vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I had a forbearance due to covid for 3 months. we have been paying our mortgage for 6 months now in full. We set up new terms to extend the mortgage by 3 months and signed all of the paperwork with Wells Fargo in XXXX. Our loan still shows we are in forbearance and past due. I reached out to wells fargo in the middle of XXXX and was told it would be processed and updated 4 days from when I called. The big problem is I am in the middle of a refinance and can not proceed due to being listed as in forbearance. I called Wells Fargo on XX/XX/XXXX at XXXX after looking at my most recent statement on XX/XX/XXXX to tell them it still showed I was past due.. They stated they would work on it and call me back. No one called me back. So I called them back at XXXX and they told me there was no one that could help me and a manager would call me on XX/XX/XXXX. No one called me, I had to call them at XXXX on XX/XX/XXXX and was told a manager couldn't speak with me, I demanded a manager call me back. Finally a manager called me back at XXXX and told me there was nothing he could do and didn't know anything. I asked if he could at least write a letter stating I was no longer in forbearance and in good standing. He would not do it and said I have to wait for them to process the settlement. He told me this should have been done 1 month ago, but could not answer why it wasn't done. I am stuck and unable to complete my refinance due to their negligence and unwillingness to help.

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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank keeps hounding me for charges on a Citibank credit card I never received, never activated, and never used. 

I would like to help Citibank follow up and solve this fraud but Citibank has shown no interest in contacting me about the fraud and the fraudulent transactions or investigating them in any way. One of the charges is for XXXX. Citi haven't even followed up on that to get the address where the delivery was made. Nor has Citibank explained how their " security team '' allowed someone to 'activate ' a new Citibank credit card in my name. Zero response. Citibank also has not removed their fraudulent charges from Citi 's credit reporting about " me '' to credit bureaus. 

On top of all that, Citibank does not have an email address at which customers can report fraud to Citibank so I have literally had to spend more than 5 hours on the phone responding to Citi and explaining all this to Citi ( always someone new ) repeatedly and navigating a Citibank automated phone system that inexplicably is completely not designed to handle Citibank card fraud if the person reporting fraud has never receivedthe card and therefore does not havethe card number. How can this be? This must have happened to Citi tens of thousands of times if not hundreds of thousands times. XXXX? 

I can't log onto Citi online because I do not have a Citi online account and I never even received the card that Citi says I have charges on so I have no credit card number to set up a Citibank online account with. If Citi really wants to reduce fraud, set up an email address at which people can report fraud. And set up a phone system that allows someone to speak to a human about fraud in less than 20 minutes. 

Please stop allowing Citibank to waste its customers ' ( or in my case potential customer 's ) time. 

I would have loved to help Citibank investigate and solve this fraud. Citibank has shown no interest in that because that would require Citi doing something that is not automated. Citi instead prefers to waste my time, fill up my phone and email with past due messages for charges that are not mine, and mess up my credit. 

I find this remarkable and sad.Please help. This is insane and dehumanizing.

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 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
XXXX XXXX XXXX. VIN XXXX. Purchased XX/XX/XXXX. Financed with XXXX. XXXX has been paid off. I am unable to get a title because Florida DMV indicates there is still a lien on the vehicle. I have called Hyundai Finance and they have admitted that the loan is paid off, but they refuse to send me the lien release information. They also will not contact Florida DMV and inform them that the loan is paid and the lien is released. I have called Hyundai 5 times in the past 3 weeks. I have spoken with a supervisor named XXXX and a senior supervisor named XXXX. XXXX claimed he was as high up as you can go. XXXX said I would need to contact DMV. I explained to XXXX more than once that DMV will not help because their records indicate Hyundai still has a lien on the vehicle. I also contacted Hyundai Customer Care. I provided a detailed description of my situation and Hyundai Finances lack of cooperation. After two days, Hyundai Customer Care said I should contact Hyundai Finance. Obviously, they did not read my email in its entirety. Receiving the title is critical as I traded the car in and the dealer wants the title. If I can not produce the title within the next week I will have to pick up the vehicle and write a check for the trade in amount. 
I have attached a screenshot from the Florida DMV showing an active lien on the vehicle.

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 2020-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am very concerned about my Coinbase account. I have invested thousands of dollars into Bit Coin plus a sizable amount of cash exists in this account as well. On XX/XX/XXXX I noticed that the amount of cash was incorrect. There was a sizable additional amount of funds. On this date I got a call from my XXXX XXXX XXXX XXXX that an unauthorized amount of approximately {$19000.00}. XXXX was going to be transferred to Coinbase. I made sure not to approve it and to terminate said unauthorized Coinbase transfer. However coinbase actually had reflected that I already had these additional funds in my Coinbase account. I tried to contact CoinBase however they refuse to allow me to speak to a live person. Instead I was made to follow online prompts to disable my account. I received an email confirming my case. XXXX # XXXX. I tried calling a customer service line several times but no one answers and on. A recorded line indicated that if I felt my account has been compromised to press # 1 to disable your account after I did this the phone disconnects. Ive since attempted several calls during the last few days and the same thing always happens. Yesterday XX/XX/17 I was also sent an additional email indicating that : on XX/XX/XXXX my balance had increased due to a {$300.00} buy/sale # XXXX The trouble is, I never attempted any buys on XX/XX/XXXX. Furthermore their online prompts influenced me to disable my account and made me attempt to change my password. Its now Friday XX/XX/XXXX and I have been locked out of my account all week. I have no access and no clarity to see what is going on with the account. I was sent several emails over the week stating that my case was being researched by a specialist and they would get back to me in 4-5 business days. This experience is highly irregular and I have a sizable amount invested with Coinbase. I do not feel comfortable about it and have no idea what is going on or what is going to happen. This is no way to treat a customer who has over {$30000.00} invested with Coinbase especially after I have put my faith and trust in their service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/20 I called Bank of America to close a savings acct instead the rep closed my checking which had my rent money, the payment was rejected and I was charged a late fee and the bounce check fee. 
I called regarding this matter as soon as I found out what happend explained everything to the rep who answered my call, I was asked to call again during the week which I did, my acct is opened now however my fees aren't refunded which is the least I expect them to do since it was the employee who cause this and not me.

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 2020-12-19 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: MI

Complaint narrative:
On XXXX XXXX 2020, I sent a letter regarding unknown and inaccurate items that were on my credit report. After at least 60 days ( about 70+ now ), I still haven't heard anything back. Absolutely No Response. I feel like I am being ignored or taken advantage of in regards to the disputes. I have studied and according to section 611 ( a ) it is clearly stated that a failure to investigate these items gives a reason to delete these items WITHIN 30 DAYS and to be taken off of my credit report. Now, that at least 70 days have passed they need to be deleted immediately. Therefore, I demand that these items be removed from my account right away or I WILL begin litigation because this has exhausted me to my wits end and you have caused me a lot of stress. Not to forget to mention, I was hugely affected by the data breach involving XXXX  and now I am fearful because my records are possibly in the hands of the wrong person. This is a serious matter.

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 2020-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
Flag star bought our mortgage in Fall 2020 and we immediately called them to make sure they had all necessary information for payments, escrow, insurance, taxes, etc. There has been a consistent pattern of Flagstar employees not documenting our calls or the information we give them regarding our loan ( property insurance info, our own contact info, etc. ) and making false claims about contacting us and leaving messages when they have not done so. They are now threatening to purchase their own property insurance for us because they refuse to document the the property insurance we already have with information I have supplied them on multiple occasions which they refuse to document.

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 2020-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Got injured  at work in XXXX of last year which caused me to not be able to work. Then filed XXXX  and was trying to make payments but they stopped accepting them and sending them back.

Company response to consumer: Closed with explanation