vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are credit inquiries that I did not authorize on my credit report. I have informed the credit bureaus if this that these were not authorized, but Equifax continues to refuse to remove these inquiries. The inquiries that I did not authorize are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: DISCOVER BANK
State: FL

Complaint narrative:
I had a credit card with Discover Credit Cards and it was closed because I didn't pay. Discover took me to court without my knowledge and I they garnished my paychecks. I explained to them that I got a separation and I was paying child support. And if they could placed me in a payment plan since I got a new job, and they were not able to help me. This happened around XX/XX/2019 and by XX/XX/2019 I had the balance paid off, including additional fees that they added into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I received a letter a few years ago from CREDITORS DISCOUNT & AUD about an outstanding debt that was being collected. I did not recognize the debt and had no idea what the letter was about - to my knowledge I did not owe anyone any money, and I had not been contacted by any party about a missing payment. 

I called the number provided in the letter, and spoke with a customer representative. I told her that I was disputing the payment since I did not recognize it. I also asked for additional documentation, saying that if indeed I had missed a payment I would be happy to pay, but that I needed more information to verify what payment this was about, from when, and whether it had not been settled. She told me my dispute was recorded, and she assured me that there would be no adverse effect for me or on my credit scores. I never received any further communication from the debt collecting agency, and I have not received any further information regarding any missed payment/amount owed. 

A few days ago, I applied for an auto loan and given my 800+ Fico score ( I pay off my credit card balances on time ) assumed it would easily be approved. But when it was rejected, I looked into my credit reports and found a collection reported. I still do not know what this is about, I have not received any information or communication regarding it, and I suspect I have been subject to fraudulent activity. I have disputed the collection with the credit rating agency ( XXXX  ), but would appreciate help finding a solution to this.

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 2020-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
On XX/XX/2020 I sent {$570.00} through XXXX XXXX XXXX banking app using Zelle to a person claiming to be XXXX XXXX for a firearm purchase which he was then supposed to take to a Federal Firearm license holder to do a transfer across state lines. This is the law. I never received the firearm, it was never transferred. The picture of his driver 's license he sent was an obvious fake which is when I started the claims process. I started a fraud claim ( XXXX ) XX/XX/XXXX if memory serves me. XXXX XXXX has since never contacted me or responded through email or phone. I have his contact info still saved. 
His # is XXXX Email is XXXX XXXX # for his zelle account is XXXX XXXX XXXX. 
Transaction reference number is XXXX. 
I have tried going through my banks fraud department but claim was refused and said at this point it is a legal matter. I can not get any form of contact from zelle. I have spent part of the morning talking with XXXX XXXX XXXX XXXX department with no progress made and the matter not settled. I attached the conversations we had pertaining to this. I have the conversation saved. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a call from someone who identify as a officer of Social Security Adm. It was a scam, but at that moment I didn't realized it. The person made me send all my money from a savings account ( {$15000.00} ) to a XXXX XXXX  by wire transfer and all my Credit Card from the same account {$11000.00} transfer to a gift card and send it to them at the same time by picture in a text. I loosed all that money and made claimed report to the bank and credit card department.. but as it was authorized from me, they did not accept the claim. I told them, that I understood, but if there was any chance that they could help me with the interest of the credit card.. My credit score was very good and because of what happened now is poor and truly it's frustrating because of ill-intentioned people. I filled a complaint with the police # XXXX, aldo with the FBI and with the Federal Credit Comision. If there's anything you can do or help me with, I will appreciated. This has damaged any plan I may have for the future and has damaged my credit scores that's even worse. I will appreciate your help and will be attentive to your answer.

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 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
( Original Complaint Sent to NewRez - Shellpoint on XX/XX/XXXX ) from : XXXX XXXX XXXX to : XXXX date : XXXX XXXX, XXXX, XXXX XXXX   subject : Removal Erroneously Applied Late Fees by XXXX XXXX   Which Transferred to NewRez Account XXXX XXXX mailed-by : XXXX To Whom It May Concern, I recently PAID-Off my New Rez Mortgage in XX/XX/XXXX, which feels Wonderful ... HUUURRAY! However, on my former XXXX XXXX which transferred to New Rez in XX/XX/XXXX, XXXX erroneously applied ( 2 ) Late Fees to my account. The following details are provided : 1st Late Disputed Charge : On XX/XX/XXXX, I registered a new Online XXXX XXXX  Account, then made my 1st Monthly Payment in the amount of {$2500.00} using the XXXX Online Payment System. I received a letter from XXXX on XX/XX/XXXX that the payment was returned unpaid. When I checked with my XXXX XXXX   XXXX XXXX, I was informed when XXXX submitted the payment the account number was missing the last ( 9 ) of my XXXX Account # Ending in XXXX. Upon learning of the error on XXXX 's part, I immediate issued a subsequent payment. My XXXX XXXX Account was charged a {$98.00} Late Fee ; in spite of my typing the correct information in the XXXX Online Payment System. Hence, I am requesting that XXXX waive this Late Fee, immediately. - I thought that XXXX had removed this Late Fee Charge. 


