vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-23 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: Ditech Financial LLC
State: IL

Complaint narrative:
We had a unsecured loan for {$12000.00} with Greentree, account # XXXX which was sold or transferred to Ditech ( Companies merged ). Ditech and they said that we did not pay the last {$780.00} on the loan. We paid the full amount, but the payment was made to the original creditor Greentree before Ditech took over the loan. Ditech called and said we owed them! We did not pay them because we did not recognize nor were we notified that the loan was sold to another company. Greentree took payment and did not pass transaction onto Ditech. The blunder from Greentree and Ditech has had an adverse effect on our credit scores. The 30 day late payment as of XX/XX/XXXX has been updated to paid bringing the account to 100 % payment history BUT Ditech has failed to change the account from charge off account to paid account. The account was not a charge off account as we paid Greentree the remaining balanced owed. By Ditech reporting this account has a charge off account were are suffering due to the points our credit scores dropped and since the account was closed on XX/XX/XXXX. We need the account to be updated to a paid account so the points lost and be re-calculated by the credit bureaus. We are being denied a mortgage loan due to the inaccurate reporting of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a XXXX  building under the 504 SBA plan with Wells Fargo. On XX/XX/2020 I submitted a request for deferment due to financial impact of COVID19. To date, WF continues to tell me that my request is in queue and that they do not have a date as to when my request will be addressed. On XX/XX/2020, WF fraudulently debited a double mortgage payment from my account and has not refunded this money, creating further financial impact to me and my XXXX. I would greatly appreciate your assistance with these matters. Thank you

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 2020-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I Filed a dispute on or around XX/XX/XXXX through Experian Credit Bureau to verify debt with signature on original signed contract, proof of debt for collection companies : XXXX XXXX XXXX  and XXXX XXXX XXXX. 
As a result of the dispute both companies remained on my credit and Experian stated this : The company that reported the information has certified to Experian that the information is accurate ... ... .... 

I have not viewed any contract signed by me that verify this is my debt. Experian OR either collection agencies has not sent original contract, itemized receipt or any documentation other than a bill to me. I tried to dispute these two companies again on XX/XX/XXXX and Experian denied me from disputing, asking me to upload new or different information. How can I upload any new information when I am simply asking for the company to verify I owe the debt that is staining my credit report. Now this will just sit on my credit and I am constantly getting phone calls and hang ups from these collection agencies and I dont even believe I owe these people or question the amount they are asking for. Please HELP!

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 2020-05-23 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: NC

Complaint narrative:
Equifax has reported a collection account from XXXX XXXX   XXXX that has been previously removed. Further I took both equifax and XXXX  to court over this matter and it was settled that the information was not mine and that it was to be removed and not added again. As it was the last 2 years. Then Today it was posted again. The info in the collection does not match my name or social, further it violates the settlement of the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have had CapitalOne Quicksilver One card for a number of years. I have been grandfathered in from my first account, because CapitalOne does not have a Quicksilver card that is no annual fee, I would call in and the fee would get waived. The Capital One Member Fee of  {$19.00} was charged on XX/XX/2020. Due to the Pandemic I did not realize a fee was charged, I was more concerned with making sure all of my bills were paid on time. With the recent bill I received I noticed that there was a fee charged, I called in and explained the situation and was informed by one team member that I should have called within 30 days of the fee being assessed to get it removed, when I asked to speak with a supervisor, I was told by the supervisor that they are not waiving Annual fees this year due to the Pandemic. I understand it is only {$19.00}, however, with this Pandemic one would anticipate for a credit card to work with their card members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In 2016, my account was closed by Bank of America in which they claim fraud was done on my account. I would never, and have never competed fraud in my life. One of their atm 's were not working correctly one day as I was trying to make a cash deposit. It took the money then spat it out and delivered an error message receipt. I went to the next atm at the same location and did the transaction again. It went through the second time but on the app the cash deposit wasn't available immediately look it should be. I called to report this inconvenience and they were starting an investigation. A few days later the errors had been worked out and we assumed the issue had been resolved. A week later I received a check from Bank of America for the remainder of my balance and a notice that they had closed my account. All of this was crazy but fine until I tried to bank with others and was told I couldn't because I had been reported to XXXX XXXX, and XXXX XXXX. I need to be able to bank with others. I am a XXXX  year man with a family and its been very difficult using prepaid cards. Please help!

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 2020-05-23 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:
These items listed in attached I have been disputes due to them not being my debts. I'm looking to buy a new home and these items are holding be 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 2020-05-23 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: CA

Complaint narrative:
These items listed in attached I have been disputes due to them not being my debts. I'm looking to buy a new home and these items are holding be 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 2020-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed.  This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 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:
These items listed in attached I have been disputes due to them not being my debts. I'm looking to buy a new home and these items are holding be back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: PRESTIGE FINANCIAL SERVICES INC
State: PA

Complaint narrative:
Prestige Financial Svc. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Good Morning, I am currently a customer of Flag Star Bank. I was in the process of doing a closing with their partner mortgage company. Due to the pandemic I had call them to see what options were available for lowering for information purposes only. They share that I could do a Forbeance program or if I was looking to lower my interest rate I could refinance based on my payment history. At no point did I provide the authority for the company to file under the forbeance program. Lets fast forward to the day prior to closing my agent calls me and advised me that we can not close because there is a note on my account that advises I am on a forbeance program. I called Flag Star Bank and ask them for a letter that states that I did not apply for that because it was interfering with my closing that I had to reschedule until the issue was resolved. I spent on the phone hours asking to speak to a supervisor to get the issue resolved only to be told that they couldnt send a letter and I was gon na have to wait until the letter their legal department was drafting was ready. As it turns out the letter that I received states that I opted out of the program and that isnt sufficient and have to start the refinance program once again. I am truly disappointed at this company and beyond stressed due to the multiple individuals that I spoke with to try to get this issue resolved. I am currently in the process to refinance again due to their issue on their end. In addition, instead of trying to assist me with the issue some of the agents I spoke with had an attitude. To make matters worst they made it seem like I was the crazy one that applied for this and is asking for an impossible demand. 

