vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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: VA

Complaint narrative:
I asked for all the disputes to be removed from my credit report months ago and they haven't been removed. The disputes on my student loans ( XXXX ) need to be removed.

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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle Mortgage violated 12 CFR 1024.3 by failing to return my impound account funds within 20 days of the loan settlement as required by law. More than forty days after the funds should have been disbursed, they contend it will take an additional five days to cut the check. This is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX I was opened the new account named XXXX XXXX  until linked into the account they quickly closed my previous account for no reason. I was extremely innocent and have no idea whats going on, I didnt have done fraudulent. I decided to open new account from online, unable to the new account : Wells Fargo and XXXX. yesterday XX/XX/XXXX I went to enter the branch Wells Fargo, I decided to open the new account until banker told me " unfortunately, I am unable to open the account itself system inform him ''. I was leaving the branch and contact them through customer service. they felt like I am the bad business with them. I was very innocence and don't do anything wrong I feel like they accused me of something with account like they suspected about frauldent activity I am not doing that. they kept accused me of something. I have right against them, they must to paid me {$900.00} 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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Home was damaged due to water pipe breaking in ceiling of second floor. Because damage exceeded XXXX, insurance company sent check to my mortgage company. 
All repairs have been completed and inspection done and confirmed by bank. They have refused to release the balance of my funds of aprox XXXX. I have spoken to and or emailed with so many different agents, that I have lost count. They say they will release funds if I provide them with a particular item then, request something totally different the next email. Everything is done and paid for, I have submitted copies of all payment and contractors paperwork. They still will not release the balance to me. It is causing a hardship as I paid out of my own funds to complete the work. The last phone conversation was with XXXX. She assured me the remaining funds would be release if I showed proof of payment to XXXX XXXX XXXX. That was done. Now a different agent is requesting something completely different and unnecessary. They even had paperwork from another claimants claim in my file and were asking me to provide contractor information of this claim ( from another state ) Took me a week to clear that mess up with them. It has been over 4months of dealing with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Hi, I have tried to resolve this problem with Chex systems for a while now, and this company still refuses to remove this information from there reporting systems. I have consistently sent certified letters asking this company to send me information that validates that this is a debt that I owe. They have sent me bank account information, a bank printout, and no real validation that I owe this company any money and that thus is my debt. I have repeatedly asked these people to remove this information from my record, and that these charges were not made by me and this is not a debt that I owe. The company on numerous occasions failed to provide this information and continue to state that hey are waiting on XXXX  XXXX XXXX to send more validation, and etc. This again is not acceptable. I have been fighting to regain my identity that of which was stolen from me, and this company could care less, and there intent is to continue to provide false information in the chex system report under my name. The company that they are reporting as account abuse is with XXXX  XXXX XXXX in the amount of {$4600.00} they are reporting this information under my name and SSN and thus is inaccurate. I am a victim of identity theft and the report is attached. I want this company to delete this inaccurate information from my chex systems report immediately. My account number with the FTC- Federal Trade Commission is # XXXX and my Police Report Case number is 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 2020-10-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CLARITY SERVICES INC '' I do not recall authorizing or " someone is using my identity ''. I understand that " CLARITY SERVICES INC '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CLARITY SERVICES INC on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CLARITY SERVICES INC to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

CLARITY SERVICES INC - failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CLARITY SERVICES INC '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear XXXX XXXX or American Express Bluebird : AsAmericanExpress continually closed my requests by refusing to take further action to ascertain that my dispute is valid for my loss of a {$400.00} from a failed ATM machine, I again write to make a final request for further action and fair resolution. If my request is not reconsidered for a fair resolution, my last option regrettably will rely on legal assistance to help myself recover my loss or settle the dispute. Thank you for a reconsideration and look forward to your prompt reply and cooperation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CA

Complaint narrative:
I refinanced my mortgage loan from XXXX XXXX XXXX in Illinois to XXXX  XXXX XXXX of Colorado ( I was told it was same company just different location ) I started the process in XXXX of XXXX. I paid my last mortgage payment to XXXX XXXX  XXXX  IL on XX/XX/XXXX. My loan closed on XX/XX/XXXX. XXXX IL reported a 30 day late on my credit file for the month of XX/XX/XXXX. I used the VA streamline process, I was told by VA that I could not have been 30 days late, I would not have qualified for VA streamline. Since then I have attempted several times by phone XX/XX/XXXX, XX/XX/XXXX certified letter XX/XX/XXXX to resolve the issue with XXXX IL, Ive asked them to remove incorrect info, I asked for " good adjustment '' They have not responded, nor have they removed incorrect info. I do not know what else to do. I would greatly appreciate your assistance in this matter. I feel my credit worthiness is being negatively effected, the 30 day late does not reflect my creditworthiness at all. I have never had a 30 day late on my credit report before this incident or after.

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 2020-10-06 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: ATG Credit, LLC
State: AZ

Complaint narrative:
I have two children who have received student loans several years ago. I have no recollection of having co-signed any of these loans. XXXX XXXX  sent me a statement several years ago stating I owed on some student loan. I disputed that and requested proof of my obligation that showed my signature. They never did. Three times since then I have been contacted by collection agencies. In each case, I disputed the alleged debt and demanded proof that must contain my signature. None of the agencies responded. I never heard from the first two agencies or XXXX XXXX  again. 

The latest, ATG Credit, reported me as delinquent to the credit bureaus. They never responded to my dispute with the 30 days required by the FCRA. 

The agencies and dates I responded are : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
The company finally contacted me after numerous phone calls, request for contact on their site, email to the company, XXXX  complaint, and finally a complaint submitted to CFPB. I want a payment applied to a specific line on my account. I traded in a phone to XXXX which was financed using XXXX finance. They are refusing to apply a payment to the line of the phone I traded in because I have a line in which is deferred interest rather than waived interest, claiming it is in my best interest to apply the payment to the deferred interest line first. However, the deferred interest credit line does not come due until XX/XX/XXXX, of XXXX, and has a balance of only {$720.00}. If I wanted to I could make that payment today. In reality, I didn't need to finance that purchase in the first place but at 0 % for 2 years why wouldn't I so I can keep my own money in the bank accruing interest for me. 

Additionally, we traded in my girlfriends phone back in XXXX and a supervisor at that time applied an additional payment to the line it was financed on rather than the deferred interest line and stated as a supervisor she could but a regular customer service agent could not. I have statements showing the payment was applied to the waived interest line rather than the deferred interest line. The lady I talked to even saw them but claimed the last supervisor was not supposed to do it. My XX/XX/XXXX statement is attached showing two payments on page 3, one for {$130.00} and one for {$53.00} going to credit lines XXXX and XXXX respectively, which as shown on page 1 of the XX/XX/XXXX statement also attached were waived interest lines. 

The lady refused to connect me to a supervisor stating she was a supervisor and her supervisor does not take phone calls. I then told her to have him/her call me to which she replied they don't make phone calls. 

So, they are forcing me to continue paying for a phone I no longer own because they refuse to apply MY money to MY account in the manner in which I want. This is absolutely asinine. I will make $ XXXX this year and hardly need these XXXX to tell me what is in my best interest financially. 

I am seriously considering contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had 2 purchases from XXXX that were reported as fraud. XX/XX/XXXX for {$600.00} & XX/XX/XXXX for {$11.00}. I did not authorize either purchase and had possession of my card. When I discovered it I reported it as fraud and an investigation was opened. I was given a credit back for these charges while the investigation took place. On XX/XX/XXXX the {$600.00} was charged back to my credit card and on XX/XX/XXXX {$11.00} was charged back. This is of course a new card as my old card was shut off due to the reporting of this fraud. After talking with Capital One they state there is nothing they can do as they show the purchases were 'authorized '' even though I keep telling them they were not. I talked with " XXXX '' in the Fraud Dept who said she was the " highest up '' person I could speak with. When I asked for her information/ extension she dismissed my request. The call occurred XX/XX/XXXX @ approx XXXX PST to XXXX. My email and phone were hacked on XX/XX/XXXX and I have had my IT person trying to clean it up ever since. I have called XXXX and they told me that an account was opened using my information on XX/XX/XXXX so I cancelled it. On our around the middle of XXXX I received a microphone from USPS in my office. I assumed this was part of the fraud and reported it to the USPS in the form of a fraud complaint. I still have the package as USPS asked me to keep it in case they needed it for their investigation. After taking to the Rep at XXXX, XXXX, he is sending a label to mail t he piece back. This call was placed @ XXXX PST to XXXX. This item was the charge for {$11.00}. I will take a picture of the item before I send it back. The paperwork inside the package is attached. When I called the number is sounded like a scam recording so I did not dare log onto the web address. I kept this paperwork as instructed by USPS. Apparently the {$600.00} charge was for something you download for XXXX  which I have never had being a XXXX year old woman. Because Cap One is indifferent to my fraud claim I will now file a Police Report with the XXXX Police Department. I also reported this to the XXXX  when it occurred, see attachments. The information listed on the original charge was below, a disconnected number when you call it. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Merchant Website

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I was notified about the amount of {$110.00} owed to XXXX by Sequium Asset Solutions in XX/XX/XXXX. I paid XXXX directly the entire amount owed on XX/XX/XXXX. I have proof of the paid account/account closure, dated XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, Sequium Asset Solutions, made additional debt collection efforts for a paid account by reporting these fully paid debts to XXXX and XXXX. These attempts to collect a debt that was already paid are affecting my ability to obtain mortgage loan approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MS

Complaint narrative:
I told them they have the wrong number and the person they are looking for does not live here, has never lived here and I have never even heard of this person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX year old made an unauthorized purchase in XXXX store for {$100.00} on XX/XX/XXXX for coins. I contacted XXXX and they refused to refund stating not enough information ... .as I recall. I then contacted Bank of America and filed a claim. In the mean time I found another way to communicate with XXXX through chatting. They told me they couldn't refund me while I had a claim open w Bank of America, so I canceled the claim with the bank. I went back to XXXX and said I did what you asked and provided proof that my claim was canceled with the bank. They said its not canceled on our end with the bank so we won't be able to give you a refund. So, I went back to the bank again and reopened my claim. Now, yesterday the bank says the time has expired, they only have so many days from the day of purchase to complete the claim ... so they closed it, doing nothing for me. I contacted XXXX XXXX more time today and they say only the bank can give a refund. The bank never mentioned any time frames to complete the claim or expiration of the claim. Here I am with the bank and XXXX both telling me they can't do anything.

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 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: CA

Complaint narrative:
Key bank back office closed my 2 checking accounts on XX/XX/XXXX  which are active and have positive balanced, without informing me what so ever. They claimed to have mailed me checks to my balance along with the reason why they have closed my accounts. When I called customer service they kept pushing the responsibility to their back office which does not have phone number I can call. They refuse to reopen my accounts and told me to call a branch and open a new account and the supervisor on the phone says the branch will review to see if I would qualify for an account. I feel discriminated against and humiliated. The other manager said the bank will not  reopen my account because the back office had review my accounts and decided to not keep the relationship. I again am very upset that when I deposited {$100000.00} into the account they did not say such things. I have had my accounts for many years and I have set up many deposits going to these account and now they are causing me a lot of trouble to re route everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB Corporation
State: AL

Complaint narrative:
i am a XXXX  this school and i have tried them to set up payment arrangement 's to at least pay a little something to show them that i am trying to catch everything up to standard and i have tried to call them plenty times to let them know what i can pay and i have also informed this school that i am on a fixed income and that i have other financial obligations like purchasing food and other things as well. but when i have tried to talk with someone no one never answered my phone calls and i have even left messages for them to returned my calls but the phone phone calls was not returned. but every since this virus is out here in this world they want me to pay all this money and i would not be amazed at all if they are charging interest due to this virus. no not at all. and that is what all are the companies are doing. these day 's. using this virus as a excuse to over charge the consumers for services that the people and the consumers did not cause. i feel that as consumers should not have to pay for a virus that they did not cause and i feel that they should not be over charged for services and for people that are on a fixed fixed income and struggling to feed their families and loved ones. and there is no work going on right now due to this very deadly virus that is taking the lives of family member 's and loved ones. and keep in mind that this company and all other companies are not the only ones that has to eat and provide for their families and loved ones. and now these companies are using these scare tactic 's to get more money to support their families.

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 2020-10-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I was supposed to get a direct deposit of XXXX. I woke up to get money from the ATM with success. Afterwards I tried to pay my phone bill and it said my bank was declining my purchase. I called to find out why and it said my balance was XXXX. I was confused because I just received my Deposit that morning. I spoke with several key bank employees who told me that their was a XXXX XXXX transaction that I didnt make. They also informed me that whoever got my card information was trying to withdraw money since XX/XX/XXXX but with no success because I didnt have money. I contacted them about a provisional credit and they refuse. I literally dont have XXXX XXXX! I never gave me card info out! Idk how someone got my card information! I couldnt pay my phone bill that week or buy my kids food! I literally only get XXXX a week and someone Took it XXXX if it!

Company response to consumer: Closed with explanation