vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Caliber Home Loans was my mortgage loan servicer until my loan was paid in full XXXX, XXXX, 2020. 

Caliber held the {$5100.00} escrow balance until XX/XX/2020, when, reported by Caliber 's customer service, the {$5100.00} USD check was allegedly mailed with first class postage, no tracking abilities. 

Today, is XXXX XXXX, 2020, and more than 25 non-holidays ( Sat, Sun, etc ), since XX/XX/XXXX, paid in full status of my loan. 

I've called Caliber Home Loans Customer Service and Escalation Department repeatedly to ask about the check. I have repeatedly been informed that is is Caliber 's policy to mail all refunded escrow checks via regular mail and for it to take 10 to 21 business days to receive the check. 

However, when requesting if they could locate the check, I was told they have no way to do that ; however, if I do request the status of the check be submitted the consequence would be the check they mailed would be cancelled and I could not use the check when finally received. 

Additionally, I was informed that the process would begin all over again, including the use of non-traceable mail and first class postage only - A catch 22! 

I believe that Caliber 's policy of returning escrow for paid in full mortgage loans violates CFPB 1024.34 ( b ) 1 ) which requires paid in full escrow be returned to borrower within 20 non-holidays ( Sat, Sun ), by exceeding more than 25 days and counting. Additionally, I find. it a bit hard to believe that I am the only one being disadvantaged by their delay codified in their Policy as stated by Customer Service and Escalation Department. 

Their delay has cost me more than {$1300.00} on a short term loan that I had reasonably expected to pay by XX/XX/XXXX. I will again have to pay an additional {$1300.00} if their process fails to deliver my escrow by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
2019 a case was opened against me and filed withXX/XX/XXXXXXXX   This isnt my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
i hate to use this to write you. its not really a complaint i cant get thru by phone or by letter no response. Also your phone system needs improvement i have lost much time. sometimes it recognizes my card last 4 digits sometimes no it takes a lot of my time. 
card eding XXXX i am out of work. please help me extend the 5 percent interest thru XXXX.also as a courtesy for my 30 year relationship if there is interest which i know is valid please credit it please dont throw it in my face i am a good customer vs those who dont pay at all who get all their fees waived. please credit it for my loyalty, longevity and all the time i lose when i call with that phone system this is for my At and T univ card. pelase dont put notes on my account either. 
i am out of work. also system says they mailed me a card i have no new card.please help with these 3 items without making me feel bad about asking. 
please XXXX XXXX a card not mail. no fees please.

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 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
The company Allied collection placed a debt for {$300.00} on my credit file, I have told them numerous times that anything pertaining to the original creditorXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  was paid by my insurance ( Florida XXXX ). Prior to this debt being placed on my credit file which is how I found out about it I never received any notices regarding such debt. When I filed a complaint with the XXXX   of XXXX XXXX, ACS claimed they were calling me, I have never received any calls from them, nor messages, nor WRITTEN correspondence regarding this matter. ACS needs to stop reporting inaccurate false debt to my credit report and remove the inaccuracy.

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 2020-04-06 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00} XX/XX/XXXX XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00} XXXX XXXX {$170.00}

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 2020-04-06 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00}XX/XX/XXXX/XX/XX/XXXX XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00} XXXX XXXX {$170.00}

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I have tried to freeze my ARS account with no success. I have followed all of their online guidelines and sent a letter certified mail requesting a security freeze but have not gotten a response back. It has been 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: AR

Complaint narrative:
My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: AR

Complaint narrative:
My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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:
My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: UT

Complaint narrative:
K on XX/XX/XXXX i bought a net spend prepaid card to make my car payment i activate it tried to process it it was declined multiple times. I then tried to make a instore purchase it also declined. I paid XXXX cash on the card and wasnt able to access my funds. 

I called the company to see what was happening. First came up the automated system saying my card still had a ballance of XXXX. So i got to a representative they asked for my information i gave it and they said oh i see this needs to be sent to our second leval representative funds are on hold and we can't do that for you. 

So im transfered and they said yes mrs XXXX your funds are on hold to verify your information and release your funds you are required to send us 3 forms of id and a copy of your social security card. Copy of my drivers license my birth certificate and another photo id which i had a passport I said no i want my funds and my card should be working just fine i activated my card as i was instructed. 

Then they said well we cant do anything for you untill you submit your information. Then the conversation was over. 

I called back several times being told the same thing from other representatives. I recorded one conversation and filed a complaint with the FTC. 
Who said i needed to file with you to get this handled. Still after a month of no response or help i called the FTC directly and told me to contact consumer finance. XXXX : XXXX video recording

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 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been a Chase credit card holder for more than 5 years. 

On XXXX XXXX 2020 all my Chase Credit Cards were closed. I had amassed reward points worth around $ 10k in cash and much more in travel during this time. 

Due to a result of this closure, I need to reuse these points within 30 days. 

I asked Chase to reconsider the closure and I received a letter that my card is closed as Chase has closed another one of my account. This is what I dont get. Chase has not closed any other account of mine but insists on closing all of my credit cards. 

All my plans of using my points for travel are down the drain due to this being an extraordinary circumstance for travel. I can not believe that Chase would force this hardship on me with a flimsy excuse. 

I request Chase to reconsider the closure and also provide me which account has caused by Chase Credit Cards to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my credit, i noticed that my TransUnion report has an unauthorized inquiry which i have no clue. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : XXXX XXXX XXXX Address. : XXXX XX/XX/XXXX, NY,XXXX. ( Doesn't have full address ) Telephone : XXXX Inquiry date : XX/XX/2018

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 2020-04-06 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: GA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Reached out to XXXX XXXX XXXX and Eastern Account System about a {$570.00} PAID collection they keep putting on my XXXX  credit report. This information is false and this XXXX related was paid over 2 years ago, with proof of cashier check from XXXX XXXX XXXX XXXX Bank. I have attempted to multiple times to get this removed. It is currently hurting me in closing on my house, I need immediate action taken on this false collection. I want someone to reach out to me immediately to get this removed or resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/2020 i recieced a Brinks Money, Mastercard with my name on it in the mail. I never applied for this. I called to ask if this was the prepaid card i was supposed to recieve for my recent XXXX, XXXX Benifits, and I could not reach a customer service person. I dont know why I have recieved this and I cant reach anyone at the company.

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 2020-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SYNERGY ONE LENDING, INC.
State: PA

Complaint narrative:
We were approved and ready to go on XX/XX/XXXX ( see below ) way before COVID-19, We closed on the loan on XX/XX/XXXX. Our check cleared our account on XX/XX/XXXX. XXXX was not called about his employment until XX/XX/XXXX a week later. XXXX was notified on XX/XX/XXXX ( see email below ) as well that you could not get his employment verification so XXXX spent countless days trying to get his employer to send verification. Everyone at your company was aware of this. We were told on Friday if we received the letter of employment we would be good to go on Monday. Now you tell me almost 3 weeks later that we can not fund the loan because of my credit score. We applied for the loan way before Covid-19 was an issue. XXXX, you told me today the loan was funded and then unfunded the loan because you could not get employment verification after we sent numerous emails stating we were trying to get it. We have followed through with our end of the deal. It appears to me that someone dropped the ball between XX/XX/XXXX and XX/XX/XXXX which at this point did not allow us the opportunity to cancel the loan. Meanwhile we were told there would be no closing costs and then turned out there was {$4100.00} in closing costs which caused us to have to use our line of credit and thus XXXX 's credit score went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A few months ago, I had gotten the Credit Score up to XXXX ; for some reason, they then took off my Student Loans for 1 month and the score went up to XXXX, they then put the Student Loans back on my credit and dropped the score 100 points. That is fraudulent activity, I have screen shots of my score and worked hard to increase it. I want my score back to XXXX, because it was never without my Student Loans before, so it was fraudulent to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: GA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-06 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: GA

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-04-06 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX  XXXX  XXXX {$170.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$390.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After the federal government past the stimulus bill making funds available for small business owners, I contacted Wells Fargo. Wells Fargo instructed me that I had to wait until their information appeared on their website before I could apply. I called twice and spoke to two separate individuals regarding the process. I have been waiting for the application process to appear on their website. It never did. This morning, Wells Fargos website said they were not accepting any more applications. I called and they stated the application process was closed. So there must have Process other than what was stated by their representatives. Again, no information on how to apply appeared on their website. I am a customer of Wells Fargo and even though I can apply to other institutions who are still have the process open, they will not allow you to. They are only taking applications from their customers. Which means I have been left out of the process by my bank. I believe that it was unfair practice and the information was not clear and understandable. And there are many other in my situation, who are not able to apply. Upon contacting Wells FargoI was told I was out of luck.

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