vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I recently opened a new savings account with Wells Fargo. I currently have 10 accounts with them. I opened this account online without issue. Several weeks later, via standard mail, I received a request for signatures for the account. With this correspondence from Wells Fargo that was sent via regular mail, it included my full name, full address, full social security number, full bank account numbers and full driver 's license number. The documentation they mailed me via uncertified, regular mail in a clearly marked 'Wells Fargo ' envelope, contained ALL of the information necessary to access my accounts or steal my identity. I was blown away to see this come through. This is completed unacceptable. Anyone could have accessed my mail box and obtained this information and caused major problems -- I could have lost my livlihood over the carelessness of Wells Fargo putting myself and my family at this kind of risk

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT! Attached is letter dated XX/XX/2020 received from XXXX regarding my complaint. See areas I highlighted. This is now a complaint because XXXX doesn't know their business. The knowledge of HUD loan requirements, and should have never unnecessarily pulled credit prior to qualifying property. Step One - Qualify. Step Two - go forward. The first phone call should have been one question ; " Please describe your home ''. 
I am not the pro as XXXX advertises to be. And this should have been caught by XXXX and not weeks later by an appraiser in the field. 
XXXX, yes, I am frustrated my property did not meet HUD loan requirements. Shouldn't XXXX know the HUD loan requirements and shouldn't it be qualified before any credit is extended? Why extend credit if property will not meet HUD Loan requirements? 
And XXXX CARES Department doesn't care very much by making a smart statement " XXXX acknowledges that this is the 4th time you have submitted this complaint to various agencies ''. Perhaps 5 times is required for XXXX to understand this. 
The reason for XXXX is because I was involved in XXXX fraud and identity theft. I don't need an inquiry on my report that should have never been there in addition to days of wasted time. 
Look at areas highlighted on your attached letter " 3. To a person which it has reason to believe ''. Is XXXX a company or person? So who is the person? 
In addition, noting was mentioned about Factual Data. And I call Factual Data and the recording states press ___ number if you want a copy of your credit report. Then a lady gets on who is with XXXX, a sister company of Factual Data and both are part of the XXXX. Now XXXX, Factual Data, XXXX, and XXXX all can have access to my personal information. This is totally wrong! Perhaps XXXX CARES Department needs to read this again " 3. To a person which it has reason to believe ''. 
I had to fight to get the reimbursement on the appraisal fee and am still waiting months for the final {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT! Attached is letter dated XX/XX/2020 received from XXXX regarding my complaint. See areas I highlighted. This is now a complaint because XXXX doesn't know their business. The knowledge of HUD loan requirements, and should have never unnecessarily pulled credit prior to qualifying property. Step One - Qualify. Step Two - go forward. The first phone call should have been one question ; " Please describe your home ''. 
I am not the pro as XXXX advertises to be. And this should have been caught by XXXX and not weeks later by an appraiser in the field. 
XXXX, yes, I am frustrated my property did not meet HUD loan requirements. Shouldn't XXXX know the HUD loan requirements and shouldn't it be qualified before any credit is extended? Why extend credit if property will not meet HUD Loan requirements? 
And XXXX CARES Department doesn't care very much by making a smart statement " XXXX acknowledges that this is the 4th time you have submitted this complaint to various agencies ''. Perhaps 5 times is required for XXXX to understand this. 
The reason for XXXX is because I was involved in XXXX fraud and identity theft. I don't need an inquiry on my report that should have never been there in addition to days of wasted time. 
Look at areas highlighted on your attached letter " 3. To a person which it has reason to believe ''. Is XXXX a company or person? So who is the person? 
In addition, noting was mentioned about XXXX XXXX. And I call XXXX XXXX and the recording states press ___ number if you want a copy of your credit report. Then a lady gets on who is with XXXX, a sister company of XXXX XXXX and both are part of the XXXX. Now XXXX, XXXX XXXX, XXXX, and XXXX all can have access to my personal information. This is totally wrong! Perhaps XXXX CARES Department needs to read this again " 3. To a person which it has reason to believe ''. 
I had to fight to get the reimbursement on the appraisal fee and am still waiting months for the final {$120.00}.

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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
Contacted BSI Financial on XX/XX/2020 to request bereavement due to being impacted by Covid-19. The company will not process my request even though my loan is backed by XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: RI

Complaint narrative:
In XX/XX/2020, I noticed that a new collection account was added to my credit bureau. I contacted the collection agency listed, Receivable Performance Management, and let them know that this " collection '' had been paid years ago. 

At the time, I had had numerous problems with XXXX, to the point where I had written letters to the headquarters regarding incorrect overcharges on my account. XXXX had once refunded me more than {$200.00} because I ( finally XXXX noticed they had been charging me every month for a streaming service I did not have. They also had to refund me money for some type of insurance that I never requested. Insurance that I had, in fact, denied at the time of purchasing a phone from them. Apparently the sales agent added it anyway. 

After years of headaches with XXXX, their inaccurate billing and awful customer service, I decided to go to another phone company. When I attempted to do so, I could not, because my phone was " locked '' by XXXX and I had a balance on my account with them. In order for me to have the phone unlocked, I had to pay the balance in full, which I did. 

I sent the collection agency the only proof of payment that I have, which is the first email from XXXX stating that I owe money and they won't unlock the phone, and the second email from XXXX with instructions as how to unlock the phone -- sent to me because I paid the balance in full! 

XXXX was a nightmare to deal with and I have been overcharged and fraudulently charged by them on NUMEROUS occasions. I do not know what took me so long to leave them! I would be in tears over the hours it would spend and the hoops I would have to jump through to get someone at XXXX to resolve something. So now, after all these years of being free of them, I am LIVID that this is on my credit bureau. 

