vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX, Wells Fargo sent me a form to fill out for mediation on my claim. Wells Fargo denied my claim in XXXX of XXXX after a person I had never heard of hacked into my bank account and performed a XXXX transfer for almost {$500.00} and left me XXXX and broke. I spoke to a man from mediation and after I told him my experience he assured that he was going to be able to help me get my money back that was stolen out of my account. On XX/XX/2020, I received a letter from Wells Fargo stating that my claim could not be handled through the mediation department and if I wanted to refile a claim to contact their fraud department. I called the fraud department to request that my claim be reopened and the agent was so rude. She firmly told me that my claim was closed and could NOT be appealed because I admitted that I gave my online banking information to a person falsely representing herself as a loan agent. THIS IS A COMPLETE LIE AND MADE UP EXCUSE BY WELLS FARGO SO THEY COULD DENY MY CLAIM. I received 2 successful payday loans and the next day a person I had never heard of before in  my life did a XXXX transfer and stole almost XXXX out of my bank account. I never gave the loan companies my online passwords!!! The only information I provided was my checking account number and my routing number. I have contacted XXXX and their management has told me that WELLS FARGO IS OBLIGATED TO REIMBURSE ME AND DENYING MY CLAIM IS A VIOLATION. I dont understand why I was offered mediation by WELLS FARGO and then told my claim didnt qualify.

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Currently do not have an account with Capitol One they did a hard inquiry on my credit and I did not authorize them on this date XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 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: SC

Complaint narrative:
Experian is continue to state that its not me who is submitting the request and I need proof of identity each time I've attached my info each complaint they are refusing to remove knowingly fraudulent information and violation of 605b. Experian phone system dosent all me to call in it only allows for fraud or security freeze never can you speak with anyone with number listed. Ive also will contact my attorney general with this to ensure that this matter is handle promptly.

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 2020-10-14 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: CA

Complaint narrative:
My complaints were never even addressed. Experian said it appeared as if I wasn't making the appeal myself so they fully disregarded it. I was making the complaints and I had my ID notarized as proof of my identity. 

XXXX XXXX has sold this account that they are reporting late each month. I asked them about it and what could I do to get it off my account. They said they couldn't take the payment because it has been purged from XXXX and it is no longer with them. 

This is inaccurate information they're reporting, they are saying I'm late each month on whatever account this is, and they are refusing to take payment so that I can remove it. They said for me to contact an outside company to take care of it. 

XXXX XXXX XXXX the account and they were paid for it, received a tax write off for a loss, and now they are attempting to get paid again from me.

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 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC

Complaint narrative:
I have a loan with Toyota Motor XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and Toyota Motor XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 120 days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX I went into a chase branch to get money out the atm and was not able to. Its XXXX and chase tells me I have a legal hold but cant tell me anything else like who is the entity that has the hold. They tell me to call back. They dont know how long its going to take. All my account are on hold with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been sending letters way back on XX/XX/2020 I HAVE RECENT SENT letter out from my bank on XX/XX/2020. 

XXXX XXXX XXXX has been fixed the error. But Experian needs to fix. This was in an error not sure who they are talking too and not showing proof. 

My bank sent me this cause of the issue they know occurred. 

I sent demand letter on XX/XX/2020. I Never missed that one payment. Fix now

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 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ONLINE Information Services, Inc.
State: MO

Complaint narrative:
I called Online Information services XX/XX/2020. My intention was to advise I was in receipt of their mailing postmarked XX/XX/2020 in response to my certified dispute letter and to advise the response was incomplete! The agent took my call at approximately XXXX cst. The agent quoted the Mini Miranda followed by a request to record the call! I agreed to the recording of the call and advised the  agent I would be recording the call as well for my records! The agent immediately disapproved of me recording the call so I withdrew my initial consent to being recorded! I subsequently declined a inbound call back XXXX considering the potential of fraud from being a previous victim of Id theft ) and requested a direct line to a supervisor! The company/agent did not have protocol in place to respond to my request and continued recording the call! She placed me on hold for close to 5 minutes before returning to the call with a generic Hello? ... Hello? then proceeded to deliberately disregard my verbal responses to her Hello terminating the call prematurely with no explanation or salutation! I initiated a 2nd call to alert a supervisor on duty that a rep violated the FDCPA and was advised by an operator This is Collections and NOT Customer service ... the operator placed me on hold for 10 minutes then transferred me to a managers voicemail where I left a message that has yet to be returned. This company has provided no validation or verification of debt and refuses to comply with my request via telephone or mail! The company is reporting 2 trade lines and was sent 2 dispute letters but  combined the response on a vague printout. Attached is a printout of the paperwork sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: GA

Complaint narrative:
Wells Fargo Dealer Services has been incorrectly reporting my account to credit reporting agencies for 3 years despite several attempts & disputes to have the information corrected. My car loan/installment account was paid in full & closed in XXXX XXXX the vehicle was totaled in an accident, car insurance & gap coverage paid  the debt completely XXXX. Wells Fargo continues to show the account as open & having an outstanding balance of {$16000.00} with both XXXX XXXX  XXXX. After filing my first dispute, in XX/XX/XXXX, Wells Fargo corrected the balance only on my XXXX report to show there was {$0.00} remaining on the loan but never corrected the account status to paid in full/closed. To date, they are still reporting to XXXX that the account is open & has a balance of {$16000.00}. I have sent at least 6 letters disputing the discrepancy & Wells Fargo refuses to correct the information. This is having a big impact on my credit/FICO score bc not only is it showing I have an outstanding debt, its affecting my debt-to-income ratio. I dont know what else to do to have this corrected, its been years & Ive tried everything.

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 2020-10-14 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: CL Holdings LLC
State: GA

Complaint narrative:
I have filed numerous dispute against the company tell him I dont owe them nothing I dont know who they are they got the wrong information on there in the wrong mail and they even shown thoughts information to the list XXXX XXXX this is been going on since XXXX and finally on thanking and I are sharing the investigators finally busted them in their lies and XXXX and XXXX but yeah its still on my XXXX  and my XXXX  credit report and XXXX credit report they cost me to lose a lot of loans cost me higher interest rates I lost a lot of money whenever I tried to borrow money XXXX pay higher interest rate because of them I believe they owe me a lot of money like I said this is been going on since XXXX and here it is XXXX and I wont conversationFor aggravation deformation of character and use mental anguish for a damage they have done to my reports my credit and was messed up cause of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
XXXX is reporting first date of delinquently incorrectly they keep changing the dates they would update account to correct date of first delinquency which is XX/XX/XXXX. They are now reporting the first date of delinquents is XX/XX/XXXX which is totally incorrect please correct and update my account information I have dudkyrdd this with all of the major credit beru s with no remedy Car loan account was opened XX/XX/XXXX I made my first late payment on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i tried calling chase no luck. no one responds. i just want to dispute XXXX on card ending XXXX  we got XXXX   XXXX and XXXX XXXX. i am sorry to have to bnother you this way. please dispute called XXXX XXXX several itmes no response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is reporting first date of delinquently incorrectly they keep changing the dates they would update account to correct date of first delinquency which is XX/XX/XXXX. They are now reporting the first date of delinquents is XX/XX/XXXX which is totally incorrect please correct and update my account information I have dudkyrdd this with all of the major credit beru s with no remedy Car loan account was opened XX/XX/XXXX I made my first late payment on 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 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
I have contacted Continental Finance/XXXXXXXX XXXX XXXX XXXX several time to try and settle my debt with them but they will not respond to any of the letters that I have sent to them.

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 2020-10-14 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: U.S. BANCORP
State: OH

Complaint narrative:
I had a fraudulent charge on my US Bank XXXX XXXX card ending in XXXX. 

Their customer service that handles disputes does not even look at each dispute before making a decision. They closed my dispute because they saw a refund that was NOT related to the fraudulent charge. Getting through to customer service is impossible. 

I have a clearly fraudulent charge that US Bank will not even look at anymore because of a refund that is not even related to the fraud charge!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax keep show a address where I never lived

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-10-14 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/20 I sent Synchrony bank my unemployment paperwork # XXXX from my employer via email at XXXX to cancel debit. XX/XX/20 this benefits request was closed because my employer said I was let go do to a medical reason. I was then advised to turn in XXXX forms to valid my employment discharge. I don't understand why if I experienced unemployment because of no fault of my own why I had to give this information? On XX/XX/20 I sent XXXX paperwork # XXXX XX/XX/20 it was closed because the doctors office put an invalidity date on the line that said date I was unable to perform normal activities. The date provided was XX/XX/20 and that was the date the I was referred to that doctor this was not the date I was unable to perform normal activities. I was given a medical XXXX  from my employer to see if I could do a position I was being transferred to and those results ended my employment with them that changed my ability to to perform normal activities mainly work! The doctors office sent supporting document for the XXXX on XX/XX/20 and XX/XX/20 when they resubmitted a correction.

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 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
My complaint with Santander Consumer USA is that they have incorrectly applied payments to my account. My payoff amount is at {$20000.00} with over 3 years of payment on a {$25000.00} loan. Upon review of my payment history, they have opted to apply the full amount of several monthly payments to the interst on yl and none to the principle. This has occured despite the fact that I have paid a few dollars over the actually amount that is due each month. I have tried talking to them about this but they only try to fast talk me and call out a bunch of dates and number in an effeort to confuse me and address the real problem. The representative even admitted that the way they had applied the payments is not something that is outlined in my contract. They have taken upon thenselves to frontload the interest payments as opposed to applying the payment to both the principle and interest appropriately and according the the percentage of the interest rate. This is unfair and a malicious practice. I beleive the payoff would be approximately {$10000.00} less had they applied the payments as they should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
the information on on my credit bankruptcy should not be on my public record i am victim of identity theft and mistaken identity ( date report XX/XX/2016 ) ref # XXXX this should not be on my credit report does not belong to me

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 2020-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In the process of a home sale - the buyer 's title search discovered separate entries for the original mortgage with Bank of America as well as a 2nd mortgage ( home equity ). All communication with Bank of America throughout the life of the mortgages ( they were bought from Countrywide ) were in reference to a single account owed which  included the original mortgage ( XXXX ) and the home equity ( XXXX ) consolidated into one.

Once discovered the multiple mortgages filed with the country we have tried to get this resolved with Bank of America who have expressed multiple times that there is a singular account to be owed and that there must have been a clerical error in which the consolidation wasn't provided to county and that XXXX  is owed on that 2nd mortgage. We ge
t a claim number and the case keeps getting closed with new payoff letters that just address the singular account.

The math is simple to prove that the account is the combination of both the original and the home equity. 

XXXX original mortgage XXXX 3 years of payments of approx XXXX/month XXXX - home equity XXXX ( XXXX to homeowner plus closing fees ) - new mortgage filed XXXX Clearly the amount owed prior to the home equity was approx XXXX and the new amount brought the mortgage owed to XXXX. 

The inaction of Bank of America to rectify this bookkeeping error has held up a home sale that is needed in these tough economic times. 

We have agreed to close on the mortgage that Bank of America acknowledges and hold the XXXX in escrow to protect the buyer while we settle this but that isXXXX profit that is needed and owed. 

We need help getting Bank of America to issue the proper XXXX balance on that 2nd mortgage and acknowledge the obvious that it was consolidated.

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