vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was in the process of buying a new home and the lender ( XXXX XXXX ) requested statements from my closed XXXX account. In an effort to do so, on XX/XX/20, I called a number I found online claiming to be XXXXXXXX XXXX customer service and that's when my issues began. I spoke with a XXXX XXXX at XXXX ( I have several text messages to support this ). In a well engineered process, they asked me to log into my bank account to verify my identify and conduct a series of test transactions to increase my daily limit as well as install an app to read my screen to better assist me. I felt uneasy about it but my back was against the wall as the lender ( XXXX XXXX ) wasn't going clear me to close on my new house ... so I followed suit against my better judgement. We did three transactions, to which the money was instantly credited back to my account ( they did this to gain my trust ), then they asked me to do the final test to be able to access my statements, the last test was a wire transfer to one of their managers XXXX XXXX which will not come from my account, so when I did that, the money left my account and all of sudden they started having technical issues and wasn't able to reversed the funds. I was placed on hold and was desperate to get my money back because it was a part of my down payment. I contacted my bank Wells Fargo and they told me because I authorized the transfer they could not reimburse me. So I called XXXX XXXX  to see if I could resolve this directly with the receiving bank and they told me they couldn't access this XXXX XXXX account because I was not the owner and they could get into trouble for doing so and advised me to work with my bank 's ( Wells Fargo ) wire department, which I did. Today, I received Wells Fargo final decision not to reimburse me for the money I transferred. As of last Friday, XX/XX/20 my account was under attack, someone tried to make a purchase using the new debit card the bank issued as part of the XX/XX/20 issue. My second replacement card is on the way. I need help resolving this with Wells Fargo or XXXX XXXX I would like them to at least try to get my money back from an account belonging to scammer XXXX XXXX from Pennsylvania.

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 2020-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had purchased a flight ticket for my wife throw XXXX .Flight was delayed for about 2hours and made her miss the rest of the flights. 
We were covered for full refund under XXXX  policy .they told us to file a refund application and with in 30 days, we will receive the money back .After 30days, i never got the refund, I contacted them and they asked us to wait more time with no specific date .i waited then I filed claim with capital one credit card services .They answer stating that I didnt contact them for the refund and If I have their refund policy .So I did provide documentations and proofs about their policy and the delayed flight refund application .Those documents proved my rights and also showed how XXXX  is commenting fraud. 
Capital one closer the case even I have proved all my rights to them, agents doesnt Seems to care and I feel that I have been neglected and took advantage of .I just want my rights as citizens of the united state and as the low says so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 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: FL

Complaint narrative:
Personal statement : After checking my credit for a store card application I realize that tere were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. 
Please note these for future issues, 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 explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
Ive notice a collection reporting on my credit report in XXXX and I sent out a debt validation letter on XX/XX/2020. I never gotten a response to that letter. The debt that has been reporting has never been verified to me and I would like for it to be removed from my credit report. The company has never contacted me to advise me of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Through my BOA mortgage I pay my taxes and insurance through escrow. For some reason there is always a delay with the escrow account not paying my homeowners insurance policy with XXXX XXXX and I would like to have it addressed especially since I received a letter from the insurance company saying that they will terminate my policy by XX/XX/2020 if they do not receive payment soon. I received a similar letter from BOA dated XX/XX/2020. I received this letter on XX/XX/2020. The instructions on the letter states that I should upload my current policy to ihaveinsurance.com/bankofamerica and the loan number which was done. I think the issue stems from my property have different addresses listed with the postal service and township. The address listed with the township is ... 

XXXX XXXX XXXX XXXX PA XXXX and the address with the postal service is XXXX XXXX XXXX XXXX PA XXXX These two addresses are for the same property and is listed as such on the letter I received from BOA.

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good Afternoon, I have a Capital One Platinum credit card for ten years now. I realize that I am being charge an annual fee/ member fee for XXXX on a card that has a {$0.00} annual fee. You can check Capital One website, XXXX XXXX, XXXX XXXX, XXXX.All sites boast {$0.00} annual fee On Capital One Platinum card, there is NO member fee. I called and spoke with a rep that couldnt explain to me why only said I had been paying it annually every XXXX and suggest I apply for one of Capital Ones other cards. Which was strange of him to suggest. I sent an email to their corporate officers and have not received a reply. When I XXXX issue there are other people experiencing same issue without explanation or prior correspondence explaining fee. I have been keeping a XXXX balance on the card of late and thats why it as in fee stood out to me. I want the new fee waived on my XXXX statement, not too much to ask for after ten years as a customer AND my previous funds paid back to me of XXXX.I went back to beginning of this Platinum account and was actually charged an ANNUAL fee of XXXX and even charged twice XXXX on same bill same year same time twice?????????? I have snap shots of all previous statements and can proof what I have written. I also have Capital One and statement of {$0.00} annual/ member fee. In any case Capital one is a bank one can not be charged a membership its not a credit union or cooperative. This is a total fleecing of customers its shameful and someone other than company should look into it and have EVERY person who has and is experiencing such fees on a self proclaimed {$0.00} annual fee card contact FDIC, AG, Social Media outlets etc. Thank you for your time and attention to this matter. 
Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Thank you for submitting documentation that clearly reflects, on page 5,  that the administration fee was NOT non-refundable. Now that you have provided documentation that proves you fraudulently placed that erroneous debt on my credit bureau reports, when are you going to remove it? You should be ashamed of the way you are harassing me with a debt I do not owe and unethically refusing to remove it from my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: OH

Complaint narrative:
XXXX/XXXX XXXX These are not my accounts. Please provide physical verification for these accounts and method of verification. Please provide the original instrument of indebtedness or remove off credit report. 


# 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 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
XX/XX/2020 my wife and I entered into forbearance protection with Dovenmuehle Mortgage Inc. Due to Covid 19. 

We were told to call at the end of XXXX or beginning of XX/XX/2020 to see what options were going to be available to help us through this pandemic. 

We called back on XX/XX/2020 to check in and was offered a loan modification as an option. We selected the loan modification option and were told it can take up to 30 days to process. we were also told to start resuming our normal payments if we did not hear back from them ( Dovenmuehle Mortgage Inc ) by XX/XX/2020. 

We paid the regular payment for XXXX on time. We called in for an update on the loan modification around XX/XX/XXXX. At this time there still wasn't any information available as far as an update on the loan modification. 

We proceeded to make our XXXX payment on time. 

XXXX XXXX we were contacted by Dovenmuehle to ask if we wanted to extend the forbearance for 3 more months. We then asked about the status of the loan modification again and were told they do not have an answer. 

Friday XX/XX/XXXX, I was notified through my credit monitoring app that Dovenmuehle had reported the account 90 days late even though I was protected. 

My wife 's credit was also damaged by this as well.. 

I immediately called Dovenmuehle and spoke to XXXX and was told it was an internal error and that it shouldn't have happened and that it will be rectified. Also spoke to XXXX a senior representative and was told the same. 

XXXX said I would be emailed a letter explaining that the issue was on Dovenmuehle 's end. 

I still have not received the email and Since Friday XX/XX/2020 all three of my credit reports have been updated to 90 days late and my scores have dropped XXXX XXXX points. This is very damaging to my creditworthiness and was told it could take up to 45 days to rectify their mistakes. 

My wife 's scores dropped significantly as well. 

We were told to email their research department to let them know what had happened. 

We are not very confident with Dovenmuehle at this point. 

They can not be allowed to treat consumers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: OH

Complaint narrative:
XXXX/XXXX XXXX These are not my accounts. Please provide physical verification for these accounts and method of verification. Please provide the original instrument of indebtedness or remove off credit report. 


# 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 2020-08-10 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: OH

Complaint narrative:
XXXX/XXXX XXXX These are not my accounts. Please provide physical verification for these accounts and method of verification. Please provide the original instrument of indebtedness or remove off credit report. 


# XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have read that credit bureaus have 30 days to respond to a dispute. Well it has been nearly 2 months now, and I have received nothing from them. Not even an acknowledgement of my dispute, let alone an actual credit report. This is very frustrating as there is a simple mistake on my report I need corrected. I sent my letters out on XX/XX/XXXX, I will include them.

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 2020-08-10 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: TX

Complaint narrative:
transUnion needs to remove this inquiry off my credit profile .... 



XXXX XXXX XXXX Inquiry from XX/XX/2018 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 2020-08-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have read that credit bureaus have 30 days to respond to a dispute. Well it has been nearly 2 months now, and I have received nothing from them. Not even an acknowledgement of my dispute, let alone an actual credit report. This is very frustrating as there is a simple mistake on my report I need corrected. I sent my letters out on XX/XX/XXXX, I will include them.

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 2020-08-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have read that credit bureaus have 30 days to respond to a dispute. Well it has been nearly 2 months now, and I have received nothing from them. Not even an acknowledgement of my dispute, let alone an actual credit report. This is very frustrating as there is a simple mistake on my report I need corrected. I sent my letters out on XX/XX/XXXX, I will include them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: SD

Complaint narrative:
Equifax has XXXX XXXX XXXX on my credit report again even though I have never had an account with XXXX XXXX XXXX. I have contacted that bank and they have verified that no such account has ever existed. They do not know how to remove the info so they just tell me to dispute it but equifax has decided to replace it back on my credit report even though it is NOT mine. I had one secured account with XXXX XXXX and that is all. Also my name is not " XXXX ''. It is listed in the aliases. I do not and have not ever spelled my name that way. Anything associated with it is fraud. I know how to spell my own last name, I've was born with my last name and " XXXX '' is not it. Also, XXXX XXXX does not reflect the correct balance the balance has not been correct since they acquired the account and even though I have sent payment with the balance incorrect, they have been casing the payments and not posted one payment that I have made. Someone should to investigate and find out what they are doing with my payments and correct the balance to reflect what it was when it was with XXXX before they acquired the account from. XXXX and find out why the balance skyrocketed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On Monday XX/XX/XXXX, I was at a friends house XXXX XXXX XXXX XXXX XXXX XXXX and received a notification from Cash App that I had a negative balance when oddly I deposit {$10.00} on XX/XX/XXXX. It puzzled me and I googled Cash App Customer Service. I called XXXX and spoke with someone that pretended to be Cash App Support Services. They politely explained to me what had happened, reassured me that they could handle the negative balance as well reverse the funds back into my account. He put me on hold and had requested that I downloaded an app Team Viewer Quick Support, as I was asking him questions, I asked to speak to a manager. XXXX from XXXX called me and reassured me that they would handle this situation. They told me they had to enter XXXX in the pay out as a code and It was minutes that moment I thought to myself I just got hacked. 
I checked my XXXX XXXX account and {$2300.00} was taken out my account. By this time I had been on the phone for 1-hour talking and yelling at them to fix this problem or Im call the bank. XXXX told please do not call the bank we can fix this problem. XXXX stood in her living room and said that this doesnt make any sense. They tried to involve her by requesting to transfer my {$2300.00} to her Cash App account. I called the bank on the line while they talked to XXXX. And the bank told me that someone tried to take three different withdraws, which the last one was in the amount of {$2300.00}. The bank opened up an investigation. I am filing this Police report with XXXX Police department to report someone pretended to be Cash App Support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern My credit reports from XXXX, XXXX, and Experian have a fraud alert placed on them. This fraud alert is affecting me of getting approved for credit cards. I want it permanently removed from my credit report immediately I have mailed the credit bureaus letters but I never received a response and the fraud alert never came off Attached is my identification documents. 

Please remove the fraud alert right away. 

Thanks

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 2020-08-11 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3.XX/XX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation