vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I set up an IRA with Wells Fargo account to receive my {$30000.00} 401-K from XXXX/XXXX XXXX. XXXX claims they mailed the check to the Wells Fargo CASH IRA account ending in XXXX on XX/XX/2020. It is now XX/XX/2020 and Wells Fargo claims they have not received the check at the address given to me by Wells Fargo, which is the address they use to receive IRA transfers : Wells Fargo Bank, XXXX XXXX XXXX XXXX ( XXXX XXXX ), XXXX, NC XXXX. IT looks like they lost another check of mine.

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/2020 I requested a forbearance to my mortgage due to Covid-19 issues, I was granted 90 days ( XXXX-XXXX ). I satisfied my forbearance payments along with current mortgage payments in XXXX and XXXX. On XX/XX/2020 I received notice that my forbearance period had ended, that I was current on all payments and had satisfied terms of forbearance. 

I'm in the middle of refinancing my property which Shellpoint Mortgage holds today. I requested the payoff amount and their showing a debit in the amount of {$6100.00} which should not be there as I'm current. I had a scheduled phone call with XXXX  XXXX on Monday XX/XX/XXXX at XXXX PST where he was to call me. I never heard from him so started to call him unsuccessfully. After many attempts, I did get his voice mail and left a message but have yet to hear back. 

I need this Pay-off corrected so that I can close on my new escrow and per the various people at Shellpoint, XXXX XXXX is the only person that can do this as he's assigned to my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Made a dispute with Transunion on XX/XX/XXXX which was received by certified mail # XXXX that was received on XX/XX/XXXX per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/XXXX that was received XX/XX/XXXX certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/XXXX TransUnion TransUnion Consumer Relations XXXX XXXX   XXXX XXXX, PA XXXX XXXX : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. 

I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : XXXX XXXX XXXX  # XXXX This account is not mines XXXX XXXX XXXX   # XXXX This account is not mines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX This account is not mines Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Signature and SSN redacted for privacy

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
Hi, I live in Washington, D.C. and own a rental property since 2003. Since that time, the mortgage has been sold numerous times. It is now owned by a company called : XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Phone number XXXX I have never missed a payment on this loan, I'm an excellent customer with a credit score ( mid 800s ), I  know this because we bought a car two weeks ago. Now, here is my complaint, each time a loan is sold it's incumbent upon me to set up a new UserName and Password and get used to dealing with a new company. They try to make it seamless, sometime it is, other times it is not. It appears, based on a recent series of letters that XXXX XXXX, now has a business partner called Loancare, a XXXX XXXX to help manage the loan. As of late, I have been getting threatening letters that I need to show " proof of insurance '' otherwise, they will buy me property insurance. Mind you I have owned this condo nearly twenty years and numerous times over the years have turned over a copy of the Condo Board 's Master Insurance policy. Per DC State Law, it's not required they I have another insurance policy for " inside the apt '',  but I do in fact, have additional insurance. After getting these harassing letters, I had to locate copies of both polices and send them to Loancare, so they don't buy me insurance. Mind you, I have no idea if Loancare is even a legitimate company, this is all very confusing to the consumer. But to avoid them buying me insurance I quickly located these policies and uploaded them to Loancare 's portal. Now, as soon as that process is complete, I have yet another letter from both XXXX and Loancare saying my payment is late. Mind you, I have had this loan since 2003 and it's on auto-pay, so I have no idea why this is occurring. If I try to call XXXX XXXX or Loancare the wait time is 30 minutes. This feel likes harassment and honestly I'm not even sure if Loancare is a legitimate company. Here is the Loancare info : Loancare, a XXXX XXXX XXXX XXXX, Virginia XXXX VA XXXX The customer service number is XXXX ; Collections number is XXXX Please look into these companies and into this business practice. I'm not sure if they are fraudsters, or just have terrible customer service. This just doesn't make sense, and I shouldn't have to spend time on something that should be so seamless, especially as a good customer. Thank you for attention to this matter.

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 2020-09-01 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: NY

Complaint narrative:
the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/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 2020-09-01 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: NY

Complaint narrative:
the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: IN

Complaint narrative:
I have called and sent multiple letters to Equifax proving that a name, social security number, and several accounts listed belong to someone who is NOT me. I have provided them with legal documentation, such as copies of my driver 's license, social security card, and proof of address, indicating that this person 's information needs to be immediately removed from my reports. I have tried to resolve this over a period of approximately 7 months, and as of today 's date, I have been unsuccessful. They have not even had the courtesy to respond to me. When I call, I get transferred and then the call drops. 

I was recently turned down for a mortgage loan even though XXXX   and XXXX are reporting correctly with my scores in the 800 's.  However, since this other person has late payments on an existing mortgage loan, I was denied and I feel that I am being held hostage by the misreporting. 

This ongoing situation and being disregarded and ignored by Equifax has cost me not only financially, but emotionally and physically as well. All that I am asking is that someone takes three seconds out of their day to see that the name and social security number listed on my Equifax report is NOT ME and remove them and all other derogatory items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't move forward with my life with these unverified accounts. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX {$280.00} XXXX XXXX   XXXX {$670.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I did my ny state unemployment with state benefits the state gave me back pay and in direct deposited to my account. They gave me a XXXX $ balance I go take off XXXX then another XXXX $ so I can have XXXX ) because if the XXXX $ cap limitation limit. My car payment was XXXX $ next I needed gas so I tried to get gas card declined.. then. Go home I try to pay rent XXXX $ denied. We have been waiting on unemployment money for weeks and PayPal close my account with my money in it. I need to pay my bills during the corona virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX {$280.00} XXXX XXXX   XXXX {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. XXXX XXXX {$280.00} XXXX XXXX   XXXX {$670.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: WA

Complaint narrative:
We booked a trip to XXXX with flight and hotel includes. Flights were from the XXXX to the XXXX of XXXX, XXXX XXXX Confirmation # : XXXX. On the XXXX I tried calling to confirm our flights with XXXX and the line was disconnected. I tried emailing them and nothing, after that I called the hotel the flights and it turns out that XXXX has cancelled all the reservations without any notice. Now I don't know how to contact XXXX to get my refund. I looked online regarding this matter and everyone who booked with XXXX is going through the same problem, so I decided to open a claim with my Bank of America because XXXX won't be giving me my money back. Total amount of the trup was {$2800.00}. It was split into mulitple mayments. My bank refunded me {$1700.00} and said the rest i can't do anything about it that i will have to go through a third party. Looking for help to get my payment back to me. Thank you! 
Payments listed below. 

XXXX {$190.00} XX/XX/2020 {$440.00} XX/XX/2020 {$440.00} XX/XX/2020 {$440.00} XXXX {$440.00} XXXX {$440.00} XXXX {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received an email from the bank saying that I received the amount of {$1000.00} in my account from the Application XXXX. I was happy because my son told me that he was sending the money that I asked to borrow me. I checked my account in Bank of America and never received that amount. My son account was charged for the amount but I never received it. He use my email address to send the money. We called the bank Bank of America one lady its name is XXXX from California. Also we went to our brand location but they said they were not able to get it the app transactions. They gave us a number to call. I don't received any response on the customer service number.

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 2020-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CA

Complaint narrative:
Hello, I have two cars via Audi Financial Services. all was great untll COVID but currently they just stopped servicing customers and they do not pick the phone. 

All started when my car was robbed and the check book was stolen from my glove apartment. as per the US law I needed to close out my checking account and open a new one. Then I tried to change my autopayment settings in Audi FS application and it never worked correctly.

I changed it two times already - they nevertheless try to charge my old ( closed out ) account, bank returns them request back, they charge me " returned fee '' and I submit on line one time payment manually. 

guess what - they use old bank credentials anyway.. they just do not allow you to change the checking account. 

I tried to call them 4 times without exaggeration - they do not pick the phone. they say " we have unprecedented amount of calls ''. I sent them several messages via message center - they never responded to anything. 

last but not least - there is " payment history '' button on the website and it shows incorrect list. it shoes the requests, not the payments. in my case it shows 2 returned payments as " paid ''. it is a deception.

They keep me in the dark. AUDI FS is the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I keep being sent notices over a debt that is not mine. I was a co-signer for an auto loan of over 13 years ago. These people keep calling me and sending notices that they are going to take action against me. Mr. XXXX from Settlement Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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