vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Contacted Wells Fargo : XXXX, 2020 to ask for Covid relief support for  payments of credit card that was told that we would have been postponed for 90 days. In XXXX we were notified that XXXX 's payment was late and showed a negative mark on our account. We disputed the late remark. Wells Fargo sent us a letter stating that it was an error on their end and in 30-60 days it will be removed from the credit bureaus. We closed on our  house in XXXX and had a higher interest due to this error and we also attempted to apply for a home mortgage HELOC and was denied due to what was on our report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I paid my loan final payment to Valley National Bank on XX/XX/2020. They accepted the payment a few days later. They closed my account but have not sent me a verification of paying my loan. They also have not provided me my title and told me they do not provide titles for vehicle. When I first began my contract with Valley National they did not give me a title. When I told them they stated they will send one and they never sent it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The credit bureaus showing incorrect payment history i had made all payments on time but on the report it shows XX/XX/2019 late payment i need to correct this information since its effecting my life i am in process to buy a house this late payment is holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date:XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter  very serious XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures  on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On Saturday XX/XX/2020, I was approved for an auto loan totaling {$78.00}, XXXX. I went to XXXX XXXX XXXX and purchased the vehicle with the check given to me by Navy Federal. On XX/XX/2020, the bank refused to validate the check with the dealership citing that it was too much after giving approval on XX/XX/2020. I have been a loyal customer of Navy Federal for almost a decade. I have been financed for several loans and paid timely. I have not had an experience like this before where I was allowed to purchase a vehicle and then told the loan is not approved. This is terrible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Requested in XX/XX/2020 and approved for a Consolidated Loan in the amount of {$28000.00}. Interest Rate 14.54 % of amount borrowed = {$4000.00}. However, NFCU 's interest rate calculation of 14.54 % = {$9500.00}. How? Upon complaining, NFCU forwarded an " the initial abusive interest rate Ammortization Statement '' ... is attached along with prior documents requesting a " TRUE calculation of interest rate  CORRECTION of Consolidated Loan to NFCU, XXXX, VA. The XXXX   assistance is requested in this NFCU Dispute. I've paid {$1600.00} toward this loan and over HALF of this PAID monetary dollar amount {$900.00} has GONE to INTEREST. AGAIN, how on an 14.54 % interest rate loan? Please Help. Looking at the numbers .... there is a sense THAT the calculations are incorrect. Best Regards. XXXX XXXX XXXX, XXXX. 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 2020-10-21 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: FL

Complaint narrative:
Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of 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 2020-10-21 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: FL

Complaint narrative:
Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
RE : PNC BANK , NATIONAL ASSOCIATION, ( " PNC '' ), Mortgage Foreclosure Enclosed herewith are key stated and affirmed ultimate facts from my Appellant 's Brief for the foreclosure proceedings by PNC for which i make this complaint, ( " Complaint '' ), for your investigation of certain improprieties by PNC that have violated and impinged my private property rights as PNC is a holder-in-due-course of a mortgage on my private property located in XXXX XXXX, PA as Lot No. 19, ( " Lot No. 19 '' ), for which i have vigilantly and diligently sought with no success as follows : 1.  The assignment of mortgage documents from the original mortgagee XXXX XXXX to XXXX XXXXk to National City Mortgage to PNC ; and 2. Payment records for the Years XXXX through XXXX that were not provided in order for proving that two principal of {$25000.00} and {$20000.00} were tendered by me during such time frame as the Federal Government searched and seized my records for these payments and/or the records were destroyed when the SFR improved on Lot No. 19 was a total casualty loss by fire in XXXX. 
PNC must provide me the satisfaction piece as the mortgage debt is paid-in full. 
Your assistance in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: FL

Complaint narrative:
I requested an investigation into 2 student loans that were reporting on my credit file. The file is actually past the statute of limitations and yet they did not even supply a full payment history on their response. They start the payment history in XX/XX/XXXX and not anything prior to that. That shows they did not truly investigate because both accounts have been opened since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I went on a vacation with my wife to XXXX XXXX XXXX XXXX on XX/XX/2019 and sat through a time share presentation. The presenter asked if we would like to accept the package, we agreed saying yes. He asked if we would like to open a credit card for the purchase, and we said yes, AS LONG AS IT IS NOT A HARD INQUIRY ON MY CREDIT REPORT, He assured me it was a SOFT INQUIRY and it would not affect my credit report in anyway. Little did i know THE COMPANY LIED TO ME AND IT WAS A HARD INQUIRY AND IT DID EFFECT MY CREDIT REPORT in a huge way. The company is called BARCLAYS BANK DELAWARE, XXXX. XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX. All i am asking to resolve this issue is to take the hard inquiry off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus showing incorrect payment history i had made all payments on time but on the report it shows XX/XX/2019 late payment i need to correct this information since its effecting my life i am in process to buy a house this late payment is holding me back.

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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus showing incorrect payment history i had made all payments on time but on the report it shows XX/XX/2019 late payment i need to correct this information since its effecting my life i am in process to buy a house this late payment is holding me back.

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 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The statements does not match of my payments. I am paying more what I own and I called Capital one at : XXXX but hey have no clue what government agency regulates them. The customer service can't provide an accurate statements and they stoop sending me by regular mail teh statements. My account is : XXXX. 

My email address is : XXXX phone : XXXX Please email me and I summit my statements. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
We recently refinanced our home and paid off our HELOC with US bank. Several weeks later we found out that they had made a deposit into that account ( in error ) without our knowledge. Since we used this account only for home improvement draws we would have had no idea that this had happened. That account was paid and closed at end of Refi, they have reopened the account and made it negative XXXX $ to recoup their error money and are now charging us overdraft fees for being in the negative. I couldn't get much of an answer form the local branch other than they expected the balance to be paid in full in 60 days - we don't have this kind of money. When they reached out to tell us about this several weeks ago we had no idea what was going on so they said they would send us all of the documentation to back up their claim - they never did and reopened our account to negative in the meantime. This ( if it's accurate ) could have been easily handled when we did our refinance. This is their error not ours and now we will be facing collections if not paid in 60 days.

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 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I applied for a mortgage with Bank of America. I got a prequalification letter on XX/XX/XXXX. I decided to go with Bank of America because of a grant program they had. I was ultimately denied for the grant because I normally make $ XXXX a year and the grant income limit was $ XXXX a year. I met the $ XXXX income requirement due to COVID my employer reduced our pay by 20 % for 3 months. This was stated on the Verification of Employment they sent to my employer on XX/XX/XXXX. However the underwriter only looked at the current gross pay stated on the form by the employer and not the YTD income or notes. I was denied for the loan XX/XX/XXXX due to not having enough of a down payment due to COVID they require a 15 % down payment. On XX/XX/XXXX, Bank of America charged me for an appraisal fee which I was told would be refunded on XX/XX/XXXX when the loan was cancelled. I was told the appraisal didn't happen and they would refund my credit card. The original charge was for {$660.00}. Part of that was a fee for obtaining my credit statement. I think the fee was {$25.00}. I asked for the amount in an email to the lending officer XXXX XXXX on XX/XX/XXXX but have not heard back from her. I was refunded {$200.00} from Bank of America on XXXX. I disputed the charge with my credit card company XXXX on XX/XX/XXXX due to not being able to get a response from Bank of America on the remaining charge and the appraisal not being done. XXXX closed the dispute on XX/XX/XXXX due to insufficient evidence. I was never given a receipt for this appraisal fee or credit fee. I called XXXX and Bank of America today XX/XX/XXXX to continue to try to get this resolved. I left a voicemail for XXXX XXXX since no one else at Bank of America will talk to me when I can't get a hold of her. XXXX said they will have their dispute department call me. I wanted to submit the complaint because this whole thing has been troublesome. I'm not sure how long it usually takes for a loan to be processed/reviewed but I think there should be more work done up front to make the prequalification letter meaningful. Bank of America should have gotten the Verification of Employment from my employer before issuing me a prequalification letter. It took from finding the home on XXXX to XX/XX/XXXX to find out I wasn't actually approved for the mortgage.

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 2020-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit,. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: OH

Complaint narrative:
XXXX and XXXX  have removed this account due to inaccurate and incomplete information reported with the 3 agencies, which is a violation, but Experian still has refused to remove the account. Please remove remove/delete : XXXX 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 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to correct these erroneous accounts for a very long time. please help XXXX XXXX XXXX   XXXX DEPT OF ED/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 2020-10-21 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: TX

Complaint narrative:
I have been trying to correct these erroneous accounts for a very long time. please help XXXX XXXX XXXX   XXXX DEPT OF ED/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 2020-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I refinanced a mortgage. The new lender paid off the old mortgage on XX/XX/20. In XXXX, my TransUnion credit report showed the new mortgage with the new principal balance and the new monthly payment amount. But it also showed the old mortgage with the pre-payoff principal balance and the old monthly payment amount -- i.e. according to TransUnion, I have two mortgages and two monthly payments on the same property. I called both the old lender and TransUnion. The old lender confirmed the payoff, said the account was closed, and said this information had been reported to all credit bureaus ( both XXXX and XXXX show the old account closed with {$0.00} balance ). TransUnion said I needed to submit a dispute, which I did. On XX/XX/20, TransUnion reported that the result of the dispute was that the old lender had confirmed the information on my report, so it would not be changed. On XX/XX/20, I submitted a new dispute with TransUnion, which was scheduled for a result by XX/XX/20. On XX/XX/20, that dispute simply disappeared from the TransUnion website. On XX/XX/20, I submitted a third dispute with TransUnion. I suspect it too will disappear. In the meantime, the old lender continues to confirm that the account is closed with a {$0.00} balance. I uploaded documentation with my second and third TransUnion disputes. I am currently being denied credit because of the duplicate mortgages on my report.

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