vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The issues I have had ongoing are with synchrony financial bank. I had 3 credit cards with their company, inXX/XX/XXXX I was part of the XXXX  data breach. All of my credit cards and bank accounts were affected more than once. Prior to this I had perfect credit. All three of my synchrony credit cards were maxed out. The first time, the company helped me, I had the new cards ( account numbers never changed just the credit card numbers ) for 1-2 weeks and they were maxed out again, from places like Florida and Arizona. I live in Ohio. I disputed the charges and they denied them. I was then sued for all three accounts and was never notified of the court dates, so the ruling was To their favor I was only made aware of that when I received the court paper work in the mail. One card was for {$8800.00}, the. {$2600.00}, lastly, {$2500.00}. I spent countless hours on the phone with their support staff, explaining my situation, that I submitted 2 police reports ( one in ohio and one in Florida ) for the fraud and that I never lived or travelled to the states the charges were made from. I was told that since it happened so quickly after the first time, that this was the reason they were not going to help me. I was floored, I had always been a good customer and maxing our my credit cards was never a trend. It has destroyed my credit, precluded me from employment and I have judgements against me now as well. I get threatening letters in the mail. I can not pay these charges, Im a stay at home mom. I never benefited from the use of my cards and its been a nightmare. I just want them off my credit report. I can not help that my credit information was hacked and is all over the dark web. Im a victim not someone who just didnt want to pay my bills.

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 2020-01-31 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: ND

Complaint narrative:
Experian is refusing to provide proof of the debt owed that was remitted to them via a company by XXXX XXXX in XXXX, North Dakota. I have tried numerous times to gain compliance from XXXX XXXX to no avail. They refuse to respond to legal documents, certified letters and so forth. They are refusing to provide any proof of the debt owed not only to me, but to Experian as well. There is over {$11000.00} in unverifiable debt not only on my report, but my husband 's as well as they are claiming that this is joint debt.

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 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On the morning of XX/XX/2020 i got onto the Wells Fargo website to research how to close my account. The FAQ 's on their website said to : " Step 1 : Prepare your account for closure : Your account must have a positive or zero balance. 
All deposits, outstanding and pending items must be posted. 

Step 2 : Contact us to close your account : Call us at XXXX Or visit a Wells Fargo near you. 
If outside of the U.S., complete the Account Closure or Partial Withdrawal Request form and send it to us by mail. '' I did an online banking internal transfer from my Wells Fargo checking account to my Wells Fargo savings account leaving my checking at a {$0.00} balance. I then transferred my Wells Fargo savings balance to my Wells Fargo VISA leaving my savings account at a {$0.00} balance. I had no other pending transaction on the account. I had completed step 1. 

I then called the number listed and was informed I had to wait to close my account because of the pending internal transfers on my account. I could try to call tomorrow to close the account. i wasn't even given an exact date of when I could close my account. 

Nowhere in the account agreement or the online FAQ 's was this specified. An internal transfer should not hold me up from closing my account. I believe this is yet another Wells Fargo internal practice to collect any potential NSF or Returned Item fees if anything tries to clear my account. Although I know for certain I won't have anything clearing, I still felt the need to report this shady and unnecessary money grab by Wells Fargo to protect other consumers. Having worked in financial institutions for over 17 years, this practice is unethical and wrong.

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 2020-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I discovered that my Citibank debit card was compromised online and used fraudulently. In the following days, I discovered a few transactions that I did not authorize and promptly reported them to the bank. All of the transactions have been properly reversed and credited back to my account including the transaction from XXXX in the amount of {$1400.00}. 

During the last week of XX/XX/XXXX, I received a letter from the bank stating that this transaction will be debited from my account on XX/XX/XXXX because the bank received documentation from XXXX stating that something was delivered to my address from XXXX on XX/XX/XXXX. 

I have no idea what was delivered as I did not place any orders from this company. I have not authorized this transaction. 
I have reported my debit card as compromised on XX/XX/XXXX and the delivery date that was given was in the first week of XXXX - number of days after my card was reported as compromised. I don't have a XXXX account and I did not use their service at all. 

Since XX/XX/XXXX I have sent a letter and fax to Citibank to request that this debit be corrected. I have placed numerous phone calls to the dispute department and as of today, nothing has been done to correct the problem. 
Please, credit my account for this unauthorized transaction ASAP. I should not be out of my money for weeks on end for a transaction that I did not make. Thank you.

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 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I paid XXXX to Excelious legal group to assist us in getting another modification loan for XXXX XXXX the company took our money and strung us along for a year and a half then told us they could not help us and never returned either all or part of our money, they just told us to go chapter XXXX if we wanted to save our home. 

As of today XXXX no longer owns the home I bought the home from her and allowed her to live there since I reside there also this never should have happened if there was help from this company

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 2020-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I received a credit report alert that a collection for two medical accounts totalling XXXX ref XXXXfrom 2015, had been added by XXXX XXXX XXXX, they reported two accounts to all the credit bureaus, WITHOUT providing me information prior or allowing the REQUIRED 30 day VALIDATION period. They have violated my rights and before the FDCPA laws.. These debts are identity theft related. I have had all previous medical debt from 2015 removed from my credit and proven to be a victim of identity theft. I use a XXXX pretention server due to all the identity issues I've had and the Bureaus and XXXX XXXX XXXX have sheets on my social and name. This is supposed to be a law group violating the credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Auto Trakk, LLC
State: NC

Complaint narrative:
The company name is XXXX and I tried numerous times trying to reach they're Fraud Department to inform them of a debt they are putting on my report. I filed Identity theft to get this account remove and it was remove but reappeared on my credit again. This is not legal and I want this account removed from all 3 bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: CA

Complaint narrative:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Received check for {$17000.00} from our homeowner 's insurance company for roof replacement because of damage to roof. As instructed, sent to mortgage company 's loan servicer ( XXXX  is the mortgage company, Loancare LLC is the servicer ) for their signature on the check so that the roofer can be paid. Before sending, I called Loancare LLC for the correct address to send to because I was sending via XXXX. Their customer service representative gave me the address and someone at their office signed for it on XX/XX/2020. I included in the XXXX  package a return envelope to me charging it to my personal XXXX  account to expedite the return. I called several times this week to check on its progress, and each time I was told that can't find and that they will not try to look for it. In fact, the third time I spoke with them, the customer service representative told me that she doesn't have the phone number for the office where it was sent - even though it is the same company! They have refused to look for this check, and in the meantime, my roof is in poor condition which can cause damage to the interior of my home. Every moment that they refuse to cooperate puts my home at risk. Even if I ask the insurance company to put a stop-payment on it and reissue, I would have to go through the same procedure with no assurance that they would not lose it again. No one there seems to care about this at all, and no one is willing to help. 
Yesterday, I faxed a plea to their customer service department hoping that someone would respond to it but they have ignored that also. Unfortunately, their office is almost 1,000 miles away from where I live so I can not just walk into the office. I need help urgently because of the condition of my roof - and my roofer will not work until payment is guaranteed.

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 2020-01-31 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp.
State: IL

Complaint narrative:
I have no acknowledgement about and also im going thru the identity theft as of now. 
United auto credit stating account is XXXX is the place saying i owe them i have no acknowledgement of this debt and never used them and i would like them to stop it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed 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 2020-01-31 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: GA

Complaint narrative:
I was trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$41.00} XXXX XXXX XXXX {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This is the second complaint I am sending about target ... when I made a payment over the phone with a representative on XX/XX/2019 for {$170.00} I was told my next payment is due XX/XX/XXXX.. 

Target has reported I am 30 days late on payment and that incorrect ... 

Please review previous complaint I have submited Please have them correct credit reporting I attached a screen shot payment was made and I am not 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I submitted a claim with Wells Fargo claiming they committed fraud back in 2015 when Wells Fargo was refusing modifications and that is why numerous people have lost their homes. 
Wells Fargo told me they would get back to me when they concluded the investigation. 
Well it has been a year now and all they did was threaten foreclosure on my fianc 's home and threaten to throw her to the street and never did they answer our concerns. I had to end up buying the home in order to save this house, meanwhile Wells Fargo XXXX  my fianc and never answered us.

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 2020-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: MS

Complaint narrative:
I now received XXXX payments of {$1400.00} per month. When I placed the loan 2.5 years ago I was fully employed. My husband has been very ill over the past year and has caused a temporary hardship due to this fact. He has a XXXX XXXX which is now controlled as of date. We have had to deplete all savings in this regard but now we are starting to get back on track because my husband is back working full time. The reason for this complaint is that I talked to a Honda Financial Services financial supervisor named XXXX. She told me to XXXX XXXX a full payment which is {$780.00} to her by XXXX XXXX  today of which I sent around XXXX CST today and that I would need to make another payment by next Friday, XX/XX/20 and I committed to make that payment with her. Well apx. an hour after I made the payment a recovery service was picking up my vehicle out of my yard. I told them I had made the payment and payment arrangements with Honda Financial and they had to be at my home in error. I called XXXX back and she will not answer the phone and another representative named XXXX told me that they were going to refund my money back and they would be keeping my vehicle. I fulfilled the verbal agreement I made with her, so I do not understand how a credible business can break their verbal promise that I have complied to. They are foretelling my financial future to tell me I will not be able to pay the car note and I have had this vehicle over 2 years and I am expecting a large sum of money in the immediate future to cure all financial concern, so they have discriminated against me and lied to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Capital One GM credit card with a rewards program called Buy Power Rewards. For every GM dealership or service department work done, I accrue points that I can use toward a statement credit or toward the purchase of a new XXXX vehicle. Even if my rewards total over XXXX points ( equals to {$250.00} ), I can only use XXXX points per calendar year. On XX/XX/2020, I had service work done on my vehicle in the amount {$150.00}. As of today XX/XX/2020, I have accrued {$260.00} in points Today, I contacted the Reward Program customer service to ask that they apply points to pay off the bill of {$150.00}. The rep named XXXX kept me on the phone for almost one hour explaining the entire program to me, when all I asked for was that the rewards be applied. Due to some contradictory pieces of info that she provided, I had a few questions that she couldnt answer, so she just kept repeating herself about the program details. I finally asked to speak to a supervisor. She put me on hold several times, saying that she was looking for a supervisor but couldnt find one. Then she said that she found 3 supervisors but she would relay my questions to the supervisor on my behalf. She also said that her supervisor was in the building but she didnt know where. After repeated requests to speak to a supervisor, I was never connected to one. She admitted that she did not work for either GM or the credit card company, but was an independent contractor. She ultimately applied the reward to my credit card, but not as I requested. Instead of applying only {$150.00} in rewards, she applied the entire yearly allotment of {$250.00} to my credit card. When I advised her of this, she said it was her mistake and she'd fix it so that only {$150.00} would be rewarded. I called back and spoke to another rep named XXXX and he said once the reward request has gone through, it can't be changed. So now I have to either get a refund check from the credit card or leave the credit in case I need more service work done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to use my Bank of America MERRILL+ Visa Signature credit card to make a purchase on XXXX  on XX/XX/2020. The transaction kept  getting denied. I did not receive any fraud alerts or indication that BOA was denying the transaction. I called in to inquire. It was revealed that my card was blocked and they could not unblock it because the department in charge was closed at the time that I called. I was advised to call back the next day. The next day all my Bank of America cards ( 2 ) were closed and I lost the cashback balances I had on them. I tried to redeem them by calling in but was informed that it would not be possible.

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