vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 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: CT

Complaint narrative:
On XX/XX/2020 I received a bill from XXXX XXXX XXXX store credit card. Showing an opened credit card for credit limit of {$1500.00} and balance owed of {$1300.00}. I never opened this account nor did I purchase or receive any merchandise from XXXX stores. 
XX/XX/2020 Case # XXXX. I submitted a dispute through my Experien credit report. I do not know how anyone can open an account with my name. I tried to find a contact number to reach the bank but none was found. I do not even have the complete card number to even talk with the bank. Therefore they want me to provide my social security number and I refused to give it out since this account is fraudulent. 
On XX/XX/3020 Experien credit reported that my dispute was closed and complete. They stated that the information was accurate. 
Im unemployed and my husband is a retired XXXX  and receiveds XXXX   XXXX  XXXX income. We live on a fixed income. I do not know how this account was opened and I certainly never purchased {$1300.00} worth of merchandise. I can not afford to pay this bill since it is not mine. I do not know what else to do. I do not want my excellent credit rating to be effected by this fraudulent account.

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 2020-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Infiniti Financial Services is charging late fees during covid and although they were advised we sought help during this difficult time. Good paying customer but things are tough and they advertise live chat but it does not work. Telephone customer service also unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: World Acceptance Corporation
State: AL

Complaint narrative:
After paying off a loan I ask to make another small loan of XXXX just to show that I can consistently pay my bill I even asked to not do no inquiries on my credit the attendant said they would not but later I find they did now negatively affecting my credit score.

Pretty upset

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
It is falsely reported that Commenity BankXXXX is and has been trying to collect without any payment for years. This lender was included in my 2017 bankruptcy and therefore should not be listed as owing or overdue for any of the last 3 1/2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This is the THIRD complaint about this horrible company.

BOTTOM LINE : EACH MONTH Specialized Loan Servicing apples 100 % of my payment to an unspecified account. It is NOT applied to my principal/interest and to escrow as it should be. This problem has existed since XX/XX/2019 - the day they purchased my loan from XXXX XXXX. 

Every month bill collectors call saying I am in default, the SLS website says a payment has been made yet the headline is I am past due on my payment. I am not. I have paid MORE than is stated that is due ... which is another problem. I have THREE different payment amounts - and do not know the correct amount to pay, so I pay the highest one. 

This is a fraudulent company and needs to be closed down. They are trying to steal my home.

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 2020-09-24 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: SC

Complaint narrative:
Had a past-due balance in XXXX, paid the past-due balance. I am in the process of obtaining a mortgage, need the information updated. Lender will not update, they said to dispute and the account would be updated. I disputed with Experian, Lender sent updated information. Experian did not update XXXX account. I confirmed with XXXX updated account information was sent. Several disputes have been filed over the last 3 weeks and even a rapid rescore with a current loan statement and backup payment history provided by XXXX. Experian refuses to up account. My mortgage will be denied due Experian not updating the file. It's has been a long battle working with several different experian reps one was down right rude and insulting and refused to let speak with her supervisor and another who to call XXXX while I was on hold, left e on hold for 25 minutes and hung up. I have attached backup documents that I submitted and Experian will not update.

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
Ordered my card over a month ago and still havent received it in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I took a conventional 30 year loan from XXXX XXXX in XX/XX/2020. This loan included an escrow for property taxes, home insurance and HOA fees. There was no lock in period for the escrow. 

In the next few months, the mortgage was transferred to Wells Fargo. It was conveyed to me that all terms of original loan were to remain the same, as is the norm. 

Two weeks ago I contacted Wells Fargo to close my escrow as I want to take care of these payments myself. 

Initially, I was told the process would happen and I would receive a check from Wells Fargo for the escrow amount collected. 

Instead, I have now received a letter from Wells Fargo that my escrow can not be closed for a a period of 24 months. 

I have contacted Wells Fargo numerous times. Till now, they have been unable to provide me with a single document that shows my acceptance of a 24 month lock in for escrow, or for any time whatsoever. 

This case is now escalated to their Executive Complaints team. The Case number is XXXX. 

At this point, Wells Fargo is " researching '' the issue. 

I am attaching a copy of my original closing documents with XXXX XXXX as well as the letter received from Wells Fargo. 

My resolution is simple : Close the escrow and return the amount collected till date. There is no basis for adding a lock in period after the fact, as well as without my consent.

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 2020-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a Capital One Credit Card that was enrolled in a debt consolidation program with InCharge Debt Solutions in XXXX of XXXX. All payments have been made by XXXX since then. Capital One is reporting a late payment in XX/XX/XXXX when all payments have been made within the same 3-4 day window every month by XXXX. I filed a dispute with Capital One and provided proof of payment made by XXXX and the corresponding payment history from my Capital One account. They continue to state that the payment was late and will not correct. Prior to filing the dispute with Capital One directly, I also disputed the accuracy via each credit agency with no resolution. Capital One will not directly connect me with someone in the dispute department to discuss, insisting that I mail another dispute, wasting my time as they continue to run me in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I ordered a dresser from Ashley furniture with my Ashley furniture credit card. The delivery drivers ruined my walls going up the stairs and the corners of the dresser which will cost more than the dresser to fix. As of today, XX/XX/2020 it has been 94 days. I have called several times and they said that theyre still working on it. They have also reduced my credit limit for no reason. No one can help me when I call and its very frustrating.

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 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
I filed a dispute. Account was not deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed information that was reporting inaccurately on my credit report and none of the credit bureaus have responded as of yet and it has been two months as of today. I tried to dispute things online but XXXX  indicated something were disputed but I never received information on those items via mail or email. TransUnion indicated when I tried to dispute online that there was an account with them and that is not the case so I don't know if they blocked me from trying to dispute or what. 

I will be attaching the letters that were sent to the bureaus 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 2020-09-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: MS

Complaint narrative:
I have numerous fraudulent charges on my child support account. The fraudulent charges in the month of XXXX have taken all the money that was deposited. I have called Eppicard customer service 6 days in a row, all this past week, to speak to someone regarding these charges. No one ever answers the phone. Since I have reported my card stolen, it has been deactivated and now I can not even access the phone assistance to try and speak to a human. I am missing $ XXXX out of my son 's child support and no one will answer a phone to help me. This is the worst customer service, especially on a financial side, that I have ever had to deal with. It is unacceptable. If they don't have enough people to man the phone lines, they should provide an email address or form to fill out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On early XX/XX/2020, I made a service agreement with a contractor for some upgrades to my property and charged {$17000.00} to my Bank of America credit card via an access check. On XX/XX/XXXX the contractor defaulted a refused to continue working on my property starting that he's unable to complete the task due to Covid-19 and refused to return my unused money. Immediately, I opened a claim with Bank of America for a resolution. Subsequently, Bank of America requested multiple documents for their review which were submitted within the time frame. After five months of weekly calling, Bank of America denied my claim stating that I placed the claim more than 60 days of the transaction. Due to this, I lost time seeking legal action because the financial institution I've been using for more than 20 years took more than 5 months to respond to a claim they could respond in two weeks. Is this fair? The Bank failed to represent me, failed in the attempt to get my money and frankly I think they didn't even bother to attempt an reach-out to the other party. Is it reasonable for one of America 's biggest bank to take advantage of lesser individual? Doesn't the Bank carry insurance? What about all the service fee they charge?

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This is in response to Goldman Sachs USA previous response on XX/XX/2020. 

Goldman Sachs has ignored the Identity Theft claim. They have NOT contacted the bank used to open the account and make the " ( 9 ) successful payments '' nor have they confirmed if the account was compromised and used for fraudulent activity such as opening credit accounts, and loans. According the bank records on XXXX  XXXX  of the consumer as of XX/XX/XXXX, there was only one bank account in the name of the consumer at the time of opening the Goldman Sachs account which according to Goldman Sachs was on XX/XX/XXXX. The name of the bank was " XXXX '' and the account did not carry balances high enough to open a personal loan which as of XX/XX/XXXX, states a balance of {$12000.00} with Goldman Sachs according to the XXXX   Consumer Credit Report. According to the XXXX XXXX Reports of the consumer, the total balance for the consumers bank account  " XXXX '' as of XX/XX/XXXX was {$57.00}. This amount is NOT sufficient enough to open a personal loan account with a balance of {$12000.00}. An inquiry was also made from Goldman Sachs Bank on XX/XX/XXXX requesting a copy of the consumers XXXX XXXX report. They have reviewed the consumers banking information on XXXX XXXX and have failed to mention this in their last response! A copy of the Identity Theft report and XXXX XXXX report have been attached to provide evidence that the account for Goldman Sachs bank was opened fraudulently without the consumers knowledge or permission.

According to the Identity Theft claim, the bank used for this account was found to be compromised and fraudulently used to open the Goldman Sachs account. I request that CFPB priorities and  investigations further investigate this claim and provide assistance in filing a law suit against Goldman Sachs Bank USA as they have failed to provide verified evidence that the account was opened by the consumer and not of fraudulent activity. Under The Fairs Credit Act, Goldman Sachs is violating the consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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:
was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations.

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 2020-09-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: OH

Complaint narrative:
was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations.

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 2020-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have savings account with American Express bank ( routing # XXXX ). On XX/XX/2020, they denied my withdraw due to the number of times exceeded their allowed limit. Then I spoke with a supervisor XXXX ( employee no XXXX ) asking for withdraw citing that XXXX XXXX XXXX on XX/XX/2020 has new regulations which removed number of withdraw times limit. XXXX left to talk with higher officer. Came back and told me that they have decided to do their own rules and not allow me to withdraw until the next cycle time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Our mortgage company ( PHH Mortgage ) failed to make a periodic property tax payment on our behalf. Our home is now subject to a tax lien sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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