I have attached a report from XXXX which confirms that it was an error on their end. Until today I am waiting for an apology. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All Im asking is for this note to be removed from my credit and any history as it was erroneous.

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 2020-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: RI

Complaint narrative:
Hope all is well. I was in the process of applying for a mortgage loan, I was told that I was preapproved but additional paperwork is necessary. I met with a Mr. XXXX XXXX from Primary Residential Mortgage , Inc. from XXXX Rhode Island. I handed over W2s, bank statements and paystubs of mine and my wifes. This pandemic come about shortly after and I heard nothing from Mr. XXXX. However, a couple months past and I assumed that I wasnt approved so I had asked for my paperwork back. I was told that it was mailed out a month ago. A couple weeks past still no paperwork. It has been two, three months and still no paperwork. So someone lost all that sensitive information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 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: Global Lending Services LLC
State: GA

Complaint narrative:
*According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 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: PA

Complaint narrative:
XXXX XXXX XXXX. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the balance.

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 2020-05-23 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: PA

Complaint narrative:
XXXX XXXX XXXX. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the balance.

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 2020-05-23 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: NC

Complaint narrative:
I have contacted Experian in regards to their inaccurate reporting of 2 dismissed bankruptcy filings that do not belong to me. I have contacted their 3rd party information provider XXXX to request my report to verify Experian reporting and they DO NOT MATCH. Experian claims to have reinvestigated the dispute however no changes have been made to match their 3rd party information provider.

I am now requesting copies of their reinvestigation, name of person ( s ) who conducted the investigation, and aterial fact to support their continued reporting of inaccurate information. 
I also requested an updated file from XXXX XXXX which is Experian 3rd party information provider and there is in fact NO BANKRUPTCY REPORTING.

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 2020-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
Hello! 

I'm sending this complaint to let you know that Citizens One, who finances XXXX XXXX loans, does not abide by the Federal Periodic Statement rule. They do not provide monthly statements with interest rates, fees, and pre-payment information. 


XX/XX/2020 After reviewing my emailed " Payment Reminder '' with only balance and payment amount, I created an online account to be able to see my interest rate, and be able to pre-pay my loan. As this information was not provided in my " Payment Reminder ''. I receive no other form of communication, including Statements, from Citizens One regarding my account. 

My online account does not display my interest rate, nor pre-payment information, nor any way for me to make additional payments. 

I navigate through the customer service number to check through the menu options to see if I can find my interest rate, or able to pre-pay, or if there is a penalty. I can pre-pay, however, the message ( recording ) says that I need to check my original loan documents to see if pre-paying is advantageous. This makes me apprehensive that there is a pre-payment penalty. 

I called to see how I can find this information. In summary, I would need to be transferred to a different department that would then be able to send me the truth in the lending document associated with my loan and the helpful customer service representative told me my interest rate, verbally. 

The only information that this company sends monthly is an emailed " Payment Reminder '' which does not include the interest rate, fees, or pre-payment information. 

As a side note, and possible separate issue from statements, are companies required to allow customers to make additional online payments? Because that is not an option ( only by phone ). 

While this company helps answer questions, they should be sending statements with the interest rate, fees, and prepayment penalties. 

Thank you! This is a HUGE loan provider considering 100 million people in the United States own XXXX. 

Keep up the good work and stay well!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Took out two loans with money lion. Neither were reported both have been paid in full. Further they are now holding the escrow amount after the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
*According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
ON XX/XX/XXXX I FOUND A BK REPORTING ON MY CREDIT REPORTS AND I REACHED OUT TO THEM ( EXPERIAN, XXXX, AND XXXX  XXXX WITH SUPPORTING DOCUMENTATION AND IT IS STILL BEING REPORTED!

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 2020-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
PayPal sent me a credit card in the mail that I never requested. I called the customer service number on the back of the card to cancel it. The automated voice said my telephone number caller ID was valid. I entered the last 4 digit on the card, but the automated voice said the last 4 numbers on the card they sent isn't actually a valid number. Good grief, it's right on the card they sent! So I hit 0 for an operator, but the recording said their customer service is closed due to covid-19, and the robot phone handler hung up on me. Given that they have employees working to send people unsolicited credit cards, why is there no customer service? And who would want a card anyway, from a company who doesn't have any customer service for it?

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 2020-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
On XX/XX/2020, opened a new checking account in branch location in XXXX, Washington, DC. At time of account opening, a promotional offer was presented to banker who confirmed the account and promotion were successfully opened and applied. Upon gaining access to my online banking on XX/XX/2020, I noticed that the checking account type was not the requested type of account that was asked to be open because the promotional offer only applied to certain account types. Upon realization, I contacted the branch and requested to speak with the banker who opened the account. She was not available, but I left name and call back number. After one week, I had not received a call back so I sent secure message to the general customer service and advised of the aforementioned. Couple days later, I received a response that said the account opening bonus was denied because it is not transferable. I followed up and provided the terms of the offer, which does not speak, in any way shape or form, to the offer being non-transferable. Moreover, it is a publicly available offer posted prominently on the bank 's website.

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