vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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: FL

Complaint narrative:
XXXX requested a credit score/report from TransUnion. XXXX was unable to get the information required to complete a phone purchase. I contacted TransUnion attempting to clarify my account details. TransUnion requested that I provide my 6 digit secret number. I could not remember it ... and so the usual question/answer inquiry started ... and this is where there was a problem. The last of 4 questions was about a credit card limit obtained in 2014. Since I did not have a recent credit report ( from any agency ) I was not able to get my account freeze temporary lifted. 
I asked for another question - and was denied. As an XXXX XXXX XXXX XXXX, I happy that I can remember major and significant activities in my life but not the answer to " what was the credit limit of the credit card you took out in 2014 ''. XXXX. 
TransUnion suggested that I look to another Credit agency to get the information and call them back with the answer. Instead, I'll only purchase major items with companies that DO NOT deal with TransUnion. That will be my first question for purchases or agreements which require a credit check.

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 2021-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My payments are frequently not reflected on my account. Wells Fargo associates tell me that the funds were " returned. '' I submit proof of payment and it leads to an investigation that does not go anywhere. They frequently deactivate my ability to pay online. During a pandemic, I need to be able to use my mobile banking app to make payments. I do not have time to call them and spend hours on the phone trying to fix their mistakes. They frequently transfer my calls to other departments, I end up getting switched back and forth to the point where no one can help me. They are going out of their way to make it impossible for me to make payments on time. They are constantly threatening me with a charge off stating that I am not making payments and that I am not communicating with them. I am on the phone with them several times a month. I make the minimum payments every month. 

Today I have spoken to several people, including XXXX, XXXX and a man whose name I did not catch. They kept transferring my call, putting me on hold stating that they had to reach out to someone else, or disconnecting the call entirely. I have been on the phone with them for an hour already either on hold or having to call back because I was hung up on. 

This customer abuse during a pandemic is horrendous. This financial institution is a disgrace to the financial industry. Wells Fargo is actively engaging in fraudulent behavior and practices. They are doing everything they can to put student loan borrowers in default. My credit score is ruined thanks these practices. I have been trying to make payments and they are doing everything they can to make it difficult.

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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have refused access to online dispute to account that has been disputed before. After following another way to dispute via phone call. Experian never contacted creditor because I received letter about inquiry of account and it states that account is open with balance and good payment history. Experian has refused to update after they have received. They will not respond to emails and when I call I get the same runaround. This bureau is purposely manipulating my credit to show credit ratio is to high. Balance due with creditor but it is closed and that impossible. They refuse to include available 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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and SYNCB/XXXX XXXX and XXXXXXXX XXXX XXXX. The Account Opened is SYNCB/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : XXXX XXXXXXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Collection XXXX XXXX XXXX XXXX XXXX ) XXXX Utility sent the inaccurate informations more than 60 days ago : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$10000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX address was not previous as stated by XXXX : see attachments for proof :XXXX XXXX XXXX XXXX XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' 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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My Bank of America Debit card for Unemployment was stolen and all the money was taken out. I filed a fraud report and disputed the transaction, and after Bank of America did there investigation they found me not liable, and sent a letter stating that the funds we now permanent, well I still havent received those funds and my account is still negative 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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and SYNCB/NXXXX, XXXX, and SYNCBXXXX.. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$10000.00}. The Account Opened is XXXX  Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. The Account Opened is SYNCB/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX CBNA, and XXXX/XXXX.. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$10000.00}. The Account Opened is CBNA Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
On XX/XX/XXXX I was contacted by Harris & Harris, a XXXXbased Debt Collection Agency. 

XXXX from Harris & Harris called me on XX/XX/XXXX, and said I owed {$1000.00} from XXXX, XXXX, XXXX XXXX XXXX. I was taken unawares that I owed anything ( I moved multiple times in XXXX so they may not have had my address ). 

I called my health insurance on XX/XX/XXXX. They verified XXXX had 'no record of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX filing a claim so there wasn't a way for me to confirm whether I owed any of the stated amount. After speaking with my health insurance, I called Harris & Harris back to inform them my insurance is investigating my query with XXXX, XXXX, XXXX XXXX XXXX 

On XX/XX/XXXX, I called Harris & Harris back to ensure that they give me and my health insurance enough time to investigate the amount of {$1000.00}. I then requested a Debt Validation Letter. The agent told me that they received my debt collection on XX/XX/XXXX and a letter was sent on XX/XX/XXXX. I never received the letter and requested a new one be mailed or sent as a pdf via email. The agent mentioned she could get an 'itemized ' letter, but I said I needed the validation letter stating the collector 's name, why they think I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I contacted Amerisave on XXXX XXXX 2020, to refinance my house. I have XXXX FICO score, high income, low loan to value. The loan officer took all the information, provided me with a disclosure, 2.5 % interest rate and {$2400.00} for fees, took all my documents, and when I asked in XXXX to lock my rate and fees, he would promise on a weekly or daily basis that he is on it and it will be done in a day, in a week, then he started ghosting me. I contacted his manager, and he promised to remove the processing fees and the small partial point for all the trouble and lies his subordinate had given me, and to lock my rate within 3 days. This was based on the XXXX XXXX, and the original disclosure. He started then not to respond to my daily, weekly emails and ghosted me. Then I contacted the director, and he promised to honor the disclosure and to lock my rate and fees as was promised and apologized. He continued promising me this for another 2 weeks. Later another disclosure was presented with a different rate of XXXX and and $ XXXX of fees and when I asked him if this was a joke, he said this is what he can do. He provided a rate based on that day, instead of what he and his other 2 subordinated had promised. He said they learned a lot of lessons and they will correct those, but I do not believe anything he says. He just enables his subordinates to conduct in the same unethical manner and hurt any consumer for their own gain. I have all the emails, dated disclosures and unluckily, did not record the phone conversations. How can these crooks get punished and out of business for their unethical behavior and hurting consumers?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Keeping Capital LLC
State: NJ

Complaint narrative:
Keeping Capital, LLC XXXX XXXX XXXX. XXXX FL XXXX I agreed to work with this company about two years ago and initially paid over {$1200.00} and a monthly recurring payment of {$29.00}. Initially I thought I was getting positive results but soon found out conflicting information. The student loan was still with the previous provider and now also with a debt collection agency that Keeping Capital seems to be in contact with.According to Keeping Capital and the debt collection agency, my loan is in default, however, it's not in default with the other student loan service provider that I am working with. 

The last automatic payment that Keeping XXXX pulled was in XXXX. Since then, my debit information has changed and I have decided to cancel with Keeping Capital. LLC. I called and spoke ( XXXX ) with XXXX from Keeping Capital and expressed that I wish to cancel. She stated that it doesn't work that way and that I needed to make the XXXX payment if I wanted to cancel. She stated that I received the benefits for the month in the form of movie theater tickets and discounts. I have not received any movie tickets OR any other discount that the Keeping Capital representative stated this month or prior. 

I am requesting resolve in my effort to cancel with this agency. I called to attempt to cancel with Keeping Capital, LLC on XX/XX/2020 and I believe that should have been honored. I paid more than enough and I simply want to cancel. I do not believe that I should have to make a payment to cancel. Please help. Keeping Capital, LLC

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in XXXX I consolidated all my student loan debt with Wells Fargo, which included a pay off, from them to XXXX in the amount of {$30000.00}. 

Recently, I discovered that XXXX never received such payment and for the last several years I have been having to pay both Wells Fargo and XXXX for the total consolidation amount. 

Wells Fargo has been unable to provide me the information i.e when it was cashed or to whom, although they have provided me a check number and date of payment. I have asked on multiple occasions and they keep saying they will keep looking .... and now they are selling my loan to a new servicer. I need proof, of the chain of ownership in this matter. 

Thank you for your help 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 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/21, the Solutions Department from Comenity Bank called my cellphone about someone else 's debt that they assume to be my friend/family member. I do know this person, and they shared a revelation of debt, asked me to call them back, and requested the person 's contact information. All of this was left on my voicemail. 

When I called Comenity back, I was told by Comenity that they are legally allowed to share all of the above-mentioned information about this person 's debt with me ( based on the state she lives in and because they are internal not third party collections ) and confirmed that the person has a debt. 

When I spoke with a supervisor XXXX XXXX # XXXX XXXX about my concerns related to consumer privacy ( as it turns out I am a customer there, too ), she turned my concern into a XXXX  maze of confusion and was pretty nasty. She refused to follow-up on my concerns. 

Customers, beware!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint because XXXX XXXX XXXX XXXX, XXXX, Transunion, and XXXX has ignored my request for the documents their company used to to verify the account I have disputed. Being that they have gone past the 30 day point and can not verify this account, under Section 611 5.A of the FCRA- they are required to " promptly delete all information which can not be verified. '' that I am disputing. Please resolve this as soon as possible. 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 2021-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I was late on payment in XX/XX/2020 due to coivid I was in the hospital with covid I asked them for help and they agreed but they never followed through the agreement!!!

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 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XX/XX/XXXX, I went to make a purchase to XXXX and BANK OF AMAERICA canceled the transaction and placed a hold on the card alleging fraud. I called them and told them I was buying groceries for my family and they still stated the card would be placed on hold and they did not allow me to purchase my groceries. I kept calling everyday as I needed my money to buy groceries and within a few days they stated they had closed my account. My account at that time had {$1800.00}. They stated they had closed my account and that they would be sending me a letter explaining why and would mail me a check for my remaining balance. I went into a Bank of America branch in XXXX XXXX as I do not have a branch in my city. They told me I had to wait to get my check in the mail. The days passed and I kept calling and every time I would get different responses and stating their were claims submitted and that those were pending before a check would be issued. In XXXX my employer direct deposited {$300.00} to my account. I received a bank statement from Bank of America stating that as of XX/XX/XXXX my ending balance was {$1800.00} with an account that had been closed. I kept calling almost everyday to see when my check would be mailed and they stated it was pending because of claims I had made. I never made claims, all I wanted was my money. I have small children with medical needs. at one of the phone calls I made Bank of America told me on XX/XX/XXXX all your claims will close and a check will be issued. I called on XX/XX/XXXX to see if check had been issued and they told me that my account was negative and no check would be issued. How can the account be negative if it had been closed for months and no transactions were being made?

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