vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Credit Bureau XXXX  has not been updating my delusions and removals. XXXX  numbers are incorrect and I want a critique of my credit report and delete outdated in XXXX also my credit card information is incorrect. Also also trans union has to update my credit report from credit XXXX also my XXXX  account is incorrect and I want that fixed 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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
Am unsure if this qualifies as a complaint at this time, as a mortgage has not actually been started. But, that is my issue, multiple attempts to get Guaranteed Rate ( XXXX XXXX [ sp? ] ) to respond to us and start our process have gone unanswered in any form.

Escalation to their Branch Manager ( XXXX XXXX ) did get a limited response, telling us they will start things now, but we are going to miss our closing date. 

Is there at this time a complaint, or is there another regulatory authority I should be contacting?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company haved call numeros of time before XXXX XXXX  and after XXXX XXXX. They have said they were going to take me to court and sue me for everything I have. I told them my information was stolen and they said it is not their problem. I'm hearing my credit for getting a home for my family. These companies are the ones I called and stated are not my accounts. PORTFOLIO RECOV ASSOC XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card with Citi Financial and I make my payments on time and in full. The entire time I have had my card my minimum payments have continued to rise and my interest charged has risen as well. I have complained to them but there was no help and they were very rude. If I make my payments on time my payments I should not be penalized with higher payments and since my balance has gone down I should not be charged more interest.

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 2020-11-04 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: NV

Complaint narrative:
Credit Bureau Experian has not been updating my delusions and removals. XXXX  numbers are incorrect and I want a critique of my credit report and delete outdated in XXXX also my credit card information is incorrect. Also also XXXX XXXX has to update my credit report from credit XXXX also my XXXX  account is incorrect and I want that fixed 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 2020-11-04 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX and the reason I am reaching out today was to complain on Pacific Union and their their lack of response and reporting. I have done everything they have asked and followed every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am staying at a hotel and I paid the hotel XXXX dollars for 18 days. Somehow when they ran my card my bank BB & T split it up when the manager ran it as one charge. Now BB & T took out $ XXXXand they have {$580.00} and {$440.00} on hold and the {$1000.00} has already been withdrawn. When I called and told them to release my funds because my account was now negative they tried to blame the hotel. When I went to the manager she showed me the charge she made on XX/XX/2020 and it was one charge of {$1000.00}. BB & T has held up over XXXX dollars of my money for 5 days. I have had no way to buy food and to take an XXXX they have jeopardized my mother and my safety as she is a XXXX patient and I need to be able to take her to the doctor and we have no way to go anywhere or to buy food. This should be illegal and I would like my money back and the reparation for the high interest loan we had to take to bring my account into the positive so that these thieves did not try to charge me NSF fees as well. The interest on this loan is over {$200.00} dollars and it is all BB & Ts fault. They should not be allowed to get away with this. Then the woman told me I have to wait for the funds to come off pending status and if the money did not go into my account I had to report it as fraud against the hotel. They did not commit fraud BB & T committed fraud. This is absolutely horrible that they can get away with this. They have held up over XXXX dollars of my money for their own use for over 5 days.

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 2020-11-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX {$240.00} XXXX XXXX  XXXX {$150.00}

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 2020-11-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$240.00} XXXX XXXX  XXXX {$150.00}

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 2020-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2020, I received a U.S. Bank Reliacard for unemployment. I am retired, not unemployed, and did not request this card. I have tried calling U.S. Bank at several different phone numbers to report this but each number requires me to give information over the phone that concerns me. I do not wish to activate this card. I want to report it as fraud and possible identity theft.

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 2020-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I am not awear of a company by the name of Moneylion Inc I have never did any type of business with this company therefore someone used my personal information and took a loan out using my name. I did not know anything about this transaction until XXXX of 2018 it appeared on my credit reporting. I have filed a Identity Theif claim with XXXX XXXX and continue to dispute this charge I also spoke to the 3 creditors XXXX, XXXX, and XXXX I have request for a Fraud Alert placed on any new account that shows up on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
On XX/XX/20 I sent an email to Flagstar with the following message. " Good morning. I'm reaching out as I was alerted that taxes were paid out a few days ago. On XX/XX/20 I sent in the Homestead Exemption form. I received confirmation it was received, talked with someone over the phone and told it was good to go, and even received an escrow surplus refund. Was this in error, or has something changed? I'm very confused by this. '' I did not receive a response, even after sending four more emails since then, yet I do receive confirmations that my email was received. My wife has since contacted Flagstar via XXXX, which honestly that experience was a waste of time, and almost as if we're speaking with a teenager. After many emails, and many XXXX messages, and longer than a month in waiting, we received not an email with an answer, but a voicemail with absolutely no information. We no longer have trust with Flagstar, and would like a response in writing. Flagstar has communicated with us in the past regarding property taxes and such, but for some reason there is now a refusal to do so. Most recently another concern popped up. We received two letters from Flagstar, one dated XX/XX/20 and one dated XX/XX/20, both were received on XX/XX/20. One came from TX and one from MI. Flagstar refused to explain why a letter dated XX/XX/20 did not arrive to our home until XX/XX/20, as there is no postmark on the letter. The letter dated XX/XX/20 stated we owed {$500.00} and some change and it needed to be paid by XX/XX/20, yet we received the letter on XX/XX/20. With us being in IL I do not see how it would take a letter ten days to get to me. It's clear the letter was not mailed on XX/XX/20.

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 2020-11-04 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: Sarma
State: TX

Complaint narrative:
I called the company and they could not find the account and said it was due to false information I told them are they sure wasnt my cousin who is known for this snd that is the reason Im under identity thief repair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: AES/PHEAA
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back in XXXX, I completed the three month loan modification trial period plan with BOA. That should've results in a permanent modification due to the successfully completion of the required trial payments. After, the trial I didn't receive the permanent modification. It was sold to XXXX, XXXX on XX/XX/XXXX where the mortgage went from XXXX to XXXX. Now, XXXX XXXX XXXX XXXX XXXX XXXX has the mortgage since XXXX. I tried to modification with them and have been denial for all trials. Even thought the original approved modification should've transferred over when they assumed the loan.

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 2020-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone went into the account via ATM machine and pulled out money on XX/XX/20 ( {$1000.00} XXXX in XXXX, CA & on XX/XX/20 ( {$180.00} XXXX in XXXX XXXX. We called Bank of America to report it and they sent a letter stating that the account or the claim was fraud and if I wanted to request to reopen the claim to call. On XX/XX/20 I called the Bank to reopen the claim and have not received a call nor mail re : reopening the claim. So I have been calling since XX/XX/20 regarding the status of the claim to no avail. I can not reach anyone at the claim 's office of Bank of America. The waiting time is over 2 hours and 3 hours and only then get a recording that they can not take my call at this time and/or the recording automatically hangs up. I can not reach anyone at the claims office. For many weeks, I have made many more attempts to connect but are unable to get a hold of a representative.

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 2020-11-04 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I contacted Security Finance on XX/XX/XXXX in reference to an account that has incorrect payment history. I requested that they send me information showing that the payments I made were late. I received nothing in response. I sent this letter via Certified mail and have proof that they received it. I made payments in the months that they are recording as late. The notes state that I was 60 days late in XX/XX/XXXX. I made payment on XX/XX/XXXX. My records show that the payments were made within the 30 day Credit reporting window. I have contacted the local store and was advised that the account appears current and I should contact Corporate.

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 2020-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
This collector continuously calls me I have advised them they have the wrong person middle initial does not match they have called me now for five years was part of a class action lawsuit and they continue to harass me constantly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo and was transferred several times. A person by the name of XXXX XXXX is using my address at XXXX XXXX XXXX in XXXX Texas. She has her mail forwarded to another address ; however the US Postal service provides me with a scanned mail before it gets forwarded in another address.

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 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have a credit card which is due the first of every month. My payroll is structured to my bank account on the first and fifteenth of every month. The last two times I made my payment on the day it was due. I always pay more then what the minimum is, I'm in Arizona XXXX and this company is on XXXX. They charge me a late fee because I did not meet their specific cut off time. I make my payment on the day it is due. The web page even stated payment date right on the payment page. They charged me a late fee because they posted it the following day. My payment was not made on the day after it was made the same day it was due. I emailed them and advised them that I make my payment when funds are available to my account which is that day. This is unethical practice I can understand if my payment was late but it is not. They use this time zone to collect late payments even when I paid it on the day it was due not the following day..

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 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I filed complaint against Ability Recovery Service, who was representing XXXX University. ( # XXXX ). I had paid them {$2400.00} of {$2900.00} for a debt owed to XXXX University. They were reporting my payments wrong to XXXX and to the credit bureaus. At the time of filing the complaint I only owed them {$570.00}. On XX/XX/2020, I paid {$230.00}. On XXXX XXXX, I paid {$230.00}. I paid {$100.00} on XX/XX/2020. That is a total of {$570.00} dollar, which is all that I owed. They are now telling me that I owe them {$50.00} and refuse to credit my account as Paid in Full and correct my credit report. The bill stated that I owed them {$2900.00} dollars and that is what I paid them. I am not paying them any more money. I have attached Complaint XXXX, the original letter I received with the amount of debt owed, and a screen shot of the payments made since the last complaint to prove that the account is paid in full.

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 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I sent a letter of validation to online information services to verify a medical debt that they stated I owed in the amount of XXXX they replied with a copy of the charges that was billed they did not show proof that i was the one that authorized that charges and did not show anything with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I started a loan process with Caliber Homes the Loan officer was XXXX XXXX. The start of this loan was in XXXX, and he has delayed in correspondence as well as communication. I was due to close 5 different times, each time Mr. XXXX had a different answer. He also seems to be very Bias towards making the loan happen. He continuously sends me emails each time with the same questions. I have reported him to his company, he seems to be accusing me of not be a hard-working XXXX XXXX woman. He seems to not believe that someone can actually get up and go to work each day not working one, not two but three jobs. He has accused me of acquiring funds in an unlawful manner. He has not been honest with me, and I am about to loose the sale of this home as the seller has waited 4 months for Mr. XXXX who appears to be giving us the runaround. He has shown no discretion in my loan. He has contacted every employer at my firm as if I was lying about my employment and my income. I have been more than fourth coming with all of my finances and still, he seems to be showing me a lot of XXXX. I have written formal letters and still, he finds a reason why I shouldn't be a homeowner. I am so upset at this point and would like to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My mother passed away and left the account to myself, my brother, and sister. My brother and mysekf went to the bank on XX/XX/XXXX to close the account but leave it in the bank. I received a note fro the bank that the account had been closed. That is true but the money had been left in the bank to split up between all three of us. I received another account statement days latter stating that the money had been removed by my brother and place in his bank. He said nothing about this to me. The money was not for him but to be split up. The bank was notified and they told me to contact the branch. My brother stole XXXX belonging to meXX/XX/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