vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: NY

Complaint narrative:
Not my items

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 2020-04-01 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:
Not my items

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 2020-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCB Credit Serivces, Inc
State: TX

Complaint narrative:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH NOR HAVE RECEIVED SERVICES FROM, REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$6000.00} WITH XXXX, XXXX, & XXXX  CREDIT REPORTING AGENCIES. I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDED ADEQUATE PROOF. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODS OR SERVICES THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROO. I AM NOT OLBIGATED TO PAY FOR THE ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: LendKey Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I was conditionally approved for a student loan refinance by LendKey. 

The Application Summary on their webpage quoted me a rate of 1.9 %, reduced to 1.65 % with an Auto-Pay discount. However, the Loan Disclosure that I was prompted to sign indicated that the 1.9 % rate included the auto-pay discount, and the rate would be increased by 0.25 % if I did not use auto-pay. 

On XX/XX/2020 I notified LendKey of the discrepancy between what they surfaced to me in the web portal and what they were hiding in the fine print, and on XX/XX/2020, they responded to me by email that 1.65 % with auto-pay was the correct rate. 

When I followed up with the customer care team by telephone on XX/XX/2020, they indicated that the correct rate is 1.9 % with auto-pay, contradicting their web portal and the email response that they sent me days earlier. 

I believe that these lending tactics are deceptive, intended to bait-and-switch borrowers by quoting an incorrect rate, and then getting them to sign documents that do not match the rate that they were quoted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
Re : Volkswagon Credit We are prepared to file a lawsuit against VW of America and VW Credit for a wrongful repossession, violation of Fair Credit Reporting Act and violation federal disaster mandates. 

The consumer was a teacher, and because she had not been working during the summer months, her account fell behind. In XX/XX/XXXX, during Hurricane Irma, the consumer requested that VW Credit apply a disaster benefit ( payment deferment ) to the account. The benefit was not applied and the vehicle was repossessed in XX/XX/XXXX. 

On XX/XX/XXXX, The VW Credit Recovery Department confirmed that the consumer 's account was eligible for a disaster benefit in XX/XX/XXXX, and similar accounts received benefits. The Recovery Department further indicated that had the benefit been applied, the vehicle would not have been repossessed. 

Your timely attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a letter from XXXX XXXX servicing stating that I had a past due amount of {$1600.00}. When I called Customer service representative ( Ms. XXXX ) on XX/XX/2020 she stated that the late charges had originated with CIT servicing. When I called CIT on the same date, Customer service representative ( XXXX ) stated that the companies were different divisions of the same company. I explained that the letter I received when the change was made stated that all conditions remained the same ; therefore, I did not change the payment date for my bank 's bill pay. All payments were sent through bill bay on the same date of each month and neither company can explain why I have late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
On XXXX XX/XX/2020, I was granted a hardship forbearance from XXXX XXXX XXXX/Citizens Bank student loan payments for a two-month increment. I spoke on the phone with a representative who confirmed I was eligible for a two-month hardship deferment. The representative assisted me and filled out an application through their internal system that was subsequently approved. 
I received letters in the mail confirming that I was approved, which I have attached to this form. The letters are dated XXXX XX/XX/2020. I received a call on XXXX XX/XX/2020 from Citizens Bank Collections, informing me that my loans were in collections ( I am not 100 % sure of the relationship between Citizens and XXXX XXXX, but my understand is that XXXX administers the loan payments on Citizens behalf ). Citizens was not aware of my hardship forbearance and transferred my call to XXXX XXXX. 
XXXX XXXX informed me that my hardship forbearance had been incorrectly approved. They informed me a new denial letter was sent in the mail on XXXX XX/XX/2020, and I should receive it soon. XXXX informed me they had not sent any emails, but had attempted to contact me by phone only 3 times. XXXX XXXX informed me that I did nothing incorrect, and that it was an error on their end that resulted in my hardship being approved. I asked if they could honor it, since I have documentation stating I was eligible and granted the hardship forbearance, and they informed me that the decision was made by Citizens bank, and they could not approve it. Citizens banks logo is on the letter that affirms my complaint hardship forbearance was approved. 

The XXXX XXXX supervisor I spoke with on the phone informed me that he would be filing an internal complaint based due to how this situation was handled on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: NC

Complaint narrative:
Checkr has reported to many potential employers that I have a restriction on my Drivers License of no passengers. This is incorrect and I have provided them numorous time of the motor vehicle report from The State of North Carolina. My current license has only a restriction of Corrective lenses. I know where they are getting the No passengers and that is from a Motorcycle PERMIT that expired XXXX. I have attached the MVR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collins Asset Group, LLC
State: VA

Complaint narrative:
XX/XX/2020 I contacted Collins Asset Group LLC # XXXX, spoke with a XXXX, and was advised that the company no longer had my account in their possession or in the office, and that the account had been outsourced to another company. She refused to provide me with any account information in reference to anything I owe or how to remove reporting, but Collins Asset Group is the company reporting that I owe them funds. Disputed issue with XXXX XXXX online, Collins Asset group responded that information is accurate, so i contacted Collins Group on XX/XX/2020, spoke with a XXXX, and she confirmed the same information that it was outsourced but also could not inform me on my account information. She refused to dispute and advised that the outsourced company will be handling case and payment options, and once I resolve issue with them, they will contact XXXX to remove reporting. I explained my situation to XXXX and she agreed with me that if the account is no longer in their office and has been outsourced, the outsourced company should be reporting against me not Collins Asset Group LLC. I then contacted XXXX XXXX and spoke with XXXX who escalated issue by re-disputing error on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
To whom it may concern, I am contacting today because I am trying to make a payment on my mortgage with Wells Fargo. It has been nothing but near impossible to make any sort of payment. I have been avidly trying for 3 days now for hours to get through to somebody to make a payment to. 

I have tried calling in to make a payment, but hold times are easily over an hour. I have called multiple times now and each call has been over an hour long and I get through to nobody. 

They have revoked automated payment system because it is delinquent. So I am unable to call and use the automated payment system to make a payment. 

They have revoked online payment so I can not pay my mortgage online either. 

I have went to a branch, but they only will take cash or a check. I have been doing a transfer payment for 5 years now, and now they will not take it. I am unable to draw the {$1500.00} I was go pay from an ATM for obvious reasons. 

I, and many others, have been waiting endlessly on hold and getting nowhere. I have reached out to a branch, their twitter account that supposed to be for 24/7 customer support is not responding, the bank refuses to do a transfer. 

The options they have given me and all others is must pay cash or check, fill out a form to have them call you which will do no good because I will be in contact with a loan officer, they say to pay online or over the phone but you can't do that because of wait times and them locking people out of paying that way. 

Wells Fargo should not even be allowed to be in business. They say how they are working so hard to help customers out, but as far as I remember it they have been in front of Congress 3 times in 10 years for how they " help '' people. Like when they made all those bank accounts illegally in other peoples names, or helping cause the market crash in 2008, or even here in Colorado holding paperwork until it's late to hold the interest rate ransom. 

I am just trying to pay my mortgage and Wells Fargo is doing nothing to help, but everything they can to make it impossible to pay the bill. I personally think they want this to go over so they can just begin foreclosing and taking all the housing away from the people who actually keep the business going between bailouts they manage to get.

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 2020-04-01 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: FL

Complaint narrative:
I recently obtained a copy of my credit report. It indicated that a credit inquiry was made by XXXX XXXX XXXX XXXX in XXXX Virginia.on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Thank you for your prompt assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I woke up at XXXX XXXX and was alerted on my phone that I withdrew {$260.00} from ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I immediately called the bank and filed a claim for fraud. According to the online bank details the money was withdrawn at XXXX XXXX XX/XX/XXXX. I could not have withdrawn that amount as I was sleeping. I did not lose my card and I did not give anyone my pin. I had the card on me. The money was withdrawn from the banks branch outside on an ATM. They should have video footage. The next day XX/XX/XXXX I got an alert saying the claim was completed, so I called to check on the status. They said that the case was closed and that they would NOT be reimbursing me for the amount of {$260.00} and that they determined it was not fraud. That they could not provide me with video footage or anything else. That they could not re-open the case. I do not understand how it could not be fraudulent and how they could not investigate any further if they have all the evidence they need. I ordered a new card that same day XX/XX/XXXX after submitting the fraud claim to evade more fraud occurring. 

I was affected Financially. The {$260.00} that were stolen from my account were going towards my car lease. Now I'm going to pay it late and will get late fees charged. I don't even know how I'm going to come up with the money. I might even get my car taken away from me. I can not afford to lose this money. Specially due to the Worldwide impact of COVID-19.

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 2020-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
since XXXX XXXX I am traying to transfer my money in a Merril Lynch account ( XXXX ) with no success as today XX/XX/2020 .... 
I contact the bank several times and only receive absurd excuses .as need additional document or need to wait.

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 2020-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I was in a car accident on XX/XX/XXXX. My car was deemed a total loss. I followed all protocol and informed the lender and all insurance companies. Global Lending Services LLC was the lender. They were paid {$19000.00} by the insurance. There was a remaining amount of {$6400.00} in which my GAP insurance coverage would be covering. Global Lending contacted the GAP Insurance on XX/XX/XXXX to inform them of the remaining balance owed. The GAP insurance paid the remaining amount owed in XX/XX/XXXX. 

Despite the fact that the total amount would be covered by my insurance as well as my GAP coverage. Global Lending Services says I have an outstanding balance of over {$1400.00} ( they have since changed the amount to {$2000.00} ) for car payments from XXXX to XXXX. I do not own the car and it was totaled during the months they claim I owe them a payment. THE ENTIRE LOAN AMOUNT HAS BEEN PAID OFF BY INSURANCE, thus there is no loan to even make payments toward. The three car payments would go to directly profit Global Lending. It was confirmed by supervisor XXXX that the loan amount was {$0.00} and the three payments would not go toward that loan as insurance paid the loan in its entirety. The company is just trying to profit off of my misfortune. Due to the fact that there was a three month lull in which the GAP insurance did not pay they are extorting me for these car payments for that three month period. I am not responsible for how fast or slow the GAP insurance made the payment. Again, the loan was paid in full but they are still threatening to report me for not paying three car payments in the time that they awaited GAP 's payment. 

I agreed to pay the interest amount on the loan amount owed by GAP ( approx 6k ) but Global Lending will not accept that. They want three full car payments although the car was totaled and the loan amount is at a {$0.00} balance. 

They are threatening to report me to credit agencies and extorting me for these payments. They claim they will cease action if I start to make payments and will back date the " paid in full '' status to XX/XX/XXXX when I got in the accident. This alone shows they are not entitled to these payments and are willing to " work out a deal '' for money they are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: FL

Complaint narrative:
My cash app card was lost ... Once i got my replacement card in the mail i tried to activate said card to access my money and it wont let me. I have made several attempts via their support system and emails ... No responses or any kind of solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
These are not my items

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 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made several payments to my Best Buy card in the month of XX/XX/2020 and I noticed they put my payments on hold and unable to get hold of Citibank so I can get theses payments released and I dont have no patience in waiting 7 days at all and the fraud rep told me she can only be on the phone for 5 mins but my bank which is Citibank clear the funds from several payments and best citi refused to contact my bank to verified funds and said they can be on the phone. For 5 mins and they are charging me too much interest on my credit card and Im asking them to lower it or give me a offer since Im going through some hard times due to the cornavirus they had my payment on hold for XXXX I paid from my Citibank account ending 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 monetary relief
Consumer complaint received 2020-04-01 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: TX

Complaint narrative:
This account is fraudulent XXXX XXXX XXXX. no action was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
These are not my items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NY

Complaint narrative:
These are not my items

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 2020-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I was granted a hardship forbearance from First mark Services/XXXX XXXX student loan payments for a two-month increment. I spoke on the phone with a representative who confirmed I was eligible for a two-month hardship deferment. The representative assisted me and filled out an application through their internal system that was subsequently approved. 
I received letters in the mail confirming that I was approved, which I have attached to this form. The letters are dated XX/XX/2020. I received a call on XX/XX/2020 from XXXX XXXX  XXXX, informing me that my loans were in collections ( I am not 100 % sure of the relationship between XXXX  and First mark, but my understand is that Firstmark administers the loan payments on XXXX  behalf ). XXXX  was not aware of my hardship forbearance and transferred my call to Firstmark services. 
Firstmark services informed me that my hardship forbearance had been incorrectly approved. They informed me a denial letter was sent in the mail on XXXX XX/XX/2020, and I should receive it soon. Firstmark informed me they had not sent any emails, but had attempted to contact me by phone 3 times. Firstmark services informed me that I did nothing incorrect, and that it was an error on their end that resulted in my hardship being approved. I asked if they could honor it, since I have documentation stating I was eligible and granted the hardship forbearance, and they informed me that the decision was made by XXXX XXXX, and they could not approve it. XXXX XXXX logo is on the letter that affirms my complaint hardship forbearance was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
I believe that there are accounts on my credit report that I have no knowledge and the credit bureau has not validated or verified.

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