vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DriveTime
State: AL

Complaint narrative:
XX/XX/XXXX we purchased a car we thought was only owned by 1 person! 

XX/XX/XXXX we notified the dealership of a dashboard issue. 

XX/XX/XXXX the car would not turnover and stalled. We went to the dealership and was told we had to call customer service for warranty details and they refused vehicle return. 

Issues with the car was ongoing. And the warranty promised did not cover electrical issues on the car and the issues were electrical. 

Ive advised them on several occasions I was unable to pay for the car because it was not properly functioning and asked them to pick the car up multiple times! 

I continued payments so my credit was not damaged due to reading recent reviews during that time. 

Car was still not working properly all of XXXX, we had no known location to return the car to as requested with agents and salesman. 

Ive disputed the inaccuracies to all credit bureaus and yet i am still seeing this account and the collections company dies not answer it return my calls! XXXX  have not properly addressed my concern and had kept this damaging falsified collection on my credit behind 2 disputes with documents from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: BANK OF THE WEST
State: NY

Complaint narrative:
I applied for a home equity loan and was denied. Reasons, serious delinquency, excessive amounts past due on accounts, time since delinquency is to recent or unknown. Further investigation revealed that XXXX had made errors and never closed an account that I was burglarized on. They ran up the fees and closed the account for non payment unbeknownst to me. They gave me a letter stating such mistakes. They will not give me a refinance loan due to there errors. Im stuck paying a high interest mortgage. They claim that I have to fix the errors with the credit bureaus. They caused financial stress and turmoils due to there inaccuracies and failures to remedy it. Furthermore, there banking app has flaws which I brought to there attention. It does not report all scheduled payments. I feel so helpless fighting a big bank. Ive spent 30-40 hours being redirected to a department who cant help me. Im at such a loss how an institution can get away with this. Ive been a customer for 23 years and have had my mortgage with them for 16. I apologize for not keeping a lot of money so I can receive better service, but I figure most cant. I have less then 10 % debt to income ratio, an excellent credit score until I paid off most of my credit cards and my score dropped. Im on a XXXX income from the XXXX. They also denied me stating I dont keep a high enough balance. They also state that I have excessive obligations in regards to my income. My financial obligations only account for 25 % of my income. They are also stating that my recent credit score which  dropped to XXXX was to low for them. This has to be illegal or some type of financial biast for many different reasons. I doubt a lawyer would represent me because XXXX will just prolong the case. It would not be financially feasible for an attorney to handle it. 
They are also technically financially responsible for any interest rates that I was given because of there inaccuracies. There has to be accountability. I pay my bills on time and work very hard being financially responsible in XXXX. They are burdening my financial load especially through these tough financial times due to the pandemic.

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 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I obtained a mortgage w Bank of America in XX/XX/XXXX, interest rate was 8.875 % when I bought my house. Due to the price of the house, this was deemed a second mortgage w/ 15 year terms. For the past 14 years I have tried to refi but could not due to housing crisis. In XX/XX/XXXXI was able to modify the mortgage. During this process, I repeatedly asked BoA what the new interest rate would be, and no one was able to provide this, claiming it would be done in " underwriting ''. The new modified mortgage packet arrived- with the same 8.875 % rate in XX/XX/XXXX! I put a cover letter on the closing documents, indicating this and that I only was ONLY signing the first page AND, ( DID NOT SIGN ANY OF THE CLOSING DOCUMENTS ). They pushed it through without signatures, and DID NOT LOWER THE PAYMENT in the modification. I have wrote letters to BoA CEO, XXXX XXXX reporting this and requesting a ( retro active ) adjustment from the start of the modification. Mr. XXXX XXXX is assigned ; he took a copy of page 1 w/ my signature, and wrote I needed to refi the loan, ( costing me even more money ) and ignoring that Bank of America is not in regulatory compliance without my signatures. ( *The mortgage of {$1000.00} is {$760.00} in interest and {$240.00} in principal- this has been going on for 14 years. ) The payment and the interest rate was not lowered in the modification.

