vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo Bank reversed a provisional credit {$500.00} and refused to give me money back due to a XXXX fraud on XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I was scammed by a scammer XXXX XXXX XXXX XXXX XXXX, phone number retrieved from a XXXX XXXX ) who pretended to be an XXXX customer service representative. Instead of helping me accessing my XXXX  XXXX  due to forgotten password, he used XXXX via my Wells Fargo Bank app to transfer {$500.00} to XXXX XXXX ( whom XXXX claimed to be his manager ) on my XXXX. During this phone call, I did not realize I was being robbed of my money because XXXX XXXX was walking me thru the steps on my XXXX while rest assuring us that he was just testing XXXX. 

It wasnt until he asked me to go to the nearest ATM to pay {$900.00} to get an XXXX XXXX card that I realized I was being scammed. I immediately rushed to a Wells Fargo bank branch XXXX XXXX XXXX XXXX XXXX, VA XXXX ) at XXXX ( 45 minutes after the fraudulent XXXX transaction XXXX and the Wells Fargo employee ( XXXX XXXX XXXX XXXX ID : XXXX ) called fraud department and agreed to give us {$500.00} credit within 10 business days. 

Unfortunately, I got a letter from Wells Fargo on XX/XX/XXXX. The letter stated We have now completed our research of your claim and found this transaction was made by you or someone who had your permission to perform transections on your account. As a result, the provisional credit provided to you earlier will be reversed within 10 business days from the date of this letter. If you have any questions or would like to take advantage of your right to request copies of documents we relied upon in making our decision, please call us. 

I never give the scammer my permission to authorize the XXXX transaction via my Wells Fargo Bank app. I was unfamiliar with how XXXX works and I had no idea how he hacked my Wells Fargo bank account to initiate the unauthorized XXXX transaction. 

I called Wells Fargo at XXXX at XXXX on XX/XX/XXXX and spoke with XXXX XXXX ask for copies of documents that they relied upon in making their decision. However, it has been 25 days and I have not received any response from Wells Fargo.

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 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The complaint is about TD Bank, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
TD Bank offered a re-financing for my house, and I signed a XXXX rate-lock agreement with TD in XX/XX/2020. 
InXX/XX/2020, TD Bank said the existing lender could not perform a loan assignment due to COVID in order to close the re-financing, but asked me to wait and promised in writing to extend my rate lock until closing. 
Despite my weekly email follow-ups, TD Bank continued to ask me to wait. 
InXX/XX/2020, I informed TD Bank I could not wait any longer and wanted to close the re-financing without the assignment, and I was willing to bear the resulting additional cost. 
In XX/XX/2020, after my numerous attempts to get an answer from TD Bank, TD Bank informed me they would not honor the loan terms they promised to me. On XX/XX/2020, TD Bank promised in writing to refund me the {$530.00} in appraisal fee that I paid in good faith at its request during its underwriting process. I never received the refund. On XX/XX/2020, in response to my email inquiries, TD Bank representative emailed me and said he would check on the status of the promised refunds. 
After that, TD Bank stopped responding to my continued inquiries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 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: KEYCORP
State: WV

Complaint narrative:
I received a credit card in the mail from Key Bank. When I called they told me someone was trying to open an account in my name and had my social security number. This happened on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I used the card on Friday, XX/XX/XXXX to purchase hotel reservations online. It asked me to upgrade so I did, but then the window of time to cancel was shortened so I canceled the reservation altogether. The card had to have been open when I initially purchased the reservation because it let me book it ( it wasn't a pay later reservation ). 

After canceling the reservation, I logged in to my account to make sure that the transaction didn't go through and that's when I discovered my available balance was {$0.00} when it should have been around $ XXXX. I tried calling the company ( Comenity Bank ) 3 times to try to find out what happened and also sent and email. When I call I get an automated service that tells me my card has been closed by the bank and can not be reopened. 
I've never been late and if this was a suspected fraud they usually transfer you to the fraud dept and once they determine the charge legitimate, remove the hold. In this instance the account was just closed with no notification or explanation. 

This situation will impact my credit score since $ XXXX of available credit has been eliminated. I know that there are notification requirements and like I said even in a suspected fraud situation you have an opportunity to talk to someone to get your card reopened or a new card issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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:
There are numerous accounts listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.

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 2021-02-20 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:
There are numerous accounts listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a payment on the Citi 's credit card payment page from my personal bank account. I copied and pasted the numbers on my computer so there is no way that the numbers were mistyped or off in any way. However, the payment failed to go through even though there were more than sufficient funds to cover the charge. When I tried calling Citi, I wasted an hour of my life on hold only for the call system to hang up on me. I then went to the chat box where the return check fee was reversed but the very kind representative informed me that they were not able to reverse the interest. Even though the interest was only charged due to Citi 's inability to collect a payment from the account that I provided, that I copied / pasted the numbers from and had more than sufficient funds to cover the transaction. This is just the latest in a string of failures from Citi bank. Of course, my time has no value to Citi Bank so they do not care about their failures that have cost me significant amounts of my time. I am looking at a start up XXXXXXXX XXXX  as they tend to actually care about their customers.

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 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: WI

Complaint narrative:
On XX/XX/2021, I initiated a transfer of {$100.00} from my checking account to my money market account. I received an error on the transfer and tried a few more times, unable to get it to go through. On the morning of XX/XX/2021, I contacted Schwab customer service because I continued to get an error message. A team member on the brokerage side attempted to do the transfer for me but also encountered an error. She transferred me to a representative on the banking side who was able to get the transfer through. 

That afternoon, I looked at my account and saw that nine transfers of {$100.00} left my checking account. It appeared that one went through for every time I or a customer service rep attempted to make the transfer. However, when I looked at the brokerage account, only one transfer of {$100.00} went through. This left {$800.00} missing from my checking account. 

Since XX/XX/XXXX I have spoken with multiple representatives at Schwab. Given their long hold times, I have spent many hours on the phone waiting for help. Each customer service rep I have spoken with has told me the issue was known and was being worked on. Each promised me the issue would be fixed by the following business day. As of today, XX/XX/XXXX, the issue still hasnt been fixed. 

If I would have overdrawn my account I would have incurred bank fees as a penalty. Instead, in this situation, I have to float {$800.00}, money that can not be spent or invested, because of a banking error that Schwab staff is seemingly unable to resolve. I have been told by some reps that the eight erroneous transactions would be voided and the funds returned to my checking. Others have told me the eight erroneous transfers would be completed and the {$800.00} moved to my brokerage. I am unable to understand why this issue can not easily be resolved and have completely lost both patience with this process and faith that my money is safe with Schwab. 

It is worth noting that in the middle of this issue, I encountered another issue with Schwab whereby a stop limit set on a security I once held with Schwab but later transferred to XXXX was activated. I had an alert in my account showing I owed those securities back. Thankfully, they were able to void that transaction but it only adds to my impression of Schwab having issues with the way in which their systems hold and manage 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 monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have called Experian numerous times and t

he credit score is not updating with current credit information. It appears to be possibly an identity issue. I have even been told I was listed as deceased. When I open new accounts, they never show up on reports ( approx 9 years ).

I have been in a loop of making requests, being told various stories, but the issue is never resolved. Any creditors that require a credit pull from Experian will not service my needs. 

When I apply for credit and the creditor pulls from Experian, the inquiry shows up, but the credit account once opened never reports.

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 2021-02-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I get denied for a Apple credit every time I try to apply. I spoke with someone last night XX/XX/20 about it I let them know that Im a victim of identity theft and XX/XX/XXXXwants me to try to get to a credit card to raise my credit score which is almost XXXX I just want to be able to get it raised. I dont need much financed thru Apple credit card just enough to prove I can pay what I owe if approved on time with no problems. Could you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp.
State: FL

Complaint narrative:
After reviewing my credit report I noticed some discrepancies. The discrepancies are being reported by Armada Corp collection company. They are reporting multiple medical collection accounts from " The XXXX XXXX ''. I have never received a dunning letter from Armada Corp. On XXXX I requested Armada Crop to validate the debt as I legally have that right as a consumer. They did not respond until XXXX and I received their response on XXXX stating I have 7 days to respond to them and provide payment!!! I have never signed a HIPPA release form with The XXXX XXXX. Armada Corp is also illegally charging interest on the alleged medical debt. I live in Florida and Armada Corp is located in XXXX, WA. Armada Corp is not a licensed collection company in the state of Florida. Armada Corp also has violated FDCPA by not changing the account status on my credit report reflecting the current accounts are under dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
According to the three credit bureas the amount owed is XXXX {$1000.00} I contacted the emergency they didnt provide me with any infomation and infomred me to contact the debt buyer, I contacted the debt buyer who told me a month ago that I would received documentation for this debt within 30 days I asked the rep to provide me with proof of an itimized bill, date of service, service rendered and the physician name with my signature as a form of proof they told me all that information would be included in the documentation that I still have yet to recieve. Im convinced that this debt does not belong to me. I haven't been to the emergency around that time. Its so unfair that agencies like this exist becasue not only do they have my medical documents so to speak they have acces to my senstive information such as birthday and SSN Date opended XX/XX/XXXX Open balance XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX PHOENIX FINANCIAL SERVIC Debt Collector Last reported XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: TN

Complaint narrative:
In checking my credit report I became aware of a collection from Account Name : MOUTAINRUNSO ( Original Creditor : 05 XXXX ) for {$3300.00}. I explained to them that this wasn't my account and they have refused to remove it. I reached out to who I believed to be the responsible party who contacted Mountain Run Solutions and they were undeterred and refused to remove the collection from my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I asked the credit card company if I promised to make a payment after my complaint is resolved if interest would still be charged. They asked if I filed a dispute. I said I was not aware I could dispute the promotional interest charge with them and that I filed the complaint with the government. At that point I was cut off mid sentence and transferred to make a dispute before the late fee could be removed as promised and then the call disconnected. I called 3 times from the same phone and each time I kept getting hung up on. I finally called from my home number and finally I was able to get in touch with someone. 

During the call I explained the the number I found from XXXX to find out why I did not receive a bill would not connect me to a representative. I explained that I also called the store I made the purchase from and they too could not get a representative on the line. The only reason I was able to get in touch with the credit card company was because they texted me after the due date. I never received anything in the mail, phone call or email. They apologized that the mail got lost and that I received the wrong number but they could not remove the promotiinal interest charge even though I never received any mail and my account number changed without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
There was a fraudulent charge of {$160.00} to my Citi Card on XX/XX/XXXX. I contacted Citi by phone to inform a fraudulent charge was pending ; it had not posted yet. They immediately inactivated the card ending in XXXX and issued a new card ending in XXXX. The charge then posted XX/XX/XXXX. I logged into my account and issued a dispute, which was registered by the Citi System. I received a statement on XX/XX/XXXX. I logged into the website, it showed the charge under investigation. I call Citi and spoke with a representative, they indicated it was resolved. I packaged all of that information, and postal mailed to Citi another confirmation the charge was fraudulent, please provide to me written status as the website indicates no dispute, but under investigation, and to please close the account. Citi did not respond or take any action. On XX/XX/XXXX I again called Citi, indicated I had been contacted on the XXXX, was there anything on the account, they indicated no. I requested the account be closed. On the XX/XX/XXXX, I received an e-mail giving me 24 hours to respond, indicating Citi had contacted me about the dispute, or they would re-post the charge to my account. This ominous approach is while their website indicates no dispute and their representative did not indicate a dispute. This is a completely unethical and aggressive manner in which to collect a 45+ day old fraudulent charge, which they intentionally indicated was not active, and they intentionally did not communicate in a timely manner. This is an extremely predatory approach especially as they issued a new card per my notification to them of a fraudulent charge. I have included the documentation showing no dispute on the account and my latest correspondence. There is no reason Citi should have even let the charge Post from the Pending state. At last check, my credit score was XXXX out of XXXX, this is not about the money it is about the ethics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Today XX/XX/21, I have submitted numerous disputes with Equifax and XXXX to update my credit report. There are old accounts that have been paid in full, settled, and no longer need to be on my credit report as it is hurting it. I am trying to purchase a home I can live everyday in. I am having so much trouble with getting old information removed from my credit report, that is already closed and taken care of. XXXX filed dispute on Equifax , they are saying my credit score is a XXXX, when in fact it is a XXXX, this is a huge difference, because of the lack of updated information. It is inaccurate. My balance on my XXXX XXXX Account is not XXXX, it is XXXX, this needs to be updated, and it has been over 30 days since it was updated. I am trying to get approved for a home loan and the inaccuracy of my Equifax credit report is holding me back. Please have Equifax update my account promptly. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
The ORIGINAL debtor is listed as XXXX They DO NOT have MY consent nor signature for that ORIGINAL account or contract in question. That same {$340.00} balance has been placed and removed from my credit file twice by different collection agencies and has now been placed on my file AGAIN yesterday YET AGAIN dropping my score OVER 100 points across the board. Southwest credit systems is in violation and Im seeking the fullest punishment possible. XXXX is the account they placed on my file which IS NOT mine. LASTLY, I have spoken with XXXX ( WHO I CURRENTLY HAVE SERVICE WITH ) and they verified that its no way I can have an account in collections with them & have a current account.

Company response to consumer: Closed with explanation