vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I logged into my Wells Fargo Credit Card account and discovered fraudulent charges being made against my card that presented as XXXX subscriptions. Upon further investigation I found these charges to be going back to XXXX of XXXX, which at the time is as far back as I can see. I also checked current rates with XXXX memberships and the amounts do not lineup so I doubt these are in fact XXXX subscriptions. 

I contacted Wells Fargo to report the fraud and request older statements to ascertain how far back the fraud charges went and if there were any other. In my conversation with their representatives when I asked why I was never mailed a new card when the one I was in possession of had expired in XXXX of XXXX I was told there was a bad address notice on my account. When I asked how an expired card could have been used for the charges I was told they would have just kept trying combinations of dates until one worked, suggesting at no point would their security have blocked the attempts or notified me.

Two weeks later I had still not received the statements nor the new card so I called back. This time I was told the card had been mailed out in XXXX and in fact returned by the post office, triggering the bad address note, and they had simply extended the expiration date of the existing card but never attempted to contact me. 

At this point I am still waiting for the now third replacement card to be expedited as well as statements of activity from XXXX to current so I can determine the scope of the fraud. I have made it clear to the agents at Wells Fargo that I suspect somebody within their organization stole my original new card in XXXX of XXXX and began using it illegally, and that the alternative is that they have absolutely zero security measure in place to prevent fraud and would allow the most basic of attacks. 

I find it insulting that at no point did they attempt to contact me when after my mother died and the account was 30 days past due they called me immediately. It seems blatant that their only concern is receiving their money and not their customers at all. 

Unfortunately at this time I do not have the exact amounts or dates as I currently do not have access to my account online nor any of the paper work I have requested. I am submitting this complaint now and will update with all relevant dates and amounts of charges as soon as I have them in my possession.

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 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AR

Complaint narrative:
I submitted a prior complaint with NATIONAL CREDIT ADJUST inaccurately on my report. I request proof of a signed agreement or any other documentation to validate the information being reported was indeed mine. Attached is a copy of a said signature which is clearly not mine.. that appears to say XXXX or something of that sort. Along with consumer name being XXXX XXXX which is as well not me. This will be my finally warning that if it can not be validated properly, in addition the information XXXX  is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint. If I need to contact an attorney for further legal actions I will do so if not removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a checkin/savings account online depositing {$150.00} with BBT. The bank closed the account. I have called them multiple times & gone to the branch a few times, but have not received my initial deposit of {$150.00}. I have proof that the money was deposited from my external bank 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 2021-06-18 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX of this year I applied for a loan from XXXX XXXX XXXX  XXXX because I wanted to purchase a home in Florida. It was then that I realized that Synchony Bank which is affiliated with Amazon Store Credit has sent the wrong information to the three credit bureaus ( XXXX, XXXX XXXX and XXXX ) stating that I am 120 days past due with this store account. This left a negative impact on my credit score and for the bank to give me the amount of money that I need to purchase a home. I have never taken out an account with Amazon.com store. After I got in contact with Synchony bank, I was sent a form to fill out my request and send back to the credit bureau specialisr ( XXXX XXXX ) This department received my letter of request on XX/XX/XXXX. Today, XX/XX/XXXX, I called Synchony bank at XXXX XXXX  to inquire about my request. A representative of the bank ( XXXX XXXX XXXX ) said that I should dispute my concerns with the Credit Bureaus. All credit bureaus said that I do not have an account with this bank. I am requesting your help in resolving this 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 non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I have asked Barclay several times to lower the interest so that I will have an ability to pay for the credit card. I have been in the hospital twice and can not see them working with the situation we are in. in fact the rates have gone up. This is how they make money but the high interest is not the plan of our country getting out of debt. I see no benefit to this kind of behavior on their 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 2021-06-18 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: MD

Complaint narrative:
Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report. XXXX is not Reporting a 30 day late payments 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 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC
State: CA

Complaint narrative:
XX/XX/2021 Dear Sir or Madam : On Monday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX a collection company - ( attached ) concerning a debt that I supposedly owe to XXXX Bank. There is a secondary collection company named Capital Link Management who is also named as a debt collector. 

Both of these collection companies have received numerous complaints against them for various violations of the Fair Debt Collections Practices Act. 

I have tried calling the number on the letter to find out what this is about but no one picked up the phone. I was only able to leave a message. However, today is Friday, XX/XX/XXXX, and I still have not received a phone call back. 

