vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
ON XX/XX/XXXX I WAS GOING OVER MY CHECKING ACCOUNT AND NOTICED, THAT THERE WAS A WARNING SIGN ON MY CREDIT CARD STATEMENT. THIS WAS DONE LOOKING AT IT ON MY CELL PHONE. IT SAID THAT I WAS OVER MY LIMIT. SO I STARTED LOOKING AT THE CHARGES. THERE WERE 18 CHARGES ON MY CREDIT CARD THAT DID NOT BELONG TO ME. SO I CALL WELLSFARGO CREDIT CARD FRAUD DEPARTMENT, AND TOLD THEM THAT THESE WERE CHARGES THAT I DID NOT MAKE. I TOLD THEM THST THE LAST TIME THAT I USED MY CARD WAS AT THE XXXX XXXX XXXX ON XXXX XXXX, AT XXXX XXXX, I WAS LEAVING MY NIGHT JOB, GETTING READY TO GO TO MY DAY JOB AT XXXX XXXX. IN THE BEGINNING THEY GAVE ME MY MONEY BACK, THEN THEY REVERSED IT. THEY SAID, THAT MY CARD WAS PHYSICALLY USED. I TOLD THEM THAT THAT COULDN'T BE BECAUSE I HAVE MY CARD. THEY BASICALLY CALLED ME A LIE. THEY NEVER INVESTIGATED ANYTHING. ONE OF THE CHARGES ON MY STATEMENT WAS FOR A HOTEL IN XXXX, I HAD MY SISTER LOOK IT UP. WE GOT A PHONE NUMBER CALLED THEM THEN WENT DOWN TO THE HOTEL. I ASKED THE MANAGER, YOU GUYS DON'T CHECK ID WHEN CHECKING IN. HE SAID IT WAS DONE MOBILE TO MOBILE. THAT THEY NEVER HAVE TO EVEN SEE THE PERSON. IT WAS A SIGNATURE ON THE RECEIPT THAT DID NOT BELONG TO ME. SO THERE WAS A WELLSFARGO ACROSS THE STREET I WENT OVER AND SPOKE TO A BANKER THERE. HE REACHED OUT TO THE CREDIT CARD DEPARTMENT ON MY BEHALF, AND SUBMITTED THE DOCUMENTS THAT I GOT FROM THE HOTEL, VIA FAX. THEY DENIED ME A SECOND TIME, SAYING THAT THEY INVESTIGATED. DENIED ME AGAIN. SO I FILLED OUT A POLICE REPORT SUBMITTED TO THEM, VIA FAX. THEY DENIED IT AGAIN SAYING THAT THE CARD WAS PHYSICALLY PRESENT .I TALK TO SOMEONE FROM A DIFFERENT BANK AND THEY TOLD ME SINCE I FILED A POLICE REPORT THAT I CAN ASK FOR ALL CAMERS TO BE PULLED. SO ON XX/XX/XXXX I CALLED AND SPOKE TO A SHARETTAIN CLAIMS, AND ASK ALL CAMERS TO BE PULLED. I ASKED FOR PROOF AND DOCUMENTATION SENT TO ME. THEY TOLD ME I HAVE TO WAIT. I HAVE TAKEN OFF WORK TO TRY AND HANDLE THIS. IT IS VERY FRUSTRATING. I BEEN IN TEARS. 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 2022-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/16 I contacted XXXX Bank via the number on my statement and followed the automated system directly to an option to request a payoff. Once there I was placed on a XXXX minute hold. The customer service rep ( XXXX ) revalidated all of my information and then offered to send a payoff via fax or standard mail, no email option available. I provided a fax number and was advised that I may have the payoff in an hour. My new lender requested that the payoff or additional documentation be provided noting that no further charges would be allowed and that the account was frozen/suspended until payoff. This request was met with confusion by my customer service rep who then offered to get me to someone to help. She transferred me after a XXXX minute hold to a licensed mortgage originator who absolutely could not help. The originator said that she could certainly get me where I needed to go placed me on hold and then terminated the call. 

Then to add insult to injury when I emailed XXXX to advise of my experience and avoid any more time on hold, nearly XXXX minutes invested into requesting a payoff, my email bounced back as undeliverable. I firmly believe that once I advised that the purpose of the request being for a refinance that the delays and misdirection started. I could not get a straight answer concerning additional fees related to the payoff, any penalties, closing fees, release fees, etc. All information that my new lender will need to properly process the refinance. What a miserable experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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 2022-02-16 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
I was a victim of identity theft. I sent XXXX, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-02-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I sent correspondence about the debt that I allegedly owed. I ask for information to validate the this debt was mines which I never received EVERYTHING REQUESTED in the letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
Please see the attachments because they contain my complaint in full with my requests along with my ID. I XXXX XXXX am also submitting this complaint on my own and I have not been influenced to do so by anyone or third party.

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 2022-02-16 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: WA

Complaint narrative:
On XX/XX/2021, I noticed two fraudulent charges on my credit card while reviewing transactions. 

One was for {$110.00} ( XXXX XXXX  ID XXXX ) and the second for {$100.00} ( XXXX XXXX ID XXXX ). 

I called Barclay immediately to report my card number had been stolen and requested a new card. At this time, Barclay said they would investigate. Approximately a week later, Barclays put the charges back onto my card, stating that I'd done business with the merchant before ( while it is true I have purchased items from XXXX, I had never interacted with this seller nor had ever purchased XXXX XXXX  on XXXX ). I began a weeks long process to have the charges taken off my card. 

I have submitted sworn documentation to Barclays stating the charges were fraud, I have held a conference call between XXXX and Barclays where XXXX verified the charges were fraud, and I have spoken to a fraud investigation manager. After the call with the Barclay manager, the charges again were removed from the card in early XXXX. 

On XX/XX/XXXX, Barclays has out the charges back onto my card, and has no note or record of the call with the manager or the XXXX representative. XXXX also sent information directly to Barclay to verify the fraud. 

I will close my card as soon as this case is resolved. I suspect they are trying to extort money from me since it can not be recovered elsewhere.

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 2022-02-16 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Midland mortgage they charging unnecessary charges, My house value went up by almost % 40 I called the company to appraise the house to take off the mortgage insurance PMI they refused even though the house extra value covers more than % 30-40 of the loan I have done the same with different mortgage company and different house and they sent an appraisal and they took off the mortgage insurance

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 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Hello I opened a Citi AAdvantage XXXX  card, which proeminently featured " no annual fee '' in multiple places ( on the website, marketing material and even the disclosures, evidence attached ) However, the credit card I received, while similar in color and in name, came with different conditions. The most glaring difference is the disclosure : the website said " Annual fee : None '' while the paper disclosure I received said " Annual fee : {$99.00}. However, the annual fee is waived for the first XXXX month ''. 

I never agreed to that. 

As the advertisement did not clearly and conspicuously state this membership or participation fee that could be imposed, I consider this a direct violation of 1026.16 ( b ) ( 1 ) ( iii )

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 2022-02-16 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: NY

Complaint narrative:
Myself XXXX XXXX XXXX recently viewed my Equifax consumer report # XXXX and noticed Equifax continues to report inaccurate fraudulent inquiries on my report and states they verified these items but have not provided the evidence or proof required by law of the reinvestigations that Congress has laws sent in place. Equifax continues to violate my rights to privacy and rights under the Fair Credit Reporting Act to fair and accurate consumer reporting that they assumed the grave responsibility to do so. Equifax continues to be noncompliant and negligent in this matter opening themselves to civil liability in a court of law. Please deleted the items I have mailed them information on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I have been a federal employee at the US Department XXXX XXXX continuously since XXXX. I am one of the people who originally applied for Public Service Loan Forgiveness in XXXX when it came into effect and was given false : illegal information then by my service provider about which repayment plans I could use. When I then sought to collect in XXXX after XXXX on-time, full payments I was again given wrong information and told I do not qualify for PSLF due to being in the wrong repayment program. When the PSLF Waiver was announced on XX/XX/XXXX, I applied immediately and all of my paperwork was completed and submitted by XXXX. Since then, I have spent. I less than 35 hours on hold trying to contact someone to find out the status of my application - confirm receipt, ask how we will be notified, see if anything is missing, etc. I have also checked at all of their online locations to try to get information, but just shows as pending. In all of the XXXX times I have called for information from XXXX or Dept. Of Education, no one has ever answered the phone. After an hour today I got through to XXXX # XXXX at XXXX explained I was calling about the waiver and had already been on hold for over an hour and have called multiple times and she promptly told me there is nothing she can do but send me to a waiver specialist at an unadvertised number. I told her no one ever answers that number and she said it is the only thing available. After being on hold there for another 75 minutes, still no one has answered. It is the same routine every day and in all the dozen+ times I have called in no one has ever answered. These so-called waiver specialists DO NOT EXIST. The providers are still playing games and trying to make it impossible for us to collect on the waiver and original PSLF as we are entitled!! I have served this country for almost 20 years, including a tour of duty in XXXX, and cant believe that public servants like me are being treated this way by these crooks. Meanwhile, they did transfer my loans from XXXX to XXXX, so what the heck is happening with my waiver application? 

I sincerely hope there will be some accountability on this issue. My loans should have been completely forgiven in XXXX and yet here we are still dealing with this same nonsense and buffoonery as I still dish out hundreds of dollars a month that I shouldnt have to pay. Its criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: PA

Complaint narrative:
I was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-02-16 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: PA

Complaint narrative:
I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NV

Complaint narrative:
Over the course of the last 60 days, I have been receiving random text messages from a MRS collection agency. As most of us do, I disregarded the message as spam. I also have received daily calls from a local area code and again never answered thinking it was a robo call. Today, I noticed on my credit bureau a collection account from MRS for the amount of {$670.00}. A call then came in from the same local area code and I answered it. It was this MRS collection agency. They stated I owed {$670.00} on cable boxes from XXXX XXXX. I told them the house where those were located was sold over a year ago and my ex wife was to have returned them as I do not have them. They demanded the {$670.00}. I asked if they ever sent a bill or 30 day notice as required by the State of Nevada and they stated it was sent to the old address. I complained that I was unware of the liability since I was never, ever notified and by law I had 30 days to dispute or pay it upon receiving the letter. I told the collection agent that I am more than capable of paying the bill but that they violated FTC and Nevada collection laws by not sending notification. They said they attempted to contact me numerous times on the number they called on today. I said I never answered the call, nor did they ever leave a voicemail. More importantly, I asked why they were using " trickery '' by calling on a local 775 area code number, when they are located in New Jersey. She gave no answer to this deceptive practice. I told them I know nothing of the bill but I would pay it but first I wanted it immediately and permanently removed from my credit profile ( not just showing paid in full ) but they refused. I would like the CFPB to please contact them, have them completely remove it from the three credit bureaus ( not just show it was paid ) and protect my consumer rights. I believe a fine against them for deceptive practices would be appropriate. They have now harmed my stellar credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief