vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I financed a pool through Wells Fargo. I was told it's a credit card and I would get the card and statement in the mail. I never received a card or statement. I called Wells Fargo over 20 times in a course of a year. I was told that a statement and a new card is coming, it's on online banking so statements are on there, they couldn't verify my information, they also mailed me late notices but couldn't give me a statement or account number, the escalated complaint team assigned me a case worker that promised to fix everything. Yet nothing was ever done. The final call where I spoke to someone was that he is going to personally mail me a copy of the statement that he printed out. Then reach out to the credit department for them to remove the late payment marks on my credit because of Wells Fargo mistakes. Again that never happened. I called the agent assigned to Me probably 10 more times after that and never got a returned call. Wells Fargo put me into collections now and hurt my credit even more. I never got the card or a statement the entire time the account was opened. They promised to correct the issues but never did. I think It's very unfair that they don't give a statement or even verify an account number so I can make a payment. Then when I don't make a payment penalize me because of it. I can't make a payment without an account number. Then they hit my credit for their mistake. They even admitted it's part of the contract that I receive monthly statements but i never did. 
Is there anything I can do with this situation.

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 2021-01-09 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX I purchased my vehicle on XX/XX/XXXX, from XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX. When I purchased my vehicle it was already a two-year-old XXXX XXXX XXXX. And the As-Is purchased price was {$15000.00} I made payments from XX/XX/XXXX, until XX/XX/XXXX. At the time of my accident, I had paid Santander {$22000.00} to Santander Consumer USA. I submitted my claim to my Gap insurance company XXXX XXXX XXXX XXXX ( XXXX  ). The GAP insurance should have paid the remaining balance of {$5100.00} but paid {$77.00}. XXXX dollars. And Santander has charged me {$22000.00} so far and now asking for an additional payment of {$5100.00} for my used, totaled vehicle XXXX XXXX XXXX. Of which was savage and paid off by XXXX XXXX XXXX paid over {$6100.00} shortly after my car accident. I was under the impression that everything was paid in full. I received harassing phone calls and statements through the mail from Santander Consumer USA. The problem is I paid Santander {$22000.00} more than the purchased price AS-Is- the price of {$15000.00}. The purchase in XX/XX/XXXX of a two-year-old vehicle was {$15000.00} they overcharged for the vehicle before it was purchased. I paid {$22000.00} already. And now they what me to pay an additional {$5100.00} after the vehicle was totaled on XX/XX/XXXX. And the insurance paid {$6100.00} and I had full coverage and GAP insurance. The GAP only paid {$77.00} because they stated my full coverage paid {$6100.00}. That does not matter if my insurance company paid their part GAP should have picked up what was due. And Santander should not be harassing me at all period? Please help me recover money if I can for the overpayment of the XXXX XXXX XXXX. I believed I was overcharged and there is some kind of law that protects buyers from being overcharged on used vehicles. As well as hold XXXX XXXX XXXX { GAP } accountable for making the necessary payments on my behalf. By paying the existing balance of the salvage, totaled XXXX XXXX XXXX vehicle. Can you have whomever you forward my documents to? Check for all wrongdoing on whomever part. I have enclosed all the documents in my possession on the XXXX XXXX XXXX. I can be reached by cell at XXXX XXXX and on my home phone at XXXX XXXX or by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED 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 2021-01-09 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: PA

Complaint narrative:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened an account with XXXX XXXX XXXX XXXX Synchrony Bank in XX/XX/2019. They were offering special finance rates or promotional purchases. They gave me a credit line of {$1000.00}. I used this to purchase a few different items. All the items were eligible for the special offer.

I faithfully made ALL payments on time. When the first balance was due ( 6 months ) or
pay for the accumulated interest, I paid off the balance for these items. Shortly there after the lowered my available credit to what current balance was at that time. In doing so that caused my credit score to drop almost 30 points! I had no other changes. No job loss, no other credit issued and no late or missed payments. I reached out to them to inquire as to the reason. Their response was " We occasionally monitor our clients credit to determine credit worthiness. '' It was not true, as my score had not changed prior to them lowering my credit line. I check my credit report weekly and know for sure that there were no changes. In fact my score had gone up since opening the account 6 months earlier. 

I understand that this is their option. However I am most upset since they " DID IT AGAIN '' 3 months later. They ALSO did the exact same thing to my Wife 's account.

We have both contacted them without any success or change in account status. Their actions have caused us both harm. It caused us not to get an auto loan approved and the inability to apply for a new job. I feel this is an unfair and predatory action.

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 2021-01-09 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 — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Between the dates of XX/XX/XXXX-XX/XX/XXXX someone used my business debit card to purchase $ XXXX {$7000.00} worth of high cost items. 38 charges for random products such as shoes, batteries, child face shields, dog boots and more. My account was taken down to only {$900.00} left in the account. I only realize what was going on when I started receiving these packages. Not once did the bank call me or freeze the account. They just watched someone continue to run charge after charge all day long mainly on XX/XX/21. Charges were not small items. Charges were XXXX, XXXX and more. I want this incompetence looked into. I am just a small middle class mom of 2 trying to run my own candle business. Im appalled at the lack of action of M & T bank. It took me months to grow the amount in that account by working 16 hours a day for the pay several months, just to have someone drain it in 48 hrs. I have contacted the police and filed a police report and I have also contacted the FBI. Whoever did this is having all of these packages ( 38 of them ) delivered to my home. It has been advised to watch my home as we are not sure if someone is watching my house to collect these packages if they can. I cant even begin to explain the emotional stress this has caused let alone the bank is only giving me back at this time 13 of the 38 charges. I am looking into further legal action against this bank as well.

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 2021-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
Ive spoken with Preferred Collections on 5 different occasions and have asked them to please verify who went in for service because it wasnt me. Each time they told me that they spoke to their supervisor XXXX and that she was going to escalate it and request information from the original creditor. Its been over 7 months and still no word or verification letter. On the 4th and 5th call it was disclosed to me that the person was treated at an unknown medical facility for a head fracture. Thankfully me and no one in my household has ever experienced a head fracture. On each call, no one ever disclosed to me the name of the medical facility. The last girl I spoke with, XXXX, suggested it was XXXX XXXX hospital because she had a doctors name and she did a XXXX search. I wouldnt take it as concrete information being that this medical visit took place in 2016. It bewilders me that this company is reluctant to delete this bill off of my credit being that they cant even verify that its mine and do not even know the name of the medical facility it came from. On the 4th call they disclosed to me for the first time a different bill which I verified that it was mine and I paid it immediately. Any help in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
In XXXX, XXXX, and XXXX I used the " Amazon Prime Store Card '' associated with Synchrony Bank ( acct. number XXXX XXXX xxxx xxxx ) to pay for my Amazon purchases and obtain a " reward '' of 5 % return of purchase amounts. When I stopped using the card, I had {$470.00} in rewards left in the account. Approximately 3 months ago, I received a form in the mail asking me to make a choice from several statements regarding that account. I selected the appropriate one ( I have not received a check nor cashed a check for the balance ), mailed the form in the envelope supplied, and waited for something to happen. Since nothing happed, I checked the balance in the account and now it was XXXX So I checked with Synchrony bank and was told they hadn't sent the form and that it must have been from Amazon. So, I contacted Amazon and was told that they could be of no help, since Synchrony Bank and not they managed the 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 2021-01-09 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA facilitated negligence, permitting a 12 month no activity credit card account to be compromised. A transfer of {$600.00} permitted willingingly by BBVA financial institution to commit Fraud, allowing a foreign Philippine currency transactions of {$18.00} transactions # XXXX from unknown foreign entity labled : XXXX-XXXX  on XX/XX/2020. Company is aware of dispute yet additionally charged interest of {$5.00} on known fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
HalSted : please stop all emails, calls, mail to me in reference to a credit debt with XXXX, ASAP! 
This is an old account that was addressed and resolved years ago with XXXX and XXXX credit card with commentiy capital bank. 

Any further contact on this bill, please contact your XXXX representative directly. You can also contact CFPB, as this issue was reported through to them, at time of issue and XXXX and their XXXX credit card XXXX XXXX XXXX, CHOOSE to did nothing to fix the fraud on my acct. 
All items I purchased through XXXX, were paid for in full during 1st month of order. XXXX XXXX XXXX XXXX credit card, chose to NOT to apply full paidments to my accts. XXXX refused to talk to me and and XXXX XXXX XXXX would do nothing to fix my account, refuse to send a copy on my acct to me, assign a rep. to review my accts ... ... on and on. This bank was reported to CFPB then, and all reports are public repord. Bank did not nothing to fix my acct. I CAN NOT make bank pay XXXX. 

I have over 10 complaints for XXXX XXXX XXXX XXXX credit card, for abuse of my account. XXXX was not interested in the problems then and did nothing. THIS ISSUE IS RESOLVED, as XXXX selected this bank to manage XXXX consumers accts. XXXX contracted with this fraudulent bank, this issue is now between XXXX and bank. 

Halston educate yourself with XXXX XXXX XXXX thru CFPB. This bank was/is found to be a major fraudulent bank, FACT, and has taken money for thousands of consumers. Stopped all contact with me on this bill. XXXX stop all attempt to post this false debt on me. XXXX your issue is with bank you contracted with, NOT ME. TAKE responsibility!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
The first known incident, occurs from an authorized account opened in XX/XX/XXXX in XXXX XXXX XXXX Nevada. Corporation name was XXXX XXXX. As of XX/XX/XXXX the debt was unpaid and thus issued to collections. The age of the victim at time of theft - was age XXXX. The victim whom of which personal information was used to process all of the following accounts, was born in the year XXXX. Clearly there was no authorization that was provided, NOR could they provide as a minor. 

The second known incident occurs XX/XX/XXXX, an online shopping account is made with company, XXXX. XXXX reports first purchase was made XX/XX/XXXX, resulting in a purchase amount of {$220.00}. As of XX/XX/XXXX XXXX then issues unpaid debt to collections. As of XX/XX/XXXX victim of identify theft, begins receiving calls regarding delinquent account. Victim believes to be scam and simply disconnects call. 

XX/XX/XXXX victim receives another collections call in reference to delinquent account with XXXX. 

XX/XX/XXXX XXXX then contacts XXXX to validate legitimacy of collection agency, and attempts to research any and all unauthorized financial transactions that have occurred. XXXX validates item purchased, date of account opening, and address associated. Call is is documented and recorded. 

XX/XX/XXXX Individual experiencing identity theft, then pulls credit report from XXXX and notices ANOTHER unknown delinquent account on report. Balance showing currently {$1100.00}. Collections agency company - Ad Astra Recovery Services. The date of issue to collections- XXXX. The company that of which the line of credit was issued, Rapid Cash CO. 

I am completely unaware of these transactions that of which are associated with my ssn and first and last name. I have contacted local sheriffs office and am going to be filing a policy report. I am under the impression that the individual using my information is my mother, and I have address, times, and dates that of which align with actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: FL

Complaint narrative:
On XX/XX/2020 I wrote this company and tried to disprove the issue with the company but he didnt respond him I had several account deleted from experience in XXXX XXXX that I would like these company to update a profile and correct any incorrect information and Im not, want to see any information without my signature on it verify any and all information verified I dont want to see any itemization data report from you guys company I would like to see the official document if you can not show me that then I willThe information to be deleted for my credit profile

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 2021-01-09 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: The CMI Group, Inc.
State: PA

Complaint narrative:
I am in the process of trying to fix this with the company. I sent a letter describing the situation to their complaint department on XX/XX/2021, I am waiting to hear back from them. My credit report has recently shown that I owe the amount of {$450.00} to XXXX XXXX. I do not. I have an account with them but it is not nor has it been delinquent. I would like to state that I believe my email address has been leaked on the dark web along with my name ( information my credit card company shared with me ) and I believe this is another person using my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Every month in 2020 select portfolio servicing has shown my mortgage payment 30 days past due. This is not correct, every month in 2020 I paid my mortgage. XXXX - XX/XX/2020 my payment was XXXX but them changed to a higher payment of XXXX for the rest of the year and from XXXX - XXXX I paid the higher payment each and every month. I have tried to get them to change this and they will not. This is really affecting my credit report. We have tried to refinance with another mortgage company but because of the false reporting on our credit report, no company will work with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: MT

Complaint narrative:
XX/XX/2021 : Netspend All-Access by XXXX sent me an unsolicited 'debit ' card with instructions to setup direct deposit and to activate my account. 

I did not apply for this account/card. 

To the best of my knowledge, I did NOT authorize any parties to distribute my information, or open accounts in my name. 

This company ( from internet articles ) is known for the practice of sending unsolicited 'debit ' cards to people after an account was opened by an 'affiliate '.

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 2021-01-09 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I am in the process of trying to fix this with the company. I sent a letter to them on XX/XX/2021 and Im waiting for a response. After finding out my credit score went down dramatically and my information was shared on the dark web, I checked my report and found false claims of debt. One was with XXXX the cable company saying I owed them a debt of {$230.00}. I have never had an account with XXXX so I know this is false and it is not 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