vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On the evening of XX/XX/21, I logged onto my online Wells Fargo portal and was shocked to see a late mortgage payment. To my knowledge, the account was on autopay from a linked Wells Fargo checking account, just as it has been since the inception of this mortgage. I immediately paid the past-due amount and re-initiated autopay in that moment. 

Subsequent communication with customer service resulted in a false accusation that I previously disabled autopay via the online portal. I did not this action and there is no written or digital verification of this action. I keep a very high cash balance in my Wells Fargo checking account and would have no reason to sabotage my own credit or banking relationship. I asked why Wells Fargo hadnt attempted to contact me directly before levying late fees and reporting the late payment to consumer credit bureaus. I was informed that the only attempts to contact me had been made via unidentified XXXX numbers who do not leave voicemails. I received no written communication via US mail as of that date, email, the secure Wells Fargo online message portal, text message, or voicemail. Yet, in the absence of any real communication, Wells Fargo found no issue finding time to impose late fees and report a late payment to consumer credit bureaus. 

After disputing the late payment reporting, Wells Fargo has refused to amend the credit reporting despite the fact that they are directly responsible for the late payment. They keep referring to any basic dialogue or customer service as " a courtesy. '' Their actions feel shady at best, and are designed to work against the customer 's best interests.

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 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have applied and received small business credit card with Sun Trust Bank with 12 month interest free offer and signed up for e-statestement. 

Due to covid conditions, i couldn't see their postal mail sent with credit card bill on time in the first month of making a purchase. The credit card portal doesn't have a way to pay the balance in it. I have to pay from my other account using bill pay, which causes additional delay in posting the payment. 
Later i reached out to the customer service and explained the situation and requested waiver on the fees and setup a payment every month with the assurance from the customer service representative, i would not incur fees or financial charges and my interest fee offer is reinstated. 

I continue to get postal mail statements with interest charges, but after logging into the credit card portal i saw my balance and fees were XXXX ( see attachment ), assuming that the system adjusted fees based on what the customer service representative told me in the call. 

I continue to get statements with interest and fees for the remaining balance, i called the customer service again to check if interest and fees were charged to my account, the person on the call confirmed, charges were occurring every month and they asked to reach out my branch to resolve the issue. 

I reached to the branch, with the same information. I was asked to wait until an internal enquiry on this matter completed. Today i was told, the interest charged on my account can't be refunded but the 0 % interest offer can be reinstated. 

I am frustrated with the banks approach towards customer, by not providing clear details in the call and gave wrong assurance that interest will not occur and credit card portals showing XXXX balance over the past months caused financial loss and stress to me. 

My statements above can be validated with banks recorded conversation that they have with me and the attached statements from credit card portal.

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 2021-06-23 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: WA

Complaint narrative:
Summary : Equifax is blocking me from accessing my account ; when I try to go through their verification process, they ask me questions that don't apply to me. I think there is a problem in their file that has me mixed up with someone else. 

Long version : I have a credit freeze through Equifax. Today ( XX/XX/2021 ), I attempted to temporarily lift the freeze. I am unable to access my online account ; when I try to log in, I get a message asking to call their Customer Care team. When I call the listed number, I go through a long, automated phone tree process that includes identity verification. When I get to the end ( after a full 10 minutes of answering questions ), they tell me that they're unable to help me but I can fax or mail them some documents. No clear instructions on what documents or how to give context. 

I've run into this several times in the past ( at least twice in previous years ) when attempting to verify my identity. I'm able to successfully provide correct information about my current and past addresses, etc, but eventually get to a series of questions about loans. They ask me questions about auto loans, student loans, and mortgage loans that they believe I've held. None of the questions apply to me ; Ive never held any auto, student, or mortgage loans. I answer " none of the above, '' but at the end of the questions, get directed to this mail/fax situation. 

At first, I thought that maybe someone had stolen my identity and opened fraudulent loans. However, my credit score and credit reports don't include any incorrect information that I can find. In addition, I've never run into this problem with XXXX or XXXX. As best I can tell, Equifax has some kind of internal database issue where they mix up my file during the identity verification process, but not during normal credit checks. 

I can provide copies of my documents to verify my identity, but don't want to send this information out into the void without speaking to someone first to make sure I'm doing it correctly. I have never been able to talk to an actual human who works at Equifax on the phone, no matter what numbers I call or what options I select on their phone tree. This problem crops up every time I try to use Equifax, either online or via the phone, and has continued over the course of several years. 

Please help me resolve this issue! I have no idea what steps to take next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Account # XXXX was closed. We received numerous from their collection agency. We paid it off on XXXX XXXX. They harassed us to pay this bill. We paid XXXX XXXX and they told us that within 10 days we would have the information updated on our report. That was not true. When we tried to speak to capital one about this, they said they have nothing to do with it. Now Capital One is holding our money and acting as if no payment has been received by them. They received the funds on the XXXX from XXXX XXXX. Our credit is being hostage even though we have paid this off. They are not updating our credit report on time. They said they clear this up within 30 days but that is not true. They say and do anything to get money from clients but then hold those funds and not report that accounts are closed. They are updating 60 to 90 days after the fact even though the money was received immediately. Someone should investigate Capital One AND XXXX XXXX for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
i am a XXXX  posted in USA for XXXX years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries? 

Portion of my credit score is also including student loan and mortgage loan but i am not a XXXX XXXX  and never took these loans. 

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.

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 2021-06-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
i am a XXXX  posted in USA for XXXX years. 
how can i have a credit history in USA? 

As i am new in USA i have to apply for lot of services including cards than why i am being declared culprit for having lot of inquiries? 

