vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 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 — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In regards to my CC ending in XXXX, I filled a claim for a charge of {$81.00} on XX/XX/2021 ; The correct amount I should have been charged is {$35.00}. For backstory, I went to XXXX XXXX in NY for a work meeting, I bought three rum and cokes and they were {$9.00} each, after tax and tip my total was {$35.00} for the three drinks. I left and came back within the hour and ordered the exact same three drinks but this time I was with my coworker, my card was on file. Upon waking up the next morning ( Knowing I never accurately signed a receipt upon leaving ) I noticed a charge of {$81.00} including the original {$35.00} from my first visit. My guess is that the bartender put my coworkers drinks on my tab and possibly my coworker may have signed the receipt. In any case, there should only be two charges for {$35.00} ( generously ) and I was wrongly charged {$46.00} which isn't a large sum of money but Wells Fargo basically told me to go XXXX. 

Would love to see this get resolved as its not so much about the money but the principle and shadiness behind Wells Fargo Claim process.

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 2021-12-24 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My account has recently been closed due to inactivity. It is XX/XX/2021, I have owned a chase account for more than a year and would always have my school and work checks deposited into the account. Recently I have started up a business which calls for me to take money via XXXX app so most of the time I just let my money sit in there. On XX/XX/XXXX, I was hired by a company that would have required me to have a direct deposit account on file. I logged in and at that time was able to retrieve my account as well as my routing number. On XX/XX/XXXX, I tried to login my account once again to check the balance and see if my check had hit early before XXXX. When I logged in it showed that I no longer had any account with the company. Therefore I called to see if the problem could be an easy fix. Not only was I hit with rudeness and negligence but flat out just being lazy. I begged and pleaded with a manager to try and help me because without this expected money I will not be able to purchase gifts for my XXXX XXXX XXXX daughters FIRST XXXX. At that point, I was given the option of going into a branch but that is not possible as of right now for me. Chase intends to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Without being notified my regular payment of only XXXX that Ive been paying for the past year has gone up to XXXX. I called all of my insurances and even verified that my escrow was paid in full before the end of the year. My mortgage was sold twice and the second time they had to input information in wrong. I called them and they were just as confused. They sent my case to the escalation team and they never got back with me. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
A mortgage officer/sales manager offered first rates and terms with no restrictions. An executed purchase contract was provided to Citizens Bank on XX/XX/XXXX with no response. I contacted the mortgage officer by email on XXXX XXXX to follow up on next steps and received a email undeliverable message. I had to contact a general customer service line at the bank to determine who I should contact, since I had received no indication that the first mortgage office had left the company. 
I reached out to a second mortgage officer who declined to honor the unrestricted rates and terms and indicated that the first mortgage officer was not authorized to offer the first rates and terms and that she could offer second rates, which I declined. I requested by email that the matter be escalated to determine why the first rate and terms were offered to me at all. 
XXXX XXXX I had to reach out to the second mortgage officer, by phone, since I had not received any response by email and again asked the matter to be escalated. 
That afternoon I received the second rates again from the second mortgage officer, with no acknowledgment that these were different from the first rate and terms or that they had been previously offered on XXXX XXXX. I reached out to a supervisor who was also not able to answer questions about how the first rate and terms were offered and again declined to honor the first rate and terms. 
The evening of XXXX XXXX the second mortgage officer indicated, via email, that the rate for the application had been locked at the first rate with an exception requested for discounts points needed between the second rate and the first rate. The second mortgage officer indicated that disclosures would be circulated on XXXX XXXX. 
The disclosures were not provided until XXXX XXXX. The rate in the disclosures was locked at the first rate ; however, the PMI and closing costs were highly elevated above the first terms such that the mortgage was unreasonable. This complaint followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I received an offer from Capital One to obtain a business credit card. So I called & applied. 
When I applied, the rep asked for my social security number. I advised her I was applying under my business Tax ID. She said they just use my SSN to verify my identity. They tried to pull my credit report but my credit was locked. I asked again that I did not want it under my personal credit. She assured me it was a business cards and would report under my Tax ID. I unlocked my credit so they could pull my report and verify whatever they had to do. 
Fast forward to yesterday, I received a credit alert that Capital One reported to my personal credit. The card and balance were reported to my personal credit, contrary to what what was advertised & what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24 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: TN

Complaint narrative:
A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted XXXX to dispute it. XXXX sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It 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 non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: KEYCORP
State: NY

Complaint narrative:
Received an email from XXXX that my personal information was being used to open an account with Key Bank for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: CA

Complaint narrative:
XXXX continues to furnish an alleged debt that does not belong to me. I have attached copies of a cease and desist letter, a right to rescind letter, and an expression to opt-out of the sharing of my nonpublic personal information with third parties. I never received an opt-out disclosure in regards to the alleged 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 explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Every morning this week XXXX keeps calling me, waking me and my family up. Pretending to be chase to try to collect my debt. My phone hangs up on them or I end up hanging up on them. This is in convenient and affecting my sleep. Please stop them from calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY 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 2021-12-24 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: MOHELA
State: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX, and US DEPARTMENT OF EDUCATION are violating my consumer rights. They keep transferring an alleged debt and reporting it to third parties without my consent. I didn't receive proper disclosures in regards to an unauthorized consumer credit transaction and they never provided me with original document evidence bearing my signature in wet ink.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX, and US DEPARTMENT OF EDUCATION are violating my consumer rights. They keep transferring an alleged debt and reporting it to third parties without my consent. I didn't receive proper disclosures in regards to an unauthorized consumer credit transaction and they never provided me with original document evidence bearing my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have been experiencing challenges due to covid an with that came shortage of income. I had good standing paying my card but in the last three months could not pay the minimum or was late paying it. I only missed XXXX and XXXX but mind you the added steep each month for being late. I sent XXXX payment to them to rectify my past due balance.account was not updated called and representative lied and said that my account was closed not restricted for two payments as website stated. Told representative that I did not get letter in mail stating that I had 5 returned payments and even the online website does not support that.This creditor is accusing me of closed my account and mislead me in order to gain fund. There have no attempts to contact before closing my account. The company closed my account for reasons other than stated on phone and closed my account.i asked to speak to a manager several times to fix the misunderstanding and representative stated that she was the only one to speak to and my account will not be reopened by anyone and that the reasons are in the fine print that no one reads.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TN

Complaint narrative:
A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted Equifax to dispute it. Equifax sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: SC

Complaint narrative:
I have a mortgage that was transferred to the The Money Source from XXXX XXXX. Account XXXX I started covid forbearance with XXXX XXXX and requested to come out of forbearance. XXXX XXXX transferred the loan at that time. I was mailed a payment plan. The payment plan was XXXX dollars more a month than my orginal payment. Due to the fact that the escrow did not reflect my VA XXXX. However, the money source couldn't correct this amount until after the 3 months of payments. I paid the 3 months and they finally realized the amount was an over payment. 

Currently I am making payments still on the first of every month and we haven't executed a plan. I came out of Covid forbearance with my first payment in XXXX. 

While a have been making my payments, I would constantly get harassments calls about payments not getting made from XXXX XXXX. 

The latest issue with TMS is the fact that I have reported to the Credit Bureau that I have not made payments for 60 days and now my credit rating is messed up. XXXX to a XXXX and dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Our mortgage servicer, Dovenmuehle Mortgage, has been escrowing our flood insurance, which is in the range of {$1000.00} per year. But the payment of the flood policy is included in our HOA monthly payment and our HOA pays the flood insurance annually. 

We had the same issue last year and I spent countless hours trying to resolve it with them. I was only successful after I filed a complaint with the CFPB. This year, I have to do the same thing. I can't believe that I have to spend hours each year to resolve such a simple issue. We are not even behind on our mortgage. Every payment is made on time. In fact, we are paid ahead. It's illogical that I have to keep having this fight every single year. I don't have time time to do this every year. I have a special needs child and a demanding career. It's simply unacceptable. 

At this point, the only acceptable resolution to this issue is to de-escrow the loan entirely. I can't have this battle with the servicer for the next 28 years. It's simply unacceptable. The HOA pays for the flood insurance. I am sick and tired of having to pay twice for this. I will simply not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Zip Co US Inc.
State: WA

Complaint narrative:
I use Zip ( Quadpay ) for online shopping due to ease of use and to keep my debit/credit cards hidden when I shop online.

I used Zip for 2 separate XXXX orders in XX/XX/2021. I recently ( XX/XX/XXXX ) returned items from both transactions and the refund total was {$380.00}. This amount was confirmed by receipt as well as XXXX customer service. 

Zip refuses to refund the full amount, and instead is sending inconsistent emails with different amounts promised as a refund. Please see attached emails with varying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TN

Complaint narrative:
i am a victim of identity theft i need this resolved asap

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 2021-12-24 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: TN

Complaint narrative:
i am a victim of identity theft i need this resolved asap

Company response to consumer: Closed with explanation