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 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
Hello, I was using a cash app to purchase stocks and boosted my account up to {$500.00}. I sold some stocks that I no longer wanted and suddenly my account was closed. My money is still on their app and they closed my account with no warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: IL

Complaint narrative:
The credit bureau 's are reporting incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. 

This was included in my bankruptcy!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/2020, I reached out to Wells Fargo to stop pause my credit card and personal installment loan accounts. On the phone I was told my payments would be paused and my interest would be paused. My credit card did not charge me interest, however to my dismay, my personal loan continued to charge interest even though Wells Fargo had paused payments. Wells Fargo is making extra profit by taking advantage of its most vulnerable costumers who have been devastated by COVID-19. My complaint reached the top level executives and the verdict came back that they would continue to charge interest on an account they claimed to lend financial assistance. These accounts should been completely paused. Instead they chose to make a profit.

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 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: DE

Complaint narrative:
This account it old and was sold to a collection agency who does not have an account with me. This account should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Macy 's credit card problem -- Macy 's incorrectly continues to bill us for a credit balance check we never deposited ; has failed to resolve this error ; and instead reported my account as delinquent to the credit report bureaus. We have called Macy 's credit card several times over the last six months, but have not obtained any resolution. 

Based several telephone conversations with Macy 's ( Citibank/XXXX  ) credit card representatives, the following facts are undisputed even based on the credit card company 's own account history and notes : 1. On XX/XX/2020 I decided to close my Macy 's credit card account. Because we had auto-pay set-up, we overpaid the credit card account by {$440.00}. 

2. Upon closing the account, Macy 's electronically refunded {$440.00} back to our checking account ( see attached transaction information from my checking account ). 

3. For some reason, on XX/XX/2020, Macy 's also sent a physical check ( No. XXXX ) for the same amount ( {$440.00} ) to us in the mail ( see attached ). We never deposited or cashed this check, and Macy 's has confirmed the same in several conversations through their customer service representatives. In fact, in response to our calls and according to their on records, Macy 's issued a stop order for this check on XX/XX/2020 ( again confirming that this check was never deposited or cashed ). 

4. Macy 's credit card has nevertheless continued to send monthly bills to us demanding payment of the {$440.00} plus interest charges and fees. See the last monthly bill we received, dated XX/XX/2020 showing a total balance of {$510.00}. 

5. More recently, we called Macy 's credit card on XX/XX/2020, XXXX, XXXX, 2020, and XX/XX/2020 in an attempt to resolve this dispute. They continue " review '' our account history but have failed to provide any update or resolution. 

6. Despite our many calls notifying Macy 's credit card of the apparent error and our attempts to resolve it, Macy 's credit card reported our account as " delinquent '' to all three credit reporting bureaus. My credit reports from all three bureaus shows that Macy 's account as the only one that has any negative activity/delinquency. As a result of this incorrect reporting by Macy 's credit card, my credit score has gone down almost 100 points -- from " excellent '' credit down to " good '' or " fair ''. Macy 's  error has directly and negatively impacted my ability to get approval for a new home mortgage loan. 

7. Please, please help me get Macy 's credit card to correct this error and make the appropriate corrections to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27 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: WA

Complaint narrative:
I have called to file the dispute on XX/XX/XXXX and tried to explain to them that I was a victim of inquiry issue. I was told that I was not a victim and that they can not due anything because they do not do anything about it. They told me to wait till they get off my credit. 
inquiry that I was referring to was : XX/XX/XXXX and XX/XX/XXXX - US SM BUS Admin XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2020-07-27 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: LA

Complaint narrative:
EXPERIAN FAIR TO FOLLOW GUIDELINE UNDER THE FCRA EXPERIAN REFUSE TO REMOVE ACCT OFF MY CREDIT REPORT BK # XXXX THEY KEEP SAID THEY validated XXXX XXXX IN request FROM, I have gave them for chances to get it right

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 2020-07-27 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: TX

Complaint narrative:
This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit. I have disputed this with XXXX  and they sent me an updated copy of my credit report and this is not appearing. Re-aging a debt is against the law and inserting inaccurate information is also illegal.

