vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To whom it may concern, Purchased Hedge trimmer from XXXX XXXX on XX/XX/2021 and XXXX reported email delivery on XX/XX/2021. Reported to XXXX delivery not received, checked over multiple days. Requested Charge back from Wells Fargo XXXX XXXX XXXX for {$420.00}. Wells Fargo came back with a denial for Chargeback ; stated XXXX showed proof of delivery by XXXX. I stated that no one in household including myself had signed or received package in question. Wells Fargo instructed me to contact XXXX for refund. Called XXXX who told me package delivery on XX/XX/2021 may of been delivered to wrong address and a refund for {$420.00} has been sent back to your card as a chargeback on Friday, XX/XX/2021. Please contact your bank for the further assistance ( Please see Email PDF enclosed ). Spoke with multiple Wells Fargo representatives, who after explaining my case, denied chargeback. Requested I be escalated to executive office; spoke with exec. rep. XXXX who denied chargeback.Requested to speak with his superior and was then told he would investigate further and get back to me by XX/XX/2021. 
Received phone voice message stating your chargeback case has been resolved ( in so many words ) and to call XXXX XXXX XXXX Case # XXXX if you have any question or I'll receive results in the mail. When I called them I was told my Chargeback was denied ; I requested the reason and was told XXXX showed proof of delivery. I reviewed explanation of non receival of merchandise on deaf ears. After speaking to Supervisor XXXX and then being transferred to executive office, spoke with XXXX ; reviewed entire case with her and was told XXXX will be following up, and case is currently open. I asked how case is currently open, when I was told today case was denied. Her response was XXXX was looking into case and would get back to me. I then felt I was being given the run a round and requested email stating case is currently open ; XXXX stated we don't send emails. Requested to speak to superior and was told their no one else, will need to wait for XXXX. Thank you in advance for any help you may provide. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. 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 non-monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo keep letting unauthorized use of my account and they are slow at updates on my account which put my account on negative. They deny withdrawing from me I have to call them to get it right.

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 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover bank is fraudulently charging my debit/credit card account without my authorization, which is " unauthorize us '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I have contacted them to resolve this issue but their representatives are purposely hanging the phones up. i have tried to speak with a supervisor/manager but they've had me on hold for hours and disconnect the lines. Charging any fee is a violation 15 usc 1692f ( 1 ) Unfair Practices- A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
- Opened checking account with Citibank in XX/XX/XXXX - XXXX Debit Card Initial Funding Internet from account XXXX for {$25.00} - Closed account soon after - Called many times since to request refund of {$25.00} - Case File # XXXX - Sent proof of address on XX/XX/XXXX to fax number XXXX - Filed a complaint with " XXXX '' on XX/XX/XXXX - Expected a refund check by XX/XX/XXXX. To this day, unable to obtain refund.

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 2021-10-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the CFPB ( # XXXX ) regarding a debt collection letter from XXXX XXXX XXXX XXXX In that complaint, I referred to another debt collection attempt from a company called XXXX XXXX XXXX XXXX XXXX. That company failed to respond to my request to verify themselves as the legal debt collector. In response to my complaint with the CFPB, XXXX XXXX XXXX responded that they were the legal owner of the debt they were trying to collect. In XXXX of XXXX, I submitted a payment plan to pay off the remainder of the debt, biweekly at {$150.00}. I have kept my promise to pay since then. 

Today, I called XXXX XXXX XXXX to confirm the remaining debt owed of {$2300.00} which agrees with what I have calculated for {$2300.00}. In 16 more payments, this debt will be settled. 

During my research on improving my personal finances, it came to my attention that if a debt collector sold my debt, that debt becomes a tax write off for them. My continued payments on top of the tax write-off they already claimed is something they should not have received. A few months after resuming payments with XXXX XXXX XXXX, I noticed that they were no longer reporting my payments to the credit bureaus. 

Since XXXX, I have paid at least {$15000.00} towards this debt. XXXX XXXX 's response to my CFPB complaint made it seem that this debt collection letter from them was the first time I was working with them in XXXX. That is not the case. I will attach a XXXX cancelled check with their endorsement on the back of the payment made to Citibank regarding this loan for what was a monthly payment of about {$200.00} a month. When I was unemployed, it was difficult to maintain payments until i got a steady job. It will be a screenshot. But if you need the encrypted PDF document I received from Citibank, I would be happy to share with CFPB. 

The previous reference number I had with XXXX XXXX XXXX was # XXXX. The active and current reference number they have assigned is # 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 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I called and was told the account would be closed twice. 

I filed a CFPB complaint # XXXX and have not received a response within 60 days. 

I got a statement with a credit balance indicating that the account is still open with a large credit limit for a business that does not exist any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
On XX/XX/XXXX I leased a brand new XXXX XXXX in XXXX, CO. The lease was for 3 years, I made every payment on time, and took very care of the car. At the end of the 3 years, I extended the lease for another 6 months. I had excellent credit and very good job. In late XXXX my wife fell ill and after tens of thousands of dollars of medical bills she became disable and couldn't work. We accumulated high credit card balances. However, I never missed a payment on any of my credit cards or the lease payment. 
In XX/XX/XXXX XXXX informed me that I can't extend the lease any longer if I want the car, I can buy it. They told me that based on my excellent payment history with XXXX, if I finance it with XXXX the interest rate will be between 4 % - %, but I have to do that at XXXX Dealership, so I went to the closer XXXX Dealership on the last Saturday of XX/XX/XXXX. XXXX XXXX in XXXX, MN lied to me and told me that they can't finance the loan with XXXX XXXX, it has to be a BANK. They recommended Ally. I wish I never went to this dealership, other XXXX dealers in the area told me ( after the fact ) that XXXX did not use XXXX because Ally pays them to bring customers in. They told the interest rate will be 9.25 % for 60 months. I thought with my excellent credit it should be much less however, it was the last day I can buy or turn in the car. 
Ally Financial and XXXX XXXX took advantage of 70 year-old trusting man. Ally knew that they were deceitful so they didn't send me any paper work, and their website doesn't show how much was charged, and the statement have to be downloaded and it doesn't show much either. After paying Ally about {$8700.00} ( 33 month X XXXX ) they show that I still have 41 month remaining at XXXX that another {$10000.00}. 
I called Ally at the beginning of the year and asked them if I can make the payment on the XXXX of the following month rather than the XXXX of the month, they said if it's less than 10 days there will be no late fees and no extra finance charges. On XX/XX/XXXX I called again because I saw the finance charges would be much higher this year than last year. After 45 minutes with the agent, he would not give me any details. So, I gave them a low point feedback, I received a call from Ally the same day. I will attaching printouts to show how deceiving Ally is.

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 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a XXXX XXXX 30 year fixed mortgage with 3.5 % interest rate. 
We have paid roughly 10 years on it. 
Wells Fargo home mortgage is the lender. 
We have been verbally, in agreement, with deferral for forbearance as the main option of resolution. Our mortgage was hence put into forbearance since XX/XX/XXXX because, I and my wife lost our jobs in XXXX of XXXX due to covid-19. 
Forbearance ended XX/XX/XXXX. However, during the whole forbearance program with Wells Fargo I paid each month towards escrow, to pay insurance and taxes on our property. That escrow payment, as told to me by Wells Fargo representative has been put into a separate inaccessible account. 
Since XX/XX/XXXX of XXXX I have been reaching out to them to find out what to do and find out what they want me to do. I told them that all along I wanted deferral plan unless a loan modification is better. However, the option they have been continually tried to implement into my mortgage is a loan modification of 40 years, and I rejected that! That would cause unwanted results for me along with doubling their profits! It made me angry! Where in the law does it state that a lender because of covid-19 pandemic, a lender is able to treat forbearance differently and double their profit? They have yet to provide me with that information. 
I paid my first entire monthly mortgage for XX/XX/XXXX on XX/XX/XXXX ; Wells Fargo in turn applied my payment to forbearance of XX/XX/XXXX and not XXXX XXXX. So they have me trapped in double jeopardy. Wells Fargo is now controlling my payments, using it towards forbearance, and preventing me from doing business elsewhere. I have been warned I need to make 3 consecutive payments before I can refinance with another lender. Other Lenders have offered me currently 1.75 % on a 20 year loan where as Wells Fargo is doubling their profits on me! Rates are low, historically low! 
I have had 3 other bad business relations prior to this and they are trying to XXXX me again, I want out! If they arent doing business as others, well its time to move on! The plan is I need to expunge my forbearance by XX/XX/XXXX and get refinanced ASAP! 
The population needs to be made aware of this scam! Please help!

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 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
This company called credit acceptance Corp ran my credit 5 times with out my consent and it caused my score to drop i want their inquiries off my file their phone number is XXXX their address is address is XXXX XXXX XXXX XXXX MI 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 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
Not my debt. 
I am not the person from whom they are attempting to collect debt and have made that abundantly clear. 

Activate Financial agents have ignored my requests 4 times to remove me from their database. 

I have mentioned to agents that they are now harassing me and that I will report them to national Do Not Call Registry. This has gone unheeded. 

Over past months, I was receiving a call every few days from company. Since telling them I will report them to Do Not Call registry, I now receive 1 call each day around XXXX to XXXX from Activate Financial XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX added a collection account LVNV FUNDING LLC which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
LVNV FUNDING LLC never gave XXXX any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately.

In Addition they have violated the Fair Debt Collection Practices Act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I've sent three letter about inaccurate information on my credit report and them having information without my DIRECT CONSENT! They're not verifying any information and violating my consumer rights! 
I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

This is not a regular dispute. Take action immediately you are in violation. 
Despite two written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
15 USC 1692C ( a ) I didnt give my direct consent for Equifax ( privately held company ) to furnish information or obtain my social security, DOB , or address on the accounts referenced below. Under federal laws, this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian credit bureau informed me that they utilize XXXX to acquire or confirm debt. I contacted XXXX to get verification of debt that was placed in my account and they sent me a letter of them deleting the unverified debt from my profile. I sent the letter to Experian to show that the services they utilized to originally put the unverified debt into my Experian account was deleted and to reinvestigate. They told me they went through XXXX and confirmed. Thats untrue because XXXX deleted the debt from my account. I asked Experian how they could verify information and with who. They stayed unknown third party verified. They are not verifying information in my credit report. And they wont tell me how exactly they are verifying that everything is true.

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 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX Equifax added a collection account XXXX XXXX XXXX which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately. 
In Addition they have violated the Fair Debt Collection Practices Act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: MD

Complaint narrative:
American Financial Network, NMLXXXX, called my Donotcall registered cell phone from XXXX fraudulently claiming to be associated with the Veterans Affairs Department and offering financial services. I have no business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Today I tried to get a personal loan with XXXX XXXX they cant pull my report, I called eguilfax says they need to use middle initial still didnt work called again 6 times all differnt answers no fraud alert no block tou have 2 credit files another says three give them pic my drivers license ss and made report XXXX semp and faxed documents said fixed and still isnt I cant get a loan a mortgage nothing send another fax today please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received my credit report and noticed unauthorized activity they should not be reporting on my profile. My information has hacked by a XXXX XXXX data breach

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