vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had full coverage insurance and the bank put lender placed coverage on my property. They then included it in my monthly payment at an inflated rate from {$8900.00} to over {$23000.00} I showed the bank my policy and showed the bank my ongoing coverage of insurance while they purposely foreclosed. The bank paid it's employees bonuses and made illegal profits doing this practice for 15 years as well documented in settled cases in the United States ( of which I was never a party ). I was 1 of the persons to stand up to them and fight them. I tried to settle with the bank back in XXXX and offered them the FULL amount of money owed through my counsel XXXX XXXX minus the XXXX. I have submitted numerous documents and my checks and bank statements leading Wells Fargo lose the case and pay attorney fees. They filed for a 2nd time and then dropped the case. This is the 3rd time they have filed. I have the evidence and have submitted it to the courts through new counsel and XXXX XXXX has passed away since this fiasco started. The damages to my credit and my life are irreparable. I have copies of the bank statements including the {$100000.00} to reinstate the loan and copies of all the bank statements XXXX of cashed checks for insurance and the XXXX for mediation with Wells Fargo. The file is too large to attach on this site. The bank answers these complaints with wanting proof of current insurance and not wanting to settle because they have been trying to steal the property for 11 years. NOT GOING TO HAPPEN. I offered {>= $1,000,000} which the bank turned down because they want to take the attorneys want keep generating fees, the bank wants to steal the property and do not acknowledge the ongoing proven settlement in US courts for the same LFPI helping lead to the financial crisis and home theft by BANKS in 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 2020-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My scheduled payment of XXXX for the month of XX/XX/2020 was made XX/XX/2020 and I paid XXXX {$130.00} to the payment and the remainder to the principle with Compass bank, I have accelerated these payments over the last 6 months at the same bank, I received notice that I was 30 days late on my payment, I contacted the bank and got the complete run around shuffled around to several different people that I could barely understand, 2 days later my statement was corrected and they claim to be investigating the late entry? I am in the process of making a large purchase that I was approved for but later got declined due to a 47 point drop on my credit due to their mistake that they acknowledge, but they are moving slow on correcting this error saying I might have to wait until they report again in up to 30 days, I told them that incorrect information must be corrected in a timely fashion and not when they feel like it, after admitting they made a mistake someone should have expedited my case, I have 3 ticket numbers they gave me, XXXX, XXXX, XXXX, I spoke to a man named XXXX, and XXXX and 3-4 other associates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have receive multiple calls per day from this phone number as an auto dialer. On most occasions where I did not answer a pre-recorded message was left as voicemail. On most occasions that I have attempted to answer I get several seconds of silence and then I'm hung up on. 
On the occasions that I do get an operator on the line, I have discussed payment arrangements with them and asked that in the future they did not have permission to use an auto dialer to contact me. None of these have resulted in the calls stopping. Each time I have to ask them to check their notes and that I have attempted to make arrangements for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My wallet got stolen from me in the year of XXXX to XXXX j did a police report but it being so many years back I don't think they still have it on file so what do i do if someone is using my social security card and ID and getting things put in my name like things that are on my credit report is FALSE ... I need this fixed ASAP ...

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 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase I want to inform you that I submitted a complaint with equifax and accordingly the comment section states Re-investigation in progress let me guess you put that their??? LOL quit with your XXXX and try that stunt on another consumer that not aware of you lies and games. You didnt enter XXXX and you know you didnt. Because you havent sent me anything if you did you would have provide Evidence so far nothing. Send me whatcha got please. Hear say is not Verifiable! Provide it or else delete it. Also all the crazy talk about you cant dispute a debt with the CFPB XXXX you can. Thats what they are there for. They are just XXXX up right now because of that got XXXX Donald trump.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
On XX/XX/2014, an account was opened on my name at XXXX XXXX ( somewhere in California, at that time I was living in XXXX ), and they billed me for {$820.00} ; however, I have never registered for this school. 
I sent multiple letters to this school ( and later to XXXX XXXX XXXX  ), and I have never received any answer from them with proof that it was I whom incurred in that debt. 
I also sent " 609 Letters '' to the Credit Bureaus '' and XXXX and XXXX efficiently performed an investigation and they already removed this charge. 
Unfortunately, Experian does not, and after numerous complaints and phone conversations along with long hours of waiting, its employees responded that " they do not investigate anything '' and I am the one who has to perform the investigation. 

After I remind a bunch of XXXX and XXXX XXXX  who ignore completely USA laws ), about the Fair Credit Reporting Act, 15 U.S.C. 1681 ; and they are liable to a lawsuit for libel and ... .they hung up!

Experian is the worst of the Credit agencies and it should not exist!! 

Please help me to arrive to a resolution on this case, because at this point the fact is that Experian is ruining and damaging my record, in addition, they also hindering the advance and progress of my economical future as a home owner. I can not buy anything ; and I lost great opportunities of investment because Experian refuse to perform an honest and thorough investigation. They have never sent me the results of my multiple inquires, or the 609 Letters that I sent. 

I know they won't investigate anything and I will be forced to file a lawsuit ; but before I do that ... .I beg you please help me. 
Sincerely, 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 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: COMMERCE BANK
State: MN

Complaint narrative:
This is a report of credit discrimination and one of the most outrageous one. Couple of months ago, I received a pre-approved letter from Commerce Bank which included a 0 % balance transfer without fees, if transfer made before XX/XX/2020. 
I applied for it and submitted a balance request for {$25000.00} since they indicated that if requested was more than approved they will transfer the min of the two.

First they claimed that I mistook residency with citizenship and denied the application ( even though I was pre-approved ).

I called and asked them how a citizen could be denied while a resident would not be. They stated that residency included citizenship. I corrected it and told them that I was a citizen. I was told I was approved after the correction for a {$10000.00} credit limit. But, later I realized that they did not do the balance transfer. They told me they mailed me the card and I could do it when I received it.

I waited for over a week and did not receive a card. I called today  XX/XX/2020 to inquire about the status of the card. I was surprisingly told that my application was under review. I said, I was already approved, they say but they can still deny it even though I was already approved. I told them that was illegal and what they are doing is discriminatory. Because of my wonderful credit history, I am machine approved but because of my race, I was human denied. 
This egregious violation of law should NOT be tolerated. I hope you will investigate and prosecute these type of credit discriminations. I know, you won't but that's fine. History will remember that I did my part reporting these discriminatory practices still in effect in the US financial industry, in 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
For about 3 weeks now wells Fargo has locked me out of my online account, They said there was suspicious activity and that's why they locked me out, they wanted me to answer questions yet later they asked me to verify 10 additional questions supposedly about myself after I answered them they said I got the incorrect answers.

After answering so many questions I would get access but after I answered more questions they transferred me to someone else who could not help but the same thing happened, so they elevated to another person. That first call I was transferred to 3 different levels then I was told the supervisor would call me, I waited a week and never from anyone so I called back. It started ball over and they insisted the way to solve the problem is to go into a branch, I was reluctant, I have been isolating myself, being elderly I want to stay safe, but after calling many more times I thought the only way was to go in and so I did. The same thing happened inperson and I still do not have online access to my online account.

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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
XXXXAMERISAVE MORTGAGE CORP made a Mortgage Inquiry by checking your XXXX  Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. I can sign in to Amerisave and see my SS # and I didn't give out my SS # to 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 2020-09-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been Capital One bank customer for more than 10 years now. I have 3 credit cards with them. Recently they reduced my line of credit on one of my cards from $ XXXX to $ XXXX ( 50 % reduction ) with " shaky '' explanation ( the letter enclosed ). I called them twice and discussed with supervises but I had run around with dead end both times. A few points : 1. I have never been late paying my bill with them 2. I am not using excessive credit with them 3. There is no indication on my part that I am some sort of a " red line '' customer or else.

4. Their argument that I am using credit bellow my credit limits doesn't make sense, maxing credit usage is a red flag, besides how many people use the max on all of their available credit cards? ( rhetorical question ) To sum up, there is no reason for this action. In fact, their " playing save '' by reducing my line of credit is a picking a fight with a legit customer and lead to : 1. My credit score went down 5 points ( XXXX ) in XXXX based on this action. 
2. A damage has been made on my credit report since a reduction of credit limit is persevered by other lenders as " there is something wrong with this customer ''.

3. Due to this action my ratio of used/available credit increased.

Damage has been made to my financial standing based on this action. I believe this is a hostile action not in good faith against me in the light of this Covid-19 crisis, an excuse to damage relationships with the customers. This action is no way of keeping customers, expand relationship with them or get " word of mouth '' around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
I received a loan through Fortiva for XXXX XXXX XXXX in XXXX. Changed addresses in XXXX and never paid off original loan to Fortiva. Owed balance of XXXX. Never received any communication of this debt. Called Fortiva recently, back in XX/XX/XXXX when I noticed them as charged off as bad debt on my credit report. They informed me that they no longer owned the debt and that it had been sent back to XXXX XXXX XXXX the company that performed the XXXX. I contacted vision group holdings and was told I could settle the debt with debt collection agency XXXX XXXX XXXX XXXX. Called XXXX XXXX and settled debt amount for XXXX dollars on XX/XX/XXXX. XXXX XXXX representative also stated over the phone that they had the wrong address on file and that was the reason I never received any communication about this debt. On XX/XX/XXXX I received an email from Fortiva stating that my debt had now been sold off to another debt collection agency called XXXX XXXX XXXX. I advised Fortiva that I had paid the debt collection agency they originally advised me to contact and that they could not sell my debt off as they had stated originally that they were no longer in charge of that debt. They advised I call XXXX XXXX  which I did and I submitted proof of settlement I had received from XXXX XXXX. XXXX representative said this Was fine and that they would reach out to Fortiva to notify them the debt had been settled. It has now been months and they refuse to report the settled debt to credit bureaus. My credit score even dropped 45 points when they resold the debt to XXXX XXXX. Every time I call Fortiva the representative attempts to get me off the line by giving me the phone number to XXXX XXXX XXXX or XXXX XXXX and they refuse to acknowledge the debt settlement. I call XXXX XXXX XXXX and no one answers the phone. I believe they filed for bankruptcy and may have gone out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-10 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: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation