vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I noticed that {$8.00} have been constantly removed from my account for a long time over 6months. Initially I thought it was my children using my card with my permission to purchase games with XXXX XXXX I noticed a {$53.00} debited and I didn't authorize that neither did my children purchase anything. 
I called wellsfargo immediately and they shut down the card and not too long I saw they credited my account from XXXX to XX/XX/XXXX to Approximately XXXX plus. 
Then with new card they sent which I never activated, I saw a debit for {$8.00} for XXXX whilst I activated the card on XXXX. 
I called the back XX/XX/XXXX and complained how was that possible and I was told by XXXX that XXXX has the digital number and they approved it and I asked how was that possible that I thought once a card has been termed fraudulent by the bank everything is deactivated and she said she can only explain in general terms for me and that by the way ; the provisional approvals on the past claims for the same issues that I made was declined and they removed the credits that was issued before. I was shocked and said I was never notified on anything. She said it will come in 9 to 10 business days. She transferred me to a fraud specialist and I explained what XXXX told me and the specialist XXXX said that XXXX has the jurisdiction WITH VISA TO BYPASS ANY HOLD AS LONG AS THEY TELL THE COMPANY THAT THIS IS THEIR REGULAR CLIENT AND THE COMPANY VISA WILL APPROVE. which was why I was still charged despite it was not active. I asked the agent that I thought once your card is changed that it Is the customer that notifies and updates her new card number. Herself. That this is another new information I was so frustrated that when she said she was shutting down my card again i asked her why because if XXXX can bypass the blockage the charges are forever going to be occurring and she said I should call XXXX and cancel the subscription. I have been calling XXXX and the last person asked me what subscription and I said I did not know. She transferred me to a department that ought to help and i was waiting for 1.30mins and none came on. I had to end the call. I recieved a letter from wellsfargo on sat the XXXX of XX/XX/XXXX stating the reason for the decline was and I quote'Our investigations shows that the transactions is consistent with the way you've used one or more of your wells Fargo accounts in the past. Based on this we've determined that the transactions is valid. 
See, if a card that has not been activated by me is used why wont it be consistent. 
Please help me. 
Sincerely 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 2020-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-10-05 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: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Lakeview services llc has made a negative report during the covid19 pandemic while my account was in forbearance status. During the forbearance status, i did make payment to my accounts. The incorrect report was made on transunion from the month of XX/XX/2020 through XX/XX/2020. I have recently spoke to the representative of lakeview service, they instructed me to perform this complaint. From my understanding, that during the covid19 pandemic, there should be no negative report is to be reported while affect financially during that 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 2020-10-05 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
There is fraud charge coming on my Amex Credit Card and i reach out to Amex three times on phone and they didn't block it. Charges keep appearing on my card for almost a year. Amex Customer service is not helping. Every time i called they said they are putting block and charge keep coming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a car Loan with in XXXX 20 years ago I paid on the note for years never late ever then I Lost my homes and everything I owned. I went to the credit union and told them I was in Trouble Financially and was losing everything they didn't care .I became homeless living in my motorhome for years. 

On this XX/XX/XXXX XXXX Ran A Hard Inquiry on my Credit with out my permission and my Credit Dropped over 40 Points I called Trans Union and they told me what happened and to call the Credit Union and ask them why? 

I told them never to run my Credit ever again or im going to take Legal Action!! 
XXXX  Didn't Know what to say. 

I called the credit union and said that they had no right to do a hard inquiry on my credit and i was very upset the woman was very rued and said they had the right with out my permission .the note is over 15 years old it was a charge off. 

Trans Union even said this was wrong to run my credit with out my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a call from CITI bank regarding my Best Buy Credit card account that I paid off in full in XXXX. They said they were contacting for late fee that had rolled over after I paid it off. So we're rolling a late fee forward and I was even aware that I owed the fee. First time I heard it was today and it had doubled. So since they refused to take the entire fee off I paid {$31.00}. This unfair treatment for someone who had always paid on time. Collection of late fees that continue to roll over is an unfair to good paying customer..

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 2020-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have  yet to received anything back from them.

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 2020-10-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have had a HELOC with Bank of America for several years and up until XX/XX/2020 the line was working properly in terms of draws, repayment of principal and monthly debt servicing. The monthly servicing was taken directly by the bank by debit from an existing Bank of America checking account. 

On XX/XX/2020, I make a " principal only '' repayment of {$1500.00} from my Bank of America checking account. For some reason the bank did not reduce principal but rather held the amount in suspense. This same result was applied to a payment of {$2700.00} made later in the month. After a 2 hour wait on hold by their customer service line I was told the bank has upgraded its servicing software which is the reason for the delay in application to reduce principal. 

This is not the only issue. The amounts in suspense began to be used by the bank to pay my monthly service amount without my consent or even discussing. Now they apparently have reversed these entries and are showing my loan as past due. I am totally confused. 

I also don't agree with their principal balance and have not since XXXX. I asked the local branch recently for a reconciliation. I did my own reconciliation while I waited for theirs. Upon receipt, what the bank sent was almost unusable. I believe that my principal balance differs from the bank by more than {$1000.00}. 

After two months of trying to get this corrected, I have never been more frustrated than I am today. I can not be the only customer who has this same issue given it was a systems conversion which is the cause. No intelligent person at the bank will even return my phonecalls or respond to my email. 

Can you please help? 

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 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aspen National Financial, Inc.
State: AL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was pre qualified for a mortgage loan on XX/XX/XXXX by XXXX XXXX, who is the Mortgage Loan Originator of the Fifth Third Bank. I was pre-qualified for {$320000.00}. I went into contract to buy a house and I had to send a {$2000.00} deposit to the tittle company. The bank kept us waiting for the loan approval making us change the closing dates 3 times over the course of 2 months. Now, two and a half months later the bank send me a denial letter for the loan and we cant close on the house. In addition, the sellers dont want to give me the XXXX deposit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

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 2020-10-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Services continues to call and mail me collection notices of a debt they purchased from my original mortgage company. This debt was discharged in a bankruptcy over 10 years ago. They have also sent people to my home to leave notices on my door and photographed my home. They have also contacted friends on their personal cell phones. I have absolutely no idea how they obtained this information.

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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I recieved a email from chime bank saying that my account was suspended and that I needed to provide proof of where the money in my account came from. After sending in all documentation o received another email saying my acount was closed and that I'm not eligible for a refund. They took over XXXX dollars I've been saving to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: FL

Complaint narrative:
When closed the loan my monthly payment supposed to be {$1200.00}. I pay my insurance and taxes separately and not through the escrow. In XXXX my lander informed me that there is a problem with my insurance and they will place forced insurance on my account. 
I called my insurance agent and we fixed it. But last 4 months my lender keeps charging me {$2700.00}!!! Every month. I called to the lander multiple times, they can't explain to me why? I overpaid my monthly payments in few thousands of dollars already and nobody helps me to fix that issue. They keep charging me {$2700.00} instead of {$1200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank has been calling friends and family on both their private and business cell phones despite the fact that they have a phone number with which to reach me. I have assigned all of my accounts to a debt settlement company, yet they continue to harass my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I have Mailed Portfolio Recovery Associates dispute documents and have requested they verify this account that was placed on my report in error. They did respond however they did not validate the account and did not remove it from my report. They are still fraudulently reporting a false, unvalidated account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I transferred {$500.00} from my Bank of America checking account to pay my BoA credit card account on XX/XX/2020. By the end of the day I noticed that the payment had not gone through and I made the payment again. The next day I noticed 2 transactions for the same amount leaving my checking account. This put my account in the red and overdrew it. I immediately called BoA customer service and explained the issue and requested the second transaction be reversed and the money refunded to my checking account. I also requested a refund of the {$35.00} overdraft fee. I want a refund because they did not put through the original payment hours after I  made it, nor did I see it reflected in my account. I rejected overdraft protection when I opened my account as I never go over the limit and I would rather have a payment rejected rather than be charged a fee. BoA keeps changing this setting. I requested it at the beginning of the year as well but they keep making excuses as to what is not included etc. It's not my fault that my account did not reflect the payment I made. This was an internal transfer between 2 BoA  accounts. There is no reason why I should be charged.

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 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
On XX/XX/XXXX, the company XXXX was notified that my credit report reflected an account opened in my name which I did not recognize and understand was fraudulently opened. Also this was reported to all credit evaluators and to the FTC to support my claim. On XX/XX/XXXX, he was contacted by a collection agency stating that they had been hired to collect the debt that is not mine. I will immediately proceed to send again all the evidence that supports my case of identity theft and that said account was opened fraudulently.

Company response to consumer: Closed with explanation