vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have owned my own home since XXXX. I have perfect credit ( XXXX ) and I have been declined a refi for my mortgage to obtain a lower interest rate now that rates have dropped due to the fact that my " monthly income '' from my XXXX XXXX is not enough. I have however been able to not only pay the mortgage for 22 years successfully but I also pay an additional {$190.00} per month towards principal since my last refi in XXXX of XXXX. Currently I have a 5.375 % interest rate on a 30 year conventional mortgage. I am a XXXX XXXX  mom. I own 85 % of the home and could pay this mortgage off in 10 years with a 2.5 % refi, right around the time when XXXX, my XXXX year old would enter college and I could use the additional cash flow. I have NEVER missed a mortgage payment or been late and there is NO reason why I should not qualify for a refi except that the banks claim that my low income prevents me, and of course they want to continue to rake me over the coals. If I can afford a HIGHER mortgage premium, why wouldn't I be able to make lower monthly payments? Is there anything you can do? I personally ( and my neighbors and friends ) bailed out the banks in the late XXXX 's to the tune of XXXX XXXX, they owe me. To make matters worse, their marketing department sends out " you are prequalified for a refi '' collateral, and when you respond, the representative states, " oh, that, the marketing department just sends those out, we have no control over those. '' WHAT?! Thanks so much! 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 2020-08-19 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: GA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$470.00} XXXX   XXXX {$770.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00}

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 2020-08-19 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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$470.00} XXXX   XXXX {$770.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00}

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 2020-08-19 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: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
The business of XXXX XXXX ( XXXX ) closed, I believe on XXXX, before processing all the returns in their warehouse. On approx XXXX I received clothing which I tried-on. I kept 3 & returned 9. The returned totaled approx. {$300.00}. I placed my order before the final sale however the paperwork in this box said " final sale '' on every item. on XXXX I called/spoke to XXXX supervisor before returning items due to this issue. I was told XXXX would accept all back, as I ordered before final sale. He gave me a mailing label by email & a Code XXXX to write on Return Form for 4 items going in a separate box. The 5 remaining going back in original box " would go & clear as was, -no need for special handling. No charges for any of these would be on card. '' I mailed on XXXX & tracked these two boxes arriving on XXXX. I called XXXX numerous times. three times I received back order items so old I had not remembered ordering. I could not send them back ... Phone always ringing- no answer. The message was something like " Covid-19 was causing delays a & they were unable to accept calls at this time ''. Then it started saying something like " taking no calls '' Then " soon to close ''. My bill on XXXX said {$500.00} Typically I pay full balances but this situation I paid {$200.00} on XXXX. My balance on card now shows {$390.00}. On approx XXXX I spoke with legal council. Was told write letter to credit card & do not pay anymore until things are worked out. Letter was sent approx XXXX copies sent to legal council, Comenity Bank XXXX XXXX , & their Customer Service XXXX XXXX , XXXX XXXX XXXX XXXX pending Attn to information, and now you as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion is showing an very low credit score and refuses to explain why my score for XXXX is showing XXXX XXXX  XXXX and their score is XXXX. I would appear they a have bad information on my report that should be removed, and refuse to explain to me why it's so low.

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 2020-08-19 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: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2020-08-19 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: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2020-08-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a file on my equifax I am trying to get resolved!!! I call them they are in XXXX and cant speak English!!  I filed a complaint with the XXXX XXXX XXXX and it was rejected!!! I want the old file removed its over 8 years its been on there XXXX!! I have never rented from XXXX XXXXXXXX XXXX!! Its fraudulent needs removed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Complaint I would like to report a crime ring involving XXXX XXXX and Transunion. XXXX XXXX, XXXX XXXX XXXX, TX has XXXX area properties. I have proof that this company allows residents to use fake and fraudulent information to rent apartments. In collusion with Transunion, individuals are able to rent apartments on someone elses name. Transunion allows credit checks and rental screenings from properties that have subscribed to their rental screening service to have access to credit files that are protected by the consumer requested security freeze. This false pretenses and ID theft has negatively affected my credit and should not be tolerated. Both XXXX XXXX and Transunion should be investigated for these crimes. Victims like me are unable to receive relief from local law enforcement, and these companies are taking advantage of it. Dates of these transactions are XX/XX/XXXX and XX/XX/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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
The company offered bonus points on gas, food and other purchases for the month of XXXX. I decided to take advantage of the offer for bonus points. I used my card and currently have a balance of {$1100.00}. The company closed my account with no prior notice and in return I lost all the extra points I had acquired. Upon contacting the company I was told that my account was closed due to high risk! Prior to the bonus offer I had not utilize the card since XXXX, nor have I missed a payment. This company is using deceptive practices to lure customers into using their product then penalizing them. Due to the company abruptly closing my account this will affect my credit rating and score in a negative manner.

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 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
For months I have been disputing multiple errors on my credit report and not only the creditors but also the credit bureaus have failed to delete, or even correct, the accounts in question.

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 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hi, I and my girlfriend did a refinancing with AllyBank a couple of months ago and got approved, signed all paperwork, and moved our mortgage from XXXX XXXX XXXXXXXX to AllyBank. 
Since that, all documents sent by them are only on my girlfriend 's name, and I can't even set up a payment on my name, even if my name appears on the mortgage. 
I've been trying to call them many times, with absolutely no answer, they supposed to call back many times and it never happened. Now we have a mortgage to pay at the end of this month, on my name, and I can't even set-up the first payment. 
At this point, I need external help ... 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$180.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX/XXXX XXXX {$85.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX   XXXX {$190.00} CONVERGENT OUTSCORING XXXX {$940.00}

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 2020-08-19 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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$180.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX/XXXX XXXX {$85.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$940.00}

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 2020-08-19 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
On XX/XX/2020 i logged into my experian account to notice they have changed how they give out a score. It is now a FICO 8 score and you must pay to see that score. or one is unavailable. This is a major problem as they are reporting to companies that there is no score yet there was. This is a pay for credit program and needs to be regulated especially in the times we are in. This is also in violation of regulation for being able to obtain your free credit credit score from this company when they release it to the lenders you apply with. Adding a pay wall to see a score that they are releasing to lenders is shameful and unethical, not to mention Illegal. 

In the documents you will see how they do not show you your score and direct you to that pay wall to see your score. Also a paywall to get the score added if you " dont qualify for a FICO 8 Score ''

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 2020-08-19 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 have the app credit karma to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}

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 2020-08-19 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 have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$420.00} XXXX XXXX {$640.00}

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 2020-08-19 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX/XXXX   XXXX {$0.00} XXXX XXXX {$28000.00} US DEP ED XXXX {$45000.00} US DEPT ED XXXX {$55000.00} XXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report.CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Purchased a few items on XXXX with Barclays credit card, returned said items within a span of a week to the local XXXX XXXX location, and handed off the returns. 

2 months and numerous phone calls later, XXXX XXXX customer service team tells me they can't find the order numbers and refused to give a refund without " proper documentation '' which I already gave them. 

Called Barclays to resolve this issue within my own bank. Submitted three separate claims for the said items from XXXX. 

A few weeks later Barclays resolved the issue as my fault and adjusted the balance. Now I have a balance of {$1300.00} and no product.

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 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I traveled to XXXX on XX/XX/XXXX, and at the airport I wanted to order a XXXX to drive me home. Imagine my surprise when I discovered my account has  been frozen with my funds with no explanation or notification from the bank. I was completely helpless and shocked with no means of transportation. I will spare the details but thank XXXX a very kind stranger helped me out. Days later, I receive a mail saying my account has been closed and my funds ( more than XXXX $ XXXX ) will be sent in a cashier check. It has been 2 weeks already, I havent been able to feed myself properly, I havent been able to work with no means of transportation and I havent been able to pay my rent. I called Bank of America and went to my main branch but they still asking me to wait. I dont know what to do anymore Im desperate. Please can your institution help with my case

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