This concerns me because I have never heard of any of these companies before. Not XXXX Bank nor Capital Link Management noXXXX XXXX XXXX XXXX XXXX And as such, I have never had any dealings with them let alone owe them the money they claim I owe them I am contacting you to let you know that all of these companies are obviously conducting fraudulent actions against me and I ask that you take a hand in the matter. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This debt collector is reporting that I owe a debt to them from 2019. I dont have any owed debts to this company and its a violation of my rights for them to be reporting incorrect information to the credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
On XXXX XXXX I received an order form from XXXX  ( XXXX ) for an XXXX and XXXXXXXX XXXX XXXX, Being a XXXX year old woman, I don't have any idea what this is. 
In addition, it was to ship to XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. This is definitely not my address, but is the address of a hotel. 

Shortly thereafter, I received an email from Citizens One congratulating me on the purchase of XXXX XXXX and they had set up my account ( XXXX ). I discovered they had done a hard inquiry on my XXXX  credit report. I never authorized them to request this report ; nor did I request or authorized such a loan. 

I believe this is some form of a scam and I never received any merchandise and certainly will not be paying any money to Citizens One, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Hello, I refinance my mortgage w Home Point Financial Corporation ( HPFC ) in XXXX. I have been paying my mortgage money where paymnt is electronically taken from my back account w XXXX XXXX XXXX XXXX. 

XXXX stated that I did not pay my XXXX 's mortgage. It was reported to the credit agencies and I've been notified that my credit score has dropped over 100 points. We are now nearing the end of XXXX and HPFC has yet to find where my payment went. Countless phone calls and emails w proof of drafted transactions from my online bank statements, and fax of proof from my bank to HPFC all proved useless.

HPFC 's response is, " please give us 30 to 90 days ''. I can not wait 30 to 90 days for I am in the process of searching and buying a second home and has been affected greatly.

Even after I sent them everything I have, including my bank faxing them, HPFC is still emailing me asking for me to provide my check # etc. I TOLD them ut was electronically drafted from my bank acct. My bank and I sent them proof. I question tbe competency of this company and find myself stressing unnecessarily due to the companies neglect. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: FL

Complaint narrative:
I am a victim of identity theft and have communicated to the credit bureaus and creditors with no resolution. The accounts have remained on my credit despite affidavits and multiple tries to have this resolved with the credit bureaus. The following accounts have remained on my credit report. 
1.XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.XXXX  XXXX 6.XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXX 9.XXXX XXXX XXXX XXXX CREDIT UNION XXXX PLEASE help me resolve this issues and remove these fraudulent items from 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 2021-06-18 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:
I am a victim of identity theft and have communicated to the credit bureaus and creditors with no resolution. The accounts have remained on my credit despite affidavits and multiple tries to have this resolved with the credit bureaus. The following accounts have remained on my credit report. 
1XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5XXXX XXXX 6.XXXX  XXXX  XXXX XXXX 7XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXXXXXX 9.XXXX  XXXX XXXX 10.XXXX XXXX XXXX XXXXXXXX PLEASE help me resolve this issues and remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: BARCLAYS BANK DELAWARE
State: WY

Complaint narrative:
Letter submitted to Barclays : To : Barclays Card RE : Case ID : XXXX Unauthorized charge of {$110.00} from XXXX XXXX charged on XXXX to my card ending in XXXX. 

Dear Sir or Madam : I promptly submitted a dispute on Barclays website to this unauthorized charge. I received a letter dated XXXX XX/XX/2021 from Barclays telling me they could not pursue the dispute because they had not received from me documentsallowing us to pursue credit from the merchant.

I called Barclays customer service number given in the same letter to inquire as to what documents they needed. I did not receive answer that made any sense whatsoever. To be frank, it seems that this request for documents is simply a way for Barclays to shirk its responsibilities under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act, which protect consumers from unauthorized transactions. Whats more, the documents requested are seeking a paper trail of something that does not exist, since there was no authorization for this charge. I have spent an unimaginable amount of time on the phone trying to get this resolved, with no success, and the complete unavailability of billing specialist or supervisor at Barclays.

Although I have tried to contact the Merchant, they are unresponsive and require that I set up a new account with them in order to have any contact with them. There is no phone number for the merchant at allno mailing addressand no way to contact customer service. Spend some time on the XXXX website and you will see what I mean. 
Please help me help Barclays to meet their obligations under Federal Consumer protection laws by covering this unauthorized charge without further action. 
Respectfully, XXXXX Cc : Consumer Financial Protection Bureau. XXXX XXXX  XXXX XXXX, Washington, DC 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 2021-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase without warning, explanation or help resolving stopped sending me the text message codes to access my account. For over 3 weeks I have not been able to see where my money XXXX XXXX XXXX is. They will not contact me XXXX other than automated emails ) in a meaningful way and have not resolved this situation. I believe they stole my money. I simply want to sell and leave this terrible ordeal behind me. I was under the impression that because they were a publicaly traded company that there was some oversight but appears they can behave fraudulently without XXXX and get away with it. There are many complaints and a lawsuit in regards to this behavior. I wish I knew this before I used their exchange. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: OH

Complaint narrative:
I've personally being trying to resolved this issue for close for a last year now. I am becoming fed-up and I have no idea what to d. It has to be something you guys can do. My ex husband default on a loan that I personally am not responsible for. We filed a XXXX of XXXX on XX/XX/XXXX. On XX/XX/XXXX, I granted and assigned any all interest of real property regarding XXXX XXXX  XXXX XXXX, XXXX, OH XXXX through a Quick Claim Deed to XXXX XXXX. According to my credit report it appeared that XXXX started defaulting on this loan sometime in XXXX. After granting all responsibilities as well as XXXX XXXX it appears that XXXX XXXX Resolutions will not honor that I have no involvement with this debt. 

In fact this creditor is reporting this debt as open only on one credit bureau XXXX, just so they can continue report monthly pass due amount. I find it strange that XXXX  has the account closed, I don't even know how that is even possible that they can report it open on one and closed on another damaging my credit month in month out. I thought I read something somewhere that states that all information should report consistent and accurate. At this rate this will never get off credit report as along as this Creditor keeps reporting open on XXXX. I feel like I'm doing jail time for someone else default I've been going back in forth tryin to get this issue resolve with no avail. My most recent letter was sent on XX/XX/XXXX as of today XX/XX/XXXX. I have not receive any correspondence with this issue. I've been trying to move on with my life and have the legal proof to prove it but this creditor refuses to honor and do the right thing. I have attached my most recent letter to the creditor below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
My mortgage loan was sold to Carrington Mortgage Services LLC around XXXX or XX/XX/XXXX. On XX/XX/XXXX, an escrow disclosure statement was sent to us stating that there was a shortage of {$230.00} for XXXX. I paid this amount on top of our regular payment on XX/XX/XXXX. However, as of todays date, our escrow and monthly payment has not been recalculated. We have been paying the additional monthly escrow amounts that are included in the new monthly payment as if they escrow shortage was not paid. I called Carrington on XX/XX/XXXX, asking why our payment amounts were not reconciled and have not been notified since, and my amounts due have not changed. 

Also, as of XX/XX/XXXX, Carrington is now charging a {$5.00} convenience fee for making a payment online through their app or through their website for normal, timely ACH payments. I attempted to instead make a payment through their online automated phone system, and was notified that there is a {$10.00} fee for using that automated ACH system. On XX/XX/XXXX, after being notified of the fees, I spoke with an agent and was told that the fees are from Corporate and that my only options are to sign up for automated deduction to bypass any fees or set up bill pay through my bank, or send a check in the mail. When I tried to set up bill pay through my bank, my account number could not be found in Carringtons bill pay and I copied the number exactly. I was not notified of any fees for making a payment and do not understand why a fee would be charged for simply making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, through the online portal at Flagstarbank.com, I filled out a short question survey, informing the bank that I am able to continue making payments on the loan. Due to COVID-19, I was forced to enter forbearance due to being laid off work. The representative at that time, told me that I will be receiving a letter- that letter never came. Therefore, on XX/XX/2021 I called Flagstar Bank customer service again. The representative told me that for some reason, the letter is " stuck in the queue '' but that she will request a second letter to be sent out via USPS, since the first letter has already expired. The representative also informed me that the forbearance has been extended to XXXX, in order to buy time to receive, sign, and send back any documents requested. I was also informed that should I not receive a letter by XXXX XXXX XXXX, to call back. Today is XX/XX/2021 and no letter has been received. I called Flagstar Bank customer service and requested to speak to a supervisor, the representative said that underwriter has declined the request for a " partial '' due to the past-due amount exceeding FHA guidelines. That my file was sent back to underwriter for a possible loan modification, and should take anywhere from 4-6 weeks. I am owner-occupying the home for the record. Meanwhile, we wait once again for Flagstar Bank to reconsider my claim.

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