The collection agency said they contacted XXXX, and that XXXX refused my dispute. If I were in a position to do so, I would hire an attorney over this {$150.00}, have the entire transaction history examined, and in the end, it would likely show that they owe ME money. I was so busying working fun time and going to school in the evenings, I did not have time to analyze all of my bills. Being naive, I just paid it, until the day I realized that I was overpaying for things I didn't even have. 

Thus, if you are able to do so, I'd like you to see EVERY dispute that I had with them, EVERY refund they had to give ME, every emails or letter I had to send them, all the incorrect bills. I do NOT owe this money, and I wish I had the means to sue XXXX for putting a consumer through this! Please help me resolve this and remove this from my credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Card member XXXXervices notified me of unexpected sudden reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of Chase 's Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Needed to temporarily unlock my account. Unable to do through on line system due to inconsistencies. Tried multiple ways to get to a live person to get this resolved. Even did an on-line search about how to get talk to a live person. Apparently this is a common problem with experian. System told me to submit documents via us snail mail. Home loan is waiting on this report and doing it Thru the mail is too slow. Its ridiculous that I cant reach a live person when the automated system cant resolve the problem. Very frustrating since I depend on them without a choice and they have nothing in place to problem solve with customers who fall out of the normal algorithms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone wrote me a bad check, I even thought it was suspect so I called fraud department before it cleared to see if they could cancel it or flag it or investigate it they said no it looks okay. The next day it cleared then later bounced but I never took any of the money out so there was no issue. The next day they closed my account said it was under investigation in the fraud department and gave the account to a XXXX XXXX who is on leave, so thats not okay, my money was frozen and no timeline on when it will be looked at? So I spent hours on phone and in banks with every department and all I could get was her managers number XXXX XXXX who will not and has not returned any phone calls to me bankers or bank managers in over two months and this is after I received a letter in XXXX from chase saying they closed my account and I will receive my funds in ten days that was 40 days ago, still no returned calls I even got her managers number XXXX XXXX and he wont answer or return calls

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Good evening, To whom it may concern, I paid XXXX XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX  and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I am disputing to have the report removed from my credit. XXXX XXXX has rendered the worst customer service since my mortgage was transferred to them. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
It all started in XXXX when I made my house payment to Bank of America on the XXXX, and it cleared my checking account on XX/XX/XXXX. They mistakenly applied the entire amount, ( including {$100.00} extra to principal, which I do every month ) to principal instead of house payment, Who in their right mind would make a {$1200.00} payment to principal and not make their house payment. I have tried the entire month of XXXX and XXXX to clear this up. I ended up making my XXXX payment over the phone, and getting a confirmation number because the local branch where I usually make the payment wouldn't accept it. I made that payment on XX/XX/XXXX, and it cleared my account on XX/XX/XXXX. I recently made my XXXX payment over the phone as well, and got a confirmation number because B of A keeps sending me letters saying that I owe {$2700.00}. Every time I speak with someone it is a minimum of an hour and a half on the phone, and they always tell me that it shows I have made my payments, but due to their error, they are not being processed correctly. I spoke with someone again this morning and told them they have until next Wednesday to clear this up or I would be contacting 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 non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, My issue began several months ago when I attempted to take out a plus loan, but was denied due to TransUnion having a inaccurate report of an amount owed to a specific source, and when contacting said source they assured me that TransUnion was incorrect and had no idea where they were receiving this information from. However, after resolving this issue with TransUnion during the initial denial, dispute, ect. they assured me that the situation was resolved. I was also under the impression the issue was resolved due to earning the desired plus loan after my efforts towards addressing this situation. However, I recently encountered the same situation again at the beginning of this week when denied another plus loan for school due to the same exact faulty information that TransUnion allegedly corrected during the first instance of this situation with the incorrect information of me owing that same exact specific amount of money from that same specific source. Additionally, I have attempted to follow the same steps AGAIN to attempt to correct this issue, but TransUnion has been very difficult to work with, via their customer service representatives and their website frequently locking me out as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account NumberXXXX XXXX XXXX  Account NumberXXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXXXXXX 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 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have a debt with Jefferson Capital LLC. They bought my original debt from XXXX XXXX. The original debt amount is XXXX. Today XXXX I called Jefferson Capital to settle my debt. The rep whos name was XXXX talked to me. He read me disclosure, reparated debt to me and asked if I could pay full amount I said I dont have full amount but I could pay XXXX. He checked with his imaginary manager and said ok. He asked how would you like to pay. Before I decided to pay I asked for a settlement letter by email so that I can have in writing our agreement. He said his company dont do that because of the offer was not the original offer and after I pay Id get an email within 24 hrs. We went back in forth. I end up  hanging up after he kept lying to me saying he couldnt provide a debt settlement letter. I need help with this issue and for them to provide me with the debt settlement letter in writing for the XXXX so I can pay and move on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These medical collections are not mine, nor have I even went to any medical facility. I am not sure how this person got my information, but I want it removed immediately. Additionally, I am NOT a credit repair company, and I can assure you that this is my credit profile that we are talking about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These medical collections are not mine, nor have I even went to any medical facility. I am not sure how this person got my information, but I want it removed immediately. Additionally, I am NOT a credit repair company, and I can assure you that this is my credit profile that we are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I gained a car loan XXXX XXXX XXXX for a 2013 XXXX XXXX hybrid. I've had loan for 41 months -- simple interest loan- ( unbeknownst to me initially at dealership-XXXX  XXXX XXXX Illinois- Sales Rep- Mr. XXXX  ) through financial institution Prestige Financial. As of today XXXX, It has been stated that I owe XXXX. 

I strongly believe I have been a overcharged based on being a XXXX XXXX woman. 

Please help! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation