vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear, my daughter is under XXXX years old so I opened an account with Wells Fargo to deposit scholarships and financial aid funds to her account, her ATM Debt cards was compromised so many times and she didnt know how to protect her account she were disputing the chargers instead of filling fraudulent charges and the Wells Fargo instead helping her to file fraudulent charges instead they were disputing them that majorities of them were rejected and she had to to pay for charges that she didnt do, not knowing Wells Fargo a decade ago committed unethical and fraudulent by opening accounts for their clients without they not knowing in fraudulent and unethical manners and now instead of protecting their customers. The bank manager filed internal complaints for why she suspended her ATM debt card and It didnt resolve and I wasnt notified so I had to give her my ATM to utilized for her XXXX Universcity. I think Wells Fargo is doing it again in different matters its a pattern please investigate their actions. 
Thank you and stay safe.

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 2021-03-10 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:
I like to file a complaint for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have reached out to these companies for more information to no avail. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review and removed this fraudulent information from my credit report immediately.

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 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
Lost my job due to covid I am not able to pay my bills my income was reduced drastically i was filing bankruptcy I talked to ford credit and they said they would work with me soon as my dismissed bankruptcy ford credit called repo company and came and got the truck with no response and not willing to work within my means I'm a disabled vet with a fix income sold truck at auction and are preparing to sue me for a deficiency balance that I can not afford to pay on there terms

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This is another fraud debt collection scam by Credence at 2 locations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX and Credence Resource Management LLC XXXX XXXX XXXX XXXX, MI XXXX, In XX/XX/2017 The account was paid off and New service began with another cable subscriber XXXX there offer for new service was to pay-off your existing cable service which was XXXX XXXX XXXX, apparrently some how after 4 years, they are claiming that this amount was never paid for XXXX XXXX XXXX where I have been a customer since XX/XX/1994 at the same location. I noticed over the many years they periodically send the same notice from the same company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: TX

Complaint narrative:
PLAZA HOME MORTGAGE acquired my loan in XX/XX/XXXX. I had to contact them 4 separate times on XX/XX/XXXX, because the first 3 people hung up on my wife and I. They had not paid my county and city property taxes from the escrow money they collected from me at closing, over 4 months ago! On XX/XX/XXXX, at PHM 's request, i emailed them the county and city tax bills. As of today, XX/XX/XXXX, they have still not paid my city tax bill! THIS WILL ABSOLUTLY STOP ME FROM GETTING ANOTHER LOAN WITHOUT DOUBLE PAYING THE BILLS!!!! I am on the phone with them, right now, and their cavalier attitude to this situation and its affect on my business IS UNACCEPTABLE! THEIR NEXT " PLANNED '' PAYMENT OF MY TAXES IS XXXX???!! SO THEY'RE TELLING ME THAT XXXX WONT GET PAID, ACCORDING TO MY ACCOUNT .... IT'S CRIMINAL THESE IDIOTS ARE ALLOWED TO SERVICE LOANS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
I started dealing with XXXX XXXX ( NMLS ID # XXXX ) in XXXX to apply for a 30 year fixed loan to refinance my current 30 year fixed loan to get a lower payment. 
After running my credit, etc., she offered a 30 year fixed loan with a rate of 2.375 % with a payment of $ XXXX/month. There was also cash back of {$520.00} to repay me for their loan application fee of {$500.00}. 
As you will see in the documents attached, the actual offer was nowhere near her stated offer. 
As a result, I have suffered material damage due to losing out on other competitive offers from companies like emortgage and others because I believed her offer to be valid. 
I've spoken with her several times regarding getting a firm offer with the terms she described, but have been unable to do so. I have multiple emails to this effect. 
Additionally, AmeriSave has requested the same documents numerous times after they were sent them previously.

Moreover, the AmeriSave website shows that no other documents or requirements need to be met and yet I have no firm offer still!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/21, I closed on a refinance of my loan, resulting in a payoff of the original mortgage held by SunTrust. The loan funded and paid more than what was owed on the loan balance, as confirmed by SunTrust 's website on XX/XX/21. Every three days following that pay off, I have attempted to contact SunTrust by phone or by their web messaging to obtain a refund of the over payment and my escrow balances. On two occasions, most recently on XX/XX/21, I reached a call center rep only to be hung up on and forced to start over after hold times of 30 minutes. 

The branch offices tell me they can not help, and I have no means to obtain my money owed by the bank, or even an online site to view the balances as they remove the loan from the site as soon as it is paid off. Please help me by inspiring a response to my request for repayment.

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 2021-03-10 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: GA

Complaint narrative:
I am disputing an issue with the following companies : XXXX XXXX XXXX  XXXX  TransUnion

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 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
The companies we are dealing with is Selene Finance the mortgage servicer and the investor XXXX XXXX in XXXX XXXX XXXX. My complain is the delay in modification decision and the time line for response. The document received from Selene Finance was dated payment expected by XX/XX/2021 we received documents Via mail on XX/XX/2021 XXXX with a week to respond to the trial Modification 2 months after promise date of Modification. 

The amount Selene Finance is stating for 90 day trial is XXXX with no explanation as to what the funds would be applied to in writing. We are still not sure who holds the mortgage and if this not a charge off mortgage that they are trying to collect on the original mortgage was held by XXXX XXXX. XXXX was appraised condition is fair House has flooring and roofing problems ceiling cracking the value was not up to area comp sales condition of House is poor. Things that need to be repaired total XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Date of this account is a dates XX/XX/2015. 
the amount is ( {$1200.00} ) I have informed the collection company that this account does not belong to me. I've explain the information used to established this account does not match my correct information. Address is unbeknowest to me. This erroneous information negatively impacting my credit. I have ask them to provide validation, evidence, bearing my signature, the description of the procedures used to determine the accuracy and completness of the information. Additionally, please provide the name, address, and telephone numbr of each person who personally verfied this alleged account. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printedoit of a bill or itemized document does not constitute verification. They provide a copy of bill which i will attached to this statement. This listed item inaccurate and incomple, and represent a very serious error in their report delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified U.S. Bankruptcy Court case number XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 explanation
Consumer complaint received 2021-03-10 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: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified U.S. Bankruptcy Court case number XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hi, last month I filed another complaint against carringtonm mortgage services llc, last month after I received the home insurance premium, I contacted carringtonm M S LLC., to get the new analysis, they told me that the new payment will be {$350.00},, last year the home Insurance premium was almost the same as this year and I paid every month the same amount, but today XXXX I received another different analysis for {$400.00}. On XXXX several times I called carringtonm and they told me that the new analysis will be the same as last year, about {$350.00}. Every year I have to file a complaint against carringtonm because they do the same tricks and trying to get more money. Last complaint was because carrington didn't wait the 30 days period for me to pick a different insurance, so I did it, then the house payment went down, but this month they increased again. Carringtonm mortgage services llc XXXX fax : XXXX. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: AR

Complaint narrative:
I submitted a complaint and received information back on XX/XX/XXXX that possibly a third party is involved, so the case was closed. I find that was extremely unfair that I must resubmit the complaint again. I am competent to submit this claim for myself and to explain what is going on with my account myself without the need of a third party. I do expect to get results this time since Im clarifying that I AM XXXX XXXX. I spoke with XXXX at CFPB, who told me to just submit a new complaint. 

Several accounts show that the dispute I submitted as updated, but nothing ever happens on the actual account. I dispute all of the accounts each time, but its not documented as such. These accounts arent being investigated or they would have been corrected or deleted by now. I never received a letter about the disputes, as Im sure youre aware, this itself is a violation of the FCRA. I got this information from the Experian app under alerts. XXXX Open : XX/XX/XXXX Balance updated : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Open : XX/XX/XXXX Status : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  Open date and status dates are the same : XX/XX/XXXX Balance updated : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Status : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  Open date and status dates are the same : XX/XX/XXXX Updated balance : XX/XX/XXXX No date of last activity or date account will come off report Account Dispute Updated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: MI

Complaint narrative:
I applied for a loan which was approved through their automated system. Once I applied and provided my documents they stated that my income was too low compared to the requested loan amount. When I called to ask why and what amount of income they decided to use they refused to provide that information. I feel as though they are being discriminatory and denying my the loan. My income matches what I initially requested. I would also like to apply for a lower loan amount but they couldn't tell me what amount I would be approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/2021 someone applied for 3 different credit cards. XXXX XXXX, American Express and a 3rd that I can not remember. This was not me and I need them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
I received an email from Paypal that explained my account was suspended because I violated their terms of service. When logging into my account it confirmed the same and literally says they will not provide the exact reason why. I have very few transactions with my Paypal account and they are all legitimate and small dollar payments to friends or associates or legitimate companies. My transactions in the last 6 month included entries to XXXX tournaments, a XXXX XXXX, a metal sign that was a XXXX gift and a concealed carry holster ( no XXXX purchase - just a holster ). I have only received payments from XXXX opinion service that pays a few cents for answering surveys. 

I suspect the purchase of the holster was the reason but it's not an illegal item in any state that I'm aware of. 

The paypal reference id is XXXX Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I need to change my payment due date on my credit card account with Bank of America. 

I want to change it to the last possible date of each month ( XXXX, or XXXX ). However, when I go to contact them on the website with this request, there is no dropdown menu for changing the payment due date, and the website won't allow me to send a secure message to notify them of my request.

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 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In XXXX of XXXX we notified XXXX that the vehicle was having mechanical issues and we were not able to get it registered or fixed. Our account was severely delinquent for the past year, we would make a payment only when an email was sent advising the date of repossession. We recently were forced XXXX XXXX the vehicle and it experienced engine trouble resulting it not being able to be moved. This was on XX/XX/XXXX. It was stuck at a gas pump, I had a certified XXXX mechanic come out to inspect the vehicle. He told me that his shop could not fix it, and only the dealership could fix the vehicle. He helped me push the car to a parking spot. I then notified you of the issue with the vehicle. I spoke to your executive office and was assured a repossession company would contact me to arrange pick up. During the initial call, the representative gave me false information related to my credit reporting during her attempt to make me keep and pay for the vehicle. I was voluntarily surrendering the vehicle to avoid further fees and negative credit reporting but you told me that i had to have possession of the car even though I am calling you to tell you to come get it. We agreed that the repossession company would contact me to arrange pick up and I would meet them to give them the key to have it considered a voluntary repo. I called earlier this week and was told that I had a payment arrangement scheduled and it would not be picked up. I had to explain the situation again and remind them that the vehicle was not running and my arrangement was deleted. I was told it would be picked up. I called again today, XX/XX/XXXX and was told that you sometimes wait until the involuntary repossession date to secure a vehicle. I do not agree with this as we made an agreement to have it voluntarily surrendered. Your company calls non stop multiple times a day and the representatives are very rude. My credit is absolutely destroyed and i've been paying for a car that i couldn't ' even drive. 
Please quit trying to charge me more money and prolong this ordeal. The situation is that we purchased a car at your dealership XXXX, financed with your company BridgeCrest and our extended warranty is with XXXX, also your company. The warranty we bought from you on the vehicle from you can not even fix the car we purchased. Dealerships are not in the network and that is the only place that can fix the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Somebody has obtained my personal information and has opened accounts in my name. 
XXXX XXXX XXXXXXXX : {$2400.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX : inquiry XX/XX/XXXX capital one : inquiry XX/XX/XXXX Please remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/ identity theft, all is investigated by the FTC . According to FCRA 605B This information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation