vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Contacted Wells Fargo to refinance my home Mortgage in California. I have paid my Mortgage on time for many years. Went through the application process and submitted my 2018 tax returns. Was a struggle communicating with a Home Mortgage Representative weeks went by before a returned e-mail or phone was done. My application was denied because of my income. I feel I am being discriminated against because ( 1 ) I am a Woman ( 2 ) I am XXXX XXXX. I offered to submit my Bank Statements to validate my income and told the Representative I had no problems paying my Mortgage during Covid 19. Please Help me I should be able to refinance at a lower rate without any 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 2020-05-13 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: ONEMAIN FINANCE CORPORATION
State: LA

Complaint narrative:
Several times, I notified OneMain Financial about this account. I emailed the President/CEO of the company and VP to request to have this account removed from my credit report. I've showed more than enough information explaining that this company stole my vehicle by having it towed instead of returned to me per previous correspondence saved on this site. This company has not only reported late payments, but also tried filing a repossession against me. How can you file a repossession when their XXXX XXXX, La branch manager had my vehicle towed and the company refused to locate it and return it to me as promised ( again in previous correspondence ) on this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Back in 2016, I discovered my son 's father had being using my credit card and putting it back into my wallet. I had no idea about the transaction until I went to make a purchase and the card was declined at a store. I contacted Capital One and told them those purchase were not mine and that it was a possibility that based on the type of charge and the time that my former boyfriend was using my card. During that time those purchases were made I was at work and there is no way that I could make those purchases. They told me I couldn't dispute any of the charges, because I knew the person who did it. Then they took me to court to sue me causing the bank to freeze all of my bank accounts. I finally got my accounts unfrozen, but this is a permanent stain on my credit report. Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank Mastercard accepted my payments over the phone from my bank accounts, but did not credit them in a reasonable period -- even though my bank informed me that the money had been paid immediately to Citibank. During XXXX I made 2 large payments ; Citibank told me that I had to wait 2 weeks ( until XX/XX/XXXX ) for the payment to go through, even though they had received the money immediately. I was denied credit at several places of business and my utility bills were not paid either via the Citibank credit card as well. This was dishonest, unethical and unfair on Citibank 's part. They were taking advantage of the situation and could easily have checked to see if a deposit was made -- but instead, kept my money without crediting it for weeks.

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 2020-05-13 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a credit card from XXXX Citibank/Citicards for more than 4 years, I have this credit card on a payment program, due to COVID-19 situation I was not able to make the payment for the month of XXXX And XXXX, I called the company XXXX XXXX XXXX on XX/XX/XXXX explaining my financial situation because the hours on my job were reduced due to COVID -19 and it had a big impact on me economically. The company XXXX XXXX XXXX said they would give me deferment on the payments because they understood the current situation With the pandemic, they also stated I had to communicate with the back which was Citi to let them know my current situation which I did on XX/XX/XXXX, and Citibank offered me deferment on payments for the month of XXXX, XXXX and XXXX and no late fees would be provided or reported to my credit bureaus. A week later they reported it to the three credit bureaus as late for more than 30 days, which is unfair because they provided me a different information. 

I am a very responsible person with a credit history for more than 6 years and I have never had a late fee or payment on any of my accounts. 

The CARES ACT law signed on XX/XX/2020 states that any lenders should provide deferments on loans or credit cards and dont report any delinquency on peoples credit reports. 

I filed a dispute and spoke to the bank and they denied on giving me that information on the deferment on XX/XX/XXXX. 

I am seeking help so this can be resolved as soon as possible, I am willing to pay off the balance of this credit card in XXXX but I need this information to be deleted from my credit report.

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 2020-05-13 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I XXXX XXXX have tried through three separate mail requests to obtain a copy of my Equifax report. I did receive a free annual report from XXXX XXXX and XXXX, but need my Equifax report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2019, I recieved a text message on my phone, Inviting me to apply for a job XXXX XXXX XXXX XXXX by means of a XXXX XXXX XXXX XXXX. They pay offers was {$1000.00} per month for 1 year. 
On XX/XX/2019 I recieved a check for {$3900.00} by XXXX XXXX, I was asked to deposit the check and withdraw, {$3.00}, XXXX cash and pay the XXXX XXXX, and keep the rest for my advance payment. 
The next day, XX/XX/2019, I was excitedly reported to my boss, and told me I was being scam. The same day we went to the bank and reported it and make the deposit stop. MY bank was bank of America. They called costumer service and made it stop. 
The next, totally unwarranted, action by Bank of America was to close my checking ang saving account for fraud and reported fraudulent activity to XXXX and XXXX XXXX XXXX. Please help me in this matter, I have tried opening bank acct and I always get decline. I am a single mom with XXXX kids, all I want to do is to be able to provide for my kids, not knowing this will happen to me.

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 2020-05-13 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: TX

Complaint narrative:
all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent my dispute letter to TransUnion on XX/XX/20.I attached it to this complaint I has been well over 60 days and I have not received any response about the negative finding on my credit report.

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 2020-05-13 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: CA

Complaint narrative:
I recently checked my Experian credit report. In doing so I noticed a delinquent bill claim from the company ( XXXX ) I called that company to inform them that I have never had a contract with them. When I gave the rep my name and number ( nothing came up ) after going through my info, finally I was patched over to a supervisor and he asked for my number. When he put my number in a account came up belonging to a female. I informed him that I have never had a account with them. I placed a dispute and the investigation determined that I have a account. Asked for the contract and I was refused access. He then told me that it stem from a purchase from XXXX. I informed him that I was a store XXXX for XXXX for 18 years and that I would contact them and 3way affirm on the call. XXXX refused to join in on the call. I contacted my old employer and received my purchase history and it reflect that I havent purchased anything on XXXX since 2017. I emailed that information to affirm and they still insist that I made the purchase. XXXX my old employer will provide any information needed but XXXX refuse to contact them. I am a victim of breach of information. XXXX refuse to provide me with the contract number so that I can have XXXX provide the number to the person whom have the account. I gave the same information to Experian and both companies refuse to resolve 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 2020-05-13 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:
all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX/XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXX.Details XXXX/XXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder 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 2020-05-13 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: TX

Complaint narrative:
all filed ftc remove the attachment Report Number : XXXX Date Generated : XX/XX/2020 print iconPrint Your Report Potentially Negative show tooltip button XXXX/XXXX/XXXXDetails XXXX XXXX/XXXXDetails XXXX XXXX XXXXDetails XXXX/XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDetails XXXX/XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXDetails XXXX XXXX XXXX.Details XXXXXXXX XXXXDetails XXXX XXXX XXXXDetails XXXX XXXX XXXXUnder 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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: VA

Complaint narrative:
I received a Cash App debit card ( which is a logo trademark of Square Inc. ) which I did not sign up for. I received it in the mail on XX/XX/2020. I do not want this account and I want it shut down. I did not authorize an account to be open. I tried to call the company and they have no telephone support and the message says I need to go online. How can I go online if I have no account set up!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Several times, I notified XXXX XXXX about this account. I emailed the President/CEO of the company and VP to request to have this account removed from my credit report. I've showed more than enough information explaining that this company stole my vehicle by having it towed instead of returned to me per previous correspondence saved on this site. This company has not only reported late payments, but also tried filing a repossession against me. How can you file a repossession when their XXXX XXXX, La branch manager had my vehicle towed and the company refused to locate it and return it to me as promised ( again in previous correspondence ) on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CA

Complaint narrative:
i have disputed several transactions with XXXX since XXXX of this year and have been unsuccessful to get back any of my money. 
XXXX has repeatedly switched the amounts and fails to clarify the denial of my claims. XXXX has also been closed and unable to reach on multiple occasions to try and protect my funds and was unable to due to there not being a representative to speak with. 
XXXX has not asked for a statement at all regarding the transactions in question and has denied my claims stating that there was no error even after i had insisted i have receipt and cancellation evidence for some and also i had been issued two cards without my request and later was blamed for the transactions i disputed since i was still accessing my account with my other card. XXXX  would deactivate my card and then block it and prevent me from accessing my funds. i would reactivate it and later again it would be declined. i have requested only to receive written response from XXXX  but they havenot sent me any documentation via usps. they continue to send me over twenty messages via their inbox online which i can not understand since htey have changed the amounts and gone back and denied then sent me a message saying they are investigating my claim and have received documentation i sent. which is not true i didnt send anything except usps via priority mail where i requested only written communications.

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 2020-05-13 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I spoke with this American Express on XX/XX/XXXX to cancel the credit card since i was alerted a fraudulent charge was made at XXXX XXXX, on the same date i canceled my card. I was a victim of RFID Chip reader device, i thereafter purchased RFID sleeves for all my cards in my wallet, because i was a victim of RDIF card reader, while on the XXXX XXXX to see my family. 

I filed a police report, and went to the store my self, this was not resolved despite my due diligence. XXXX XXXX, could not provide a signature for the sale or camera footage of the individual claiming their camera was off. p I worked with a detective that failed to complete the investigation. I was issued new credit cards the day this happened upon my own request, but the charge was not removed! 

Furthermore, my Mother died of XXXX during this pandemic, I alerted AMERICAN EXPRESS, of both the financial hardship and my loss, that i would make a payment as soon as possible, i have ALWAYS been in good standing since opening my accounts in XXXX. Despite my efforts to work with me, under this awful global crises, American Express breached fair debts collection acts and proceeded to harass me, both through 1 - 800 numbers, ( which i still answered and reexplained my current circumstances ) and under standard telephone numbers like XXXX. Hiding the identify of collecting debt. I pleaded to maintain the integrity of my account, until this pandemic passes- instead American Express took actions taken against me by canceling my accounts and sending me to a collections agency even though I paid as soon as I could on XXXX XXXX to get my account current!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After receiving a verbal approval of creditworthiness and a {$250000.00} credit limit, I was informed by XXXX XXXX XXXX of Chase that the credit limit would be reduced by {$150000.00} because of my XXXX  's receipt of a CARES act SBA loan. 

It is extremely likely that the loan will be forgiven. This likelihood is of no interest to Chase, and they are making the assumption that the entire loan will need to be repaid by the XXXX  and deducting that amount from funds available to service the HELOC. Furthermore, Chase is only looking at the potential liability side of the XXXX  as they seek reasons to withhold credit. I want CFPB to know that Chase is erecting barriers to lending, mid-application, impeding small business owners ' access to credit at a time when all government policies are focused on availing credit to US residents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
All these accounts are closed and should have not negatively impact my credit score. My credit went Down XXXX points because of this negligence I need someone to personally email or fix this issues on my credit score because this is wrong on all parts. My credit was at XXXX then went down to XXXX Im very upset please fix this error

Company response to consumer: Closed with explanation