vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
I spoke with an employee on ticket number XXXX, asking them to push back my loan for 30 or 60 days because I had to close my XXXX  down in XXXX do to the state telling us do to the covid-`9 pandemic. The employee from prosper told that she is only allow to push it back a month and I would be charge a late fee or interest. So I told them that was perfect. I then received an email from them saying the following. 

Thank you for reaching out to prosper to ask about financial relief during the recent covid 19 pandemic your loan payment due date will be moved forward by one month. We want to assure you that you that you are not being asked to make a double payment on your next payment due date. You have the full lenght of your loan term to make the payment that was due in the month. However please note that you are still responsible for making that loan payment satisfy the loan balance by the maturity date and that interest will continue to accrue daily in accordance with the terms of your promissory note. 

So when I called back and told them that the state said they can not charge you interest they said that's only for business and not personal which is not right and I cant offred it at this time and it will be going on deliquesce because I can't pay it do to the shut down

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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My wife and I were away traveling overseas and did not have access to email. We thought we had set up autopay for our mortgage. We were away from XX/XX/XXXX to XX/XX/XXXX for travel overseas. We were not able to receive any mail till XX/XX/XXXX. At that point we were told we were 30 days late for a payment. We immediately corrected the problem but we received a bad mark on our credit report. We have not had a late payment for the last 20 years on my credit report. We believe Wells Fargo Home Mortage is being unreasonable in this situation. We have contacted Wells Fargo but they have refused to fix the credit reporting. This is unfair and we didn't receive notice.

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 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
Upon finding the company EOS CCA reporting what appears to be a XXXX debt against me, I disputed this back in XX/XX/2019 since I did not know what it was for. It was only reporting to one bureau ( XXXX  ) so I though perhaps it was an error. 
when XXXX  claimed they verified the debt, I sent a letter to EOS CCA letting them know and requested validation of debt. I never did receive validation, only a collection notice. I then sent in another demand in XXXX and XXXX. Each time I only receive back a collection notice that does not provide me any type of proof or what is sufficient evidence of this debt. 
I am including the letters I have sent and the only things I keep receiving from them to show that these dont support proper validation of debt. I do not want to call this company nor should I have to considering I have made sufficient efforts to find out what this is. 
I can not understand how they can still report it and claim to verify this when they still dont show anything from original creditor etc. 
I understand request for validation is a lawful request and this company has failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom mortgage is purposely throwing out 3rd party authorizations to receive payoffs, causing interest rates locks to expire costing customers money, and time, as well as paying extension fees, and in todays environment those interest rates can no longer be locked, and the borrower is stuck with higher rates simply because Freedom Mortgage refuses to honor payoff requests. 
Anecdotally speaking I spoke with one of our customers and she said as soon as Freedom heard about the refinance, they started calling her non-stop to refinance with them. Today XX/XX/20 I've been placed on hold for 68 minutes only to be told they never received the request. and blaming the virus, in XXXX they couldn't find the request, and then suddenly they found it after numerous calls to them, but today I asked a supervisor at Freedom what the reason was in XXXX, and he stated it was the interest rates were low, and they were understaffed.,

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 2020-03-25 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 — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investiagtion results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: TX

Complaint narrative:
I was told by my bank lender that I was not approved for a personal loan I have applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$11000.00}

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 2020-03-25 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: TX

Complaint narrative:
I was told by my bank lender that I was not approved for a personal loan I have applied for because of many derogatory items on my credit report. I then decided I would pull my credit to myself to take a look at what he was talking about and I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. These accounts do not belong to me. My social security number has been used from someone else. 

XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$11000.00}

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 2020-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This mortgage company PHH is charging a fee of XXXX that I dont know what is about. I know I tried to do a modification with a company name Owen but they sold my account to PHH. The modi never was approved they just love to take money and charge fee from customers like me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report, I became aware that Wells Fargo reported to the credit bureaus that I had a balance of {$11000.00} that has been reported delinquent. On XX/XX/XXXX, I mailed a credit dispute letter to Wells Fargo Credit Bureau Dispute Resolution requesting for copies of payment agreements, lateness, delinquency for the associated account. Sometime after XX/XX/XXXX, I received a response from Wells Fargo Credit Dispute Resolution dated XX/XX/XXXX, which stated they needed further information to investigate this dispute. On XX/XX/XXXX, I contacted Wells Fargo Credit Dispute Resolution and spoke to a representative who provided an account number and also advised that the account should read as settled in full with a XXXX balance. I proceeded to fax another credit dispute letter with the new information on XX/XX/XXXX. On XX/XX/XXXX, I again contacted Wells Fargo Credit Dispute to follow up on the investigation. ( 35 days after XX/XX/XXXX ). On that day, I was forwarded to the Executive Office and filed a complaint since I have not receive any additional correspondence since XX/XX/XXXX. The representative who took my information advised that someone would contact me in two business days. On XX/XX/XXXX, I received an email from the executive office, who advised that they have received the complaint and would investigate the complaint and have some results by XX/XX/XXXX. I then spoke to a manager of the Executive Office who assured me that this investigation would be completed and I would receive correspondence via email. As of XX/XX/XXXX, I have not received any correspondence via email or telephone from the Executive Office of Wells Fargo. Now 64 days from XX/XX/XXXX to present day and 95 days after the original dispute letter that was dated on 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 2020-03-25 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following it

em ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom

It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccura
te information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item (

s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below infor
mation in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was called by XXXX XXXX  yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/XXXX was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/XXXX on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was called by XXXX XXXX  yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/2020 was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/20 on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.

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 2020-03-25 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these 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 2020-03-25 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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these 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 2020-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: NV

Complaint narrative:
I paid off a XXXX on XX/XX/20. I was told at the time that it takes some days to get it settled on their end and to give it until XX/XX/20. I called today XX/XX/20 and was treated very rude when inquiring about the status. I spoke with XXXX, XXXX, XXXX and XXXX. After speaking with XXXX today who told me it would be more time I asked to.speak to a supervisor. I got XXXX. Not only was her lying to me but he was very rude, got loud and ultimately hung up on me. He would not tell me his last name nor his supervisor. I want all the calls listened to!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: The Sayer Law Group, P.C.
State: TN

Complaint narrative:
account does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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:
I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspected that my identity had been compromised. I have many 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. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
So I had previously filed a complaint against Bank of America for arbitrarily lowering my credit limit from {$7000.00} to {$4000.00} and reporting late payments to the credit bureaus even though I had in fact made monthly payments ( XXXX ). Surprise, surprise when a bank investigates themselves, they don't seem to find any wrongdoing! 

As a follow up to this in XXXX, I paid off the majority of my balance, leaving me with approximately {$400.00} of my {$4000.00} limit. 

Though I probably shouldn't be surprised at this point, this audacious institution committed another egregious act against my credit report XXXX on my birthday ), and lowered my credit limit from {$4000.00}, to {$500.00}, taking my reported usage from 10 % to 90 %! So let 's review! 

XXXX. Consumer illustrates ability to pay off over 80 percent of balance in spite of previous damage done to credit report done by Bank of America 2. Consumer is 'rewarded ' by having credit limit reduced and as a result, reported usage skyrockets from 10 % to 90 % When will the consumer finance protection bureau finally step in and take action against this shameless institution?!

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 2020-03-25 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: TN

Complaint narrative:
An item was removed from my file due to identity theft but later on it was re-inserted back on my report ( Experian ). I was not properly notified by neither party that this was going to be re-inserted. The account is XXXX  XXXX  showing a balance of { {$820.00} }. This account was not open by me and I never benefited from this account. This negative account is killing my score and needs to be removed.

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 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I registered with opt-out pre-screen. I asked for a full opt-out permanent removal from credit solicitations to my address. Amercian Express still continues to send credit card promotions to my address. i attempted to fill out the application and i was asked for all my information and social security and then was denied for the card.

Company response to consumer: Closed with explanation