vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXXXXXX {$0.00}

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 2020-04-28 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$0.00}

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 2020-04-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TN

Complaint narrative:
the way2go company is who issues the card to receive my unemployment benefits, i applied for my card on XX/XX/XXXX. The state government page says you should receive your card 7-10 days after processing your first week payment which takes 48 hours, s 12 days at most, i waited until XX/XX/XXXX to call state unemployment customer service for assistance and they gave me the customer service number for the way2go company. The prerecorded message asks for card number or pin but requires activating the card before receiving a pin number. Eventually you can wait and get transfered to a queue to speak to someone if the number doesnt hang up on you automatically, but then no one ever answers I called several times XX/XX/XXXX to be put on hold for 45 min before the call dropping and another for 1 hour before hanging up, i also called XX/XX/XXXX several times and after being disconnected immediately I eventually waited on hold for 40 min before hanging up. State unemployment can not help because way2go is a third party financial company. I still have no card, can not contact any customer service representative, and can not receive approx {$2300.00} which is waiting to be placed on the card. I have since changed my method of payment to direct deposit, and I have been told from the unemployment office the company would have no issue moving the money to my account but i can not even talk to anyone in the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX Loan payoff received by Bank Of America. 
XXXX Bank Of America sends lein release. Stating they have no longer have a security interest in the vehicle loan. 
XXXX Contacted Bank Of America to make sure the account has been closed, they said it was, And that the vehicle could be shipped. XXXX in XXXX was the Bank Of America Representative. 
XXXX Car is Shipped to XXXX XXXX. 
XXXX Out of curiosity, Bank Of America is called, loan is still closed, everything is good as stated by XXXX in XXXX. 
XXXX Bank Of America representative calls and says loan has been opened, and that check was denied funds.

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 2020-04-28 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

USDOE/XXXX XXXX {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is incorrect and innacurate personal information in my credit report. There are names and addresses that are not mine in the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I received a statement dated XX/XX/2020 indicating that I have an escrow shortage of {$7200.00}. This is an error, because my servicer mistakenly paid my property taxes twice. On XX/XX/2020 they made a disbursement for " City/County/School/Utility '' taxes of {$6900.00}. And on XX/XX/2020 there was an additional escrow disbursement of {$6900.00}, triggering a negative escrow balance. Please see the uploaded attachment ( with word " documentation '' in file name ) for evidence of this double payment. 

On XX/XX/2020 I reached out to my servicer via their online messaging portal to inform them of the error and ask that they fix it. On XX/XX/2020 I received a response informing me that they are waiting for the City to issue a tax refund. A copy of that communication is attached. 

On XX/XX/2020 I noticed that the servicer still had not corrected the issue, and in fact, they had increased my monthly mortgage payment ( effective with the XX/XX/2020 payment ) by about {$500.00} to begin chipping away at the alleged escrow deficiency. I contacted them on that day via their online portal to ask a representative to speak with me. A copy of that communication is attached. A representative contacted me by phone on XX/XX/2020. The servicer acknowledged the error but informed me that an escrow deficit will remain until they are credited back the payment by the City. 

Unfortunately, the City of XXXX 's Department of Revenue is closed because of the Coronavirus crisis, so presumably no payment is coming. I insisted to the servicer that this is their error and therefore I should not have to make a higher monthly payment. However, the servicer representative insisted that the company was unwilling and unable to credit my escrow account by the amount they had overpaid, insisting that they wait for the City to reimburse, and in the meantime treating this as a deficient escrow account.

After speaking to her manager, the representative informed me that she was authorized to accept a partial payment for my mortgage, and that I could proceed with that partial payment. I requested that I receive a written notice indicating that I was allowed to make that partial payment and that it would not impact my credit report or my loan payment status. The representative agreed that a document would be provided and posted within a day or so. That was on XX/XX/2020. It is not XX/XX/2020, and no such documentation has been posted, and my minimum payment online still is reflected as about {$500.00} more than I should owe. 

I think it is egregious that the servicer has increased my monthly payment as a result of their own error. They have not been sufficiently responsive to help me work through this. I understand that this is a very challenging time for mortgage servicers, but it is unacceptable to expect a borrower to to pay additional funds to mitigate the servicer 's own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: OK

Complaint narrative:
On XX/XX/XXXX I attempted to contact TransUnion to let them know that there was incorrect reporting on my credit report for the account of XXXX MC and I was not able to submit the dispute because it is stating that I already had an open dispute so I would not be able to dispute the information. 
On XX/XX/XXXX it was reported to XXXX  and XXXX  that the account credit limit was decreased to {$100.00}, this information is not correct. This same error has appear on my TransUnion Report as of XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with 3 separate representative from the XXXX credit card company and they all have stated that my credit limit is still {$1000.00} and there has not been a change. It was an error on the credit bureau part. Their phone number is 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 2020-04-28 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: CA

Complaint narrative:
On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to Experian on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked Experian numerous times to send me the certified information to me so I can review it and the representative named XXXX at Experian, stated that I would have to subpoena that information if i wanted it. Experian has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. Experian is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and Experian. I need help from another agency now.

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 2020-04-28 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

USDOE/XXXX XXXX {$5800.00}

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 2020-04-28 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

USDOE/XXXX  XXXX {$5800.00}

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 2020-04-28 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Made a payment to my American Express Card on XX/XX/XXXX. The payment was for the total balance reflected on my credit card account, which I checked and paid online that day, and the TOTAL BALANCE of the account was {$18000.00}. Which I paid all of it. I then went on to put new charges in the account, and those new charges amounted to {$5500.00}. Besides these charges, I was charged a annual fee of XXXX and interest charges in the amount of XXXX. 

I use a feature called pay over time. In this feature, all charges over 100 dollars would be eligible to be payed at a later time, accruing interest agreed upon in my contract. 

To my surprise, when the next bill came, my minimal balance was {$3700.00}, over 50 % of my total new charges. In all my previous statements, even carrying high balances, my minimal payments never went above 1500.00, and never more than 10 % of the amount due. 

The more alarming thing is that the amount for the new minimal payment is almost exact the amount of the 2 purchases made at the same store : XXXX  XXXX. I made two purchases on that store in the amount of {$3700.00}. I am a first time XXXX  buyer, and I exercised my constitutional right to purchase two XXXX  and ammunition. At no instance the purchase was flagged, or any communication took place between myself and AMEX on any changes for my purchasing power or eligibility changes for the paying over time feature. 

In questioning American Express, they could not answer my question regarding what happens when I pay my balance in full. They " explained '' to me that making purchases after I payed my balance in full made their system apply my payment to the new charges, generating more interest. I profusely protested this, but they said that this is how the system works. 

So please help me. When a consumer pays a bill in full, what does that mean? To me, once I paid the bill in full, new charges were just that : new charges. I made a payment, on time in XXXX of XXXX, almost half of the new charges, and American Express says that my account is delinquent because I did not pay the " new '' minimal amount due of {$3700.00}. Amex is reporting this to the credit score agencies, are charging me interest that is abusive and I also have late fees in my account even though I paid on time ( payment was done on XX/XX/XXXX, when it is not due until XX/XX/XXXX. I have all documented. Please help me. As you will see in the statement from XX/XX/XXXX attached here, they do not zero my balance once I paid on XX/XX/XXXX. They considered all the charges of the month, despite the fact that I paid the balance in full on XX/XX/XXXX. And everything after that is a new charge from an account that was brought to paid in full with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$13000.00} TXXXX   XXXX {$1000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX  XXXX {$180.00} XXXX   XXXX {$370.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$280.00} XXXX XXXX {$970.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: OK

Complaint narrative:
On XX/XX/XXXX I attempted to contact XXXX  to let them know that there was incorrect reporting on my credit report for the account of XXXX MC and I was not able to submit the dispute because it is stating that I already had an open dispute so I would not be able to dispute the information. 
On XX/XX/XXXX it was reported to Experian and XXXX  that the account credit limit was decreased to {$100.00}, this information is not correct. This same error has appear on my XXXX  Report as of XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with 3 separate representative from the XXXX credit card company and they all have stated that my credit limit is still {$1000.00} and there has not been a change. It was an error on the credit bureau part. Their phone number is 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 non-monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am trying to rollover my Wells Fargo 401k to my existing XXXX XXXX rollover IRA. It is impossible to engage Wells Fargo Bank in any way to initiate this. They do not include adequate rollover information on their website. I am calling their Retirement Center now for the third time and have been on hold for over 3 hours. I have {$250000.00} languishing in the Wells Fargo account and have been unable for more than a month to initiate a transfer of funds. Today 's date is XX/XX/2020. 

There is more. It has taken me over two years to complete the QDRO process with this 401k with Wells Fargo because of their incompetence. I needed to follow up with them countless times to track progress and push them to complete the process. The final insult is that they made an egregious mistake with my last name, using my ex-spouse 's last name rather than mine, despite clear directions in the QDRO court-order. They denied access to my account for months because of their naming mistake. They also directed me to initiate a " name change request '' through their bureaucracy to correct a mistake they made. They only corrected the mistake when I finally threatened legal action. 

And now I can not access my funds of {$250000.00} as I wait for hours on their phone queue. And there is no rollover information on their website to get started. 

CFPB - Please address these matters with them and please help me to get my money. I need it badly and Wells Fargo Bank refuses to allow me access to the primary source of my net worth.

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 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I called this agency in XX/XX/2019. I thought my insurance had paid ( {$160.00} ) after our talk. I never spoke with them again until today. They sent bill ( s ) to wrong address. I NEVER received a bill from them. They said they never received the mail back. I explained to them that it I am not responsible for my neighbor 's actions. They did not take responsibility for sending them information to the wrong address. They will not remove the collection notice from my credit. My credit was excellent with XXXX  before their submission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief