vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XXXX of 2020 my reliabank card was activated without my knowledge or permission. A total of {$6800.00} was stolen from my account. When I called reliabank to file my complaint I was given the wrong card id number to put on all paperwork and police reports. The mistake was caught after nearly 90 days. I was given the correct card id number which I included when I re faxed all the documents. I still have not been reimbursed and was told today that it could be another 45 to 90 days before I get my money

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 2020-11-19 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: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
In XX/XX/2020 the COVID19 virus became widespread and there were major shutdowns in NJ that caused our household income to drop by more than 60 %. I requested a forbearance on all mortgages for my house in XXXX, NJ. I spoke to a representative at Specialized Loan Servicing and they told me the forbearance would start in XXXX and would last for six months. It turns out that they only applied it for three months and in XX/XX/2020 I received a report on my credit stating that the account was delinquent and my credit score dropped nearly 100 points. I contacted SLS and they stated there was nothing they could do about it and that the forbearance was only three months. They also claimed to have reached out to me when the period of three months was done by mail and by phone. I received neither a message on my phone or any written letter with this information. Realizing that I would not get any help from SLS i requested to continue the forbearance and that a supervisor contact me. They stated that they would have a supervisor contact me within 48 hours and no one from SLS ever called me back.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I randomly received a notification of a new hard inquiry by the store XXXX XXXX, when that obviously wasn't me. This was today on XX/XX/20. First I reached out to customer service of XXXX XXXX, which they told me they can't do much unless I reach out to XXXX XXXX credit card customer service and get a letter from them. So I called them next, gave them my social, which they told me they don't even have a application from me with my personal information. I even called XXXX  customer service to see if I can speak with them, since my XXXX credit report wasn't updated with the new hard inquiry, but couldn't succeed reaching a actual representative. So I called back for XXXX XXXX customer service and explained that XXXX XXXX must have just made a mistake and explained to them what I did. I at first didn't mention that my wallet was stolen on Monday,XX/XX/2020 because I didn't think at first that had something to do with this, but felt I should say it because obviously my wallet had everything in it, such as ID, etc. I was then asked did I make a police report, which I tried to because not only was my wallet stolen, but my car was broken into. Still to this day the cops haven't called me back to do a actual report and find who did this, so I was left with the option to get in contact with you guys by the representative at 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 non-monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
I called my mortgage company back in XXXX after I realized that they have not been reporting to the credit agencies. I was assured it would be escalated and it would take one month for it to cycle and show up. It is still not on any credit reports. I was previously with DITECH back in XXXX and New Rez hasn't been reporting anything since I have been transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Best Capital Funding
State: CA

Complaint narrative:
Were to start ... well I have already file a complaint because Best Capital Funding did not cancel the purchase of a property on time it took them 4 months to cancel this. Even though XXXX had promised me that he was going to work with me to unwind the purchase and do it right he never did. Her never follow up to let me know how things were going. When I realize they were not trying to do anything I contacted XXXX XXXX the XXXX of the company. He was very rude and told me that he didnt care what XXXX and XXXX XXXX his agent had promise me that the only thing he could do at the moment was to payoff of the loan. Which was done after all the pressure I put and after receiving the complaint from the credit bureau. I took the Settlement that they offer, but first they were requesting for me to remove the complaint that I had file and to sign a Release of Claims document. XXXX XXXX another agent of Best Capital funding had email me with that request and had mention that I would receive the copy of the reconveyance from XXXX which might take 21 days but he was trying to rush it and I have not receive anything until this day. That email he sent me with that information was on XX/XX/2020. I thought that everything was fix, but according to the county of XXXX my name is still not removed from them properly since they have not file this document and the title company has not received it. I been emailing and calling Best Capital Funding since XX/XX/2020so that they can provide me with the full reconveyance and the prof of the how they paid of the loan I have not heard back from them. Today XX/XX/2020 I call the XXXX XXXX XXXX and he said that he was going to email XXXX that he couldnt provide me with the prof of the payoff and he hung up the phone. He was very rude. This situation is unethical, stressful and draining. I dont understand why they make it so hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: PA

Complaint narrative:
I was denied credit I checked my report and notice accounts that I believed it was not mine. I emailed & sent a certified letter to XXXX XXXX disputing the validity of three accounts and requested statements. XXXX XXXX ignored my dispute and did not even investigated the dispute, then they could not even verify my address that's when I came to the conclusion these accounts were fraudulent.

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 2020-11-19 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: PA

Complaint narrative:
I was denied credit I checked my report and notice accounts that I believed it was not mine. I emailed & sent a certified letter to XXXX XXXX disputing the validity of XXXX accounts and requested statements. XXXX XXXX ignored my dispute and did not even investigated the dispute, then they could not even verify my address that's when I came to the conclusion these accounts were fraudulent.

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 2020-11-19 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:
After taking a look at my credit report, I found an account that isn't related to any transactions done by me and I have no knowledge of this account. This is an error or a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2020 I paid {$450.00} for my XXXX payment that was due on XX/XX/XXXX. I am trying to pay off my bills as quick as I can because of the uncertainty of the economy, I don't want to not have money to pay my bills. So on XX/XX/XXXX, I went back online and paid another {$750.00} to my credit card for the XXXX payment. Now I get a notice that they are charging me a {$29.00} late fee because the XX/XX/XXXX didn't count for the XXXX payment. Seriously? So by doing good and trying to pay my bills, they are penalizing me {$29.00}. This is fraud and bad business. The agent told me I paid too early. 

Yeah, sorry for paying too early, unlike your other customers who probably just stopped paying their bills.

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 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
XX/XX/XXXX : I contacted XXXX XXXX regarding a refinance, I was upfront about previous late payments. XXXX told me to make all payments on time for 1 year then apply. 
XX/XX/XXXX I made ALL payments on time for 1 year, contacted XXXX XXXX, started the process for a refinance and filled out all paperwork, including credit application. XXXX ran my credit and I sent XXXX my bank statements. 
XX/XX/XXXX XXXX sent me an email asking if I have any reserves besides my current money in the bank. I responded clearly no and asked clearly if that was a problem. XXXX clearly responded in writing " No, you're good! '' XX/XX/XXXX XXXX stated the time to close would be 2-3 weeks. 
XX/XX/XXXX XXXX sent me an email telling me I do not qualify for the loan because I do not have more cash reserves despite clearly telling telling me it is not an issue on XX/XX/XXXX. She offers to try to do a FHA loan ( which she gets to take fees ) and then in 6 months switch again to a no FHA loan ( which she would get fees again ). 
XX/XX/XXXX I told her I feel this is bait and switch, she knew my payment history, and had all of my financial information now she is offering to process 2 loans in 6 months. I felt it was unethical of her. She clearly told me that reserves were not and issue. XXXX responds telling me it was my payment history that is making that requirement. 
XX/XX/XXXX I responded to her telling her she was aware of my payment history and my reserves more than 30 days ago and there was no issue, to then bring it up as an issue and offer me to pay TWICE because she was not honest and up front I felt is unethical. 
XX/XX/XXXX I made a complaint with the BBB and wrote company executives for Golden Empire Mortgage. No response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Nelnet, Inc.
State: IL

Complaint narrative:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: NJ

Complaint narrative:
In XXXX of 2020 the COVID19 virus became widespread and there were major shutdowns in NJ that caused our household income to drop by more than 60 %. I requested a forbearance on all mortgages for my house in XXXX, NJ. I spoke to a representative at XXXX XXXX XXXX and they told me the forbearance would start in XXXX and would last for six months. It turns out that they only applied it for XXXX months and in XXXX of 2020 I received a report on my credit stating that the account was delinquent and my credit score dropped nearly 100 points. I contacted SLS and they stated there was nothing they could do about it and that the forbearance was only three months. They also claimed to have reached out to me when the period of three months was done by mail and by phone. I received neither a message on my phone or any written letter with this information. Realizing that I would not get any help from SLS i requested to continue the forbearance and that a supervisor contact me. They stated that they would have a supervisor contact me within 48 hours and no one from SLS ever called me back.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Nelnet XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have placed dozens of emails and telephone calls about lowering our car loan from the Bank of America to {$500.00} per month plus increased interest because my beloved wife XXXX and I are senior citizens of advancing years with very serious health problems that put us at HIGH RISK in the novel coronavirus pandemic. This means we can not work. 

I have repeatedly emailed and telephoned Mr. XXXX XXXX of the Bank of America branch in XXXX, New Jersey and have called the 800 car loan number and have spoken to XXXX who also works in the XXXX branch for a reduction of the loan payments to {$500.00} per month. 

The Bank of America refuses to answer my request and these is after more than three ( 3 ) weeks of my retesting that it lower the loan payment per month. 

The Bank of America is being cruel by denying my beloved wife who is co-signer and 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 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I LEFT FOR A TRIP ; IN XX/XX/2020 caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. They then ran hotel fees and caused reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
I have noticed incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX BANK ACCT XXXX I have not re ceived this transfer. It was not reported on my account. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX MBA PhD XXXX  XXXX  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 2020-11-19 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: U.S. BANCORP
State: IL

Complaint narrative:
This account was fraudulently opened and maintained. I've contacted the company and communicated with them that it was fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
My complain concerns the service provided by the Citibank, branch - CITI SECURITIES SERVICES OPERATIONS XXXX. 
On XX/XX/2020 I made an international wire from my XXXX XXXX  account in the XXXX ( XXXX ) to the XXXX XXXX ( XXXX ). The transfer went via the correspondent banks - XXXX ( XXXX, XXXX ) and Citibank ( US ) - to the beneficiary bank in XXXX. On XX/XX/XXXX the funds were not delivered to the beneficiary and I initiated the investigation through the XXXX client service. The correspondent bank XXXX presented the proofs that the funds were sent to the Citibank that should have sent them farther to the XXXX XXXX with the particular SPEI number. { SPEI is an electronic funds transfer system owned and operated by XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX. This system was developed to facilitate payments between financial institutions, in addition to enabling them to offer safe and efficient retail payment services to the public. } I provided XXXX instructions and the SPEI number to the XXXX to make the investigation possible from the side of the beneficiary bank. However, the beneficiary bank couldn't find the funds with all these data. Moreover, the database of SPEI number managed by the XXXX XXXX  XXXX  XXXX  doesn't contain this SPEI number provided by the Citibank. The XXXX investigation team requested the confirmation of transfer from the Citibank. There was no response. 
On XX/XX/XXXX I requested the recall of the transfer from XXXX. The bank launched the recall procedure by contacting the correspondent banks and the beneficiary bank. The Citibank was the only bank in the chain that didn't respond to the XXXX. As a result, the funds are still not found, the Citibank doesn't support to do the investigation. 
I am not entitled to apply to the Citibank as I am not a client.

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 2020-11-19 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: FL

Complaint narrative:
We are trying to get in contact with the mortgage company but the company does not have a valid phone number anywhere and they are not able to work this out. We have shown multiple late payments on the credit report only from one bureau hurting our chances of better options in our refinance for a VA loan. We need this correct as soon as possible to be able to save on the interest rates that are available right now. We even received an affidavit from the military giving voluntary surrender of the property due to my health conditions which Oriental received and should not be reporting this information. Please see images attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
There was a hard inquiry on my credit report from XXXX, I reached out about what it was for. I was advised it came from Bank of America Mortgage loans, but I never submitted any information to Bank of America. I was unaware that my credit was impacted from this fraudulently unauthorized report until I recently checked 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