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: 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing the credit report, the XXXX XXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.

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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Greetings, Wells Fargo would not give me a small business loan, therefore I had to use the personal Wells Fargo credit card with high credit points in order to conduct daily business while being a XXXX XXXX XXXX XXXX. Once I reached my limit, and had slow payments. Wells Fargo passed my account over to XXXX XXXX  XXXX, a collection agency who ultimately had a XXXX XXXX XXXX XXXX rule on a " Garnishment of Wages '' against me in 2017 in XXXX, Tennessee XXXX XXXX XXXX. Now, after several years of paying promptly, I've contacted both Wells Fargo and XXXX XXXX   XXXX and they've both been unwilling to allow for me and my wife a pay - out amount even since this Coronavirus Pandemic crisis. And they have still refused on each phone call with their reply to deny. As an XXXX American  family, we have reviewed such horrific actions caused towards XXXX Americans from Wells Fargo and criminal tactics since The Great Subprime Scandal. Nationwide, XXXX Americans and XXXX  have suffered tremendously due their criminal intent actions. And now, for almost three years,  my Credit Report has been ruined due to the fact of having a " Garnishment of Wages '' in the report. I've filed a recent request for a court hearing in XXXX 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 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To whom it may concern, XX/XX/2020 I was on vacation in XXXX, and I looked at my accounts online with Chase bank. I noticed on my credit card had a purchase that I NEVER made that was for {$2100.00}. XXXX so I called Chase right away. 

Customer service canceled my card and sent me a new card once I got back. So XX/XX/2020 they put the charge {$2000.00} back on my account blaming me providing me with no explanation. 

Im not able to communicate with anyone because customer service keeps saying fraud department is not available and the number they gave me says no one is available to talk. 

I filed a claim with XXXX  and FBI so I can get this fixed. The police recommended I filed a claim with FBI. 

The purchase was made from a place called XXXX for {$2100.00} on XX/XX/2020 on my credit card a Chase Bank. The address is XXXX XXXX XXXX XXXX Delaware XXXX XXXX This is number they gave me to call but no one ever picks up. XXXX. I have emailed the fraud department for chase five times and they send me letter stating they will close the fraud case and blaming me. 

Please help me. I will fight this because I am a victims of fraud and my bank Chase will not help me! They have not given me any reasons, no affidavit, no reasons how they investigated, no comment except a letter blaming me for a charge I did not make. Thank you please help

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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I alerted Experian multiple times about a fraudulent account opened in my name as a result of identity theft. Experian took NO action to remove the account from my report or cross check their information with the other two credit bureaus who investigated the account and promptly removed it. 

I have been in contact with Experian multiple times to address the issue. Both via phone and via online disputes to no avail.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The company, Ally Auto, locked me out of my online access and they force users like me to call a number to get a password reset. I have been calling for a few months and their operator always states that they can not assist with a password reset because the system is down. It is always down and they say call back. 

Since I am locked out I have been forced to use a third party payment system that charges a convenience fee that zi could avoid if I could have access to my account. 

I have also been unable to see if those 3red party payments have actually posted to my 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 2020-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
After reviewing credit reports noticed an unfamiliar derogatory account from Southwest Credit Systems on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
There is a company called NewRez LLC dba as Shellpoint Mortgage servicing that is servicing my VA home loan. I revived a letter yesterday that states that I did not make my XX/XX/2020 house payment and they are charging me a {$31.00} late payment fee. The payment was made and cleared the bank on XXXX XXXX. I have tried calling there so called customer service and all I do is set on hold for long periods of time. The reason I am writing to you about this problem is that this is not the 1st time this has happened to me. About 8 months ago I had the same problem with this company. I called several times and talked different supposed service reps with no help. It was not until I filed a complaint with the XXXX  that I got someones attention to my problem and got it fixed. It tuned out that my payment was posted to the wrong account number. It seems to me that this is happening all over again. I am an elderly person and it is not easy for me to have to go to the bank, stand in line to get a copy of a canceled check to prove to this company that I in fact did make my payment and on time. I think this company should be investigated for there accounting practices. It makes me wonder how many others are having the same problem with this company?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2019 a fraudulent check in the amount of {$850.00} was taken from my XXXX XXXX XXXX uncles account at TD Bank. His account number is XXXX. This person XXXX XXXX wrote himself a check and forged my uncles name. My uncle has filed a police report and went to the bank many times and still have not received the money back. He has been complaining since last year

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a modification on XX/XX/XXXX that XXXX XXXX negotiated with XXXX XXXX XXXX on my behalf. The trial modification payments were $ XXXX. On XX/XX/XXXX, the loan was transferred to Bank of America and the payments increased due to an escrow shortage. The payments increased to {$2200.00}. I began to have trouble making the payments so I was given an " In House '' loan to catch up on the missed payments. The new monthly payment was {$2400.00}. On XX/XX/XXXX, after I was given the " In House '' loan, I was contacted by XXXX XXXX XXXX to let me know that the property had been overassessed not only for the the XXXX tax years but the XXXX - XXXX tax years as well. The estimated tax bill was {$4500.00} for the XXXX XXXX Tax year. I believe the payment increase due to this over assessment. Not only did Bank of America force me to pay a higher monthly payment, they also invalidated my first modification and increased the principal balance. I paid a total of {$1100.00} to XXXX XXXX  XXXX for their services and I was never reimbursed. The loan was originally a Countrywide loan with a loan Balance of {$320000.00} and an equity line of credit amount of {$80000.00}. In XXXX, it was transferred to BofA. The {$80000.00} equity line of credit was forgiven by Bof A on XX/XX/XXXX. However, in XXXX ( fours years later ), the principal balance increased to {$410000.00} after the second modification. I've contacted BofA at least three times about the increase in payments and they always cite the escrow shortages as the cause for the payment increase. I would like an audit of the loan to explain the many contradictions in the loan payments and the escrow shortages.

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: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
As a preferred rewards member with Bank of America, I've received numerous offers for opening a Merrill Edge brokerage account. Funding this account with {$50000.00} makes me eligible to receive {$220.00} in incentive. I spoke to XXXX, and XXXX who said this was not in the terms and conditions. They we're representatives from Maryland, call back number was from XXXX at XXXX XXXX EST  on XX/XX/2020. I wish to have the terms and conditions and my account reviewed at an executive level, as this is false advertising and predatory.

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 2020-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-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 2020-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-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 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: 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
After reviewing credit reports noticed an unfamiliar derogatory account from EOS CCA on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.

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: EQUIFAX, 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 XXXX  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 XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX  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 XXXX  as well as the other two credit bureaus. I need help from another agency now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The company ( CITIBANK ) has responded to my query that the account is closed on XX/XX/XXXX while my conversation with them was at least 2 weeks ago and the letter they sent to me shows another error mentioning that my account WILL be closed on XX/XX/XXXX. Again, the inappropriate hold of my fund after they decided to stop providing the banking service should be reimbursed because it has cut my access to my funds. They should have sent my check earlier not 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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-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 2020-04-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: MN

Complaint narrative:
Robo calls with no information. Don't owe anyone. 
Think it is a scam. 
Caller ID says Hunter Warfield XXXX and XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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: CA

Complaint narrative:
I've been having the hardest problem dealing with someone using my personal information to open accounts in my name without my consent. I've filed police reports and FTC report trying to clear my name but i'm not having much luck.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sent disputes out to Equifax and they have taken longer than 30 days to respond to my dispute. I am attaching the receipts of certified letter which shows they received my dispute on XX/XX/XXXX and they did not start investigation until XX/XX/XXXX. They are in direct violation of the timeline to complete a dispute in the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lamont, Hanley & Associates, Inc.
State: CO

Complaint narrative:
Company wont identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage was sold to NewRez/Shellpoint 5 months ago. I am currently trying to refinance with another mortgage company while the interest rates are low. I have been requesting from NewRez/Shellpoint Mortgage, for 14 days, a payoff of my mortgage. I have emailed them twice, I have requested the payoff online many times, I have called and spoke to a representative on XX/XX/XXXX and XX/XX/XXXX and left a message for her today. She can not tell me why I cant get a payoff. She gave me her direct line. Although very kind she doesn't appear to be able to help me. I have told her I need this by Thursday XX/XX/XXXX for closing. She has my email and phone number but isn't calling me ... probably because she doesn't have any information. This has been extremely frustrating. My new rate is only good for a few more days and if I miss out on this lower interest rate because of NewRez and their incompetence I will be extremely angry. 

XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
On XX/XX/2020, I called Early Warning to obtain a " security freeze '' as outlined in the FRCA. However, I was informed by the representative " XXXX '' that he had never heard of that and it was not offered. He continued that Early Warning was not a " credit '' reporting agency and consumer reporting agencies were exempt from the FRCA, which is absolutely false. Although, the rights are listed at the bottom of the Consumer Report which I obtained. It reads in bold and all caps that " CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE. '' After no further denial, I requested to speak with a supervisor " XXXX, '' but she never came to the phone. I requested a call back. Thus, my issue is that I have the right to a security freeze and would like one placed on my consumer report. Thank you.

Company response to consumer: Closed with explanation