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 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
As a first time home-buyer, I purchased a house, about 15 years ago, that I was renting. As a young single mother, I was unaware of the home buying process and was a great target for a predatory loan. All of the purchasing processes were handled by the homeowner. She was a realtor and she assured me that the company she was using was one she had used in the past.

The original lender was XXXX XXXX XXXX and it was a variable mortgage, whereas the interest was not suppose to exceed 6 %. Since then the mortgage was sold to another company, Select Portfolio Servicing, and the interest rate has exceeded the 6 %. I have attempted to pay more towards my principal and specifically instructed the funds to go to my principal. When I received my statement, the funds were applied to some erroneous late fees that XXXX XXXX XXXX stated were owed before the mortgage was sold to SPS. In reviewing my 1098 from SPS, I was appalled to see that I have paid {$4400.00} to interest and {$810.00} to principal. In addition, I received a 1098 from XXXX XXXX XXXX stating I, also, paid interest to them in 2019 ( {$750.00} ).XXXXI believe this sort of loan and practice should be reviewed and reversed as it has robbed me, and others like me, the real opportunity of ever actually owning a home. I have struggled over these 15 years to pay my mortgage believing I was moving closer to actually owning it and passing it down to my children. This appears to be a false reality that has been nothing less than a major scam and profit for these mortgage companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In 2013 I had joined the XXXX and signed up with a different bank, at the time I had gone into the local wells fargo branch, emptied my account, and cleared all debt/anything owed to wells fargo. A couple of years later I was applying for a mortgage and was told that wells fargo was docking my credit score every month. I went into the local branch and they had told me that I had a charge for like XXXX , they couldn't even tell me what it was for, nor when it was made. As I verified with the bank teller at the time of closing my account, that all debts had been settled. I was never contacted a single time to collect a payment, no phone calls, no emails, no mail, nothing. I just paid a credit repair service for over a year at XXXX $ a month to fight this claim. Wells fargo has continued to deny removing this negative item off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX someone used my Wells Fargo debit card number and also somehow got a hold of my PIN number and spent {$220.00} at a XXXX   grocery store at XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. On XX/XX/XXXX when I saw that the transaction was pending on my account I immediately turned off my debit card and contacted the bank. After Wells Fargo investigated, they determined since the fraud had been committed with knowledge of my PIN number, they could not verify that it was in fact fraud and denied my claim therefore I am out the entire {$220.00}. At no point was my debit card not in my possession and I was over 50 miles away when this transaction occurred.

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 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Metropolitan Home Mortgage, Inc.
State: CA

Complaint narrative:
Metropolitan Home Mortgage offered me no cost loan to refinance my house, however after many reassurances of no cost loan, in the middle of the process they demanded several thousands of dollars to proceed with the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Transunion is listing the incorrect address for XXXX XXXX XXXX XXXX XXXX. The street address is listed as XXXX XXXX XXXX XXXX. The correct street address in XXXX XXXX is XXXX XXXX XXXX XXXX. Transunion is required to provide accurate information. This address error is a violation of FCRA. Additionally, Transunion lists the name as XXXX XXXX XXXX. The correct name should be XXXX XXXX XXXX. XXXX XXXX XXXX also has an address in XXXX  - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. What is the correct address for XXXX XXXX XXXX for communication regarding consumer credit reporting - XXXX  or 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 2020-07-27 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: IL

Complaint narrative:
The credit bureau 's are reporting incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: IL

Complaint narrative:
The credit bureau 's are reporting incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kashia Services
State: WY

Complaint narrative:
I have filed a complaint with the company already but I received a call from a lady this company in regards to this matter and she was very aggressive, demanding and treating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: IL

Complaint narrative:
The credit bureau 's are reporting incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation