vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I had applied for credit with XXXX under their " XXXX XXXX XXXX  '' program which offered me a line of credit through Citizens One. The understanding was the credit was offered due to product which was currently in stock and available. I went through the full approval process, which included a hit on my credit report and received confirmation that the credit was approved and my order was processing. After 10 days of no communication, I received a generic message letting me know that my order will not be fulfilled because there was not enough stock to fulfill the order. This left me with an unusable credit line, a hit on my credit report and not product that was implied to have been in stock and available. The retailer this was with was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
TO WHO IT MAY CONCERN ... I did not have online banking with Wells Fargo Bank, what i had was a Direct Deposit account.Someone at Wells Fargo put me on Online banking without my knowing.On XXXX XXXX i went to check my e-mail, and was shock to see the amount of mail i got from Wells Fargo Bank.I ring XXXX XXXX XXXX XXXX to ask what was going on in my account. I explain to the lady who answer the phone that i did not order no payment to anyone.Please do not allow this payment to go through. She said its nothing she can do, its already gone out..She then started to give me a new acc #. She told me a virus is in my Computer, which is a lie, i check it out at XXXX XXXX. The money was transfer from my account at Wells Fargo to another account at Wells Fargo..Total amount transfer $ XXXX.I did talk to the Fraud dept, still waiting to hear back ... The only money that goes into my deposit account is a pension from the XXXX XXXX, i used to live and work there.Social Security from USA and a pension from 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 monetary relief
Consumer complaint received 2021-07-02 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: IL

Complaint narrative:
I'm having problems with resolving my Dispute with my Capital One XXXX card. I was billed for services not owed By XXXX XXXX without consent. A third party already paid off the XXXXXXXX XXXX  and XXXX  has continued to accept payments for services already paid. Capital One refuses to submit the dispute with XXXX XXXX demanding to have documents received by me first before disputing my payment with the merchant. The XXXXXXXX XXXX  is collecting double payment intentionally knowing that payment has already been paid off. The bill now has an over- payment credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.

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 2021-07-02 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: GA

Complaint narrative:
I have been disputing these late payments on my account because they are inaccurate reporting on my account.. I have sent in letters to Experian asking for ALL investigation and was not giving anything. Its been 2 months and they are still violating my consumer rights by report this inaccurate information and its getting frustrating.

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: MN

Complaint narrative:
In XXXX of XXXX  I was accepted into a property tax deferral program offered by the Mn XXXXXXXX XXXX XXXXXXXX. I am to pay a portion of my taxes and Revenue loans me the money for the rest. I sent my paperwork several times but here it is XXXX and US BANK still cant get it corrected. I also sent them via a certified letter that I no longer wanted to escrow my taxes and insurance. I owe about XXXX XXXX on a XXXXXXXX XXXX house. Well, they want me to pay the full amount and this is even after the head of the program contacted US bank. From XXXX until XXXX of this year I paid the full amount even tho I am supposed to get a break. In XXXX I paid just mortgage and interest. So they charged me 30 rca fee and put my payment in suspense. Then they also told me that I couldnt use their bank app due to bankruptcy! I never filed for bankruptcy!! Then they lost the paper where I withdrew from escrow. So I am Re sending it again. I even was going to re finance my house with them and get just enough to fix it up but I wonder. I know they are large but I think whats happening is very unfair

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 2021-07-02 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: ProCollect, Inc.
State: TX

Complaint narrative:
Identify theft not my account at all I sent you guys my police report due to the situation some how when someone use my name it got placed on my credit it needs to come off I already filed with the FTC I feel Pro Collect Inc. is playing games due to a police report I sent in mail for the apartment named XXXX XXXX XXXX instead they get it mixed up with another apartment called XXXX XXXXXXXX XXXX which I didnt have a police report for that apartment those not have anything to do with the XXXX XXXX XXXXXXXX XXXX is not my account either! Its identify theft!

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 2021-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover Bank Card Established An Account in my name without my permission In XX/XX/2019. I was not Aware of this Account until XXXX. I contacted discover And made them aware that someone had stolen my information from the address that I was living at And had not resided At since XXXX of XXXX. I have tried to make myself clear that I am not responsible for Any of the debt or Anything else that discover is taking action to persuade and Demand! As I have stated I Am A victim of identity theft fraud And my information was stolen! Discover financial needs to stop harassing me! Stop sending notice to the credit reporting agencies And stop sending corespondent letters to my current address about this account because its not mine. The company calls my personal phone number 50 times A day And I have insisted that the calls stop and they have not! I am definitely demanding all communication be stopped or legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I initiated a {$2600.00} money transfer to XXXX on XXXX XX/XX/2021 around XXXX in westerunion.com. When I initiated the exchange rate displayed was XXXX for transferring to a bank in XXXX from a bank account in US. But after submitting the transfer the exchange rate displayed on the transfer was only XXXX. I immediately came to money transfer page again and checked what is the exchange rate and it displayed XXXX. 
I thought there was some error in the website that cached a old rate and went to another browser to check the exchange rate on westerunion website but the exchange rate for transfers above {$1000.00} was still coming up as XXXX. When I tried {$800.00} it displayed exchange rate as XXXX. 
So what I guess has happened is western union has imposed a incorrect exchange rate on my transfer which should have been imposed on transfers below {$800.00}. 
I was on the call with the customer service agents for almost 2.5hours and they did not agree the glitch in their system, so I decided to submit a complaint to the consumer finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank will continue to get a complaint a day until they finally take this seriously. Every single other card company has all documents and can see what clearly happened. Myself and my family are the victims of Identity Theft and Fraud! Citibank has made several poor decisions and continues to do so by changing charges back and forth. Well I can clearly say this. Myself and my family were not involved in any of this fraudulent activity and we certainly didn't steal our own identities. Citibank continues to make very random and very irresponsible moves since their communication is less than bad between departments they have built within silo 's, having limited ability to see each others notes or collect the plethora of documentation we have sent in. If this is not resolved in the way that follows, we will be filing suit against Citibank, which will be the only one of our creditors involved. When the bulk of your team has poor systems and therefore poor access they make poor decisions. There are three Security Operations Managers and a Fraud Manager that made very good and sound decisions these people should be placed in higher leadership roles. My attorney will be sending a letter soon, and if this is not resolved in the manner that it should ( re-establishing our credit lines and repairing our credit quickly ) we will be taking action that we did not want to take. This is not a fun thing for a person like myself to do but Citibank need to be shown to the public how messed up they really are. Then maybe, they will start making changes to treat good customers, like my family since 2006, far better.

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 2021-07-02 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX  Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp
State: CA

Complaint narrative:
Lending Club continuously reports extremely late by multiple months negatively affecting my credit score & reports. I've asked them to correct this and even filed a direct dispute with Lending Club and the credit bureaus. They updated some of the bureaus with different information that doesn't even reflect my correct balances for any of the months that are missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

Over thirty days ago, I wrote to each credit reporting agency XXXX XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelliloan, Inc
State: CA

Complaint narrative:
Attempting to refinance the only mortgage on our only residence, we initiated a loan quote with Intelliloan on XX/XX/XXXX. After several rounds of negotiations, I agreed to a rate on XXXX and told the " Home Loan Specialist II '' to move forward. Not using the exact words " Please lock in my rate '', I said " Let 's do this ''. Anyone reading the string of emails will recognize the intent to lock in a rate and start the funding process. 

On Monday XXXX I followed up in an email asking for confirmation that Intelliloan had everything and we were good to go. By the end of the day I rec 'd an email stating my loan had been started. 

On Thurs XX/XX/XXXX I rec 'd an email stating that I had not submitted paperwork. I let XXXX know that, as they indicated, they sent the package out XXXX Mon, I didn't receive it until Wed XX/XX/XXXX. The package came Wed evening, my wife was out of town until Thurs night. We stayed up late Thurs night in order to complete the paperwork and scan before Friday XXXX. Friday XXXX we shipped the paperwork back and uploaded the docs into their portal, as well as email them directly to XXXX. 

From there I would check in with XXXX XXXX XXXX XXXX periodically and was told everything was ok. Except I got an email from XXXX on XX/XX/XXXX, which is now 9 days after I thought the loan started, stating there was missing documents. I provided a screen shot to XXXX to show the docs were there. 

Anytime there was a request for information, the information was immediately furnished so there would be no reason for any delays in funding. 

On Thursday XX/XX/XXXX I called expecting the loan to close in a couple days and wanted confirmation of such. Instead, I was told that there was no loan. The rate was never locked in. When I pushed XXXX said he could go back and give me a rate that would have been available around middle of XXXX, higher than the rate I locked in. After many phone calls with XXXX and he would check with his boss, check his emails, ect, all he would offer is the same thing, the middle of XXXX rate. 

I had to jump to another lender and start the process again. And with focus on that I put off writing this review with the intent to warn or help others with this company. I've learned that some companies have a practice of not locking in the loan when they should, and they gamble that the rates will go lower. So if you lock in a 3.0 % rate on Monday, the company may want until Wed to see if the rate comes down. If Wed the rate is 2.8 % they're not going to tell you, instead they will sell you a rate of 3 % while they pay 2.8 %, increasing their profits. With no proof I can only speculate that's what Intelliloan did. 

As I'm writing this I realize there's at least one complaint on XXXX for the same date XXXX with the same issue, the runaround until the loan doesn't happen. 

Please be warned and be careful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/21, I was at work and was alerted that the phone number on my bank account through Chase Bank was changed. I did not make this change. I immediately went on to the banking app and saw that there was a new joint savings account opened in my name by someone named XXXX XXXX ( clearly a made-up or stolen identity, as I have no relations to anyone by that name ) ending with XXXX. {$15000.00} was already transferred out of my savings account. While I was on hold trying to get on the line with a customer service representative, an additional {$30000.00} was transferred out of my savings and checking accounts into this fraudulent account. I immediately filed a complaint and initiated a claim with Chase and went to my local police department to file a police report. I subsequently locked all of my credit bureaus. Two days later I went to a local branch to submit another complaint and to continue with the claim. Five days later I received the official police report and went back to the XXXX branch to submit the official report. The banker stated that she faxed over all the necessary paperwork for the claim to Chase 's Identity Theft Department. Three days later I had not received any updates so I called to follow up on the claim, and I was informed that NO official claim was submitted and no paperwork was received. The next day ( Saturday ), I went to a different branch to follow up once again. All the paperwork was re-faxed, but the bank did not " start working on it '' again until two days later ( Monday ). Two and a half weeks later from when the fraud was completed, I receive a notification that my claim was rejected because the transaction was 'processed correctly or authorized ' and that no adjustment was going to be made to my account. I authorized no such transaction and am hence submitting a formal complaint against JP Morgan Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
the lender purshase my loan and cancel the insurance that was escrowed the incrise my payment from XXXX to XXXX XXXX, wene i ask them the reason they said it was for escrow cushing and i compaint that it was to much and she told me it was a normal increase but, she did not told me they added their one insurance for XXXX a month and the old XXXX was XXXX a year, it is a renters insurance the lady that is in charge of my loan is XXXX XXXX and she is the only one that soposible can help with the loan but she is very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: CITIBANK, N.A.
State: CO

Complaint narrative:
For three months we have received fraudulent charges to our Citi Diamond Preferred Mastercard. At first they reversed the fraud charges and reissued our cards. Then 2 months later we are still receiving fraudulent charges that they say are coming from the original card. We asked them to reverse the latest charge and close the account, but we just received an email stating they reversed the charges and are sending us new cards. I have called at least 5 times about all of this. It is next to impossible to get a person and when you do they don't seem to know what to do. I've asked for a supervisor and they hang up on me. I don't want this card, I do not want to deal with this company, and I am at the end of my patience We don't even use this card. I think it's astonishing that you can't get a customer service person that has the authority to take care of this.

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