vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2020 I sent written communication to DISCOVER dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. On XX/XX/20202020 I sent written communication to DISCOVER dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account number XXXXXXXX. These requests were made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received written communication from DISCOVER. They did NOT meet the requirements of FCRA 623/FACTA 312. Instead, they sent me statements dated XX/XX/2020 ( from my dispute with XXXX about verification of account per FCRA ) and XX/XX/2020. These statements were preceded by letters dated XX/XX/2020 and XX/XX/2020 ( I am attaching them to this complaint ). I made a request for them to substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing DISCOVER communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires DISCOVER to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. DISCOVER provided none of the above. DISCOVER continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. DISCOVER has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, I received written communication from DISCOVER that they will not change the UNVERIFIED, INACCURATE, and IMCOMPLETE information they are reporting to the national credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). They are continuing to violate FCRA and conduct illegal practices. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have been battling Fay Servicing for quite sometime. I have sent it payments for 12 months and I have proof and I am not late. 

Initially, this loan was with XXXX XXXX XXXX and they transferred/sold whatever the loan to Fay Servicing. 

XXXX XXXX XXXX increased my mortgage payment from around {$4600.00} to $ XXXX/month which was astronomical. I requested several times for an escrow analysis and they never responded. As a XXXX  XXXX   XXXX, I calculated the monthly escrow payment ( taxes and insurance ) and it was completely off. The $ XXXX/month was correct. 

Then one day I found out my loan was transferred to Fay Servicing and every single person I speak to over there just doesn't understand this case. 

Anyways, the entire length of my mortgage I have been paying $ XXXX/month with a $ XXXX/month excess towards principal or in suspense for increased taxes. I refused to pay the extra $ XXXX/month and instead continued to pay the {$5000.00} because I knew that the escrow analysis was wrong. When Fay Serving did the escrow analysis ; they found that I was right and that I should not be payment $ XXXX/month, but rather even less at around $ XXXX/ month now. I have proof that I have made all my mortgage payments see attached and let me know if I need to get something notarized or whatever from the bank. I have not completed my XXXX mortgage payment because I wasn't sure if I needed to hold back that money to hire an attorney in which case I will be filing a counter claim for fraud and deceptive practices for starters. I think that a forensic accountant or someone needs to explain to us what is actually going on because this is not right ; we have made the payments and have been treated like scumbags that don't pay their mortgage, which clearly is not the case. 

Furthermore, I have correspondence between myself and XXXX ; however, he never responds to my emails. I hope that I have explained this adequately. If not, please write me back ; I'd like to keep everything in writing from this point on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my credit card account without any warning. I called them and asked to re-open. They stated that it would require a hard credit pull just for them to evaluate if they will re-open my account. I asked them for an alternative way which would not burden my credit history with a hard credit pull, and they claimed they do not have any alternative processes. They asked me to either agree to the hard credit pull or apply for another card ( requiring a hard credit pull ).

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 2020-03-30 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts as soon as possible. 

DPT ED/XXXX XXXX {$160.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX  XXXX XXXX {$4600.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$82.00} XXXX  XXXX  XXXX  XXXX {$100.00} XXXX XXXX   XXXX {$270.00}

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 2020-03-30 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts as soon as possible. 

DPT ED/XXXX  XXXX {$160.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$4600.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$82.00} XXXX  XXXX  XXXX  XXXX {$100.00} XXXX XXXX   XXXX {$270.00}

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 2020-03-30 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
On XX/XX/20 I opened a checking and savings account online with Bank of America where I deposited {$100.00} into each account for a total of {$200.00}. I received an email stating that my accounts were approved and the money was debited from my account. I went to their website and tried logging in and it said I had to call a phone number to speak to a representative. I call them immediately ( XX/XX/20 ) and the gentleman said that the accounts were closed because upon further review they could not verify my identity and that I would be sent a cashier 's check via regular mail within 7 to 10 business days. I was extremely upset because I dont understand why if the money was taken from my account in seconds that it couldn't be credited back in the same timely manner? I receive my direct deposit from my employer on a BANK OF AMERICA issued card so how is it that they can not verify my identity?! Ok, so here it is XX/XX/20 and still no cashier 's check. I call one of the 1 800 numbers listed online and there's a 57 minute wait for the call to be answered. So I go back online to try live chat, they can not access specific account information online and give me another 1 800 number to call where I am once again put on hold. I spoke to 3 different people and was told my check was sent to an address that does not even exist in the town I live in and that I would have to wait 91 days until the check expires to be reissued another check that will take another 7-10 business to receive. A check that I wont be able to cash because I do not have a bank account! Why and how is it that banks get away with this?! I am a single mother who works hard EVERY DAY to earn every bit of what's leftover after taxes are taken out to help people that DON'T work, so please explain to me why and how this is acceptable?! All they are doing is making interest off of MY money! Money that I can not pay my Bill 's with now because they won't credit it back into my account they took it out of! Why do we have all of this technology then? The last lady I spoke with, XXXX, said they could not stop payment on the check and reissue another one ... WHY NOT?! Please give me some answers as to why financial institutions are getting away with these types of issues on a daily basis? Its robbery.

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 2020-03-30 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: FL

Complaint narrative:
I have charged off in my account from Wells Fargo and I had settled this debt with them in exchange for the deletion of this 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 explanation
Consumer complaint received 2020-03-30 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
During the week of XX/XX/2020, I took my son to spring break and staying at several XXXX XXXX   chains. 

I cancelled several reservations due to the COVID-19 and XXXX 's decision to limit and discontinue regular services like room service and so on. 

On XX/XX/2020, after reviewing my credit card activity online. I saw that XXXX charged my visa card ending in XXXX for XXXX. I immediately called XXXX to get this charged removed. 

I was transferred at lest 4 times before hanging up. I then called my bank Navy FCU. I explained the situation and the man in the credit card department initiated an investigation. 

Because I had not heard from my bank about a resolution, I called the bank today and I received horrible service. I was transferred at least 4 times before I got fed up and hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
XXXX was recommended to us thru a good friend of ours to re-finance our loan. Everything went well the first time. We closed in XXXX. 
As soon as our closing was complete, XXXX started harassing us to re-finance again, promising us a lower rate and guaranteed us we would not have to bring any money to the closing table. 
Isnt that called predatory lending? 
We finally gave in. The whole process lasted about 7 months. The night before we were to close, ( XX/XX/XXXX ), XXXX tells us that we would need to bring between XXXX and XXXX to the closing table. We told him that was not what he had promised, and we did not have that type of money. We feel like he tried to bait and switch us after harassing us for months and guaranteeing that we would not have to bring any money to the closing table. 

We would like to file a formal complaint against XXXX for his relentless harassment and the way in which we feel he tried to bait and switch us at the last minute. We are hoping to bring light to this situation and hope we can stop him from treating anyone else like this. We feel so violated. We trusted XXXX to find out he was lying to us the whole time. After this experience with XXXX, I would never recommend him or his company he represents ( Caliber homes ) to anyone. If they let someone like that work for them, what does it say about the integrity and honesty about the company. 

XXXX XXXX XXXX works for Caliber homes in XXXX. His NMLS # is XXXX That office # is XXXXHis cell # is XXXX. 

The Caliber corporate # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items 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 2020-03-30 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items 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 2020-03-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I would like to formally file a complaint against Citi 's Costco Visa card and the Citi card protection benefits are provided by XXXX  XXXX XXXX XXXX. I am filling a complaint as I have requested payment using my extended warranty reward. 

XX/XX/XXXX- Filled original claim with credit card company for reimbursement. At this point the company requested several docs which were all provided.

XX/XX/XXXX- Citi denied the claim requesting receipts and credit card statements matching numbers. In early XX/XX/XXXX my credit card number was changed but still the same account which caused confusion. I clarified and resubmitted it along with product photos. 

XX/XX/XXXX- Citi requested " Please provide copies of the monthly phone bills showing monthly payments to the device using the Citi credit card. '' I then submitted a number of bills, including one showing that this was on autopsy and month 24 of 24 had been paid with the credit card.

XX/XX/XXXX- Now Citi is requesting all phone bills ...

As can be seen by this pattern, Citi and Citi card  protection benefits are provided by XXXX  XXXX XXXX are continuously giving me and many customer just like me the run around.

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I bought my house less than a year ago, since interest rates were low, I wanted to refinance even though it hasn't been a year. I called the same mortgage banker on my bank which is Bank of America, I explained every details to that person which he knew I received my loan from him also he works for the same bank he was able to see my loan amount etc which I already told him all those information.

I told him I am interested to reduce my mortgage to 20 years or 25 years, we agreed on everything and he asked to run my credit I gave permission him to run. After he ran my credit he told me that because of the loan amount is too much, I can not get 20 or 25 years. my credit score came expected ( more than 740 which they were looking for ).

He knew the loan amount, he knew that I am interested with 20 or 25 years, he should be check before ran my credit. He asked my permission yes, but he gave me wrong information to run my credit ...

I contacted with his manager to solve the issue couple of times and send couple of emails, last time he told me that, I gave permission to run my credit this is all that matters, they don't have a way to remove that hard inquiry.

Mortgage rates are still getting lower, I would like to refinance maybe with different lender, however now my credit score will low just because of that unnecessary inquiry ...

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please REMOVE any and all fraud alerts and statements associated with my credit file.

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 2020-03-30 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
American Honda Finance they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my husband. We are in the process of closing on a home and because of this our credit score is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020, I received a statement from the bank, dated XX/XX/XXXX-XX/XX/2020. This was surprising, because I have not used this card for a very long time, it has been in my possession but I have not made any charges at all, and the balance has been XXXX for all that time and I have not had any statements mailed out. The statement has two charges of {$3100.00} and {$120.00} which I did not make or recognize. In accordance with procedures, I immediately sent a letter in writing to the bank 's account servicing address stating this - on XX/XX/2020. A copy of the letter is enclosed. As of today, XX/XX/2020 I have no response from the bank.

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I was told my XXXX payment was returned so I immediately paid it up. I have never been late besides that payment otherwise just a few days past due dates on some payments, but still not late technically I was notified that once 3 payments were made on time that the credit would be reinstated. After I paid they then said it was closed and too bad so I made that payment for no reason I want them to return my payment and negotiate with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation