vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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: CA

Complaint narrative:
I am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX XXXX Police Department. Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
This complaint concerns previous complaints number XXXX and XXXX. 

My attorney spoke to Wells Fargo today and they refused to comply with the requests that we have sent them and which are recorded in the previous complaints listed above. 

I have no choice now but to empty my business account which was previously used from automatic withdrawals for the mortgage. This business account contains PPP and SBA disaster loan funds. I have to move them to another account and risk an accusation of comingling because I fear that Wells Fargo will withdraw the entire forbearance amount all at once. My wife will also have to empty her checking account so that Wells Fargo doesn't make that account overdrawn. 

I am submitting this complaint to memorialize what I've done in case the SBA audits my business account. Wells Fargo should NOT be allowed to make up its own rules. The merely service the loan which is owned by 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 2020-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
Enhanced recovery Coll is trying to collect a debt i do not owe them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX XXXX Police Department. Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : 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 2020-12-04 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: MS

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
Usaa will not release my checking account money to me until they keep it for 60 days based on their policy. This will cause me to lose everything I have worked for my entire life. I will lose my house, my vehicles, everything. USAA Bank has said they are making an example of me and will not give me hard-earned paycheck money until the 60 days are up. The problem with USAA had nothing to do with my checking accounts it had to do with the credit cards I had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MS

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MS

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: WA

Complaint narrative:
on XX/XX/20 I sent Experian a 609 letter to verify some accounts and hard inquiries on my credit report. After 30 days and no reply I sent a demand or comply letter to remove the items on XX/XX/20 .Experian is still reporting these accounts on my credit report. even after 30 days and no verification or reply.

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 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I'm a college student at XXXX XXXX XXXX XXXX XXXX XXXX. I was 3 1/2/ hours away at school when this occurred XX/XX/20. Someone went to an ATM deposited a fictitious money order with 2 denominations {$5.00} & the other says {$500.00}. Supposedly, the subject got {$500.00} out of an ATM on XXXX XXXX in XXXX. There are usually cameras on the ATM machines, that would provide evidence that it was not me. The Chase Bank has debited my account refusing to reimburse my account and my direct deposit check was eaten up by this fraudulent issue. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: KS

Complaint narrative:
I needed the funds from my PNC accounts I had both a checking and a savings account. I called on XXXX and spoke with an agent that promised to close my accounts but told me there would be a single {$25.00} fee. The agent told me they could file a dispute on my behalf to get the fee waived. On XXXX I called again because only one account was closed. Again the agent told me I would be charged a {$25.00} fee to close the second account but that they would get a manager to waive the fee. I was assessed a second fee. I called on XXXX and spoke to a manager who told me the fee could not be waived. I was contacted by a department within PNC who reiterated they would not refund my fee. The last representative I spoke to, XXXX XXXX, confirmed that my accounts carried no minimum balance requirements. The two customer service agents each had the opportunity to help me get my money without charging me the fee, both agents implicitly promised me I would be able to get the fee waived, and no one at PNC has been helpful at recouping the money erroneously charged in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased earbuds from XXXX in a credit bases online from the XXXX website. Later in a month I was decided to pay off and got to the same website but couldn't find my account details. I tried to call them no way to get in touch at all. I sent out email and nobody was returning it at all. After a months later, they sent out a bill with penalty to pay and get a phone call to pay them amount with interested, I refused to pay penalties but willing to pay the full amount in my purchase. Then they screwed up my credit and get denied my refinance application because of it. At the end I found out that they have another website which is totally diff. from XXXX. which they claim are financing to XXXX ( XXXX ) where they were expect me to pay for. To make it worst I called the number in XXXX account statement bill and they told me that it's TB Bank which create frustration and how the customer service is handling all the billing paying access difficult. I have spoken XXXX and XXXX from the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I WANT TO PRESS CHARGES AGAINST XXXX THIEVES AT XXXX XXXX THAT STOLE MY HOUSE! Do I have to go to the police? The criminal financial protection bureau has closed a complaint that IS NOT RESOLVED. The cfpb has done nothing to stop the outright THEFT. Of my house, {$730000.00} payments and ANOTHER {$250000.00} from MY proceeds. {$730000.00} pays all of the XXXX interest reported, all of the XXXX balance of the first. XXXX of second mortgag XXXX for XXXX escrow. 

It wasnt enough to charge me an extra {$100000.00}. They TOOK {$250000.00}. More. 
Select portfolio servicing basically stole my house. 

When they modified the loan there was no settlement statement or truth in lending statement IT WAS NOT A NEW LOAN. and all of my payments count. I dont care what the servicers did. It only matters WHAT I DID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MS

Complaint narrative:
I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available

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 2020-12-04 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: MS

Complaint narrative:
I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MS

Complaint narrative:
I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available

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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
XX/XX/2020 payment was paid in installments. When a Sun West Mortgage representative called to collect {$1.00} deficit for XX/XX/2020 payment, for some reason transaction didn't clear. Sun West Mortgage used line of credit overpayment to cover {$1.00} deficit to XX/XX/2020 payment. Sun West Mortgage reported XX/XX/2020 payment to credit bureau as 30 days late. XX/XX/2020 wasn't in suspense for incomplete payment. Payment was taken at Sun West Mortgages discretion, so a 30 day late payment for {$1.00} should have never been reported to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: DISCOVER BANK
State: NY

Complaint narrative:
This dispute was incorrectly resolved twice after the merchant challenged the decision. I have just received the exact same packet rejecting my claim, including the exact same irrelevant documentation from the merchant, as I received in XXXX. Clearly no one read my XXXX letter, and the " review '' I have been waiting months for was a sham. 

The merchants additional documentation proves only that the table was ordered and receivednone of which is in dispute. Their documentation is therefor irrelevant tot he case. 

I ordered a table, received a heavily damaged table and returned it ( as the merchant does not dispute ), received a second heavily damaged table on XX/XX/XXXX, immediately contacted XXXX via the customer service chat, spoke with XXXX who apologized, told me to dispose of the table ( which had very sharp broken edges ), and told me I would receive not only a refund but also additional credit because I had ordered the table special for a family barbecue ( now missed ), and because I have been a very good XXXX customer since 2005. That same day, he sent me an email confirming the refund, which I have uploaded. As I also demonstrated on Discovers chat, the emails metadata links to my XXXX account. 

I did not return the table because XXXX Customer Service told me not to. The email from XXXX Customer Service, stating that I am receiving a refund, is attached and I believe represents a binding contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: AZ

Complaint narrative:
I have an inquiry on my report that I do not know where it come from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank double charged my checking account for my loan. It put my checking account in the negative, I called to get my money back they told me I had to wait for a check even though I am now broke right at the end of XXXX when bills come through. They told me the check would send on Wednesday XX/XX/XXXX and that it would be overnighted to arrive on Thursday XX/XX/XXXX. I have yet to receive a check and it is Friday XX/XX/XXXX. I got in contact with Huntington today XX/XX/XXXX about the check. I was told they have yet to even send the check and it wont be here until XX/XX/XXXX at the earliest. I currently have no money to pay bills which I expressed to Huntington due to their own mess up, yet they will still not provide any help getting the money back in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For full details, please refer to the XXXX XXXX, 2020 letter to TransUnion with supporting attached documents.

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 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX I payed through Cash App my son 's school tuition, books fee and 4 t-shirts to the school. but on XX/XX/XXXX they told me they didn't received anything and I showed them a print screen of the transactions. they told me the number was an office phone number and they can't receive the money so I cancelled all 3 transactions. I never got the money back because the bank said that Cash App never returned it and every time I tried to contact Cash App it gives me just the email option and they sent me the same email signed with another name where they say they did refund and to contact the bank. The tuition was {$400.00}, the books fee was {$170.00} and the shirts were {$56.00}. in total I lost {$630.00} which for me is a big deal because I have to a lot of sacrifices to afford this school for my son, he has XXXX and the school is for XXXX XXXX. I need someone to help me, please. My bank is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation