vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have been in an awful identity fraud situation recently and someone has activated an account with BOA without my permission. i have reported this before and it worked for a little bit but it is reappearing for no reason. this account is not mine and it needs to remain blocked.

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 2020-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have a student loan account with Wells Fargo Bank that I am beginning to repay. Upon inquiring with Wells Fargo Student Loan Customer Service about automatic payments, I was told they would email me the forms for automatic payments and I could fax them to Wells Fargo. I completed the forms after they were emailed to me and signed them electronically. I then faxed the completed forms to the fax number provided by Wells Fargo Customer Service on XX/XX/2020. 

On or about XX/XX/2020, I received a letter from Wells Fargo Bank dated XX/XX/2020 stating that they would not accept my automatic payment forms as they were electronically signed and Wells Fargo requires my original wet ink signature. Nowhere on the forms or the instructions for said forms did it say that I was not allowed to sign these forms electronically. I called Wells Fargo Bank Customer Service the same day and asked if this was true, I was told yes. I then asked to speak to someone in their legal department as nowhere on their forms did it indicate that I was required to provide an original signature. I was assigned a case number and told I would receive a call within ten ( 10 ) business days. 

I was contacted XX/XX/2020 and informed that although the forms do not say that I can not sign electronically, they will only accept an original wet ink signature. I was also informed that these forms could not be faxed, even though the first representative I spoke to said that I could. It also does not say on the forms that you are unable to fax the automatic payment forms either. I informed the representative that it was absolutely appalling that none of this was disclosed on these forms, to which I was told that I was absolutely correct and this information should be on those forms. I was then told that this information would be forwarded to their legal department. 

If Wells Fargo Bank does not accept electronic signatures on their documents, then it should be clearly specified on their forms. I was allowed to apply/sign for all of my loans electronically and sign them electronically so I assumed that I would be able to do the same thing with the automatic payments. I find it completely unacceptable that this information is not properly or appropriately disclosed to consumers and Wells Fargo Bank should make any and all effort to resolve the situation immediately.

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 2020-06-25 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: TX

Complaint narrative:
FTC Violations XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: TX

Complaint narrative:
FTC Violations XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the morning of XX/XX/XXXX a repo company assigned by wells fargo auto illegally came into my yard, gate was locked and they broke in and illegally took my vehicle and failed to make contact with me. Repo breach of peace

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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank released a COVID-19 statement during early XX/XX/XXXX advising customers who were having hardship as a result of the pandemic to contact them for assistance. I live in XXXX, New York which was placed on lock-down due to Coronavirus so I contacted Citibank on XX/XX/XXXX to request COVID-19 forbearance and was offered a reduction in rate from 11.99 % to 9.9 % for 60 months but I would need to close the account. I refused the offer based on the condition to close. I felt it was punitive. I was told that was the only available option available but I could call again to see if any changes. I made several follow-up calls to Citibank customer service. I did not hear back from Citi until XX/XX/XXXX when their collections contacted me because I did not make the XX/XX/XXXX payment due, at that point they offered payment deferral until XX/XX/XXXX. After this agreement I still continued to receive collections calls. On XX/XX/2020 I received e-mails from Citi stating they had reduced the credit lines on both my accounts based upon my XXXX  report which indicates a substantial number of debts owed. Their action cause credit reporting agencies to identify a 97 % utilization rate of the two revolving credit card accounts I have with them. which then put me at at 37 % utilization threshold resulting in a significant reduction in my credit score by relevant agencies. I'm a new business owner and the life and breath of my business relies greatly on my credit score. Citi has since refused to accept responsibility for their unfair and discriminatory action. They insist that the  first time I contacted them was XX/XX/XXXX. I have sent them my phone logs of the calls that were placed to them during the month of XXXX, requesting transcripts of our exchange. They have refused stating they will only provide same via a subpoena. I suspect Citibank posted their COVID-19 statement encouraging customers to call in and when we did, they tried to trick us in closing accounts, because I did not accept their original offer my accounts were flagged and later reduced because I was considered too risky. I've had one of the accounts for over 25 years and can't remember ever missing a payment. COVID-19 was a risk for everyone on many levels and they  used their authority as a weapon to further harm unsuspecting 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 2020-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, after having been instructed by XXXX XXXX XXXX to remove 2 inquiries, from dates XX/XX/XXXX and XX/XX/XXXX, which were not authorized by me. Experian takes one off my credit report the second one absurdly, and in a questionable way leaving the first inquiry from XX/XX/XXXX. 

Attached you will find the letter that XXXX XXXX XXXX sent on XX/XX/XXXX to me and the CFPB. 

Please order Experian to take the inquiry, as ordered by XXXX, and issue any applicable santions to Experian in place, not excluding the economic compensation, that CFPB considers applicable.

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 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: FL

Complaint narrative:
I used to have a roommate, an old lady, she didn't have a personal phone or email so she decided to open an account with this lender using my email, phone number and address ( she was a roommate ). The lady passed away last year and this creditor keeps trying to collect from me. I already requested multiple times to remove my information from this lady 's account and they refuse, they say I am liable for her bills. I am not a family member, have no contact with her family members and this creditor keeps sending me emails harassing and trying to collect from me. Is there anything that can be done to stop? They have been sarcastic, ignoring my requests, it's a very creepy situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
i sent 4 different letter to account resolution service on XX/XX/2020 about items on my credit report with different alleged balances that they say i owe. i have attached the letter below in the complaint for your reading.

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 2020-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TJC Mortgage, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX on XXXX XXXX in XXXX, XXXX  I gave the pertinent information to the application processer so that they could begin my file. The next day I spoke with XXXX XXXX XXXX ( NMLS XXXX ) who asked several questions and I once again explained my situation that I would be moving from XXXX, XXXX to XXXX, XXXX to take a new position with the XXXX XXXX. I was issued an award letter from the Department of Justice. XXXX stated she would need to see how long I had to be on the job before I could be approved and closed on the home. The next day ( XX/XX/XXXX ) I sent XXXX an email requesting an update. XXXX replied that I would need to have my first paystub before I could close, but that she was still waiting to hear back from the underwriter. I decided to follow up via phone on XX/XX/XXXX but did not get XXXX, so I also sent an email that day as well. I still have not received any correspondence from XXXX since XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX to speak to her supervisor. I spoke to the supervisor and she basically reiterated that I would need to receive one paystub before I could close. I explained that if that were the case then my credit report should have not been pulled before they could have counseled me on the products and services they could offer. I asked her to submit a credit report correction and she stated she would need to contact corporate and would call me back on XX/XX/XXXX with the decision if they could do so. I have not heard from the supervisor and do not expect to at this point. Now, I have a hit on my credit report and they will not return my calls or emails to even get the process started. However, after seeing how poorly they have handled this situation I would not consider transacting any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Utah System of Higher Education
State: NY

Complaint narrative:
On XX/XX/2020, UHEAA that administers my student loan sent me an email telling me that my state-New York was declared a disaster region and that I qualify for loan forbearance without interest accruing during the forbearance period. I accepted the loan forbearance program which was to end in XXXX. 
On XX/XX/XXXX, UHEAA sent me another mail reminding me that the forbearance period is coming to an end in XXXX. 
I logged into my account to see when in XXXX I would start making payment. On my account, I noticed it has an outstanding interest of {$110.00} for the period of the forbearance. The forbearance was a federal initiative to help loan holders during the disaster period. 
1. The are contravening the federal guidelines on this program. 
2. I was told by a member of their staff that interest on my loan would not accrue. 
I want relief based on the above summary. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was the subject of accounts being opened fraudulently in my name. One savings and one checking account were opened on XX/XX/2020 at Wells Fargo Online. I am writing to complain because Wells did not require proper identification, no picture ID was required and Wells did not verify the information with me. Instead I received a letter stating congratulations on opening your new accounts. They did cancel the accounts after I called and complained. However these accounts should not have been opened without proper ID. Wells was derelict in this regard.

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 2020-06-25 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
As a part of a liquidification plan with Chase on my Chase Slate and Amazon card, I made an arrangement months ago to make a payment on {$84.00} a month for the Chase Slate card and {$46.00} a month on the Amazon card. I made on time payments through auto-pay for every payment then got an email this month saying my account was overdue. The Chase representative and website set my checking account would be auto drafted those amounts until the card was paid of in 2024. When I saw that I got an email saying my payment was late, I called Chase and was on the phone with them for hours, disconnected all for them to tell me they " don't know what when wrong. '' I told them what their representative told me about the auto pay and they refused to listen to me. I lost my job before my job now which caused me to go on this liquidfication plan, but now despite me making a payment plan with them, they reported both of my counts delinquent which brought down my credit score 56 points when I worked so hard getting it up the past year. I told the representative I would  pay that day but they refused to take it off my credit report if though it is their system and representative error. I have to move into an apartment soon and due to the 56 point drop I had overnight because of this horrible company 's issue, I am not going to get approved now. I paid off several of my credit cards the past year and this has set me back significantly when I worked so hard to improve my life and credit. I need them to take this off my credit report immediately because it was their fault that they told me they would auto-draft from my account until 2024 and then just suddenly stopped the auto-pay without informing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: MA

Complaint narrative:
I am filing a complaint against Barclay US Credit Card regarding my registered Dispute # XXXX Barclay Card ending XXXX. 

On XX/XX/2020 I purchased an XXXX XXXX {$4100.00} a round trip first class ticket XXXX/XXXX. This flight was cancelled due to COVID19 and to date I have been denied two occassions by Barclay in writing that they get will not be involved with the dispute. I am stonewalled and an honest consumer with rights. They stated in a letter to only return to the vendor to get me money back and denying they are responsible to be involved. 

I have been in touch with XXXX XXXX for 4 months, but COVID has caused the phones to not be answered and the XXXX office closed. I have reached them by email and they agree to a refund but none has come over the 4 months of receiving emails back. They keep saying money is coming. It may come, but if it does not I am out the money. 

The ticket was cancelled and it is refundable ticket as its First Class. The issue is no money.

I have sent a lot of documentation to Barclay and do not think they are reading or following US consumer law on this matter, reading the fact its a cancelled flight. A manager called XXXX spoke with me and requested to re-fax my confirmation email about refunds being due from XXXX XXXX, but no promise. 

Speaking to Barclay is difficult at best even with the long phone waits. They are stating each new fax of documents or management call back can be a week or more. And they are not advising me on my rights to that this flight cancelled. 

Also, poor overseas support are contributing to a difficult with constant cultural and elocution problems. The dispute lines will not tell you anything about your case, just that your denied and if they do its inconsistent call to call. 

In my opinion Barclay is not providing the consumer with transparency regarding what is needed to help them understand US consumer protections I and others have. 

They keep advising me they must follow their policy, when I keep saying and proving the flight is cancelled due to COVID and the ticket refundable. T This Dispute is valid and needs to remain open until a refund from XXXX XXXX comes or Barclay provides. 

I have filed complaints with the DOT, FTC and Mass Attorney Generals Office I am very concerned what they are doing is happening to other consumers. 

Attached is the most current cancellation/refund correspondence from XXXX XXXX, they are now saying its 7-10 days, but they have promised its in process in the past, its 4 months! Note I purchased this ticket for my sister XXXX XXXX who was flying with me to 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 2020-06-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon conducting a personal credit reporting review, I noticed that a company named EQUIFAX MORTGAGE SERVICES conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage.

EQUIFAX MORTGAGE SERVICES conducted unauthorized credit check for the following date : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascension Point Recovery Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regulation Z gives borrowers the right to cancel certain credit transactions, including a lien on a borrowers dwelling, to regulate some credit card practices, and to provide consumers with access to fair and timely credit billing disputes. 

Regulation Z is enforced by the U.S. Federal Reserve Board and the Consumer Financial Protection Bureau. However, the Dodd-Frank Wall Street Reform and the Consumer Protection Act of 2010 transferred most responsibility to the CFPB. 

My Auntie passed away XX/XX/XXXX. Several fraudulent purchases where made while she was on her death bed and other purchases where made after she died .My Aunt XXXX never abused or maxed out her credit cards. XXXX never gave consent for anyone to use her credit cards. She never authorized any authorized signers on any of her accounts. I want all these fraudulent credit card purchases to be carefully reviewed, and i want all charges cancelled due to fraud. My aunts spending patterns where simple. She always paid in full, never left a balance and hardly never used her credit cards. Why weren't these unusual spending patterns noticed? Its negligence on the creditor part for not noticing unusual patterns, large purchases a. I am the Personal Representative of her Estate, and I want to make sure all of her affairs are in order. 

RE : XXXX, XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My name is XXXX XXXX DOB XX/XX/XXXX I'm the Personal Representative of the Estate of XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation