vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Commerce Home Mortgage, Inc
State: CA

Complaint narrative:
Initially got a loan with Commerce Home Mortgage in XXXX. In XXXX Commerce Home Mortgage approached me with a proposal to resign the contract and change the terms and in return they will pay a one month payment for me. 
I did!! XXXX Commerce Home Mortgage sold my loan to XXXX and told me that there wont be any changes to the terms and payment amount. 

XXXX after they gave me a 3 months deferred option due to pandemic, they raised my payment from {$3400.00} to {$3700.00} when I asked them, XXXX told me that at the time of transferring from Commerce Home Mortgage, my escrow account was negative and I need to talk to Commerce. I have to add that during the 3 months that they deferred my payment I kept paying {$870.00} for my escrow account. I contacted Commerce and they sent me a letter telling me that when Commerce Home Mortgage asked me to resign the loan, they made a mistake and they apologized. Even though they didn't put the reason for the mistake in writing, when I actually talked to the loan officer who initially helped me, he told me that they offered you one month payment free but in fact THEY TOOK THAT PAYMENT OUT OF

YOUR ESCROW ACCOUNT!! Through the original loan officer I got in touch with Commerce regional manager and
explained everything to him and he promised that he is going to fix this problem and get back to me and I have been waiting for him to call me back for almost a year now. 

I don't know how but i XXXX after so many phone calls back and forth without any explanation my payment went down again with less than {$100.00} increase. In XXXX of XXXX, XXXX raised my payment again to {$3700.00} and all over again claims that my escrow account is negative. 
I am a head teller at a bank and my family are helping me to make this payment and might lose my home because I really don't know where to get {$300.00} more and can not afford anymore than what I am paying now. 
I am paying 6 % interest only and it is not enough for them and they want more. 
Please please help me. I have never been late or paid less than my payment. 
Please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: MO

Complaint narrative:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: PA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as these violations are not to be reported on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On numerous occasions I have requested that my personal information be updated and included proof, as I only report my name one way EVER! 

I have never gone by any variation of my name other than XXXX XXXX. 

I have never reported to any creditor, bureau or legal entity, my name in any other way.

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 2021-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recieved an email on XX/XX/2021 from Wells Fargo Bank regarding suspected fraudulent activity on my account. There was a pending XXXX transaction of XXXX dollars to a XXXX  XXXX  in the XXXX. I immediately contacted Wells Fargo to confirm this was fraudulent. I requested that they stop the transaction as it was pending. I was told that the transaction can not be stopped, that after the transaction cleared i would need to file a claim. Wells Fargo is in control of the transaction and knowingly paid the fradulent transaction, which makes no sense at all. They are the bank and should be fully capable of preventing fraud., or at least should be. I began reviewing recent charges and realized that there were numerous XXXX charges all that i did not authorize and were made fradulently.On XXXX XXXX i noticed there was a pending charge of XXXX on my account which I did not authorize this time i did not take no for an answer, I called at least four times before somehow the transaction seemed to disappear as if it had never even happened. My claim of XXXX was covered under the Wells Fargo Zero Liability Protection as specified on their website.

" Wells Fargo Debit and Credit Cards come with Zero Liability protection1 at no extra cost. You wont be held responsible for unauthorized transactions, so long as you report them promptly ''.

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 2021-08-12 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: GA

Complaint narrative:
Back on XX/XX/2021, I contacted Trans Union & submitted legal documentation regarding the 5 public records ( bankruptcies ) they have listed on my consumer report which Trans Union obtained from XXXX  XXXX. I informed Trans Union & provided documents stating that these 5 public records needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, Trans Union has refused to remove those accounts. At the same time that I contacted Trans Union, I also contacted XXXX XXXX directly and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX on XX/XX/2021 via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the 5 public records referenced on my Trans Union consumer report have now been removed from their database. Additionally, XXXX XXXX also responded via hard copy through the US Postal Service via mail dated XX/XX/2021, again stating that the 5 public records have been deleted / removed from their database. Therefore Trans Union immediately needs to delete / remove these now fraudulent public records from my consumer report within their database.

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 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On Saturday XXXX the XXXX at XXXX XXXX I drove my car to the Bank of America ATM near my house. I have banked with Bank of America for over 5 years. I live in XXXX, SC XXXX The ATM ID is XXXX. I tried to deposit my {$2500.00} check. It was sent to me by XXXX. It was my distribution of my XXXX XXXX. I put the check into the atm, it spit the check back out. I signed the back of the check and put it back in. The ATM said transaction canceled and didnt give the check back. The next morning at XXXX XXXX I called XXXX. The person submitted a claim and said I the amount would be pending in my account following an investigation and I should have access to the money after two business days. I am able to see the claim in my online banking app, but after two days since I the claim, no one has called me and I dont have access to the money. I am upset because the bank ATM destroyed my check for {$2500.00}. I worked really hard for that money and Im beginning to doubt if Ill ever get it. XXXX cant send me another check. If my claim continues to be neglected I will sue Bank of America.

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 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
I have contacted the office multiple times regarding my account, I am frequently told by the representative that # 1 there is a restriction on my account and # 2 I must speak to a supervisor. I provide the oral permission to remove any communication restrictions regarding the account, once this " occurs '' I am either transferred to a supervisor or their voicemail. No one ever calls me back. The last time I contacted the office, I was told to send an email providing a written statement to remove any account restrictions regarding communication. I have not received a reply to my email and when I called again, I was told that there was a restriction on my account still. I am confused as to why representatives are providing misinformation regarding removing the restriction while we are on the phone and thus have now moved to having me email to remove the restriction IF the task isn't going to be completed. I have contacted the owner of the account XXXX and the servicer XXXX and both companies state that contacting Stillman Law Office to remove the restriction is the only option. The representatives from both organizations do not understand why after numerous calls Stillman Law Office has refused to do their part. 

I have sent over multiple emails and a hosts of faxes to communicate with Stillman Law Office. I have contacted the office by phone a minimum of three times a month regarding the debt. After mailing a certified letter requesting to verify did I receive communication from Stillman Law Office regarding verification. All conversations, emails and faxes regarding resolving the account lead to dead in roads. I am instructed by supervisors to email over settlement offers, payment arrangements etc but I do not ever receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: CA

Complaint narrative:
I've been trying to dispute an account on my credit report since XX/XX/2021. The first the creditor verified the account as accurate however would not provide me with any additional information. I submitted additional disputes on around XX/XX/2021, XX/XX/2021, XX/XX/2021. I also mailed in supporting documentation via USPS certified mail on XX/XX/2021 and it was delivered on XX/XX/2021 XXXX. After I dispute it shows on my account when i log in and then after a week or so it disappears. I'm tired of getting the runaround for this dispute and would like a status asap.

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 2021-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I deposited money into my account last week on XX/XX/2021 for which I have a receipt for the amount of {$380.00}. I also had an additional amount already within my account for the amount of {$28.00}, for a total amount of {$400.00}. I transferred ALL of my funds to my savings account from my checking account within the hour, that same day to protect it from being drawn from before I pay off my bills. Before I can pay off my bills, on XX/XX/2021 I received a text message from Chime stating that my phone number has been changed on my account and to call the customer support number listed. I called said number only to find out v that because someone changed my phone number, I was unable to even reach a customer service representative!!! Can you believe it?!! So I had my husband, whom also had a chime account of his own, call the customer service center in order to speak to a customer service representative about my issue and possible account hack. After the longest phone call imaginable, I'm assured that they will TEMPORARILY freeze my account for me in order to pretect my funds until they are able to update both my phone number and email on my account so that I may access my funds within my savings account. However, even after they updated both my email and phone number, I could not access my account. I was told to email support at XXXX which I proceeded to do. A day went by and I heard nothing so I called customer service and they told me that they had up to 48 hours to respond to my request regarding an email back. So I waited yet another day. I did not, of course, receive a response. I sent ANOTHER email and yet another two days went by, with zero response. I called customer service once again, only to hear the same baloney, that they could do nothing for me and that ONLY the customer support through email could assist me. I explained that its been days, much past the time window quoted by two different service reps and asked to speak to a higher up. Their response is always that there is " no one else to speak to presently due to staff shortage '' and I can't imagine that that is true. If they mess up, I'm sure that someone has to take responsibility just like any other workplace ... So here we are, today is XX/XX/2021 and still I can not access my funds due to poor support from Chime. Please help me to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data Search NY, Inc.
State: MD

Complaint narrative:
I have contacted the office multiple times regarding my account, I am frequently told by the representative that # 1 there is a restriction on my account and # 2 I must speak to a supervisor. I provide the oral permission to remove any communication restrictions regarding the account, once this " occurs '' I am either transferred to a supervisor or their voicemail. No one ever calls me back. The last time I contacted the office, I was told to send an email providing a written statement to remove any account restrictions regarding communication. I have not received a reply to my email and when I called again, I was told that there was a restriction on my account still. I am confused as to why representatives are providing misinformation regarding removing the restriction while we are on the phone and thus have now moved to having me email to remove the restriction IF the task isn't going to be completed. I have contacted the owner of the account XXXX and the servicer TrakAmerica and both companies state that contacting XXXX XXXX XXXX to remove the restriction is the only option. The representatives from both organizations do not understand why after numerous calls XXXX XXXX XXXX has refused to do their part. 

I have sent over multiple emails and a hosts of faxes to communicate with XXXX XXXX XXXX. I have contacted the office by phone a minimum of three times a month regarding the debt. After mailing a certified letter requesting to verify did I receive communication from XXXX XXXX XXXX regarding verification. All conversations, emails and faxes regarding resolving the account lead to dead in roads. I am instructed by supervisors to email over settlement offers, payment arrangements etc but I do not ever receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2021 all three of my credit score accounts are reporting that I am deceased I am not deceased

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts. 

1 ) XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX XXXX XXXXXXXX

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 2021-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I have sent in the requested information and the item is still appearing. Why is it not removed? I have sent in everything that was required from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: FL

Complaint narrative:
Hello, I have sent in the requested information and the item is still appearing. Why is it not removed? I have sent in everything that was required from 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 explanation
Consumer complaint received 2021-08-12 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XX/XX/XXXX I attempted to get a new card from XXXX credit card services and 3 weeks later it NEVER came. I called and requested another card on XX/XX/XXXX and still has not come thru the mail. Also, I had not used my XXXX credit card since XXXX of this year and I paid it every month, and ON TIME, yet a few times that i attempted to use it at the checkout, the individual would say, " its been declined '' and that is the reason why I had NOT used it since XXXX of this year. 
A similar occurrence happened with my Barclay credit card. And on another event I received my statements from Barclay credit card with the numbers on the pages missing, for instance I received 6 pages, in which, several pages were missing. They were numbered like so, 1 of 1 ... 2 of 2..3 of 3 and so on ; however, 3, 4, and 5 were missing from my Barclay credit card statements. Not only that but the several times that i called in to make a payment, with BOTH Barclay credit card AND XXXX credit card, it was not usual protocol that I'm normally used to and the individuals on the other line sounded very suspicious ; also in the way they handled the phone call. Not protocol. Tell your XXXX that are on your team running the show behind the scenes in America, that I said, " XXXX XXXX XXXX!!!!!!!!!!!!!!!!! '' Thank yoo, sincerely yours, 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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts.

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX

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