vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely Experian, XXXX  and XXXX. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.

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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Received a letter back in XXXX that my escrow was short. I sent a check for XXXX and my payment would be XXXX. I did send that amount, and received the statement showing they put the escrow of XXXX towards escrow, yet they kept my payment at XXXX. 

Please view the exhibits that I attached in this email. I would like confirmation that my payment is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: NM

Complaint narrative:
Eppicard NM, frequently has locked my account and I can not use the website. As of right now, I can not use my card to pay bills, or use the atm. On XX/XX/XXXX someone stole over {$1200.00} on my account by transferring money out of my bank that I didn't authorize. I called Eppicard and they were suppose to send me the dispute paper and I said I have until XX/XX/XXXX to send them back. However, the papers have not arrived and today is XX/XX/XXXX. I've been calling Eppicard and I'm on hold for hours, and the system hangs up on me. Then I call again, and someone picked up in the background but wouldn't say anything, it hung up. Every time I call, they charge XXXX cents but they won't answer or help me with my problem. Somehow my email was changed on their website, and it won't let me change it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
These two charges appeared on my account as pending one was for {$150.00} and the other was for {$500.00}. I contacted the Fraud Department immediately upon noticing these two transactions pending on my account which were as follows : XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX* XXXX XXXX XXXX CA XXXX XXXX  XXXX {$150.00} XX/XX/XXXX XXXX  TO XXXX XXXX ON XX/XX/XXXX REF # XXXX {$500.00} I was told by the Fraud Department I needed to change my account number and go into a branch. They would investigate and the money would be returned to my account as these transactions were not authorized or done by me. On XX/XX/XXXX, a final credit of {$150.00} was given to me but nothing on the {$500.00}. I called to see where my {$500.00} credit was prior to opening todays mail with a letter stating I made the transaction or someone who had my authorization did it and I was not going to receive my money. 
Please be advised I have had my account for approximately 29 years through XXXX then Wells Fargo. I recently put the Wells Fargo app on my cellphone only to get access codes for my XXXXyear-old son, XXXX, to withdraw money. At no point in time have I ever signed up for a XXXX account or know a XXXX XXXX. I am extremely upset as this is not chump change this is {$500.00} someone hacked into my account and fraudulently took money from me. I notified the FBI with regards to these transactions as well. I have since deleted the Wells Fargo app from my phone and am still awaiting my appointment with the XXXX store to review my cellphone. 
I would appreciate all your assistance in this matter and am willing to have prosecuted whoever hacked my account. All I want is {$500.00} to be credited back to my account.

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 2020-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Wednesday, XX/XX/2020, around XXXX XXXX, I went to the Capital One Branch at XXXX XXXX XXXX in XXXX XXXX, NY XXXX. 



I spoke to the Teller, XXXX XXXX, that I would like a Certified Bank Check for closing on a home. I asked for a manager. There is none. 

She mentioned that there was a fee. I asked to waive it. She said no. She had me fill out two deposit slips and my ID. XXXX XXXX was helping her out with the transaction. They were very unpleasant and told me that fees are never waived. I said I disagree, as I had done Escrow checks them with in the past that were, but that I would call Capital One later. This transaction typically takes 2 minutes. It took at least 10 minutes. She did not seem to know what she was doing. 

I received my check, my receipts, and walked out. 

I called to complain to Capital One, and they said that the transactions were not registered. 

There was no Certified Bank Check, and there was no Fee transaction. 

I checked the app, and that was true. 

It shows a cash withdrawal for the closing, and a withdrawal of {$10.00}. There is no mention that the money was for a home closing, or a fee for the check. 



I returned XXXX on XX/XX/2020. I asked to speak to a manager. There is no manager. Is there someone higher up? No. And they are unable to tell me if any other branch has a physical manager to speak to. I complained that this was an improper transaction. I asked for a certified bank check, not a cash withdrawal. While it may be a shortcut for the bank, it will cause problems for me if I can not show that the money  for the closing came from my bank account. They said there is nothing they can do, that this is standard practice, and that if anything I can return the check, and get cash instead. I am extremely upset. This is an improper business transaction process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My loan was transferred to NewRez in XXXX of 2020 with a first payment due on XX/XX/2020. I began setting up my account with them immediately upon their instructions to go online and activate the account due to an incorrect last 4-digits of my SS #. Therefore, I was not able to complete the setup. Since I did not want to make my payments to an incorrect SS #, I immediately alerted New Rez. I called and the rep. told me that the reason why I was unable to get online is because the last digits is incorrect and told me what they have on file at NewRez. I told the rep that they have it incorrectly, and all of my closing documents showed my correct SS # so the error was internal at NewRez. They assured my this would be taken care of immediately. So I waited a few days and tried again. Same issue, they don't recognize my correct last 4-digis of my SS. #. I have made 6 calls to NewRez since XXXX and sent emails ( no response to email ), as of today, XX/XX/2020 when my payment is due, it is still not corrected. Needless to say, this has already been a bad experience and I have not even been with them for a full month. I am not comfortable sending a payment today with an incorrect SS #. It was suggested that I XXXX have to refinance again to correct this issue. No way I would want to do that!! I was told by the last rep on Monday that she will follow up with me to ensure that it's being done and call me ... crickets!!!. Even the company that transferred the loan to NewRez said they contacted them, that was futile, nothing changed. 

I am exhausted and want an immediate resolution to this matter. I should not have to go thru so much just to pay my mortgage on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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 was not late on these accounts and XXXX, XXXX, XXXX, and Transunion has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX I have attached the certified letter that was sent to all the parties mentioned.

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 2020-10-01 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 was not late on these accounts and XXXX, XXXX, Equifax, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATION/XXXX   : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX I have attached the certified letter that was sent to all the parties mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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 was not late on these accounts and XXXX, Experian, XXXX, and XXXX  has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX I have attached the certified letter that was sent to all the parties mentioned.

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 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Webcollex, LLC
State: NC

Complaint narrative:
I spoke with them today. They said the only way to get the bill removed is to file a dispute. I have tried that they are still reporting. I have paid their collection company XXXX. I am attaching the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I found out I am being sued because I have been receiving advertisement by law firms stating that I am being sued by a company called DNF Associates llc I have contacted them and was referred to another company and phone number where no one answers I have faxed them called them, and emailed them and to date I do not know who is suing me, or why. No one has informed me, or never contacted me as to who they are, and what the debt is for or how much is owed. I believe prior to submitting a lawsuit against me I had the right to know what the debt is for how much, and if the debt is mine try to make a payment arrangement. What they have done is unfair, and the only way I was able to find out about it is through advertisement The phone number I keep trying to call the one listed on their lawsuit is XXXX, and there is never an answer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This complaint is a follow-up to complaint number XXXX. 

Bank of America has not resolved our issue of fraudulent charges on our bill and has yet to respond to this complaint. 

We have sent them over 15 pages of documentation and Bank of America unilaterally decided to issue a credit of {$1000.00} ( instead of the full fraudulent charge of {$2100.00} ). 

However the total fraudulent charge was {$2100.00} as we were overbilled for 3 days of the service contracted for which is well documented. 

We should have only paid for 4 days of stay. 

Please help us resolve this matter of fraudulent billing, as we have always been happy with Bank of America, but we feel this issue has not been addressed by the appropriate management at Bank of America.

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 2020-10-01 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: VA

Complaint narrative:
I have two accounts/creditors on my credit report that list me as an authorized user. These accounts are not mine and I have not authorized anyone to add me as an authorized user. I have tried to get these removed by the creditor but they have not done so. 

I would like these accounts deleted from my credit report. 

XXXX / XX/XX/XXXX {$200.00} XXXX XXXX / XX/XX/XXXX {$1700.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I spoke with them today. They said the only way to get the bill removed is to file a dispute. I have tried that they are still reporting. I have paid their collection company XXXX. I am attaching the receipt.

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 2020-10-01 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: DISCOVER BANK
State: MS

Complaint narrative:
In XXXX 2019, Discover Card reported that I was late on my credit bureau, when speaking to a representative, they saw where it was incorrectly reported and offered my late fees back, but said because they reported it already to the bureaus, there wasn't anything that could be done about it, as of today, my credit report reflects late payments in XXXX and XXXX of 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
To whom it may concern : As I have been facing reduced work hours due to COVID-19, I had to reach out to each creditor I owe money to work out some kind of relief. While the vast majority had granted me a deferment or waiver until I get my hours back, unfortunately Citibank ( servicer of the Best Buy Visa Credit Card ) has refused to work out an agreement due to my current situation. I talked to XXXX ( ID XXXX ), from Customer Service last week. She declined to waive the payment temporarily, or apply a deferment. Not even allow me to pay as much as I can as my financial situation allows me. One more time, Citibank is lying when they offer COVID-19 relief, and I feel like they have something personal against me, even I made my best to pay on time.

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 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
Received collection notice from mandarich law group. I have been paying on this debt for over a year. Over 50 % of the original debt is paid. Absolute resolutions reported a collection on both transunion and equifax. Never contacted me or sent me any debt verification letter. When I called they stated that they bought the debt in XXXX. In XXXX of XXXX, 2 years after the debt was purchased, they reported to both equifax and transunion. Will not send me any verification letter. Stated that this was a process that they just started implementing. Payments are current with no lapses. Balance is now {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Hello, I am filing this complaint because I feel as though I'm being discriminated against by an underwriter employed with Huntington Bank because I am a XXXX XXXX American man. I have applied for mortgage loans and received multiple mortgages from other institutions for the purchase of a primary residence as well as for investment properties but my experience with Huntington bank has been like no other experience and disheartening to say the least. 

I have been subjected to several rounds of underwriter conditions after receiving multiple " clear to close '' letters and email communication from the Bank. I feel this underwriter is trying intentionally to sabotage my loan application in order to prevent me from purchasing a rental property. 

The conditions that the underwriter has set forth are not in compliance with XXXX XXXX XXXX underwriting guidelines and he is using XXXX bias and his subjectivity to create unnecessary loan underwriting conditions for no valid reason. I have returned documents several times and have completed everything that has been asked of me. 

On XX/XX/2020 I received a closing disclosure and a final clear to close. On XX/XX/2020 I had my bank account wire of {$47000.00} to the title agency that was handling our closing that was scheduled for Friday XX/XX/2020. Today on XX/XX/2020 I received a call indicating that the underwriting was asking for more conditions. This condition that he asked about was already resolved prior to Huntington Bank issuing me the preliminary closing disclosure and final closing disclosure in preparation for our scheduled closing of XX/XX/2020. 

I feel I am being singled out because I am a XXXX XXXX American man. I would like for the CFPB to look in my allegations to determine if the underwriter working my loan application 's conduct is illegal and inappropriate in regards to the mortgage lending regulations. I believe this underwriter is in direct violation and he and Huntington Bank are guilty of Mortgage Discrimination. My complaint is in no way aimed at the mortgage loan officer that took my file and worked with me during this process. This complaint is 100 % aimed at the underwriter.

Company response to consumer: Closed with explanation