vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have not received any mail from the credit reporting agencies in relation to the information I have been disputed.

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 2020-11-12 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: CA

Complaint narrative:
Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. The representative I spoke with assured me that this late would be removed because it is reporting in error. I have attached a copy of the letter sent on XX/XX/2020 stating they requested my credit report be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureau to fix this however, I have not been successful.

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 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
My loan was originally with XXXX XXXX and was sold to amerihome. Ever since the first payment in XXXX i have had problems trying to make payments. My insurance agency has also sent me letters stateing the payment was past due to them from amerihome. Ive been reaching out to them for a month because they have changed my payment from XXXX to XXXX.they told my payment went up because of taxes and insurance increase. Both are false. I went to both places and neither have gone up. I tried ro make my regular payment and they wont allow me. Ive also talked with XXXX my closing lawyer and XXXX from XXXX XXXX and they both say something is wrong but i cant get speak to no one through amerihome. They keep saying someone is going to call me back but they never do. Today is my final due date and i have my XXXX to make my payment but they wont process it. I need help. Amerihome is the most unorganized, unprofessinal place i have ever delt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I have reached out to this company many times and have not received anything. They say my complaint " deemed frivolous or irrelevant ''. Which I find disrespectful and deeming to me as a person. I sent an email for two individuals on the executive team to discuss the situation as the person who responds to these complaints is not professional and talks down to me as I am stupid. I have requested contact from the company with no response other than just applying it to my credit and destroy my livelyhood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Sir/Madam, In short, American Express " the big name '' in the financial sector, phone operators are trying to trick me into getting some money from my card and also blackmailing me to divulge my bank account details to them over the phone so then the operator can possibly take some advantage of that. Just so you understand, American Express already has my bank account details saved on my Amex account but still the operators want me to divulge my account number, routing number to them on a personal level. 

1 ) I spoke to a female manager 2-3 days ago about the {$31.00} credit sitting in my XXXX XXXX XXXX. I requested the manager NOT to send me a check but to put the money in my bank account, the bank account details are already set up in my American Express account. She said it would take take upto 3 days for the redeem to complete and then once the amount shows up in my card, she will wire the money in my bank account. I told her I am currently overseas and gave her my overseas mobile number and she said she will call me in my overseas phone number and confirm me on the wire. Never got a call back from her. Then a day later received a message saying there is not enough money in my card to be sent to my bank account. 

2 ) Called American Express today and the female representative says that email was sent before the amount showed up on my card. She then asks me to provide my bank account details and the routing number to her on the phone. I told her my bank account details are already set up in my Amex account. She said I still need to give her my bank account details on the phone for her to put the money in my bank account. She said she would not tell or give my bank details to anyone and that I can trust her. ( What she was saying, these kind of things normally come from scam calls we receive on our phones sometimes. ) She sounded very suspicious and strange. I hung up the call and call again. 

3 ) I ask for a manager directly and I was put to a male supervisor. The supervisor said the system is not letting him transfer the money to my bank account. He said he will speak to the first manager. 

4 ) Few hours later I again called Amex and this representative named ( XXXX, ID XXXX : From their XXXX, XXXX OFFICE ) put the call on hold for over 1hr and deliberately refrained from getting a manager on the call. 

2 hours on phone call with Amex and I could not get my {$31.00} transferred to my bank account. This is not what we expect from American Express. Exactly how much crap would I need to take to get this money sent to my bank account!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
my Us bank reliacard is locked since XX/XX/XXXX I sent out my id verification on fax it's been 3 weeks I got fired from my job because I got tested XXXX for XXXX I missed work from 2 months XXXX and XXXX I need this money for bills and put food on the table

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 2020-11-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Decided to buy vehicle at the end of lease term form Ally Financial. Sent a bank cashiers check for full payment in accordance with lease terms that was processed by Ally on XX/XX/2020. Sent them multiple emails through their website that have gone unanswered. On XX/XX/2020 finally got a hold of one of their customer service reps who informed me that my lien release would arrive within 7-10 business days. After that did not happen, on XX/XX/XXXX sent certified letter to Ally financial and once again requested lien release. Received a call from Ally on XX/XX/2020 and the representative stated they were looking into it. Have not heard anything from Ally since then. It has been almost 2 months since vehicle was completely paid off with a bank cashiers check and still no lien release from Ally Financial

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 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am trying to purchase and home and found items on my credit report that do not belong to me. I have filed a Police Report and FTC Identity Theft report attached.

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 2020-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.

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 2020-11-12 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: OH

Complaint narrative:
I am trying to purchase and home and found items on my credit report that do not belong to me. I have filed a Police Report and FTC Identity Theft report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am trying to purchase and home and found items on my credit report that do not belong to me. I have filed a Police Report and FTC Identity Theft report attached.

