vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 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: 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 {$590.00} XXXX XXXX XXXX {$120.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX  and XXXX. But XXXX has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XXXX of XXXX to all three agencies. I still have not heard from XXXX. Please demand they start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EMCC Holdings, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX and XXXX. But XXXX has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XXXX of XXXX to all three agencies. I still have not heard from XXXX. Please demand they start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SoFi Mortgage, LLC
State: MI

Complaint narrative:
Initial loan application was placed on XX/XX/20 for refinance with SoFi Mortgage. Over 2 week delays multiple occurrences in response times for any actions to be placed on the loan. During those times of no response multiple calls and emails were sent. This has happened now for 130 days since origination with no signs of an end. 

Paid for appraisal on XX/XX/20 with receipt. Closing disclosures sent showed appraisal being charged again at time of closing. Payoff amount shown on closing disclosures {$1200.00} more than payoff amount quoted from current lender ( same date of payoff ) Credit was pulled a second time without authorization from myself or my wife. No confirmation from SoFi that this is corrected. 

Closing was scheduled to take place XX/XX/20 with a signing agent ( SoFi Scheduled ). SoFi never sent the documents and did not answer calls or emails from the agent to get the documents. No clue when/if the loan with close now. 

This company is deceptive and unworthy of business.

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 2020-08-07 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 {$590.00} XXXX XXXX XXXX {$120.00} XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXXXXXX {$44000.00}

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 2020-08-07 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 {$590.00} XXXX XXXX XXXX {$120.00} XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXXXXXX {$44000.00}

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 2020-08-07 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: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I have applied for refinance of my primary mortgage for 15 years on XX/XX/2020 with XXXX XXXX from US bank. They did a rate lock which was to expire in 3 months. 
They took initial deposit of {$390.00}. 
They collected some documents from me but did nothing, their loan office XXXX XXXX XXXX, just put me on hold for hours together while talking to someone else. After 4 months of doing nothing with my application the loan officer finally said that they have fired their Underwriter who was incompetent and now my loan application will move faster. I asked them to refund my {$390.00} so that I can get my refinance application somewhere else but they refused to refund the money. The lock period expired and the rates went down considerably but they refused to put another lock for lower rate. Now I am in this limbo where I do not know what I can do? The consumer should not be made to suffer if US bank choose to hire incompetent employees who can not do their work.

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 2020-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Good Afternoon Capital One Executive Office ; Listen, I'm going to try this again! This is in regard to an alleged " AUTHORIZED USER '' account that keeps reporting on my credit report which I never gave anyone my personal consent to be added. This is definitely a breach of my privacy and I'm not quite sure that happens. There is a credit card from your company added on my credit report that says that I'm an authorized user and the balance is {$260.00}. To make it clear, I did not authorize anyone to add me and I would like to get this resolved. I was just sitting down with my personal financial advisor and he mentioned that I'm still on this account, and I'm asking AGAIN, that you please remove and delete this account from my credit profile and remove any responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TCF NATIONAL BANK
State: MA

Complaint narrative:
TCF National Bank allowed an account to be opened by an individual who stole my identity. TCF National Banks address is XXXX XXXX XXXX, XXXX, Michigan XXXX & their phone number is ( XXXX ) XXXX. TCF has sent the account to collections. I received no notifications about the fraudulent account being past due because the individual who stole my identity used an incorrect address to open the account. I attempted to notify TCF of this fraudulent account multiple times via phone & e-mail, dating back to XX/XX/2020. The employees Ive spoken to on the phone have provided no resolution. I have provided several documents via certified mail to prove I am the victim of identity theft & that I had no awareness of an account being opened in my name, but TCF refuses to acknowledge my claim & the provided documentation. Documentation includes a police report filed XX/XX/2020 & a report filed with the Federal Trade Commission on XX/XX/2020. TCF is still actively looking to collect on this fraudulent account & has done nothing to hold the individual responsible for stealing my identity accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Card Acquisitions Group
State: CA

Complaint narrative:
XX/XX/2019 CCA Group called my sister and told her I had multiple bounced checks. That they will file charges very soon if they did not get in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 pulled my credit to myself for the first time and I have derogatory items that are nit mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX   XXXX {$18000.00} XXXX XXXX  XXXX {$25000.00} XXXX XXXX   XXXX {$3400.00}

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 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: SC

Complaint narrative:
Debt was paid in full but still reporting on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have retrieved copies of my most recent credit report, showing all 3 bureaus reporting. Have have made multiple attempts to have accounts on my report investigated, with no response to date. I have sent letters with specific disputes of those specific accounts dated XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 and XX/XX/2020 ; to all 3 bureaus. I have made them aware of my decision to file a complaint for non-response, and still have not heard, or seen, any difference in those accounts that were challenged. I now look to you to assist the bureaus in meeting deadlines in a timely fashion, so that I may have some resolution to my credit issues. Thanks.

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports

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 2020-08-07 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: GA

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$3900.00} DEPTEDXXXX   XXXX {$4800.00} DEPTEDXXXX  XXXX {$2000.00} DEPTEDXXXX  XXXX {$1600.00} DEPTEDXXXX XXXX {$4900.00} DEPTEDXXXX   XXXX {$3500.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$7300.00}

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 2020-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are two hard inquiries listed on my experian credit from a company name XXXX dated XX/XX/2020 and XX/XX/2020. Both inquiries were without my consent/permission. I had no idea. I called experian and they informed there is nothing they can do about it. So apprently any company with ones information can just decide they want to be nosey and pull ones credit without consent. I also called navient and apparently they do not have a department for this issue and was told to mail them. The address I was given was a false address 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 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I applied for a refinance with Wells FArgo XXXX XXXX. I provided all the required information and uploaded to the secure Wells site. An XXXX XXXX requested additional information on my partners start up business which I do not have and XXXX said I do not need, multiple times. XXXX staed that XXXX XXXX {$290.00} in income would not need to be disclosed due to my assets and XXXX plus revenues generated YTD in addition to the large escrow amount accumulated.Since XX/XX/XXXX I have left 9 emails and or messages with XXXX without one return call or email from her. I contacted her manager XXXX who said I need to speak with XXXX although she is XXXX XXXX  supervisor. XXXX claims that due to Covid the rules have changed and that I should not listen to XXXX. I am the CUSTOMER and was directed to supply information by a Wells employee that I should not listen too????? XXXX claims refinance is dead in water and he would escalate to Executive Office. I received a call yesterday from XXXX at EO and he said would look into everything and send me his contact information. Contact information never received! XXXX calls me at XXXX last night to tell me she was in XXXX XXXX with her daughter and that is why she never called back when she said she would. XXXX also said she was mistaken and did not know the rules changed, additionally stating just make up the numbers. Seriously!!!!!! I received a call today from XXXX at EO after I sent many messages to XXXX asking what is XXXX contact information. XXXX states XXXX no longer handing now an XXXX at EO is in charge.Wells continues to mislead customers in ways that are unacceptable and cost resistant. If customers are not to listen and trust Wells employees with sensitive information than they should not be speaking to customers. This entire process has been misleading and misrepresented the entire journey. The number of hours I spent trying to contact Wells employees has been detrimental to my health and XXXX revenue.

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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Tuesday XX/XX/XXXX Chase bank placed a restriction on my checking account. When I went to the find to find out why, I was told because I have {$1000.00} XXXX grant was deposited into my account. I was told to get a letter from a CPA or an Attorney, I do search for some CPA online and Its hard to get one to help me write a letter because I was told I couldnt pay them. I letter met with one CPA that help me to write this letter free without asking me to pay for  his service. I went to the bank to give them this letter, I also included my 1099 from both companies I delivered for, tax documents for year XXXX, a letter from XXXX stating Im an XXXX XXXX delivering for them and recent commissions pay slip I screenshot on my phone. I gave this documents to the bank but I was told they cant lift the restriction on my account because the CPA didnt add the I was still doing delivery works as at XX/XX/XXXX. I explained to them at the bank that aside from the letter I gave you list of different documentations that shows I was delivering as at XX/XX/XXXX and I believe they should be able to work with that but they insisted at the bank that I need to get another letter from the CPA. I went back to the CPA, the CPA secretary told me her Boss wont be able to add time but he can write a new letter, in the new letter he said I was delivering recently, I cant complain because I wasnt paying the CPA for his service. I went to the bank with this letter, the Bank rejected this letter. 

I will explained below why Chase bank put my account on restriction. 
I applied for XXXX loan as XXXX  XXXX with XXXX   and XXXX, The XXXX sent a grant of {$1000.00} into my account but the loan I applied for wasn't approved but Chase bank has to put a new restriction on my account because of this {$1000.00} the XXXX sent into my account. I have 1099 for both XXXX and XXXX. I started doing delivery for both companies since XXXX, I do this full time. All through XXXX I delivered for both companies. I also delivered for both companies year XXXX XXXX and XXXX because of the pandemic in XXXX I got another regular job and delivered for XXXX on a part-time based only. I have 1099 for both companies, and I also have compensation payment information for year XXXX, I also have tax return document which I filed this year that shows I have was delivering for both companies. 
I attached my 1099 from both companies I delivered for, recent compensation slips I screenshot from my phone, two letters from CPA and letter from XXXX. 
One of the document I attached has password- the password is- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi Mr. President/CEO! I need your help more than ever, especially during this covid-19 that we're facing now. I was really shocked and surprised when I was reviewing my credit report this week and noticed that you marked me late XXXX and XXXX this year for 30 days late. As I mentioned on the letter that I sent, and now attached, I was hospitalized with XXXX during those times and I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was late on payments in the winter due to Covid 19. Capital One never sent a bill or called me to try and work with me on my missed payments! I called them a couple of times and was on hold for at least a half hour.. I was really late catching up because I work in the XXXX field and was hit hard with my job. I got all caught up and asked them multiple times if they could take my 30 day installments off of my report now that I'm all caught up.This was all due to the pandemic!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I filled a complaint on the XXXX regarding US Bank not assisting me with my payments, and they slapped on a late fee as retaliation and have not responded.

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