vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-19 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Summary : American Express offer XXXX bonus points for new cardholders. Key events are as follow : 1 ) On XX/XX/XXXX, my application was approved, an Amex rep confirmed over the phone that the spending conditions were met, and wait for 4-8 weeks for the points to be deposited. Note that the phone call happened some times between XXXX, and there should be a recording for this conversation. 


2 ) On XX/XX/XXXX, I attempted to reach out via Amex 's Chat Support. Amex reps told me that the account was not eligible for the bonus as there was a warning notification about accounts not being eligible. Note that I had not seen any warning or popup with similar message. I inquired about evidence that it happens, and asked for explanation of conflicting message that the phone rep gave earlier as mentioned in ( 1 ). Amex rep opened internal investigation. 
3 ) On XX/XX/XXXX, I reached out again via chat. The rep said the investigation was closed, without providing any further information as requested in ( 2 ). The reason is essentially : " the machine decides it, we can not interfere ''. 

As the case concluded without evidence showing no wrongdoings either side, just a vague message about the root cause, I am now filing a formal complaint to CFPB hoping to get satisfactory results. 

Attached is the chat messages with Amex rep for more detailed context.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: MO

Complaint narrative:
I sent in a letter to Trans union disputing inaccuracies its been 30 days now and I haven't update as of yet.

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 2020-05-19 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: MO

Complaint narrative:
I sent in a letter to experian disputing items i felt where wrong on my credit report and haven't got an update as of yet.

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 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
My lender is united wholesale mortgage. I called because we were impacted by COVID 19 and they put us into forbearance for 1 month. I need to extend or pay XX/XX/XXXX. I have called for a week now. Every time it puts me through an automated system and when it moves to trying to get to a representative it rings for several minutes then says that due to high call volume they cant take my call and just auto hang up on me. I tried to write an email through my account but it takes me to another page and when I try my login and password it fails to work. So I have no way to email them. I need to know if I can get it extended or just make the payment but Im at a stand still because I cant get through to them at all. Im worried this will impact my credit and put me at risk of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I called Ally Bank to look into having fees waved for canceled checks, as they were lost in the mail by USPS. Because I misunderstood a question I was asked by the Customer Service Rep, and answered it incorrectly, my account was completely frozen and I have no access to my money at all. I was told I had to wait for a special rep to contact me and that it would take anywhere from 2 to 5 days. This is completely unacceptable, especially during a pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax has failed to notify me of my results from my dispute I sent in over 30 days ago. I need answers to my disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: PA

Complaint narrative:
Transunion said I cancelled a XXXX/XXXX  XXXX  card, I did not the company did because they issued 2 cards by mistake, so one was shut down, why am I penalized for that by XXXX points, when I have a credit Balance on that account for {$130.00}????? very unfair, will be filing a report with Washington consumer complaints if not fixed, check it out XXXX XXXX XXXX, XXXX, Pa. XXXX acct end in XXXX was a mistake by company, gave me two cards. 
Acct. ending in XXXX is the active account. 
XXXX XXXX  said they will not fix it. 
Please correct this Chat Conversation End

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 2020-05-19 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: CA

Complaint narrative:
XXXX XXXX reported our mortgage late back in XX/XX/2019 in error. They responded with a letter acknowledging the error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from all credit bureaus except TRANSUNION. 

We would like Transunion to remove this late remark from both our credit reports since it is affecting our credit.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
On XXXX at XXXX. I recieved a notice from American Express Bluebird prepaid card that I had received my direct deposit from my unemployment benefits. At XXXX XXXX I tried to check my balance on the app and recieved a message saying for security reasons my account had been locked please call the number. When I called the number it gave me an automated message saying my account has been permanently suspended and have been sent an email and then hung up on without any option to speak to a human. In the email it states my account was permanently suspended due to actions that violate the terms of agreement. All of my household funds are on this card and it is devastating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: LA

Complaint narrative:
This account was cancelled on XX/XX/2020. I have called several times for a refund and for my account to be cancelled. They are stating that it will take almost 30 days to cancel and refund my account which is unacceptable. I DO NOT HAVE ANY OF YOUR MERCHANDISE. CANCEL MY ACCOUNT AND REFUND ME MY MONEY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 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: CA

Complaint narrative:
XXXX XXXX  reported our HELOC late back in XX/XX/2020 due to software error. They responded with a letter acknowledging the app error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from XXXX, except Equifax and XXXX. 

We would like Equifax and XXXX  to remove this late remark from both our credit reports since it is affecting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
To whom it may concern ... 

We reside in the state of Washington, and our primary home mortgage has been with Flagstar Bank for several years. We recently applied for re-financing through XXXX XXXX XXXX. Our credit is stellar, and there should not be any problem in obtaining refinancing, and thus a lower interest rate. 
However we have learned that it appears that our home mortgage is in " forbearance ''. This has prevented XXXX XXXX XXXX  from processing our mortgage application. We did not ask that our loan be put in forbearance, and we were not notified of this in any way. Our mortgage statements indicate that our mortgage has accrued interest in a normal manner. We continue to make full and prompt payments, without fail. 
We contacted our mortgage company, Flagstar Bank. They stated that our loan is not in forbearance, despite appearance that it is. They stated that because the governor of the state of Washington declared a natural disaster in this state, that FEMA directed the verbiage on our home loan to give the appearance that it is in forbearance, even though it is not. They claim that they can not remove this verbiage, and XXXX XXXX XXXX  can not process the loan application as long as it is on there. 
Our home loan has not in any way been affected by the CoVid pandemic. As stated, this action was not requested, and we were not notified. It appears that this is violation of the Fair Credit Reporting Act, and we are being harmed by this action. 
Whether it is FEMA or Flagstar Bank, we are requesting that this verbiage be removed from our existing home loan, so that we can continue with our refinancing plans. 
We very much appreciate your help with this.

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 2020-05-19 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: CA

Complaint narrative:
I have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.

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 2020-05-19 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: CA

Complaint narrative:
XXXX XXXX  reported our HELOC late back in XX/XX/2020 due to software error. They responded with a letter acknowledging the app error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from XXXX, except XXXX  and Transunion. 

We would like XXXX  and Transunion to remove this late remark from both our credit reports since it is affecting our credit.

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 2020-05-19 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 have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.

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 2020-05-19 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: CA

Complaint narrative:
I have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
AMEX Serve card locked me out of my account. I was sent an email stating my account was being suspended minutes after a direct deposit had been made. I have spent hours on the phone and they refuse to even discuss it with me and their only response is to give me a PO Box to write to. I have no idea why they have done this. My rent money had just been deposited onto that card minutes before they did this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: PA

Complaint narrative:
In reviewing my husband and I 's credit report we noticed some incorrect late payments reporting for our XXXX XXXX XXXX XXXX  and XXXX XXXX Home Equity Line of Credit. We attempted to resolve the issues with XXXX XXXX by providing proof of on time payments but no timely response was received and when we inquired again they sent us explanations of the payments however the explanation proves the late payments are reporting incorrectly yet they refuse to correct their mistakes. We have attempted over the past 5 months to have XXXX XXXX or a credit reporting bureau fix the errors but it has not been corrected. These incorrect late payments are affecting our credit score and ability to apply for lending. We do have late payments but XXXX XXXX is incorrectly reporting them in later months than they occurred and therefore extending our credit unworthiness.

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 2020-05-19 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: PA

Complaint narrative:
In reviewing my husband and I 's credit report we noticed some incorrect late payments reporting for our XXXX XXXX XXXX XXXX  and XXXX XXXX Home Equity Line of Credit. We attempted to resolve the issues with XXXX XXXX by providing proof of on time payments but no timely response was received and when we inquired again they sent us explanations of the payments however the explanation proves the late payments are reporting incorrectly yet they refuse to correct their mistakes. We have attempted over the past 5 months to have XXXX XXXX or a credit reporting bureau fix the errors but it has not been corrected. These incorrect late payments are affecting our credit score and ability to apply for lending. We do have late payments but XXXX XXXX is incorrectly reporting them in later months than they occurred and therefore extending our credit unworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In reviewing my husband and I 's credit report we noticed some incorrect late payments reporting for our XXXX XXXX XXXX Mortgage and XXXX XXXX Home Equity Line of Credit. We attempted to resolve the issues with XXXX XXXX by providing proof of on time payments but no timely response was received and when we inquired again they sent us explanations of the payments however the explanation proves the late payments are reporting incorrectly yet they refuse to correct their mistakes. We have attempted over the past 5 months to have XXXX XXXX or a credit reporting bureau fix the errors but it has not been corrected. These incorrect late payments are affecting our credit score and ability to apply for lending. We do have late payments but XXXX XXXX is incorrectly reporting them in later months than they occurred and therefore extending our credit unworthiness.

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 2020-05-19 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In reviewing my husband and I 's credit report we noticed some incorrect late payments reporting for our Wells Fargo Home Mortgage and Wells Fargo Home Equity Line of Credit. We attempted to resolve the issues with Wells Fargo by providing proof of on time payments but no timely response was received and when we inquired again they sent us explanations of the payments however the explanation proves the late payments are reporting incorrectly yet they refuse to correct their mistakes. We have attempted over the past 5 months to have Wells Fargo or a credit reporting bureau fix the errors but it has not been corrected. These incorrect late payments are affecting our credit score and ability to apply for lending. We do have late payments but Wells Fargo is incorrectly reporting them in later months than they occurred and therefore extending our credit unworthiness.

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 2020-05-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a issue with Fifth Third Bank. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. Fifth Third need to fix this as I was a loyal customer for over a quarter century.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Viewed my credit report about 2 years ago and seen bull city financial which is a collection agency for XXXX XXXX XXXX in the amount of {$600.00}. This debt has never been validated after numerous attempts. I have never signed a contract nor have I had a verbal contract with them. I am not aware what address I was supposedly living at, not aware of an accurate amount, never received mail about the debt. Since moving from XXXX  to XXXX  in 2014 my electric bill has always been in my husbands name ... please verify and validate any contract and amount and address please. This debt is fraudulent

Company response to consumer: Closed with explanation