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 2020-11-12 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I notified Experian thats on or around XX/XX/XXXX that these items on my credit report marked as hard inquiries are mot true & that they be removed I have yet to hear from Experian and the items have not been removed I am filing that these items be removed at once those items are 1. XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 5. XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 6. XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 7. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 8. XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 9. XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX XXXX 10. XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX oval date : XX/XX/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 2020-11-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Submitted a dispute in XX/XX/2020. Original creditor was XXXX XXXX XXXX. Experian deleted the account. In XXXX, they placed it back on my credit report with another companies name that I have no knowledge of so I disputed it. It appears after it was deleted, XXXX XXXX XXXX sold it to a collection company. This company can not validate the information nor does it have a contract or my signature.

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 2020-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Deposit a friend check in my account bank cash the check give friend the money now they say I owe them the money back. Bank said the only way to cash the check if it clears so i guess it cleared but want me to give money back. Bank sent me a letter said they took care of the problem but put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I recently had a debt with Franklin Financial. I was arranging to pay the debt and have it deleted from my credit. The representative was very rude and begin to belittle me. I am a veteran of the XXXX XXXX XXXX and this is hindering my home purchasing process. The debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Yes usaa is not helping me with a. Charge for merchandise I did order overnight and never received as a full tome Rv this is not uncommon and financial institutions need to be more attentive to their customers and the merchants the amount in dispute is XXXX never received a permanent credit in fact a reversal case 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 2020-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am waiting for my check for $ XXXX XXXX  XXXX said that they have sent the check but I have not received it. I get email from the bank the check is cashed. I need my money. My account number is XXXXIf I am not given my money will go legal.

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 2020-11-12 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There was an unauthorized account opened in my name. I've tried disputing this information with no luck from Navy Federal Credit Union. I completed all of the necessary steps in order to have this information blocked from my credit report and have my credit reporting statutes enforced. All of this information was submitted to Navy Federal and they refused to block the information. I called Navy Federal in XX/XX/2020 with an XXXX representative asking what do I need to do to resolve this issue. They stated I could pay the balance off in order to have the negative information removed. I paid Navy Federal the entire balance due. Once the balance was paid I called back a week later inquiring the status of this information being blocked. Navy Federal stated they could not remove this unauthorized account because it shows a payment made on the account. The payment was made on my part because I followed their instructions in order to have this resolved. 

My score has dropped nearly 100 points due to this issue. It has caused me a great deal of stress while currently XXXX. Please assist me with having this account removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
XXXX  XXXX XXXX allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.

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 2020-11-12 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: MI

Complaint narrative:
XXXX XXXX XXXX allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transuion claim they issue refund for the below complaint, the lied again. No refund has been received as of XXXX. Transunion for months was billing me for a service they had blocked me from about 2 years ago. After filling a complaint with cfpb the finaly coincided and canceled service and was suspose to refund my prior billing charges. Its XX/XX/XXXX, no refund has been received from Transunion at current date. In previous complaint they sent the following reply below. Transunion, We have reviewed your complaint along with the information you previously provided regarding this issue. According to our records, on XX/XX/XXXX you enrolled into a service provided by TransUnion. With this service, you were billed {$14.00} per month from XX/XX/XXXX through XX/XX/XXXX. Per your request, we have cancelled the auto-renewal of the service. As you have already been billed for this month, the service will still be accessible until XX/XX/XXXX. We regret any misunderstanding that may have occurred. We have issued you a courtesy refund in the amount of {$290.00} back to your credit card for charges incurred from XX/XX/XXXX through XX/XX/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 2020-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN

Complaint narrative:
I applied for online installment loan with Ace Cash Express. They said they had to verify account. They deposited {$790.00} I was told to return {$790.00}. Then to better my credit score they deposited {$970.00} & {$990.00}. Again I was told to return it. I did. Then I learned that all the deposits they did were bogus per XXXX  XXXX  and didn't go thru. Not only am I out what I sent back, also out the deposited money. 
I spoke to XXXX XXXX and XXXX XXXX. I have all contact numbers, copies of transactions and bank has copies of bogus deposits. 
I also made a police report # XXXX This are 2 of of some of the texts I was sent : " Ace cash express Hello, Loan ID : XXXX Loan amount : - $ XXXX  Monthly payment : - {$220.00} Loan term : - 24 month if you are looking for this loan call us as soon as possible. Before your loan application expire. 
call at : XXXX Regards XXXX XXXX '' `` XXXX Regards.XXXX? 


Hi this is XXXX XXXX. On your words we deposit the credit amount in your account and this amount will availible in yoir account at XXXX. 
Regards XXXX  '' Unable to get download of the deposits, but bank has them

Company response to consumer: Closed with explanation