vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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: MO

Complaint narrative:
There are 3 accounts and 13 inquiries on my credit report that are not mine. I want them closed and removed from my transunion 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 2021-07-14 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached out to all 3 credit reports to remove all old addresses, I have sent certified mail to all companies thats reporting the wrong address which has been over 6mos ago, and to change there information to the right address so I can remove the old addresses, but the credit reporting agencys still reporting old information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
In XX/XX/XXXX all XXXX of my children were diagnosed with XXXX. Our only source of income, my small business, was forced to be shut down for the entire month to comply with governor 's orders. I called Wells Fargo to ask for a 2 month deferment which was verbally granted by the woman I spoke with. I was so grateful. Then in XX/XX/XXXX I saw that the deferment was not processed. I called Wells Fargo to discuss. The gentleman I spoke to said that there was a mistake and he would pass this along to the manager to remedy but the manager was out at the time. Nothing was communicated with us until I called to follow up on XX/XX/XXXX when I spoke to XXXX from the Executive Office. She said that XXXX ( Wells Fargo employee ) would be calling me in 48 hours. No one called. Then on XX/XX/XXXX I called again and spoke to XXXX. She had said that now XXXX was assigned to our case but he was away from his phone and he would be calling us back ASAP. No one called. Then on XX/XX/XXXX we received a letter saying that XXXX XXXX was working on our case and we should expect a response by XX/XX/XXXX. There was no response. I called again on XX/XX/XXXX and spoke to XXXX. She said that XXXX was unavailable but that he mailed a letter our asking for more time until XX/XX/XXXX. Then on XX/XX/XXXX we received another letter once again asking for more time until XX/XX/XXXX. Then on XX/XX/XXXX we received a letter from XXXX XXXX XXXX that there was a " delay in processing your request for COVID-19 payment assistance '' and that they processed & corrected. Finally after many months Wells Fargo Executive Offices can see what we've been saying all along. HOWEVER, they DID NOT remove any late fees or delinquent payments to our account from XX/XX/XXXX - XX/XX/XXXX. I spoke with XXXX XXXX on the phone on XX/XX/XXXX and asked him to please remove these fees and delinquent payments because we were simply waiting on Wells Fargo to get back to us on the case. He informed me that he would not do that even though no one ever informed us from the executive office that we needed to make payments while they were working on the case. So what has happened is Wells Fargo made a mistake, took 6 months to remedy that mistake and has racked up late fees and damaged OUR credit in the meantime. Wells Fargo has actually MADE MONEY off of a woman small business owner while trying to keep my doors open and raise XXXX small children in a pandemic.

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 2021-07-14 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: MD

Complaint narrative:
XXXX XXXX & trans union all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XX/XX/2021. i have also mailed demand to comply letters. still no response.

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 2021-07-14 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: MD

Complaint narrative:
XXXX equifax & XXXX XXXX all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XX/XX/2021. i have also mailed demand to comply letters. still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I am being charged {$720.00} for an old XXXX water delivery service. There should be no balance and they picked up the faulty equipment I had years ago. XXXX is a 7 year old account and this collection bureau of American is not offering to remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
I have request that they cease & desist all contact regarding the alleged debt. They are still sending me post cards via mails & I am still receiving phone calls as of XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a mortgage with Bank of America that was started XXXX of 2012. Please keep in mind this was the end of the real estate bubble bursting. 

My mortgage amount was for {$76000.00}. 

The type of loan is CONVENTIONAL RES WITHOUT PMI / 30yrs / FIXED. 

I want to close my escrow account. The bank is telling I can not do this until my princepal amount is 80 % of the appraised amount at the time of the mortgage. They have stated to me on the phone that this is due to state regulations. I contacted the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and they told me there is no such regulation. 

Here comes the next very confusing detail. The appraisal on the house is for {$33000.00}. What bank does a mortgage at over 200 % LTV and without PMI. The current value of the house is Approximately {$130000.00} to {$140000.00} and I owe {$58000.00}. 

All I want is to do is close the escrow account and I feel like I am being giving bad info so I have to keep the escrow 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 2021-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
This Account is Not mine, They stolen my identity Fraudulent Account I demand be eliminated. 
The Account Name is American Leading the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: IL

Complaint narrative:
I recently sent in a dispute for an account on my report XXXX acct # XXXX. In stead of researching and verifying the information I supplied to them they updated once again to what the letter I sent in stated. The bad part is, the account is included in my bankruptcy and now it says it is late and past due. How did they fix my dispute or correct the account. They did not verify any information from the creditor. I had asked them to remove the item and instead they updated it with false information and have further damaged my credit and reputation. I have attached a letter of what I sent them and a copy of a document showing it is in my bankruptcy.

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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reached out to all 3 credit reports to remove all old addresses, I have sent certified mail to all companies thats reporting the wrong address which has been over 6mos ago, and to change there information to the right address so I can remove the old addresses, but the credit reporting agencys still reporting old information.

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 2021-07-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: VA

Complaint narrative:
CHIME took XXXX was taken. My statement is only showing 2 transaction when it should show 4 and they said they cant see my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TX

Complaint narrative:
XX/XX/XXXX In regards to XXXX XXXX XXXX. 
Account Info Tap labels for more details Account numberXXXX Collection openedXX/XX/XXXX Account type Debt Buyer That account does not belong to me. 

Experian has not provided proof of debt validation, neither has the original creditor. although I have requested this via certified mail. 



I ask once again to have this item removed from my credit report. 

I will continue to pursue this matter until it is resolved to my satisfaction. 

Thank you, 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 2021-07-14 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I purchased a couch in XXXX from XXXX XXXX XXXX using their credit card. The couch consisted of three different sections. Two sections were delivered in XXXX and the other section was delivered in XXXX. The original agreement was for 18 months no interest if paid in full by the end of the term. I set up recurring payments from XX/XX/XXXX to the present day. I've done this multiple times in the past with other furniture from the same company ( XXXX XXXX XXXX ) and have always paid the full balance at the end of the term. The first term for this purchase ended on XX/XX/XXXX, and the next term ends in XXXX for the other section delivered later as described above. I paid the amount in full for both the XXXX and XXXX terms on XX/XX/XXXX which totaled : ( {$1900.00} ). Unfortunately only the minimum recurring payment of {$67.00} was applied in XXXX. I'm not sure why the entire amount didn't go through. I noticed this discrepancy on XX/XX/XXXX and called the company immediately to discuss the situation and resolve the balance due. I paid the full amount remaining on the original purchase of ( {$1800.00} ) while on the phone with the representative to ensure the final payment did go through. I'm am now being charged ( {$980.00} ) in accrued interest. I called to see if they were able to waive this accrued interest fee since I did attempt to make the payment on time in XXXX and did make the final payment in full within threXXXX weeks of the original due date. I was advised to file a dispute for the interest being charged. I'm being told there will be a waiting period of up to 90 days before I hear a decision. I've been a loyal customer for many years and have always paid my bills on time with this company. I'm very upset that they are not willing to work with me and have me sweat out the two billing cycles to see what comes from this dispute which I'm sure will ensure additional interest and late fees. They did tell me that they would have waived the accrued interest fee if I called within two weeks after the due date, but since I was a week late, there was nothing they could do to help. Any help is appreciated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC
State: CA

Complaint narrative:
they have reported that i have been funded since XX/XX/XXXX to the XXXX - i have not. 
i also applied for XXXX loans not XXXX they only have me listed for XXXX. 


i have a string of mails of trying to reach them no on calls me back or answer the emails from their company they have not given me the {$42000.00} in XXXX disbursements as of this date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well 's Fargo won't pay out the IRA from my parent 's estate to us because I am unable get medallion signature from anyone -- even them. I have spent hours and hours trying to get this and I am unable to. Not even from Well 's Fargo. So I guess they plan to keep my money- even though it's a relatively small amount. I am a busy professional, I have lost work time in my attempt to get that medallion signature. I even called their Estate Care Center and they couldn't help me!!!!

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 2021-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Concord Servicing Corporation
State: AZ

Complaint narrative:
In XX/XX/XXXX, I hired an HVAC company called XXXX XXXX to replace our AC/furnace. They offered financing through a company called XXXX XXXX XXXX ( XXXX XXXX, IA ). The interest rate I agreed to and that is clearly indicated in the handwritten proposal/contract I signed on XX/XX/XXXX was 9.9 % fixed after 12 months with no interest. 

On XX/XX/XXXX I received notice that XXXX XXXX had sold/transferred the servicing of my account to Concord. In XXXX of this year I finally went online to check the account and saw that Concord has been charging me 11.95 % interest. I emailed to request a correction and was sent a typed contract ( a " Copy of Original '' ) that I had never seen before and did not sign, although there is a XXXX XXXX XXXX Facts '' / '' Disclosures '' page with my signature on it. ( This page includes my name printed by some other than me. ) Key to the issue is that this contract indicates 11.95 % interest rate on the terms page ; however, the original handwritten contract is included as the last page, and it clearly shows the 9.9 % rate. Again, I did not sign an agreement for anything but 9.9 % interest. This company is engaged in fraudulent activity, specifically apparently electronically forging my signature after creating a sham contract that does not reflect the handwritten agreement I signed with the XXXX XXXX sales agent present in my house.

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 2021-07-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, my daughter received a text, addressed to ME, from Chime bank, stating to expect my Chime Debit card in the mail. She notified me immediately. I've never even heard of Chime. 

I immediately contacted Chime ( support at chime dot com ) via email, and inquired as to how to close this fraudulently opened account. 

Chime is requesting a photo of my ID, as well as a photo of my Social Security Card, in order to close this account, stating they need this information to verify my identity. This is AFTER they asked for the last 4 of my Social, my email address, my phone number, my address, all things that can be used to identify me. I do NOT understand why, after providing details I am already uncomfortable providing, to a bank that DID NOT REQUIRE THESE DETAILS WHEN THE ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE, they now what photos of sensitive documents. 

I am MORE THAN HAPPY to provide a photo of my passport and a utility bill, but there is NO WAY I am going to photograph my Social Security card and send it to a bank that required NO form of ID, to open the account, in the first place. Especialky when I already gave them the last 4 of my Social, so they can verify my ID that way.

In addition, SEVERAL employees asked for this same information! I can't even get a single, dedicated person assigned to help me close this fraudulently opened account. Instead, it's being passed around from employee to employee, and instead of LOOKING at the information I've ALREADY provided, they're asking for the same information, over and over again. 

To further complicate matters, I'm currently XXXX on a XXXX  ( with no way of opening an account- I had to get special permission from my command just to post here, because there's NO internet underwater, and limited internet when we surface ). They're expecting me to take pictures of personally identifying documents, in a place ( XXXX XXXX XXXX ) where cameras just aren't allowed, for obvious reasons! 

I just want any account that was fraudulently opened, closed, IMMEDIATELY. 

I have also submitted report to identity theft dot gov.

Company response to consumer: Closed with explanation