vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted Fifth Third Bank several times at the end of XXXX and beginning-mid XXXX to notify them that I had changed jobs and my payday cycle was being changed. I told them that I would not be able to make my XX/XX/XXXX mortgage payment until the end of the month. Additionally I received a letter from the mortgage company that an additional {$140.00} was needed because the escrow was short. I contacted the company several times, and was told " no problem, as long as the payment is made before the end of the month it will not be reported to the credit agencies as being delinquent. '' I logged on to Fifth Third Bank 's website on XX/XX/XXXX at approximately XXXX XXXX to make my regular monthly mortgage payment as well as the additional money needed for escrow. The mortgage company did not process my payments until midway through the first week of XXXX. Additionally they sent me a follow up letter stating that they did not know what to do with the additional money I had sent them. Fifth Third Bank reported me as delinquent to all 3 credit agencies, even though I made the payment before the end of the XXXX month. I had to make several phone calls to the company about what to do with the additional money I sent them. They could not find any record of a letter asking for this additional money amount. Then at the end of XXXX I received another letter from Fifth Third Bank stating that they miscalculated my escrow and wanted me to send them over {$2000.00} in the next 15 days to fix the negative escrow balance, or they were raising my monthly mortgage payment by over {$100.00} for 31 months to make up the balance! 

This company does not return phone calls. When I asked them to listed to my recorded conversations I was told they could not locate my calls. This was not a mortgage company of my chosing. My original mortgage company has been bought out and traded several times since originally getting my mortgage in XXXX. I have paid my mortgage every month, with the exception of when I was hospitalized for several months due to XXXX on my XXXX back in XXXX, and at the time Fifth Third Bank was not the mortgage company. I have always paid Fifth Third Bank on time, with the exception of this one incident in which I called to notify them of a change in my paychecks. 

I am a XXXX who has been a frontline worker all during COVID. Despite living through and working a pandemic I always pay my bills on time. I am outraged that Fifth Third Bank did this to me. As a result my credit has dropped from a XXXX to a XXXX. Fifth Third Bank is refusing to correct this, and I am hoping you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a RV Loan with US Bank that was initially in XXXX. In XXXX, US Bank offered its clients the option to participate in a COVID-19 deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, US Bank was unable to process a payment in XXXX, XXXX. US Bank indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. US Bank did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, US Bank did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. US Bank indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact US Bank during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I rent rooms through a XXXX housing service to nurse that needed places to stay during COVID when most places did not want to rent to them. In XXXX, I accepted a nurse to stay at my home in XXXX XXXX. The nurse paid me {$5200.00} upfront for a month of rent, a deposit, and for her travel arrangements. 

She sent me a check, which cleared at my bank on XXXX  XX/XX/XXXX -- meaning the money was in my account at XXXX XXXX XXXX. On Wednesday the nurse at first informed me that her contract was cut short and that she needed that part refunded. Then she said she had COVID and her contract was canceled at that I could keep the deposit, but she needed the money back. 

None of this was out of the ordinary. And with consideration to the hard times health workers have been facing, I did not want to add to her complications. She requested I send money through XXXX. I did not have this set up with XXXX XXXX, so I used my citibank account to make the transfers. 

Then on XXXX  XX/XX/XXXX, the money was pulled from my XXXX XXXX Account and they reported it as a fraudulent check. I then went through the process at Citibank of recovering my funds. Over the course of 3 months, I was promised various things from Citibank, most of all that my claim would be treated fairly. I was the victim of a crime and the XXXX XXXX Police department said that Citibank had an obligation to refund my money as they would be acting as a party to this crime. 

I tried everything, even corresponding with XXXX XXXX, the President of retail for citibank. At the end of it - they claimed they would not refund the money because of a fairness concern. The acknowledged that I had been scammed, but because they did not want to recover funds for others who had been scammed, they did not want to do it in my case. It was essentially my fault for using their service, which states there is some recourse for recovering fraudulent funds. 

This is completely unacceptable. They are a too big to fail bank that should certainly refund ALL MONEY that has been scammed by their customers. I would like your help in making sure they do not continue to aid scammers who are taking prey on people who are trying to help our vulnerable communities during Covid. 

I am owed {$1500.00} from Citibank - and I'm happy to provide further documentation. I have attached the XXXX Report. 

Best, 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 monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've been disputed the fraud bankruptcy on my credit report since XX/XX/2020. The bureaus have failed to continuously failed to provide verifiable proofs showing the bankruptcy is mine let alone even initiate the investigation for the dispute. 8 months into a 30 day process and I have seen no progress. The bureaus are blatantly violation my rights under the FCRA and seem to think that there would be no repercussions. This is my last choice before I start paying a lawyer instead of the post office for certified mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute with all three bureaus and they haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/XXXX I disputed a collection acct from XXXX XXXX XXXX. I asked to them to verify the account was mine. They sent me a bill of a Walmart account that is not mine. I asked them to delete it. 

XX/XX/XXXX I dipsuted a collection acct from XXXX XXXX XXXX. I asked to them to verify the account was mine. They sent me a bill of a Walmart account that is not mine. I asked them to delete it. This is really hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I noticed my app had the wrong name when I logged in to the account. The Statement, social security number, and all other identifying information was correct but the Name identifier was incorrect. Reached out to Bank of America to have this resolved and they sent a letter with the wrong name addressed to the wrong person to have the account be signed back to me. The account was never in that persons name nor is assigned to them. Upon calling back on XX/XX/21, no one could explain how this even happened. They have no documentation of the name being switched incorrectly and how this would have occurred. They stated they would have to look further into it and have someone get back to me which no one has.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I purchased a car from XXXX XXXX in XXXX, Maryland on XX/XX/XXXX. The dealership unfortunately did not track the first payoff for the XXXX financed by Bridgecrest sent on XX/XX/XXXX and sent the payoff to a Bridgecrest address but not the payoff address. Bridgecrest has no procedure on how to locate and process payoffs sent to the incorrect location. Additionally, when the dealership overnighted the second payoff to Bridgecrest on XX/XX/XXXX, Bridgecrest informed they're not obligated to process the payment for 1-2 business days. Bridgecrest received the payoff XXXX XXXX on XX/XX/XXXX. Bridgecrest stated the payoff needed to be posted by the XXXX to avoid the mark on my credit. Although Bridgecrest received the payoff on the XXXX, nothing was done with the payment until XX/XX/XXXX and posted XX/XX/XXXX. Bridgecrest stated they do not backdate payments to the date received. On XX/XX/XXXX I received a credit alert stating Bridgecrest marked my credit report 30 days late for the loan. Overall, Bridgecrest will not work with the dealership to rectify the mark on my credit as this is not an error on my part. Bridgecrest 's inability to correct an error that is not a direct result of the consumer 's negligence impacts me financially as my score has dropped XXXX points since their credit report update. My score drop can potentially have financial impacts to me as a result of higher priced loans, reduction in my available credit, and denial of financing in a time that it is critical to have life lines during the pandemic. Bridgecrest 's refusal to assist correct this error is unreasonable. 

Attached is the copy of the first payoff check and the tracking number for the second payoff check. Bridgecrest has a copy of the second check sent XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been in constant contact with XXXX regarding a charged off account reporting past its statue of limitations and should be removed from my credit file. I have disputed this account with all credit reporting entities as well as the original data furnisher, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow up on CFPB cases XXXX, XXXX, XXXX. 

The cases I opened have been closed without addressing root cause. 

I requested stop payment on checks returned by XXXX directly by postal mail instead of sending them to bank directly. 

They were not processed, but I rescheduled payment to XXXX that was processed without funds in my account. 

I transferred funds into my account at XXXX XXXX IST on XXXX XXXX as I am in XXXX now, but it wasnt credited yet by wellsfargo until XXXX XXXX 


Account : XXXX The electronic funds transfer ( EFT ) from your XXXX account to your WELLS FARGO BANK NA checking account ending in XXXX in the amount of {$450.00} was processed on XX/XX/21. No further action is required on your part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Debt in question is from XXXX XXXX XXXX XXXX account # XXXX. This account has been removed from off both my XXXX & XXXX Credit report for several years now. The problem Im facing is Experian has continued to report this account for several years now. Even after I have proven this account was fraudulent. But now the account is still reporting even after the time frame of 7years to report a delinquent debt according to FCRA rule FCRA 623 ( a ) ( 5 ) ( A ). Im asking Experian will you please finally remove this account you dont have to ask XXXX XXXX to verify anything anymore. It is your companies duty to remove any out dated negative information off my credit report with in XXXXyears immediately thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am very stressed out because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am very stressed out because I do not recognize these accounts. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: KY

Complaint narrative:
Re-opening Complaint XXXX, as it was closed without being resolved. 
Mortgage company won't release my unpaid funds This loan was paid off XX/XX/XXXX, and I still haven't received my escrow balance, as of XX/XX/XXXX. 
Amerihome Mortgage keeps saying the check is in the mail, and to just wait longer. No solutions, just wait longer. 
The check keeps getting 'lost in the mail ', as the company refuses to send the funds through a service with a tracking number, or to wire the funds. 
They have issued three checks that have not made it to my house. 
After filing my initial complaint, I was given a phone number to contact the respondent at Amerihome, but it was a voicemail that is never checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Per court order in the divorce degree I am no longer responsible for the mortgage loan. But it still shows up under my name on my credit 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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A couple of years ago, I had a catastrophic event that prevented me from paying my XXXX XXXX bill. They quickly snowballed my minimum payment amount to well over {$1000.00}, which wasn't feasible when I couldn't even make the regular minimum payment. 
I called several times to try to work with them, but they wouldn't accept a lower payment. Finally they transferred me over to internal collections, who breezed through three different payment plans, discouraged questions, and refused to send me anything in writing, telling me that it was a " one-time offer. '' I refused to agree to anything without being given something in writing beforehand, so she hung up on me. 
I then found out that XXXX reported me as deceased. I have tried to contact XXXX to correct the issue, and I have reported the error to Transunion and XXXX, but I have not been able to remove the " Deceased '' designation from my file. This has resulted in multiple negative impacts - making it difficult to resolve accounts, only being able to qualify for a ridiculously high interest rate on a car loan, and being denied a secured card to help improve my credit scores.

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