vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I was trying to stop my forbearance program, and apply loan modification with my current lender Wells Fargo mortgage. But my lender didnt process my request for 2 months. Im very sad and desperate to get ignored because of Im a XXXX woman, with a weird XXXX name, and a poor English speaker. 

I contact them for more than 10 times, at the end, Wells Fargo mortgage asked the tricky questions and rejected my loan modification request. Im a single mother, I only get paid child support {$440.00} from childrens father every month. Im working two jobs to take care of my family and to save my house. 

Wells Fargo mortgage didnt support me, but bully me by delaying process my application, then reject my loan modification request. 

I feel that I didnt get treat fairly. Hope CFPB can help me to process my loan modification application. Thank you for reviewing my feedback.

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 2021-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
XX/XX/2021, my credit report was flagged, collections, {$900.00} by Phoenix financial services. I contacted PFS on XX/XX/2021 And was told it was a medical debt I explained I have insurance and should not have any medical bill. I was informed I was outside the dispute time and would have to pay or deal with the consequences of it being on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX XXXX : Unauthorized Credit Inquiries to Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiries removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. I am a victim of fraud and have a police report on file. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Thank you, 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 2021-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 at XXXX XXXX XXXX, I phoned Capital One. At XXXX XXXX XXXX answered. 

While I was mostly on hold, at XXXX XXXX, XXXX informed me that she would not provide me with the information that I requested. 

Specifically, I require 1.the balance on the Capital One credit card that I closed, 2. the copies of my statements, or a payment history that reflects payments made, 3. the Capital One address that will provide the answers to my inquiries in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: GA

Complaint narrative:
My Equifax credit score has been blocked from all monitoring sites by Equifax since XX/XX/2021 when it was at XXXX. I am the victim of identity theft from my storage being broken into and im also trying to purchase a house to get my family out of the bad situation we are in due to the coronavirus. I have made numerous attempts to call Equifax and rectify this situation but those attempts have failed. I have been told things like its a technical issue but they can see my information on their end, or that I have no lines of credit on my credit report which I know is a lie because I have credit cards and loans on my report, or the problem is I need to sign up for the upgraded package and I did and that didnt work because of the block they have on my account, and the latest excuse was I need to submit proof of my identity because I have 2 Address on my account so i sent this information 3 weeks ago and was told this information was all I needed to restore my account. I called this week and was told the documents was unclear and to send them again which I did and I am still not able to see my reports and they are still blocked on all sites. My XXXX account was deleted because Equifax will not continue to provide my score and this is the reports real estate companies need to approve the house. All I want is my score restored because I have no idea way it was blocked in the beginning. I have sent all documents to prove my identity so please fix this immediately on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX I tried to withdraw XXXX from my account and was held up to verify my funds Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
credit bureaus are siding with a corrupted fraudulent Bank, XXXX XXXX. I had a car loan that was paid on time, 60 payments. Monthly. XXXX XXXX reports car loans as well as boat loans as well as mortgages as " charge offs '' so that as a huge Corporation they would pay less taxes. And you are siding with them too. It is illegal to lie about how a car loan was paid. My var loan was never 120 days late. I was even sent a refund check of {$1600.00} in XX/XX/2020 because I overpaid the car loan and overpaid for fees I was not supposed to be charged for. I have a letter that proves that. I have payment history print outs too. They have nothing. And if they have anything it is altered. Again this is a bank that is on the news almost every week and has been for over 15 years at least. XXXX. XXXX Fraudulent. And CFPB apparently does nothing about it. Hideous.

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 2021-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This complaint is to address an issue with transunion. I submited a dispute on XX/XX/2021. Transunion completed the dispute on XX/XX/2021. The dispute was that the creditor did not want payment from me to close the account. This results in an indication that I do not have ownership of this account. I have contacted all parties involved and nothing has been resolved.

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 2021-04-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I traded my least XXXX XXXX for a financed XXXX XXXX. A month later I got a 30 days late payment notice for the least XXXX. I had not owned the car for over 3 weeks when I was contacted about the payment. When I called the dealer they said they made a mistake and had forgotten to pay it off. This should not be on my credit report as I did not own the vehicle at the time of late payment by several weeks. XXXX XXXX XXXX was the leasing company for the traded vehicle. When I asked them and explain to them that the dealer had the car and I had signed it over on the XXXX they said they can not do anything about it. I would like this removed from my credit report.

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 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IN

Complaint narrative:
This situation started in early XX/XX/2020 when I received a call from XXXX XXXX of Amerisave Mortgage, solictiting the refinancing of our second home in XXXX XXXX, New Mexico. We had been working with XXXX XXXX on the refinance, to take advantage of the lower rates that were being offered by the industry. We were in our 3rd or 4th month with XXXX XXXX, I asked XXXX how long it would take to close our loan with AmeriaSave and she said " 20 days '' I asked the rate and she said 2.375 % 30 year fixed ( this was later adjusted to 2.25 % in XXXX. The 20 days turned into over 240 days. I would go into their Portal to check on what might be needed, and seldom did it indicate any additional information was required. When they did indicate the need for more information, we supplied it promptly. They offered " Cash to Close '' which we accepted in order to payoff two commercial realestate loans that were a 4 % adjustable rate. The total of these two loans was approximately {$210000.00} and the Cash to Close was estimated to be about {$140000.00} and we had two savings accounts which we could draw on to make up the difference to pay both off. Starting in about the 3rd or 4th month, I was getting concerned about the delays in closing our loan, but learned that the mortgage industry was being flooded with refinances to take advantage of the lower rates being offered, so I tried to be patient. Every month AmeriaSave indicated they were close to closing. At some point along the way I asked them if there were issues with our loan with which they were uncomfortable and really did not want to make the loan, and they assured me that was not the case. I spoke with several individuals at AmeriaSave, trying to get some answers, unsuccessfully. I had a call from XXXX XXXX from their " Customer Care '' department ( XXXX ) who tried to intervene and move our closing along, unsuccessfully. The refinance with the Cash Out would have reduced our monthly costs by a little over {$2000.00} a month, so we were obviously eager to complete the closing. A few days ago I received a phone call from an individual that I had never talked to before, stating he was with AmeriaSave and regretted that he had to inform me that they were withdrawing their offer to refinance. At first I thought it was a scam call as I had had no communication from AmeriaSave indicating a problem ( still have not received anything in writing explaining the reason for withdrawing from our refinance ). I later learned that about 3-4 weeks ago, the Federal Government had changed the rules on second homes and that interest rates and gone up. I appreciate that rules can change, but had AmeriaSave acted in a timely manner, our loan would have closed and we would not have been caught in the regulatory change.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request deletion of the following inquiries in my credit profile : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX. I am a victim of identity theft and do not recognize making these inquiries. I ask that the items be verify and deleted to correct my credit report. Thank you very much for your time and service.

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 2021-04-17 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:
There are some creditors and inquiries that are on my credit report that I do not recognize, nor did I approve of them being on there. Please delete them immediately.

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 2021-04-17 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:
There are some creditors and inquiries that are on my credit report that I do not recognize, nor did I approve of them being on there. Please delete them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not feel I am getting a fair investigation by Experian to address my concerns. I keep contacting them so that they can review the concerns I have with the reporting of the information on my credit report. 

I have asked them to provide me with documentation they are using to verify this information they are reporting. I have sent them such a request on XX/XX/21 and to date I have not received the information required by law. 

I will be filing a complaint with my state attorney general and seeking legal action if they do not provide this legally required information they claim they have for reporting this error.

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 2021-04-17 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: EQUIFAX, INC.
State: UT

Complaint narrative:
credit bureaus are siding with a corrupted fraudulent Bank, XXXX XXXX. I had a car loan that was paid on time, 60 payments. Monthly. XXXX XXXX reports car loans as well as boat loans as well as mortgages as " charge offs '' so that as a huge Corporation they would pay less taxes. And you are siding with them too. It is illegal to lie about how a car loan was paid. My var loan was never 120 days late. I was even sent a refund check of {$1600.00} in XX/XX/2020 because I overpaid the car loan and overpaid for fees I was not supposed to be charged for. I have a letter that proves that. I have payment history print outs too. They have nothing. And if they have anything it is altered. Again this is a bank that is on the news almost every week and has been for over 15 years at least. Corrupted. Liars. Fraudulent. And CFPB apparently does nothing about it. Hideous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
credit bureaus are siding with a corrupted fraudulent Bank, XXXX XXXX. I had a car loan that was paid on time, 60 payments. Monthly. XXXX XXXX reports car loans as well as boat loans as well as mortgages as " charge offs '' so that as a huge Corporation they would pay less taxes. And you are siding with them too. It is illegal to lie about how a car loan was paid. My var loan was never 120 days late. I was even sent a refund check of {$1600.00} in XX/XX/2020 because I overpaid the car loan and overpaid for fees I was not supposed to be charged for. I have a letter that proves that. I have payment history print outs too. They have nothing. And if they have anything it is altered. Again this is a bank that is on the news almost every week and has been for over 15 years at least. Corrupted. Liars. Fraudulent. And CFPB apparently does nothing about it. Hideous.

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 2021-04-17 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: IN

Complaint narrative:
i am writing to delete the following information in my file, the items i need delete are listed in the report i am a victim in identity theft and did not make the charge. i ask that the items be deleted to correct my credit report. i reported the theft of my identity to the federal theft admission, i also have enclosed copy 's of the federal trade commission identity theft affidavit. I will appreciate if you delete as soon as possible as it is a hindrance in my life to advance the events in my life style to provide a better life for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: FL

Complaint narrative:
I was a victim of identity theft. I sent a ftc report in to all the credit bureaus, per the fcra the have to block these items within 4 business days. the following Accounts XXXX XXXX at 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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft. I sent a ftc report in to all the credit bureaus, per the fcra the have to block these items within 4 business days. the following Accounts XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/2021 I traded my least XXXX XXXX for a financed XXXX XXXX. A month later I got a 30 days late payment notice for the least XXXX. I had not owned the car for over 3 weeks when I was contacted about the payment. When I called the dealer they said they made a mistake and had forgotten to pay it off. This should not be on my credit report as I did not own the vehicle at the time of late payment by several weeks. Southeast Toyota finance was the leasing company for the traded vehicle. When I asked them and explain to them that the dealer had the car and I had signed it over on the XXXX they said they can not do anything about it. I would like this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I tried getting PNC to verify my account for XXXX and XXXX said PNC was blocking them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was checking the rates I would get for credit cards and was instantly approved and issued a card. This makes my credit score weaker since I now have a lower average length of time with accounts opened. I don't understand why you can't just check w/o having a credit card issued. I did not and do not want that credit card or the negative impact it has made on my credit report.

Company response to consumer: Closed with explanation