vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
On XX/XX/XXXX I initiated the refinance process with Wells Fargo which is the holder of my current mortgage. 

The pricing would save me just shy of {$500.00} a month so I opted to go with Wells Fargo over a broker believing I would close in a relative timely manner. 

On XX/XX/XXXX I indicated my intent to proceed based on the estimates received from Wells Fargo. 

In that agreement I paid {$550.00} in up front costs on XX/XX/XXXX. 

My appraisal was completed by XX/XX/XXXX and Wells Fargo had it in hand. 

I had to pay my old XXXX mortgage rate so that was almost {$500.00} I did not save. 

My initial closing date was set as XX/XX/XXXX which meant I would need to make an additional old mortgage payment so another {$500.00} I would not save. 

My closing was pushed because they said they hadn't heard from the title company. Closing was pushed XX/XX/XXXX. 

By XX/XX/XXXX I had heard NOTHING from Wells Fargo when I reached out they said they hadn't heard then later said that the titlle company didn't show a record of the request and they would have to " re-submit '' though I suspect the request was never made and they can not provide proof that it was. 

At this point my closing was pushed to XX/XX/XXXX which would mean another month of not realizing the savings I was supposed to see. 
To that date my loss was : {$550.00} in up front costs {$1000.00} ( roughly ) in unrealized savings On XX/XX/XXXX I was informed that Wells Fargo had received the paperwork on my title and needed only to complete verification of employment. They said they began that on XX/XX/XXXX. As of XX/XX/XXXX no one from Wells Fargo has contacted my employer and I am in daily contact with my employer XXXX the entire HR department ) that they have not received a request. 

I have contacted XXXX XXXX and XXXX XXXX on a regular basis and no progress has been made. 

At this point I have a closing date of XX/XX/XXXX but I don't believe that will happen either which will mean I will be paying XXXX mortgage at the old rate which equates to : {$550.00} in up front costs {$1500.00} XXXX roughly ) in unrealized savings TOTAL ROUGH COST TO ME : {$2500.00} Meanwhile I have confirmed with others that chose a different broker that they closed within three weeks and another friend who has been in the same limbo with Wells Fargo. 

My contacts at Wells Fargo are : XXXX XXXX XXXX ID XXXX Tel XXXX Ext. XXXX XXXX XXXX XXXX Mortgage Processor ( SAFE ) NMLSR ID XXXX XXXX XXXX extension 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 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
someone open a account under my name and capitalone like it fraud and capital called me a lair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FC HoldCo LLC
State: GA

Complaint narrative:
I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies XXXX, XXXX XXXX and XXXX  were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.

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 2020-10-23 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
The cancellation of this booking WAS completed within the cancellation window and in accordance with the merchants cancellation policy and should have resulted in a full refund. As proof of this, we attach emails from XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX confirming that our cancellation of reservation for travel on XX/XX/XXXX was received and that a full refund in the amount of {$3200.00} would be processed back to our MasterCard ending in XXXX within 60-90 days. 

Here is a timeline of pertinent dates for clarification : XX/XX/XXXX Booking made and reservation fee of {$3200.00} charged. 
XX/XX/XXXX Booking cancelled well within the merchants cancellation window. 
Call to Barclay made XX/XX/XXXX, cancellation number XXXX, via online and phone call. I was told at this time that it takes 60 to 90  days to process the cancellation, which would be XX/XX/XXXX at the latest. 
Calls made to XXXX several times during this period, including Attempts to work out with XXXX via phone calls : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX 60-90 day refund timeline elapsed. Dispute opened with Barclay and sent via email and phone call. 
XX/XX/XXXX Another Dispute opened with Barclay. 
XX/XX/XXXX Another email from merchant confirming refund is due. 
XX/XX/XXXX. Several calls XX/XX/XXXX 60-90 day refund time elapsed. Call again to Barclay. They indicated denial to provide refund because  they claim we did not contest the original charge in XX/XX/XXXX within 90 days. This was only done after a three way call to XXXX where XXXX affirmed we are entitled to a refund but that accounting was taking time due to the pandemic. 
XX/XX/XXXX XXXX confirms it will process the refund & seeks verification of the credit card. Confirmation made online and call to confirm received confirmation. 
XX/XX/XXXX. Email confirmation from XXXX that I should receive the refund with my credit card within 3-5 business days. 
XX/XX/XXXX. Call to Barclay seeking to confirmation of attempt by  XXXX to refund. 
Barclay claimed no attempts were made. I asked for assistance. They said it may take up to 15 days and I should wait to file another dispute. I told them I did not want to wait that long because we had relied on their prior statements to wait on filing a dispute and then was told we could not get a refund because we waited to file a dispute. Filed another dispute.

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 2020-10-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have called several times to get my US Bank Reliacard activated and the company will not activate my card. They asked me to upload a picture of my drivers license and a selfie of me at verify.usbank.com/retail and I did that. I called and waited on hold for hours and the representative said they can't help me. There is nothing they can do. The card is locked and she didn't know how to help. I asked to speak to a supervisor. The supervisor said she couldn't see any of my information and we had to upload the drivers license and picture ( selfie ) again and wait another 7 to 10 business days. I have called at least 20 times to US Bank Reliacard to get a new card and activate it. I finally received the card months later and now I can't activate the card and they keep saying they can't help me. What am I supposed to do? I need to pay my bills! Thank you for your assistance  in this matter. The customer service phone number that I have been  calling is XXXX or I have also been trying to activate the card using the website listed on my mail. www.usbankreliacard.com

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 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Community Is in violation of 15 usc 1692e. ( 11 ) and 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I paid the account off and they still report late payments and will not remove them selfs from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
We purchased our home in XXXX of XXXX through a conventional 100 % loan for {$240000.00}. I recently sent a letter to our mortgage company requesting to have our Private Mortgage Insurance ( PMI ) cancelled. I received a letter from them saying that our request was denied because our current loan-to-current value ( LTCV ) is not at a ratio of 80 %. I will explain why I feel this is inaccurate : XXXX We have never missed a mortgage payment or been delinquent on a payment in over 13 years at our house. 
XXXX When I called the company today ( XX/XX/XXXX ) I was told that we are at only 93 % LTCV because they are basing that off of an appraisal in XXXX when we refinanced at {$200000.00}. I explained that it should be based off the ORIGINAL loan appraisal of {$240000.00} in XXXX. On top of that I know for a fact that our house is currently valued at over {$310000.00} as we were told by a real estate agent in XXXX when we thought about selling our house, and now real estate values in my area have gone up even more. I was told by our mortgage company that they will " re-open '' our case but we also can pay for a new appraisal to prove that our home is worth more than {$200000.00} but I know this is not necessary if they actually go off of the correct ORIGINAL appraisal of {$240000.00}, let alone going off of current real estate market values.

Our outstanding principal balance currently stands at {$190000.00}. So we are actually at 79 % LTCV which is grounds for us to have a case for having our PMI cancelled.

Our mortgage company is XXXX, and the servicing company is Loancare. 
My complaint is that I feel that our mortgage company is forcing me to have to pay for a new appraisal at my expense in order to have my PMI cancelled which is unfair when the Homeowner 's Protection ACT allows for PMI cancellation once someone has reached 80 % LTCV payoff of the ORIGINAL loan and has great payment history like we have.

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 2020-10-23 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: NM

Complaint narrative:
I have called XXXX  and Transunion numerous times over the past 6 months regarding inquiries that were on my credit report that weren't recognized. I was told by both credit bureaus that I needed to call each and every company that had pulled my credit. I did. Upon calling I was told that they didn't have any information on file with my name or SS #. I called XXXX  and Transunion back. I then was told I needed to add fraud alert on my report and go to the police station and file a report. I added the fraud alert, I took days off to try and file a police report and was told at the police office that they are unable to file a report of such. I'm very frustrated and annoyed that I keep getting the runaround and not getting any help. XXXX  was able to help me and I had NO ISSUES with them at all. I was then told last week to contact the FTC and or Consumer Finance.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
RE : Report number XXXX I am filing this complaint because Experian has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. 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 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALL WESTERN MORTGAGE
State: CA

Complaint narrative:
THIS COMPANY DRAINED MY BANK ACCOUNTS. THIS WAS FOR A HOME LOAN PURCHASE THAT NEVER CLOSED. THEY MESSED UP AND ORDERED UNNECESSARY DOCUMENTS AND KEPT CHARGING MY CARD. BASICALLY HAVING ME AUTHORIZE MY DEBIT CARD FOR THEM TO ORDER CERTAIN DOCUMENTS-THEY ORDERED DOCUMENTS THAT WERE IRREVERENT. TTHEY SAID THEY WOULD REFUND ME ONCE THE LOAN CLOSED-WHICH THE LOAN NEVER ENDED UP CLOSING. I HAVE THOUSANDS OF E-MAILS AS PROFF OF THEM SAYING THEY WOULD REFUND ME AT CLOSING, THE REALTOR EVEN ASKING WHY THEY ORDERED THOSE DOCUMENTS. IM SICK OF DISPUTING THIS AND GETTING NOWHERE BECAUSE THEY ARE REFUSING TO GIVE ME MY MONEY. THEY ARE SCAMMERS THEY BASICALLY GET YOUR AUTHORIZATION AND ORDER THROUGH A 3RD PARTY AND SIT BACK WHILE SAYING THAT COMPANY CHARGED YOU NOT US. THIS IS A SCAM. IMMORALLY WRONG.

I WAS CHARGED {$820.00}, {$440.00}, {$450.00} ALL FOR NO REASON. WHY WOULD I GET A LOAN WHEN I HAVE TO PAY OUT OF POCKET? I COULD UNDERSTAND A {$270.00} OUT OF POCKET TO GET HOA QUESTIONNAIRE BUT WHY HAVE THAT COMPANIES EMPLOYEES NOT KNOW WHAT TO ORDER AND DRAIN MY BANK ACCOUNTS THEN NOT EVEN BE ABLE TO CLOSE THE LOAN IN WHICH I END UP PAYING CASH FOR THE HOUSE ANYWAY. ANYONE AND EVERYONE KNOWS IF PAYING CASH ON A HOME YOU GET A BETTER DEAL. THEY PUT ME  IN OVER XXXX DEBT AND STILL REFUSE TO REFUND ME WHATS OWED TO ME SO AT THE VERY LEAST I CAN PURCHASE FURNITURE? THIS IS CRAZY. I HAVE TRIED CONTACTED THEM DIRECTLY- NO LUCK- I TRIED DISPUTING IT WITH MY BANK ( XXXX XXXX XXXX- ONLY FOR  THEM TO WAIT UNTIL THE LAST DAY TO RESPOND TO JUST PROLONG MY DISPUTE AND REJECT IT ) I RE-DISPUTED IT, I CONTACTED XXXX  AND WAS TOLD IM MAKING A COMPLIANT WITH THE WRONG COMPANY ( BASICALLY WITH THE COMPANY THAT THEY HAVE TIES TO TO GET DOCUMENTS ) THE COMPANYS INFO IS : All  Western Mortgage | Branch NMLS # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX https : //allwestern.com NMLS ID XXXX THIS IS NOT RIGHT! NO CONSUMER SHOULD HAVE TO SUFFER ESPECIALLY DURNING THIS TIME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Paid the company they will not remove them self from my credit and they still are reporting late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ashton & Weinberg, Inc.
State: VA

Complaint narrative:
On XXXX XXXX I received a phone call from number XXXX. Unfortunately I did not catch the mans name but he stayed he was calling from a law firm about a debt. Without any provocation from me, the man stated that I was XXXX XXXX That I was a XXXX XXXX for not paying my debt. How is this able to happen? No one should be allowed to talk to anyone like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
On XX/XX/2020, I filled out my request for mortgage forbearance through the CARES Act on my mortgage loan servicer 's website due to the impact of COVID-19 on  my income. My loan servicer is Rushmore Loan. Earlier this year, I had received a forbearance but that ended. However, my situation has not improved and I need additional assistance through the CARES Act Covid-19 assistance. The loan servicer told me today on XX/XX/2020 that I have to fill out a package for assistance which is false. The CARES Act says we do not have to fill out any type of package for assistance that is needed due to COVID-19 impact. Because Rushmore refuses to provide me with assistance I have no choice but to file a complaint with the consumer finance bureau so they can be forced to comply with the law. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: PA

Complaint narrative:
I use XXXX XXXX  for all my banking. 
Over the summer my mortgage payment with Bank of America was lowered. 
I went into the bill pay section to set up the new amount of {$3500.00} to be paid to BOA but instead of choosing my mortgage account I chose the BOA account just above it which is a closed credit card account. 
I discovered this error after 5 payment of # XXXX were sent to BOA from XXXX. 
I've called BOA about 20 times but keep getting told they have no account matching my Credit card number. 
I filed a dispute with XXXX but because I sent the payments they have forwarded to to their ACH dept whom have had this issue now 2 weeks and so far nothing. I have the dates, debit tracer # 's and Confirmation # 's for each of the 5- {$3500.00} payments but no one can find my money. 
( I have a mortgage and a car load with BOA and neither account haws been credited those payments ) Please help me recover my {$17000.00}?

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 2020-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc.
State: TN

Complaint narrative:
The account has be charged off consumer still reporting late payments after letting the know im affected by COVID-19 issues

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: I.C. System, Inc.
State: GA

Complaint narrative:
I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies XXXX, XXXX XXXX and XXXX  were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.

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 2020-10-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies Equifax, XXXX XXXX and XXXX were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: MS

Complaint narrative:
I have requested for the bureaus to honor Paragraph 7 of Section 611.a of FCRA gives you the right to demand a description of the investigation. Thats when the method of verification letter come into play. I have requested Method of Verification still WILLNOT SEND ME INFORMATION. I WANT TO KNOW HOW THEY ARE OBTAINGING THIS INFORMATION FROM ORIGINAL CREDIT AND WHAT THEY ARE RECEIVING FROM THE ORIGINAL CREDIT ... ITS MY RIGHT AND THE LAW. There are several inaccuracies on my credit report including inquiries.

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