2nd Late Disputed Charge : On XX/XX/XXXX, I made an on-line payment directly on the XXXX XXXX  Website in the amount of {$2500.00}. However, XXXX did not draw the funds from my checking account until XX/XX/XXXX. I was erroneously charge me another Late Fee in the amount of {$98.00}. Refer to the following snapshot of my checking account. 


XX/XX/XXXX XXXX-FINANCIAL TYPE : MORTGAGE ID : XXXX CO : XXXX-FINANCIAL {$2500.00} {$0.00} {$2500.00} Hence, I am requesting that NewRez remove these Late Fees from my account immediately and release my Property Deed for XXXX XXXX XXXX, XXXX, MD XXXX, ASAP. If there are any questions, I can be reached on XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
On/about XX/XX/2020 I refinanced {$100000.00} in private student loans with XXXX XXXX, previously held/services by American Education Services ( Account # XXXX ), resulting in a negative balance of ( {$2200.00} ). 

On/about XX/XX/2020 American Education Services ( AES ) issued a credit/refund in the amount of {$2200.00} to XXXX XXXX, who is not the account holder, nor associated with the account in any aspect. 

I contacted AES via website inquiry about the refund of the negative balance as was informed that checks were sent to XXXX XXXX. I then contacted AES via the website chat feature and was informed that AES policy is to issue the excess payment back to the payer. That language is not written in any of the loan documents for those loans serviced by AES. AES states that XXXX XXXX will credit the balance of my new refinance loan, but that language is not written in the loan document between me and XXXX XXXX. 

In addition, AES confirmed that the total amount refunded is {$2200.00} ; which is ( {$6.00} ) less than the actual negative balance then on the account of {$2200.00}. 

I am lodging this complaint to ensure this money is accounted for, and moreover, that AES has fraudlently refunded money ( and witheld some portion of the refund for their own gain ) from an account to someone other than the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Problems with Equifax -- ( 1 ) Unable to lift credit freeze on my account ; ( 2 ) Unable to access my online account at <myEquifax.com> : My credit account is frozen because of a major identity theft problem in the past. However, I needed to temporarily lift the freeze so that XXXX XXXX could run a credit check. I tried initially to do this online but the Equifax website would not accept my user name and password ( which have been recorded on a spreadsheet and have never changed ). After going through a much more tedious phone process, I was given a 10-digit confirmation number and told that my account would be open after 1 hour. However, when the merchant queried my account ( after 1 hour and again after about 20 hours ), they were still unable to complete their inquiry because ( according to their rep. ) the account had been locked. Because it was the weekend, I had to wait 2 days before going through the process again today ( XX/XX/20 ). This morning I reached another phone rep. ( to whom I again provided detailed personal information ). The rep. " verified '' my information and said he was able to unlock my credit information ( confirmation no. XXXX ) but needed to transfer me to another rep. who would assist with unlocking my account. However, the connection was lost during the transfer and I had to call back ( and wait on hold ) again to reach someone who could assist with online account access. I gave that rep the identical identifying information that had just been " verified '' by the prior rep but was told by the online support rep that it couldn't be accepted. I repeatedly offered to provide whatever additional identifying information necessary to restore access to my online Equifax account but was told that wasn't possible and that I needed to send copies of my drivers license and social security card to Equifax. I then requested transfer to a supervisor and, after additional waiting, was connected with XXXX ( ID # XXXX ) who only parroted back the same information. I then requested transfer to a manager and, after additional waiting, was connected with XXXX ( ID # XXXX ) who queried my record, said she was able to access the necessary identifying and account access information that would enable her to restore my online account access. However, after another long phone hold, XXXX came back on the line to tell me that my blocked online account access was actually due to a " technical problem '' that had to be escalated to the Tech Support department. She generated an escalation request ( Case no. XXXX ) and told me that I would receive an email from the tech support department within 48 hours which would include an explanation for the problem and detailed instruction regarding how to reset regain access to my Equifax online account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was checking my credit report and I have noticed on my history address there is an address from XXXX XXXX, NY which I've never been to New York.

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 2020-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was in a motorcycle XXXX in 2019 XX/XX/XXXX. I lost all my cards and identity so after waking up from a coma i have gotten reports that fraud activity been identified on XX/XX/2019 that wasnt me because i was in the hospital. On the other i contacted my bank and told them it wasnt my transition No amount was taking but my account was closed and i cant reopen my account or open an account. Also with my chase someone took a XXXX dollars out my account. I reported identity theft and try to call each bank to resolve this problem.

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 2020-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo turned down my loan application due to " accepting Covid-19 relieft '' which I did NOT accept or request, nor did I use. Previously I had a near impossible time getting a return phone call from my mortgage representative. Once I finally reached her supervisor, I wasn't given the same reason for my denial. Now it was they don't offer the type credit I requested. Which is 100 % isn't true. I'm fairly confident that my persistent follow up and their lack of communication resulted in them not wanting to do business with myself, but that lacks a business reason and I feel I wasn't given proper or fair consideration.

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
There are credit inquiries that I did not authorize on my credit report. I have informed the credit bureaus if this that these were not authorized, but XXXX   continues to refuse to remove these inquiries. The inquiries that I did not authorize are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GM FINANCIAL  XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD Credit Card # XXXX XXXX XXXX XXXX I was trying to use my TD cards the last few months but was not able to. After trying for a few months on getting through customer service, finally I was able to get through on XX/XX/XXXX. I was informed by customer service the account was closed and they could not do anything. I have been a long time TD customer, I never have received any notice regarding this account closurer. This is absolutely astonishing given the Cov19 crisis that I'm trying to use this credit card to purchase daily essentials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11 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: MD

Complaint narrative:
The XXXX XXXX XXXX transferred our mortgage to another servicer. They then reported our account as delinquent for over 30 days even though we no longer have an account with them. 

They failed to correct the issue after claiming they would. 

Then they failed to address the issue when I called in again.

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 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
on XX/XX/2020 and XX/XX/2020 I filed a dispute with transunion. transunion fail to reply with 30 days. please can someone help me, these items are causing harm to my credit report. according to the FCRA section 609 they are in violation

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 2020-05-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Today, XX/XX/2020, I tried to temporarily lift my credit freeze with Equifax, as I need to finance a new furnace ( mine broke and it is still getting below freezing at night where I live ). I had frozen it years ago and still have the 10-digit pin number they gave me for personal identification for when I need to lift or temporarily unfreeze my credit. I tried to create an online account with them, but Equifax 's website gave an error that it failed to contact their servers part way through me setting up my account. It would not let me back in to finish, only telling me that I had to call customer service. I called Exquifax to temporarily unfreeze my credit, and they asked me all sorts of personal questions to verify my identity. I answered everything correctly, including details on my mortgage, car loan, and one of my credit cards. They then asked for the date that I first set the credit freeze. I had set the freeze up years ago and only have the 10-digit pin they told me to save, they never told me to save the date. Equifax is now telling me that they no longer accept the 10-digit pin, and I am locked out of my credit until I mail in physical forms of identification. They will not even let me finish setting up my online account until I mail in my information. Preventing me from accessing/unfreezing my credit is going to delay me getting financing for a new furnace and heating my house, potentially putting my property at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX a late payment showed on my account for a account that was closed a year ago. I contacted the bank and she advised me that it wasnt true and thats not what they provided to the bureau. I contacted the bureau and so did the bank because they know Im in the middle of home buying process and a late payment is not acceptable with fha within a year. The bureau assured me and the bank that the payment would be removed and it was a error on there end. Well a month later the late payment is still showing and I had to renew my lease and had to stop my home buying. I tried to contact the bureau many times and this is heartbreaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I received a visa debit reward card for participating in an interview with XXXX in the amount of {$420.00}. It was issued through the Bank of America on XX/XX/XXXX. It had a good through date of XX/XX/XXXX. When I tried to access the funds on XX/XX/XXXX I was told that the funds were forfeited as it was after the XX/XX/XXXX date. I called the number on the back of the card Bank of America ) and they also said the funds were forfeited. When I asked for them to reissue the funds or a new card they declined. I thought that these cards ( from a financial institution ) didnt expire for at least 5 years after the issue date despite what was said on the card itself. ( Two years is a relatively short amount of time to have access the value of the card ). The Bank of America representative declined allowing me to speak to anyone else or appeal this. The money is a significant sum for services provided and I fail to see why the bank can simply reclaim the money that was paid to them by XXXX. Please help me to reclaim this money. 
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 monetary relief