vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I am writing today because BMO Harris Bank is holding over {$11000.00} in a checking account going on 5 months now. 

A very close friend/roommate of mine XXXX XXXX filed for unemployment and he asked me to use my account to deposit his direct deposit to, okay no big deal he does so. BMO then locks my account stating it's fraud I explain the situation to a man named XXXX who works for BMO Harris. Remind you this is on going 5 months now, the gentlemen XXXX who is very very rude and un-kind accuses me of fraud, okay no big deal I can bring XXXX XXXX into the BMO branch and he can explain it himself since that's who the deposit was for he just used my account because he didn't have his own at the time. XXXX directs me to go into a branch with My ID my social security card and Also my friend XXXX XXXX along with his SSN Card, Birth certificate, and ID. I take him to the bank, we do everything all followed along with every piece of his unemployment papers and they FAX it into " XXXX ''. I hear nothing from him, I've maybe spoke to him 2-3 times in 5 months I have spoken with several managers over the phone who work for BMO who also can not get ahold of this guy. There is 2 options legally they have to follow which is, return the funds to XXXX so he can get them resent elsewhere OR they have to mail me a check with my account balance. 5 months for nothing to happen is outrageous, thanks

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 monetary relief
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
Because I have been a victim of identity theft, I have acquired the most trouble in trying to sustain funds for everyday living during this COVID 19 pandemic. These unauthorized accounts have severely hindered me and my family. I am asking that all the accounts/inquiries listed in this report be removed from my credit report as soon as possible so I can provide for my family.

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 2020-12-16 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: CA

Complaint narrative:
Because I have been a victim of identity theft, I have acquired the most trouble in trying to sustain funds for everyday living during this COVID 19 pandemic. These unauthorized accounts have severely hindered me and my family. I am asking that all the accounts/inquiries listed in this report be removed from my credit report as soon as possible so I can provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRUIST FINANCIAL CORPORATION
State: ID

Complaint narrative:
I have 5 inquiries that are not mine, nor did I approve them and they appear to all be fraud. 
* XXXX XXXX XX/XX/2020 *Lighstream XX/XX/2020 *XXXX XX/XX/2020 *XXXX XXXX XXXX XX/XX/2020 *XXXX XX/XX/2020

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 2020-12-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi, I have a finance background and am concerned with some behavior I have witnessed from Fidelity in the last few months. 

Fidelity has a partnership with Elan financial to offer credit card and balance rollovers. I replied to a teaser of 18 months with 0 % APR. The balance rollover didn't go through ( they claimed for some unknown reasons ) and I tried to call multiple times to fix it. It took many hours to get them on the phone. Even just to activate the card took hours collectively to fix the issue ( I gave up 30 minutes on hold several occassions since they provided no information about wait times or my place in line ). This is a deceptively low level of service only revealed to customers after they open the line of credit, and I think they just wanted to have me open the account without fulfilling their promoted offer and end of the deal. Further, they used my Fidelity investment account information to make the offer to me, so I tried calling that branch and they said that they can't help me at all and it's all Elan. I told them about the impossible hold times and they didn't care. I find this behavior borderline bait and switch and believe this could harm some consumers. 

Today, I was able to make progress on this issue, but it collectively has taken many hours of my time and seems borderline. Only because of my persistence and understanding was I able to navigate this. Note that I am not worried about their holding up their end of the deal for me, as much as I am worried about other customers. 
I am persistent and have wasted much time fixing this, but I doubt this will be true of their other customers. If the barrier is systematic this strikes me as a problem. ( I acknowledge I could have gotten incredibly unlucky in my interaction with them ).

However, their online reviews seem to suggest they have a history of this. For example : XXXX XXXX XXXXXXXX Thank you, 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 2020-12-16 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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-12-16 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: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: CA

Complaint narrative:
Due to me being a victim of identity theft .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my XXXX  , Transunion , and XXXX  credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX, XXXX, and Transunion credit report due to my identity been stolen.

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 2020-12-16 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: CA

Complaint narrative:
Due to me being a victim of identity theft .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my XXXX , XXXX  , and Equifax credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX, Equifax, and XXXX credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I attempted to extend myself a credit card through XXXX XXXX followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXX, Transunion, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.

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 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I attempted to extend myself a credit card through Capital One followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXX, XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I attempted to extend myself a credit card through XXXX XXXX followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, Equifax, XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
a process server tried to serve me with a summons and i was not there iam out of state i tried to get her to tell me who this collector was and wouldnt tell me just to call the court house i did said had nothing i know the dept is in with XXXX XXXX XXXX and lawyers r supposed to be working on it but said they dont have the summons cant do anything same with XXXX XXXX XXXX dont know where else to turn tried everything and XXXX XXXX XXXX not helping either they wont give the summons to anyone but XXXX XXXX and hes gone and i have power of attorney i tried to tell them if i have the info i can get this settled!! but i guess wont so i just dont know we are not anywhere to accept it just wish they get ahold of XXXX XXXX XXXX  or the lawyers at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a Wells Fargo Dealer Services loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and WFDS accordingly. The car was paid off with WFDS for the amount of {$7900.00}. I've got the confirmation letter from WFDS attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score.

I have already talked to two representatives from Wells Fargo Dealer Services about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with Wells Fargo and their bad reputation I am requesting the CFPB for help with this issue

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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I closed 2 loans with LoanDepot. Not only were these repeatedly delayed which cost me time and money, they were completed months after promised. 

Now I was notified that despite funds being put into escrow to pay my hazard insurance premiums, the hazard insurance premiums have not been paid. It is more than 30 days past closing. I have had to go out of pocket again to pay these insurance premiums so that coverage was not cancelled. 

It took over 2 hours on the phone after calls and messages through their online portal. I was told that a ticket to research the problem will take 3 business days and that there is no one to speak with to pay the hazard insurance premium. 

The agent I spoke with said he spends ALL DAY dealing with complaints just like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I received an alert that I had a 30 day late on my mortgage and I have never been late. the amount they are claiming is not even the amount i pay monthly. also, I have been in with mortgage company and dealing with an appeal about this and it is still going on but I have still paid my mortgage on time. I want this fixed immediately with all bureaus The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation. ... Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic.XX/XX/2020 I am not late!!! see attached

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 2020-12-16 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: FL

Complaint narrative:
There is an account listed on my credit report that I have no knowledge of. This was a result of theft or an error.

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 2020-12-16 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: GA

Complaint narrative:
I disputed some items that Experian has listed on my consumer report on XX/XX/2020. I received correspondence from Experian on XX/XX/2020, stating " the information was verified. 

On XX/XX/2020, I sent another letter to Experian again disputing the items and requesting their method of ( verification ) Validation of the disputed items. In the letter, I enclosed a copy of my social security card and Georgia Drivers License. I also sent the letter certified ( see supporting documents ) On XX/XX/2020, after receiving correspondence from Experian once again stating " verified '' but no explanation or documentation of the method used to verify ( validation ) the disputed items, I sent another letter to Experian clarifying that the method used to verify ( validate ) the items were what I was requesting. Again, I sent the letter certified ( See supporting Documentation ). 

On XX/XX/2020, I went and had a sworn affidavit drawn up stating the facts up until that point and had it notarized, and sent another letter to Experian demanding deletion of the unverified ( unvalidated ) items. Again, sent the letter certified. ( See supporting documentation ). 

On XX/XX/2020, I received an email from Experian stating " results of the investigation complete ''. I checked the results of the investigation and once again it stated verified or updated but no information or documentation on how the items were verified ( validated ). ( See supporting documentation ) At this point, I am reaching out to the Consumer Financial Protection Bureau because I feel Experian is willfully violating the rights afforded to me under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: A+ Loans, Inc.
State: GA

Complaint narrative:
A dispute letter was mailed on XX/XX/2020 in regards inaccuracies of the inquiries and the collection account from A+ LOANS. I did not receive any letter indicating that the information was accurately reported and verified. I sent a 30 day demand letter on XX/XX/2020 informing XXXX that I had not received any correspondence in 30 days and that the reported inquiries and collection account from A+ LOANS need to be deleted.

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 2020-12-16 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: GA

Complaint narrative:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I called the CFPB a few times and unfortunately must file this complaint. I called Discover the night I saw on the front of my phone the outrageous charge of XXXX and went in shock. I don't do fancy stuff for myself, and went to this spa, and this woman said it would be XXXX dollars. She charged me another XXXX or so for some XXXX pads, and I tipped her cash another XXXX dollars as well. She writes a receipt on an old fashioned pad and gives me a copy. She put some papers in a bag. She rented a room out of a doctors office and canceled on me numerous of times. The invoice was all scribbled on and had a row of numbers at the top. Nevertheless, Discover reused to acknowledge this was fraud, and filed it as inaccurate. They reverse the charge back to my card, and I contact them. I upload the receipt to them and spend all day on a Saturdays trying to email the receipt, finally I get it to them by way of the XXXX store 's fax. I call to confirm on Monday, and I am told after being told on Saturday if I get them the invoice, they will happily just come to a resolution and can see this was not right. The woman re-wrote her receipt and made the transaction of it instead of being XXXX to XXXX and I proved she inflated this whole transaction. The invoice numbers were forwarded too, and she backdated the new receipt. Discover still after speaking with a new person the following Monday decides to renege on their word immediately! I then was angry and decided I can't trust this company at all, and had to close my account. This has impacted my credit. Today, I also receive a personal loan for XXXX dollars as a courtesy, but Discover decides to block me from calling them on any of their numbers because I insisted on asking for their legal department, asking for their terms and conditions in which they refused to give, asking for a supervisor to call me back in which never did, asking for a formal complaint, and they refused to give me the headquarters address as well. Discover is full of fraud themselves and is not showing any transparency themselves. I have left a message on their attorneys line and this sparked an outrage from yesterday! I have worked in superior court many years and have filed thousands of documents and know exactly how to navigate a system. Their completely out of control. The more I called the more I found out they would just leave me on hold and never come back on the line. This is brutal and I have plenty of years of credit cards to know there is something seriously wrong.

Company response to consumer: Closed with explanation