vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Last week, I applied for a streamlined VA mortgage refinance with my mortgage company, Wells Fargo. I was contacted by their representative, XXXX XXXX XXXX XXXX XXXX XXXX ext. XXXX 

XXXX told me that he believe that I would not qualify for a this refinance because it would not lower my payment enough for me to recoup the cost of the loan within a specified time frame. I instructed him that I would pay all loan costs out of pocket at the time and to submit the application anyway. 

I was contacted, yesterday ( XX/XX/2020 ), by XXXX. He told me the loan was denied for the reason that he gave me earlier. I have yet to receive anything in writing from Wells Fargo. I insisted that he ensure that I do. 

There are multiple problems with XXXX and Wells Fargo 's assertion : 1. I already said I'd pay loan costs out of pocket, meaning that there would be nothing to recoup within ANY time-frame.

2. My current payment is nearly {$1200.00} monthly. Wells Fargo 's own online mortgage loan calculator tool shows my payment would most likely be less than $ XXXX monthly. There's no way that I wouldn't recoup my investment even if I hadn't instructed XXXX that I would pay the loan costs up-front. 

3. I've already pre-paid approximately {$20000.00} on my current loan. 

XXXX XXXX and Wells Fargo are not just wrong, they are perpetuating FRAUDULENT banking practices. There is no way that what they are doing is unintentional or some kind of innocent mistake. 

Wells Fargo even refuses to reamortize my loan, taking into account the funds paid toward principal. When I questioned Wells Fargo about this ( well before I submitted for a refinance ) I was told that they COULD NOT do it, and that federal government guidelines prohibited it. I suspected that to be another outright lie as I've had VA loans my whole life and never been declined an reamoritization ( normally, the bank does it on it's own ). 

Why is Wells Fargo intentionally committing fraud? I suspect it is because of complaints I have made to regarding past fraudulent practices.

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 2020-07-30 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: IL

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF ED/XXXX, XXXX  XXXX, XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX   XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My 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 2020-07-30 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: NY

Complaint narrative:
on XX/XX/2020 at XXXX XXXX  ET, I have called Experian dispute center after I found some address listed to a credit report that does not belong to me, I've spoken to XXXX from the dispute DPT after she verifies my information, I told her about the wrong personal information has been listed to my credit report ( the address that I never lived in ) her answer was " sir you have to contact the creditors who reported that info to us " I don't know even who reported this info, to begin with, and she refused to take my complaint about the incorrect personal information. 
according to the Fair Credit Reporting Act, XXXX from Experian dispute DPT acted against the law please help to correct this unlawful act from Experian

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 2020-07-30 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: IL

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My 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 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX   XXXX states I have a zero balance. XXXX has a record of payment Not In Collections!!!! These dates and agencies Do Not Make Sense. Perhaps they have me confused with someone else. I do not owe XXXX XXXX any debt! They state my address is un-deliverable and I have been at that same address on file for 3 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I took my California issued unemployment prepaid card to a Bank of America drive-thru ATM to withdraw an amount of {$800.00} to pay for my rent. Upon initiating the transaction the ATM box stalls for a second and then complete transaction but dispenses me no money and only a receipt. At that point I contact a Bank of America rep by calling the number listed on the ATM box who then advises mean to go within the branch and notify them because within his system he stated he could see the transaction had completed and the money was withdrawn from my account but no cash was dispensed at that point. If I'm going inside the branch and ATM teller tells me there's nothing that they can do as they do not service the EDD card so then I am advised to contact a number on the back of the card when doing so I was told I needed to file a claim I went ahead and start the process a filing a claim and have been waiting almost two weeks now and just as of today the XXXX of XX/XX/2020 my card company advises me that my provisional credit has been denied and that it is customer reliable which makes absolutely no sense because there are cameras surrounding the bank area and if the investigation was thorough as the state it would be then they should be able to see that no cash was given at that point when I was at the ATM and I should have been issued my money in return.

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 2020-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX? Bank usa/targetcredit {$530.00} Account is not my account. I have called to resolve this issue many times since 2013. 
I asked the company to remove the collection and produce documentation regarding this debt. I have not received any proof that this debt belongs to me. I amasking CFPB to investigate the improper reporting to be removed from my credit and to be remove bad debt reporting in all bureaus. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( 13 minutes ago ) to Customer XXXX XXXX , Unbelievable answer to my question. 
I did the location search and the answer was " no locations found ''. 
That is why I asked you for a location. You did not respond, only sent me to your location finder again. 
Doing a little research, I did find the nearest location in XXXX XXXX, Va. XXXX which is about 250 + miles from my house. My question to you now is, how do you expect me to do business with a bank location that is 250 miles from my house? The Sun Trust location I used is 2 blocks from my house and there are 20 locations within 15 miles of my house. Not sure this was the correct action for my banking needs! 
XXXX XXXX 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 2020-07-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
One dates XX/XX/XXXX and XX/XX/XXXX I and my mother have received threatening phone calls from ACE CASH express. They are stating that they are going to press charges against me for fraud for none payment. 

They have harassed my mom as well. They are speaking to her as if they intent on holding me hostage : that they know where I live, they know my address, and that they know where I work. If this was all true ACE would know that I am unemployed. And living off food stamps.

However on their calls to me they are asking for my address to send documents to. That I have been warned. So if they don't have my address why are they contacting my mother, telling her they know everything about me? Ace Cash express has my information on file. I have not received one piece of mail from ACE and I have not moved. There is no need for the aggression in phone calls. If they have documentation they are more then welcome to send it.

During these phone calls its only aggression and threats - there's no point to a resolution - only continuous abrasive language and argumentative communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/2020 I received an eidl loan into my " joint account '' with my Younger brother.I put join into quotations because after it was received I was told my brother couldn't be added on my account even though he has a credit card and checking account with NFCU.When applying for the eidl because i got one as well for my small business around XXXX dollars the auto fill accepted and didn't realize my number not his after it grayed.I was told on XXXX  that we needed to prove we were brother and sister which aside from a dna test is hard we have pictures from youth ect but different mothers and a absent father which is not uncommon. I went into the bank and withdrew his money and gave it to him he is a sole proprietor working for XXXX  and XXXX XXXX/XXXX XXXX. # # weeks later i wake up to my accounts locked and after being on hold twice for 4 hours a time I am told this will be resolved and I can have my money that I just put in the account two days prior if we both come into a branch with our ids which we did the following day.After another ridiculously long hold I am told that my personal funds are being sent back to the sba ... That is my rent my money from working ect money that i physically put into my account.Navy Federal stole XXXX dollars from me without so much as a blink of the eye after doing everything they asked and verifying with documentation .DURING A PANDEMIC!!!! I am going to be homeless because of this asine action. The funding cleared before it was withdrawn and given to him as well. He has even made a early payment on his loan. I want my account and my money back into my account and I want to not be told and have one resolution documented only to be met with lies when coming into the branch.I am a veteran who has honorably served my country and I do not deserve this at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
my sister gets unempolyment but has no card to put it on. so it being my sister i gave my card informtion to put it in the florida unemployment office acc. so the money comes to my account and i give it to her that day. so today my money says negitive i call and they tell me it is under investigation.

but this is not my problem never got a email from my bank nor from the law informent fraud team. the unempolyment office never said this was not ok and if this was going to happen why did the unempolyment office and pnc bank approve my card on her account. this needs to be fixed today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My XXXX year old mother, name withheld, of which I am Power of Attorney, was called by a " foreign '' man named Mr. XXXX on XX/XX/XXXX or XXXX, 2020 saying she had won the XXXX XXXX XXXX XXXX   jackpot prize of XXXX dollars and a new XXXX car. He called from a XXXX number, XXXX, and told her not to tell anyone. He said she had to pay fees to collect the prize money and had her go to various sites, XXXX, XXXX and her bank to purchase {$500.00} VISA cards. Mom put over {$3000.00} on her XXXX credit card, and at Bank of America deposited {$4200.00} into this another BOA account # XXXX XXXX XXXX, routing number XXXX XXXX XXXX XXXX XXXX. He also wanted her to go to a XXXX XXXX XXXX and put the same amount into account # XXXX XXXX XXXX, routing # XXXX XXXX XXXX XXXX XXXX XXXX, which she did NOT. 
On the second day, Bank of America bank teller recognized her and told her branch manager who caught what was going on and determined not to sell her any more VISA cards and called the police. No  report was filed by Bank of America nor the XXXX Police Dept which is required in order to file a claim against the bank or XXXX. I have tried unsuccessfully to get BANK to go " down the rabbit hole '' to chase down the receiving 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 2020-07-30 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: MoneyLion Inc.
State: GA

Complaint narrative:
-I had a credit builder loan with MoneyLion -I paid the balance of the loan off as well as some fees they said I owed on XXXX XXXX -On XXXX XXXX MoneyLion updated my credit report as me having a balance. 
-On My other 2 credit reports the account information has not been updated in quite some time. 
-After I paid this loan off. I am unable to close account or delete my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my XXXX  account to my bank account with PNC and PNC won't let it happen. This is the only bank account I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery LLC, In the earlier response regarding disputed account # XXXX have ignored my request to explain the following inaccuracies in violation of credit reporting and collection laws : 1. The highest balance on XXXX XXXX XXXX, XXXX statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. Last, but most important - address on the statements ( XXXX, Oregon ) is not my address. My address is in XXXX and previous address in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-30 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: IL

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My 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