vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX and XXXX, I made payments of {$500.00} and then {$250.00} to a seller I found online for some jewelery. Fast forward approximately a week and it turned out that he couldn't do it. So when I asked him for a refund, he told me to call my bank and blocked me and deleted all his accounts. So I opened claims for it through my bank, Wells Fargo and I told them that I had screenshots to prove that I was scammed. They told me to save it for later, so I did. Claim numbers XXXX for the {$500.00} charge and XXXX for the {$250.00} charge. I called them today to check in and they said it was closed already because I technically sent the money. That's not fair. I got scammed out of {$750.00} and when I told them I had proof, they asked me not to send it and to wait. I would appreciate it if you could help me get my money back from 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 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX ACCT NUMBER XXXX XX/XX/XXXX I am in receipt of your letter dated XX/XX/XXXX,  where you state that you are reporting the validity of this account and you are absolutely WRONG! 

I have attempted on several occasions to get this matter taken care of and you refuse to provide me what I have been asking since XX/XX/XXXX and that is COPIES OF ALL SIGNED DELIVERY RECEIPTS FROM XX/XX/XXXX XX/XX/XXXX where there was acceptance of ALL furniture that was delivered and accepted. I have also requested the receipt from the Delivery Company that was contracted through Ashley Furniture @ XXXX XXXX XXXX XXXX XXXX, CA XXXX, where the items were refused for delivery that I previously listed in dated correspondence on XX/XX/XXXX and XX/XX/XXXX and not a fraudulent signature on Delivery Receipt dated XX/XX/XXXX. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about the following item on my credit report. I wish to see ALL the original sources of the information reported including, but not limited to, the original delivery receipt with my signature of refusal from the delivery company that was contracted. If you cant provide me with this information, that I have requested on several occasions, you need to remove the account immediately as neither your agency nor XXXX XXXX XXXX can verify that they are reporting accurately. 

Once these items are removed, you need to immediately delete the account from the credit reporting agencies ( XXXX, XXXX, XXXX  and XXXX ) that you have reported INACCURATE information to. 

My sole purpose is to get this item removed from my credit report files. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt. 

If your company does not receive the signed delivery receipts, and refusal delivery signed on delivery receipt, you should delete all information regarding the account from my credit files within 15 business days from the receipt of this letter, as mentioned in this agreement. 

Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agencys authorized signatory. 

If I do not receive an approval letter within 15 days of your receipt of this letter, I will assume this matter is resolved. 


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 2019-09-04 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hi I don't know where to go at this point I herd that you guys would please be able to help me. I am knew to XXXX XXXX and seeing my score and what is showing on my score, trying to fix and better my life for my family. I see something from Syncb/Walmart not once but twice. Also the XXXX XXXX not to mention I have a XXXX XXXX XXXX account that is currently active and I have never applied for nor have this car, that someone is still using, I have tries emailing XXXX XXXX about all this and even XXXX XXXX XXXX and the other companies no one can give me and answer. I just don't understand I never applied for any of thay and can't figure out who or where to go at this point. Espasilly because there's an active card I am not even using. Is this a scam identify theft I don't get it. I would truly appreciate it if you were able to help me. Thank you so much

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 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received my American Express statement for the billing period due XX/XX/2019. The statement included a pending interest rate increase to my account. My current purchase rate is 8.74 %. The new rate effective XX/XX/XXXX, XXXX14.74 %. The reason for the increase according to American Express is my XXXX fico score of XXXX. I have exceptional credit and the pending rate increase is unwarranted. All accounts are paid in full each month, no outstanding loans, no negative activity /notations on credit file. My debt to credit ratio is 2 %, so how and why would I be charged 14.74 % interest on purchases. Yes, I reviewed my credit report and the term exceptional appears frequently. For those that say why would it matter if the accounts are paid in full each month, my response, I worked diligently to be a responsible consumer and paying an excessive interest rate does not reflect the exceptional credit rating I have maintained since establishing credit over twenty-five years ago. American Express does not have a legitimate reason for this excessive rate increase, but a business reason to charge an excessive rate, greed/profit. Please stop American Express from this illegal action. I have been reading other complaints of this nature and the settlement paid by American Express to consumers for illegal business practices, which they clearly are still at it. I had to review my credit file when I did not want to view it at this time, I want to be appropriately compensated for this inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed up with XXXX XXXX from XXXX XXXX, which represents Freedom Debt Relief. She did was not explain in detail the fees Freedom Debt charges after specifically asking Ms. XXXX about how does Freedom gets paid. She advised me that Freedom only takes 25 % from the deposits that were made. 

Even after speaking with numerous customer service reps and even after a customer service rep that I contacted on XX/XX/XXXX, regarding one of my accounts being negotiated ( XXXX XXXX ), still did not explain that this account was being charged {$1100.00} alone which is 21 % of how much the loan was negotiated and I had numerous accounts that was going to be negotiated. 

On XX/XX/XXXX, I spoke with XXXX XXXX on the information and advised and from what the previous customer service rep advised to me, regarding my fees on each account that Freedom charges on each account that is negotiated. That is when I have decided to cancel my Freedom account due to not given proper detailed information that I asked for even after I specifically asked for, which kept me from making a sound decision of my options with freedom. 

On XXXX/XXXX/XXXX, I requested to cancel my account with Freedom and refund my deposit of {$910.00}. My payments were deposits and deposited into a holding account, therefore my deposits are entitled to be refunded back to me. XXXX XXXX advise my deposits will not be refunded and on XX/XX/XXXX, advised my Freedom Account will be closed. Freedom Debt wasted my time and my debts went into default therefore I had to file for bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 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: CORELOGIC INC
State: CA

Complaint narrative:
Don't know who Credco, or CoreLogic is, nor have, or did I sign, any agreement, or authorization, or verbally authorize for them to run my credit on XX/XX/2019! Nor can they provide any type of documentation stating so.

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 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/19 and XX/XX/19, I was charged return payment fees of {$27.00} each for attempting to pay off my balance through what I thought was my bank account. After talking to customer service, it was a random XXXX XXXX XXXX XXXX account that was connected to my XXXX Visa Barclays Card account in addition to my regular bank account. They removed the account but did not refund the return payment fees nor provide an explanation of how the XXXX account was on my account. On XX/XX/19, I call again about this issue and they refunded my return payment fees, but no explanation regarding the random XXXX account. During the same phone call, I get transferred to credit services to inquire about a credit line increase. I ask for a credit line increase from {$500.00} to {$2000.00} per month. The customer service agent does a hard pull on my credit which I consented to, asks for my income, and rejects me because of a brand new return payment fee that he says is on XX/XX/19 ( which is in the future! ) on my XXXX Visa Barclays card account. He transfers me to someone else whom I can ask questions to about this fee, but this new agent does not see that return payment fee on my account. I do not see it on my account or any of my other credit card accounts either. I call once more and the new customer service agent also does not see this on 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
Consumer complaint received 2019-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: KY

Complaint narrative:
i purchased XXXX XXXX XXXX back in XXXX of XXXX for my wife to be, or whom i thought it was just o find out she was only using me for my money. the wedding didnt happen, we broke off our engagement, went through tough tough times, struggling with finance for a long period of time, i had to give up the car because i can no longer make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Applied for a mortgage refi through BBVA ... XXXX XXXX XXXX XXXX named XXXX XXXX. Provided ALL necessary required documentation that was stated to be required, in addition to having a satisfactory middle credit score of XXXX, only to be purposely negligently mislead, represented and obviously XXXX XXXX reverse discriminated against by BBVA, it's underwriting department, and Ms. XXXX XXXX, per attached documentation, and dialog!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: SC

Complaint narrative:
I sent a disputed through Equifax and XXXX and about hard inquires. Somebody tried to receive a vehicle in my name and also more inquires in there Idont recognize. credit inquiries on my credit file and they want take it off. I was a victim of fraud credit inquiry problem. My name is XXXX XXXX my date of birth is XXXX And my social XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/19, my husband and I met with XXXX at Capital One 's XXXX, NY branch. This meeting took place after many previous phone calls and visits. Our issue has not been resolved. 

PENDING Chargeback HOLD PLACED FROM TRIPS {$50.00} Appears on statement as : Chargeback HOLD PLACED FROM TRIPS PENDING Chargeback HOLD PLACED FROM TRIPS {$50.00} XXXX Chargeback Refer to Maker {$50.00} XXXX Chargeback Refer to Maker {$35.00} XXXX Chargeback Refer to Maker {$200.00} XXXX Deposit correction debit {$35.00} XXXX Chargeback Refer to Maker {$200.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} Appears on statement as : Mobile Deposit Adjustment XXXX DR XXXX Mobile Deposit Adjustment XXXX DR {$50.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} XXXX Mobile Deposit Adjustment XXXX DR {$1100.00} XXXX Mobile Deposit Adjustment XXXX DR {$50.00} All of the above are income that either my husband or myself earned. We work hard for our money, yet it was taken away by Capital One. I am a vendor working for multiple companies. Often when I tried to deposit a check online that was from the same company for the same amount, yet different dates of service, I received an error message saying that they have already received this deposit. When I called Capital One to try to resolve this issue, I was told that I needed to go into the branch to deposit the checks, which I did. I still had issues. I would deposit a check for {$50.00}, it would go through, then when I checked my bank statement it would say minus {$50.00} due to a " mobile deposit adjustment '' or " chargeback ''. An irate employee - XXXX XXXX - from one of the companies I work for - XXXX - called me to complain about a chargeback for XXXX XXXX. I explained to her that it was the bank 's fault, not mine. She threatened me, saying that I " owed '' the company {$50.00}, and if I didn't " reimburse '' them, I would never be allowed to work for them again. My husband and I have done nothing wrong, yet we are being penalized. I have made many calls and visits to Capital One, and this issue is still not resolved. They appear unconcerned, not taking our problem seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a disputed through XXXX and Transunion and about hard inquires. Somebody tried to receive a vehicle in my name and also more inquires in there Idont recognize. credit inquiries on my credit file and they want take it off. I was a victim of fraud credit inquiry problem. My name is XXXX XXXX my date of birth is XXXX And my social 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 2019-09-04 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: MOHELA
State: GA

Complaint narrative:
I was investigated my credit report I have notice a company named Mohela kept popping up. I dispute it on XXXX and XXXX and XXXX. It has been removed on XXXX and XXXX unfortunately XXXX has been adamant not removing it with no proof. I was not attending no school of such name. I have proof I have been graduated from another school I want this removed off my report completely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was investigated my credit report I have notice a company named XXXX kept popping up. I dispute it on XXXX and equifax and XXXX. It has been removed on XXXX and XXXX unfortunately Equifax has been adamant not removing it with no proof. I was not attending no school of such name. I have proof I have been graduated from another school I want this removed off my report completely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a domestic wire transfer for {$20000.00} from my account at Ally Bank to a XXXX XXXX bank account in XXXX XXXX for the benefit of XXXX XXXX. 

On XX/XX/XXXX Ally Bank emailed me with instructions to phone them. I did, and was told that the wire transfer had been cancelled because it was considered international rather than domestic and Ally does not do international wire transfers. 

It seems clear to me that wiring money to XXXX XXXX isn't international, but 75 minutes on the phone refused to convince Ally. For 60 minutes XXXX told me that it was considered international because I submitted it from a computer in XXXX, and then supervisor XXXX insisted that it was international because the company XXXX was initially founded in XXXX. 

This is clearly nonsense and I hope you can get an honest explanation.

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 2019-09-04 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
There is an inquiry that has been placed on my credit report on XX/XX/2019 by CHASE BANK from JPMCB CARD. I sent the credit bureau ( XXXX ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if CHASE BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that CHASE BANK verified or validated this inquiriry when in fact I never authorize the bank to submit any application for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/2019, this application was submitted fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hi. It looks like in XX/XX/2018, 2 accounts were open NCC BUSINESS SERVICES. 1 is for {$1000.00} and the other is for {$3000.00}. I have disputed with each Bureau multiple times and it hasnt been deleted from all. I have never received any sort of notification from this company about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
There is an inquiry that has been placed on my credit report on XX/XX/2019 by Synchrony bank from SYNCB/AMAZON. I disputed this inquiry with the credit bureau XX/XX/XXXXXXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.

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 2019-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I made a payment on XX/XX/XXXX and freedom mortgage didnt post the payment till XX/XX/XXXX and they also charged me a property inspection fee, they claim this was done because the account was 30 days late, it was not paid thirty days late and I explained that and they are billing for this service which should not have been done, I need to get a new servicer from the fha freedom mortgage is not a good servicer

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