Portion of my credit score is also including student loan and mortgage loan but i am not a XXXX XXXX  and never took these loans. 

i am here since a year and never miss a single payment of my cards/utilities bills than rejecting me on the basis of short history, number of inquiries and non having of loan records is Cleary a discriminations on the basis of a race.

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 2021-06-23 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: NY

Complaint narrative:
NO RESPONSE from the bureaus at all. 

XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
Purchased an XXXX store card in XXXX and from XXXX the holding company / bank has not returned any calls or provided paperwork on the card. While attempting to close this card, the company has charged off the amount, the action being without notice to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX made an unauthorized charge to my SquareCash Visa for {$98.00} in XXXX XXXX AZ XXXX I had not been in that area for over two weeks, nor did I make an online purchase with XXXX. I noticed the fraud charge two days later when my card was declined and checked my account history to find out why.

SquareCash does not dispute transactions for you, they tell you to contact the merchant to resolve fraudulent charges. Later that day I called Targets corporate helpline that deals with security issues. The associate informed that the person to handle the issue had left for the day & to call back the next day. I did and they opened a case to investigate the fraudulent charge. I followed up Monday the XXXX per their instruction and after being transferred to someone I was told there was nothing they could do for me because there was no history of the transaction. 
I then returned to the SquareCash Support and sent an email XX/XX/XXXX requesting they correct the fraudulent charge. They responded the following day with brief instruction on how they will proceed, then I got another follow-up the XXXX with further instructions and questions about the fraud. I responded the XXXX and again the XXXX and have not heard any response since. Im concerned that no will fix this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Upon checking my credit report I noticed some accounts on there that I did authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: CA

Complaint narrative:
The important and pertinent information are all in the 2 attached documents. Please review the letters and act on them by contacting the credit reporting agencies poste haste. The three major credit reporting agencies, besides others, have no regard for consumer or federal laws. These goliaths are arrogant and well-capitalized and their actions or lack thereof are bordering on what can be considered evil ; their lobbyists draft bills, which later become laws, in their favor while still flouting many laws despite the fact that they were created with a great degree of unfairness to the consumers.

The three credit reporting agencies refuse to right the wrongs on my credit reports.

All I require is that the credit reporting agencies immediately delete the derogative credit/finance entries listed below ; 1. XXXX XXXX XXXX : Closed Account # XXXX 2. XXXXXXXX XXXX XXXXXXXX : Charged-off/Closed Account # XXXX and 3. XXXXXXXX XXXX : Charged-off/Closed Account # XXXX The above-mentioned ruthless credit reporting agencies are really tearing apart American families due to financial issues created by them by including outdated or incorrect credit and finance information on the consumers ' credit reports. 

I am glad that we, the American consumers, have a fine, tough and result-oriented organization like yours, the Consumers Finance Protection Bureau ( CFPB ), on our side. Thanks to the CFPB for providing us some measure of consumer protection.

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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Date XXXX Wells Fargo Dealer Services has started back reporting against my credit again after they were not to report anymore regarding my used auto loan due to fraudulent accounting activity was found against WFDS. My account number was XXXX. Loan number : XXXX My original complain was placed against Wells Fargo Dealer Services starting back since XXXX. WFDS stole multiple payments that were made by me and not applied towards my auto loan, fraudulently placed High Risk Auto insurance on my truck when I had full coverage on my vehicle without my knowledge. Wells Fargo Dealer Services was charging me for it through my auto loan. They had also set up an unknown interest bearing intrest account in my name with out my knowledge. Moreover, WFDS handled the accounting practice fraudulently by not applying my auto payments towards the loan but placed my payments in that unknown interest bearing account without my knowledge and tried to say they never received my trucknoayments and tried to excelerate on me to repo my truck and more. 
CFPB Complaints number XXXX dated back XXXX - XXXX. 
Consumer Financial Protection Bureau : XXXX Office of Comptroller of Currency Case ID # : XXXX. 
XXXX Case # XXXX While I fought against Wells Farg Dealer Services fraudulently stealing behaviors an investigation found that WFDS acted fraudulently. 
I was awarded my truck title. I have been receiving compensation through the class action brought against WFDS. 

Resolution : Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

Attached proof for your review Resolution : 1. Stop reporting to all the credit bureaus on this fraudulent closed account. This is causing my credit score to be lowered dramatically. 

2. Wells Fargo Dealer Services to remove all missing/ not applies funds we have sent to you. 
2. Correct my credit for WFDS have reported multiple negative credit reporting in which has affected my credit score and my ability to obtain credit being extended to me. 
3. Remove all late from my credit reports This has been the worst most stressful experience I have ever dealt with Wells Fargo branches and Wells Fargo Dealer Services. 

Attached proof for your review

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 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
As the home market has increased significantly, I have been trying to talk to them about removing our PMI. They have continually claimed they " can not find '' or are " missing '' my original loan documents. They claim to have ordered them, but that was back in XXXX, and as of yesterday, were still claiming this, although they don't seem to have lost any of the actual loan paperwork. I have proof that we are well below the 80 % loan to value, and a representative yesterday confirmed that our loan is currently at 79.57 %, based on old appraisal numbers that are nowhere near the current value. But this company REFUSES to remove PMI. They are stating that they will not remove it until I pay them for a full appraisal, which is absolutely unacceptable. We have proof of no longer needing to pay PMI, and they are in violation of the Homeowners XXXX XXXX of 1998 by refusing to cancel the PMI. Since they verified I am below 80 %, and my loan was based on the appraisal ( albeit it low now ) that they have on file, there is NO REASON for them to force me to submit to a fully-paid appraisal. I have made repeated requests, and am only given lies and now an attempt to extort me for the cost of an appraisal. I want my PMI canceled and I believe the premiums I have paid for the past two months while they have lied to me about missing paperwork should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
CAINE & WEINER ( XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation