vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
After 167 days since application to refinance our existing mortgage with Wells Fargo, we received a form letter on XX/XX/XXXX stating they were declining or application because the no longer offer the program for which we applied. Up until now, we've had our closing date communicated to us numerous times - always sliding backwards without any explanation. The last we were told, we would be closing on XX/XX/XXXX. No one called prior to us receiving the letter. I had to reach out to them for an answer. 

I talked with someone who I had previously spoken with in the Customer Care Group who said that they could no long accept the type of appraisal they ordered - one that would have been acceptable had the loan been handled in a timely manner. Aside from that, she indicated should would not be able to give me any more information until she had time to review the file and that she would be back to me by XX/XX/XXXX. 

This process has already cost us several hundred dollars. They have been stringing this process along to a point that now we have to start over again because Wells Fargo has an employee performance problem and they lack the necessary internal controls to alert their management to problems in processing credit applications in a timely manner. 

This has had an adverse financial affect on us and Wells Fargo is not willing to assist us unless we reapply and start the entire process over again. 

Regarding my previous CFPB complaint, I received one phone call assuring me they would look into the matter and then 2 voice mails saying they were still working on it. I called my contact twice last week but she never returned my call. I called her again this morning after receiving the letter. She has not returned my call. 


Previously reported : We applied with Wells Fargo to refinance our exiting mortgage with them on XX/XX/XXXX. All of the required documentation has been submitted. Since application, our appraisal and credit report have expired. In addition, our rate lock has expired. Wells has offered little to no explanation as to the delay. Our loan officer escalated our complaint but we still are receiving very little information. we would expect the loan to take 45-60 days to close in our situation - existing customer, financing 1/2 of the property value with no cash out, excellent credit. Since the loan has taken longer, we've paid Wells Fargo an additional $ XXXX/month in interest ( income to them ). It seems they are not inclined to get this loan closed in any reasonable amount of time. I also expressed my displeasure of them having to pull another credit report since that will affect our credit score. They seemed unconcerned.

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 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please update my credit balance in credit report which I paid in full XXXX/XXXX  XXXX  account number XXXX ballance {$0.00} Date opened XX/XX/2016

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 2020-07-13 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: FL

Complaint narrative:
Please update my credit balance in credit report which I paid in full XXXX/XXXX  XXXX  account number XXXX ballance {$0.00} Date opened XX/XX/2016

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 2020-07-13 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:
XX/XX/XXXX, XXXX XXXX XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to XXXX, XXXX  and Transunion. This is not 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 2020-07-13 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: GA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX  XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to Experian, XXXX and XXXX. This is not 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 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION
State: TX

Complaint narrative:
I recently sold a property and the mortgage company took a payment out of my bank account the next day after we closed on with them. I called and they said they would put the bank draft in the mail with a check and that was the XXXX of XXXX. Today I got a letter saying the check was refunded and no check enclosed. Called them and they said no check was enclosed as they put the money back into my account. I explained that I had the bank account open online and they did not. Then they said that I would not get my money back for 20 days?? Asked to speak to a supervisor and that wasn't happening. 

West Star Mortgage Corporation XXXX XXXX XXXX XXXX XXXX, NM XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/2017 i was hit with a 30-59 late payment on my barclays credit card due to a yearly fee that i was unaware about.

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 2020-07-13 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a TD bank Visa. On XX/XX/2020 I was charged XXXX for a purchase at XXXX XXXX - a coffee shop- at the XXXX XXXX. I was not at the airport that day and did not make any purchase at this establishment. TD bank insists that I did, but as of today ( XX/XX/2020 ) has not been able to tell me what I allegedly bought. This charge on my account is either fraud or a mistake in processing by TD bank. 

TD bank says that they conducted an investigation, but can not provide me with a receipt that details the {$160.00} charge. Additionally, they are charging me interest and late payment fees on the disputed charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MidAmerica Mortgage Inc
State: CT

Complaint narrative:
The closing on the house we sold was on XX/XX/2020. The loan was over paid by {$8600.00}. According to my lawyer, the mortgage co : Mid America Mortgage had 30 days to refund the over payment. Today is XX/XX/XXXX, 90 days later and we have not received our money. I had spoken with them multiple times over the last 60 days and each time I am assured we will receive our refund ; this way or that way. I feel I am getting the run around and they have no intention of returning our money. My husband and I are both retired and on a fixed income. 

Mid America Mortgage loan # XXXX for property at XXXX XXXX XXXX XXXX. XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My 3 accounts with the bank were closed on XX/XX/2015. 
My savings account was closed with a balance of {$2000.00}. 
My checking account ending in XXXX with a balance of {$2700.00}. 
My checking account ending in XXXX with a balance of {$16000.00}. 
The funds were not returned to me after my accounts were closed. 
I went to the bank 's branch on XXXX and XXXX XXXX to get an explanation for the bank 's seizure of my funds. No explanation was given to me, instead I was given this number to call for information XXXX. I called that number repeatedly in XXXX and XXXX and nobody would take the call. I may have left a few messages on the answering machine. 
Meanwhile my friend, who had sent a wire transfer for {$16000.00} from XXXX, was skeptical when I told him what happened without showing him a letter from the bank indicating reasons for the closures. The money was intended to pay for used auto parts to be shipped to XXXX. 
I retained the services of an Attorney on XX/XX/2015 to assist in the resolution of this matter. He wrote a letter to the bank demanding a return of my funds. The bank refused to return my funds. The following attachments will tell the rest of the matter

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 2020-07-13 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have 2 late payments reported. C=During the Covid Pandemic my  school loan should be deferred or in Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
I had a VA mortgage loan with Veterans United Home Loans. The lender recently sold my mortgage loan to another company. I did NOT receive information of the sale of my loan until two days after the sale and transfer were finalized. I did NOT receive information regarding the sale 15 days or more, prior to the completion of the sale. I am also being charged an additional {$1300.00}, by the new lender, for late fees that had been paid up months ago with Veterans United Home Loans.

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 2020-07-13 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 applied for a XXXX XXXX Credit card a few weeks ago and I was not approved now today XX/XX/20 I received a letter in the mail stating the reason why I was not approved was because there are many accounts in negative standing appearing on my credit report. I looked through my credit report because I wasn't aware that there were negative accounts on my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way. I did not allow any of these accounts to be opened in my name nor did I gain anything from them being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these accounts. I have already filed a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I have received several phone messages from a phone number starting with area code " XXXX, '' both at my personal cell phone number and at my direct work line. I have not returned any messages as each voicemail was extremely vague and was suspicious. Today I received a memo from a co-worker to return a XXXX XXXX 's call at XXXX XXXX. I returned the call immediately, the phone was answered with the salutation " loss mitigation, '' and I asked for XXXX XXXX. XXXX XXXX came on the line and said he had to " gather some paper work for a complaint lodged against [ me ] '' with claim number XXXX ( I wasn't able to get the rest of the numbers and he did not repeat them when I asked XXXX. He said he was from the legal department of a company called HFS and wanted to verify my identity, he then proceeded to read out my entire social security number and my address and said " is this you? '' I was completely flabbergasted at this company 's lack of information protection practices and XXXX continued to badger on through the conversation and said " good, this is you. '' He then said they were retained by XXXX regarding a debt I had and a judgement they wanted to pursue against me. I was not able to get a word in edge wise because XXXX continued to talk over me in an extremely threatening manner, he also mentioned a company called XXXX XXXX which I wrote down but again, he was talking right over me and would not repeat anything I asked him to, so I have no idea what he said regarding that company. I advised XXXX to please have XXXX proceed with any legal proceedings they deemed necessary and asked to please not be contacted at work. He then proceeded to threaten me and said that my work was already involved because I would be garnished 25 % of my pay, along with several other threatening tactics meant to intimidate. He then terminated the phone call after saying that " If all [ I ] wanted to do is argue, [ I ] could end the call. '' I am extremely disturbed by these collection practices which are so far beyond illegal and would like this to end immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: AZ

Complaint narrative:
I applied for a XXXX  XXXX Credit card a few weeks ago and I was not approved now today XX/XX/20 I received a letter in the mail stating the reason why I was not approved was because there are many accounts in negative standing appearing on my credit report. I looked through my credit report because I wasn't aware that there were negative accounts on my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way. I did not allow any of these accounts to be opened in my name nor did I gain anything from them being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these accounts. I have already filed a police report regarding these unauthorized accounts.

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 2020-07-13 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: AZ

Complaint narrative:
I applied for a XXXX XXXX Credit card a few weeks ago and I was not approved now today XX/XX/20 I received a letter in the mail stating the reason why I was not approved was because there are many accounts in negative standing appearing on my credit report. I looked through my credit report because I wasn't aware that there were negative accounts on my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way. I did not allow any of these accounts to be opened in my name nor did I gain anything from them being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these accounts. I have already filed a police report regarding these unauthorized accounts.

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 2020-07-13 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: MI

Complaint narrative:
I had left XXXX XXXX on XX/XX/2018, I had no contract with them and actually paid in advance for services ( cell phone ). I ended my services with them on XX/XX/2018, and received their final bill on XX/XX/2018, ( USPS ) which shows a credit balance, however, I never received the credit but no matter, I attached a copy of the last bill they sent in XXXX as well as an invoice with my new provider I was done with this company, a had to call a number of times, wait times longer than an hour, I just had enough, if you check your records they were actually sued for invoicing problems over billing! I have sent a record of the final bill I received from XXXX XXXX on XX/XX/2018, and the bill from my new provider that took over my services from the same day I ended from XXXX XX/XX/2018, why in the XXXX are we still arguing about this? I did my part and if you have a problem in believing me why don't you google their complaints online, that in itself should end this agony I have been dealing with since 2018.

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