behind on our mortgage some time ago and we thought we were getting assistance from different sources. Ultimately no one helped and everyone said they could, our financial probelms started before the covid pandemic, but the pandemic has made things worse. the primary borrow has had health issues, for a number of years, and the coborrow has been dealing with her elderly mom. 

Recently we reach out to the servicer and they said they would try and help by modifying the loan and since the primary borow is stable with her health and the Mom is doing much better, we should be able to maintain consistant monthly payments. We have sent a completed loan modification package in today and plan to follow up with them on monday, they said the process will be expedited because of the sale date and hopefully postpone the sale date. worse case would would need to sale property and recover what equity is available. Primary objective is the continue to live in the property and provide shelter for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern, based on XXXX profile, an individual named XXXX XXXX XXXX, was selling french bulldogs which I decided to buy. He proceeded to send me pictures and videos of these dogs. I even video called with him and can confirm he is indeed the profile on XXXX and XXXX. He showed me the dogs he had available at the time and advised me of his price. The total was {$81000.00} USD for eight adult XXXX XXXX  which included, their shipping, XXXX, vaccines, and all that entails bringing to the USA. After wiring the initial deposit on XX/XX/2020 of {$15000.00} USD, he gave me the balance due a week prior to shipping. After making the final payment of {$66000.00} USD, he then blocked me on XXXX and XXXX as well as deleted his profile and created a new one. There are numerous other complaints of him from others on social media where he continues to offer dogs to other people and has also scammed many others. This amount of funds is affecting the day to day business operation for myself and my family. This will is detrimental and devasting for our finances. We have proof of pictures of him that shows his car tag which might assist the authorities. You attention to this complaint is greatly appreciated. 
Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Applied for home equity loan. Report states lack of revolving account info, lack of recent installment loan, too few accounts currently paid as agreed. We have credit for 60 years. We have two credit cards which are automatically withdrawn from bank account in full every month. Just because we do not carry balance every month, we should not be penalized. As far as we know we have never had a past due amount. We feel we should have perfect credit.

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 2021-01-30 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: NY

Complaint narrative:
I have disputed several inaccurate, incomplete or unfair information from my credit reports to the credit bureaus and i have not received any response from them.

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 2021-01-30 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: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
I filed a dispute in XXXX with Current debit customer service after my account was hacked and my money was stolen out my account and used digitally at a XXXX in Florida and I am not in Florida I am in Tennessee. Over $ XXXX was used for a fraudulent purchase I did not make, after I reached out to Current Customer Service. I had a dispute opened and was to be settled because they have location on my phone, so I did not make the purchases. And after I thought it was settled because my money was returned. Now as I of today my account back in the negative and to my knowledge it was settled until I checked my account today. I am tired of them stealing my money because our accounts should be more secured but its obviously not. I just want my money all back and I will be discontinuing using Current again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XXXX I sent a check off to XXXX XXXX XXXX XXXX. They deposited the check on XXXX. They are claiming they do not have the check nor they can not find it. They have been charging me for interest for the {$800.00} I sent in & late fees. They have been charging monthly since XXXX and I was told they were not going to be doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Initial complaint opened - XXXX BOA - XXXX Response from BOA is not acceptable. 

I do not agree with the company 's response. According to them if the requirement to disclose fees went into effect on XX/XX/2020, then how were my 3 international wire transactions of XX/XX/2020, XX/XX/2020 and XX/XX/2020 successful? Additionally why did the company not inform me ahead of time, knowing fully well that I had been executing International wire transfers with this bank for years and that BOA did not have a direct relationship with them, and that my future transaction could be impacted. Finding out that a transaction will not execute, at the last minute is not acceptable.

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 2021-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, opened Ally Invest account. {$2000.00} deposited in one transaction. Transaction shows successful under both accounts. {$2000.00} properly reflected in Ally XXXX. 

On XX/XX/XXXX, Ally Invest account reflects {$0.00} cash funds. There was no activity in the account since the deposit. I wait 3 hours on phone and chat to talk to a rep. He can see the funds reflected clearly on his side, acknowledging I wouldn't be able to see or do anything on my side. He said he couldn't file a money transfer request through the system but put it through to have the money transfer done manually for XX/XX/XXXX. Confirmation email at XXXX. At XXXX, receive new emails saying, " We are unable to cancel previous day Real time Transfers. We ask that you withdraw the funds. '' On XX/XX/XXXX. Called twice. XXXX. XXXX min wait. Regular Ally Banking systems shut down, try calling back in an hour. XXXX, website/app back up, but all money transfer options were stopped in app and website. Second call, XXXX hour wait again to Ally XXXX. XXXX acknowledges same situation as yesterday, but is unable to fill any money transfer request. ( Apparently I could still have orders placed through a Live Broker. But the only way to get in contact is to be transferred through their main customer service line. ) By the end of the day money transfer services seemed to be restored, but Ally Invest account is still improperly showing cash fund as {$0.00}.

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 2021-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX I paid XXXX to sallae Mae for our agreement to pay {$220.00} of interest in addition to {$110.00} for the principal. My due date was XX/XX/XXXX so I decided to pay it early with extra. When I did this I received a hit to my credit score because they didnt process my payment instead I received numerous emails and calls telling me Im late on payments and that ironing the risk of delinquency. In addition, to receiving a hit to my credit score. I ended up calling sallae Mae and speaking to them and they said theyre sorry and that they would fix it but I would still need to pay XXXX on XX/XX/XXXX. I then asked them why cant they use my XX/XX/XXXX payment for the {$220.00} payment they then agreed and then I asked would I get the {$110.00} left over back which they added they would add to the principal instead. Shortly after this I took another hit to my credit score. Following this I recently called sallae Mae again and they informed me theyre fixing it in the system and that they will fix the hits on my credit score. The balance was decreased on my score but I still have had my score drop 60 points just off of a mistake they made all because I chose to pay them on time. I lost my Job due to corona virus and still have not been called back to work. They have no agreed and have been very abrasive when it came to lowering my payment during this crisis from the start. They also told me I have to pay {$150.00} to go into forebearance and even though Im not working at all even though before corona i have been a enrolled in direct debit and Ive always paid on time. I just feel like this company is very crooked in their business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS ON XX/XX/2020. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER WELL OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS ON XX/XX/2020 AND STILL HAVE YET TO RECEIVE ANY RESPONSE. I EVEN GAVE THEM EXTRA TIME DUE TO COVID-19. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX 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 2021-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am very upset I feel very misled and I am going to be filing a complaint with the XXXX and cfpb because you violated the FCRA and did conduct a proper investigation actually you did not do any investigation and you misrepresented and I now have undeniable evidence that you are giving false investigation results because I have In writing from your source of the info thats inaccurately reporting on my report and I no you did not do what you were supposed to and you denied me my legal right to dispute this information I am not happy I simply just want this removed from my information ASAP. I want this expedited because your negligence on last investigation that was non existent thank you

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 2021-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
My XXXX XXXX is paid off by the Insurance ( {$11000.00} ), company to Santander Consumer USA, plus I paid over {$12000.00}, now Santander Consumer is asking for {$10000.00} in late charges. It has ruined my credit score. I need Santander Consumer USA to make my credit score right and loan paid off in writing with Title. The car cost {$18000.00}. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
To whom it may concern, Several months ago I filed a complaint with the CFBP regarding Capitol Ones treatment of me. When I last complained, I was told by Capitol one essentially that the credit card company could do what they want to do for whatever reason they want to do based on their own business practices. Of course, I found it a strange loophole in the law if on could complain about a card companies treatment only to be told they can do whatever they want. Anyway, a few months ago, they reduced both my card limits under the guise that I dont max them out enough, even though I had and XXXX credit score. They claimed at the time they had thoroughly researched the me and made an independent determination. Recently, they closed my accounts because I was convicted of a felony in 2019. Nevermind that I have an XXXX credit score, a credit utilization rate of less than 1 %, I have had the accounts for over 20 years. I am a veteran that served in XXXX, I did not know at the time I was suffering from XXXX XXXX. I was back then, and I am currently in a tremendous amount of pain from other injuries I sustained while overseas, and XXXX I struggle every day. Over the years I tried to compensate, and hide my pain, but I eventually spiraled out of control. The treatment I am receiving by Capitol One is unfair and wrong. I have never even been late, I have not been over my limit, and they renewed my cards, and then cancelled me afterwards. 

I would hope CFPB would at least think it strange that at the same time Capitol One was lowering my credit limits because I didnt utilize them enough, they have now dropped me because I was convicted of a crime in XXXX of 2019.

Company response to consumer: Closed with explanation