vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I walked into the Loancare office, paid my XX/XX/2020 mortgage payment with a money order and got a receipt. Not only did they falsely accuse me of not paying my XXXX mortgage payment but they applied it to the wrong account! I have three accounts with them, and I told the woman at the front desk that I wanted the payment to go to my main account. The receipt she gave me states that it was applied to the account number on my billing statement yet a supervisor told me it was my fault that it was applied to the wrong account! They have charged me FIVE late fees! They are charging me late fees for not paying a late fee for XXXX ( which was their fault ) and for XXXX which was my fault. 

I have not missed ANY mortgage payments, and these late fees total {$690.00}! My late fees are normally {$130.00}. XXXX hasnt even arrived yet and they have already charged me a late fee!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: AES/PHEAA
State: TX

Complaint narrative:
Due to the CARES act, XXXX Student Loan removed my accounts, then put them back as new accounts causing my credit score to plummet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AES/PHEAA
State: CA

Complaint narrative:
The first letter that I am uploading explains I am attending XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I graduated XXXX XXXX XXXX XXXX XX/XX/XXXX with XXXX XXXX. I worked at the campus departments : XXXX XXXX - XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I received job postings per hiring employers and refferr students to those potential hiring employers. The department will receive feedback with the status of the relationship. 
I did not once receive a complaint from the studemt- employee or employer. 
I returned and enrolled into HDTP. I passed three interviews, and one interviewer offered me a job to practice the yard truck from XX/XX/XXXX to XX/XX/XXXX, drug and alcohol testing or DOT regulations to receive a Commercial Driver License. 
In XX/XX/XXXX, one employer form the college attends the so called Recruitment Day. The employer says, " I will help you get your truck. '' XXXX XXXX - President of XXXX XXXX XXXX, XXXX ( XXXX ). 
I select this employer and he deducts money from my paycheck for a XXXX XXXX semitruck. He then inform me he has sold everything to XXXX XXXX located in Nevada and the instructions are to pay XXXX with XXXX XXXX on the check, money order. The XXXX XXXX, he sells without my consent. 
XXXX then informs me to select another semitruck, XXXX XXXX. XXXX XXXX full throttle and work endless hours to make {$1000.00} per week payments. 
After making payments of 60 weeks, I informed the employer of the right shoulder injury and only can make {$500.00} payment. XXXX   accepted the payment and the following day XXXX XXXX and XXXX XXXX repossess my XXXX and I have a video where XXXX XXXX says, " I am {$200.00} short and one week late. 

I inform XXXX of the swindle, fraud, scam and in return, I received a letter informing of the contents in the letter. 
I attended XXXX for many years and not once did I commit any crimes or the police on me. 
i don't wish these life events upon anybody because my intentions was to become a better person and be responsible. My unalienable rights are violated - life, liberty, and the pursuit of happiness. 
I contacted Law Library of Congress with XXXX XXXX and receive an archive. Assessing the Implementation of the Clean Truck Programs of the Port Of XXXX  and Port of XXXX. Then find the truth about the msclassificetion of XXXX XXXX Drivers. XXXX are not Independent Contractors. We are disguised employees as independent contractors to swindle the hard workers for their money and earned property. 
I made XXXX XXXX XXXX XXXX to hire employees and not swindle, defraud or scam any person who wants to have a better life. 

Several business have violated my consumer rights. I beleive Consumer Federal Protection Bureau will take action and assist me with anything the bureau can assist me with. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$33000.00}, {$7500.00}, {$3900.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pulled out an institutional loan ( in the spring of 2016 ) from my university to pay for tuition. I experienced a very long difficult period with my mental health, and was not able to immediately pay the institutional loan. As a result, the loan was reported as missed payments and went into default. I was not able to get my diploma, and therefore was not able to get a descent job. Fast forward a year and half later, I figured out a way to pay the loan. I spoke about my situation to the university and asked that if they could remove the derogatory remarks from my credit report. I told the institution that I paid all of the loan off with interest and that I shouldn't be penalized on my credit report therefore. I'm trying to get a home loan and move forward financially, but this account continues to be reported as a negative account on all three of my credit bureau accounts. I believe it is not fair for it to be negatively affecting my credit score and report status given that I paid the entirety of the account PLUS INTEREST.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I pulled out an institutional loan ( in the spring of 2016 ) from my university to pay for tuition. I experienced a very long difficult period with my mental health, and was not able to immediately pay the institutional loan. As a result, the loan was reported as missed payments and went into default. I was not able to get my diploma, and therefore was not able to get a descent job. Fast forward a year and half later, I figured out a way to pay the loan. I spoke about my situation to the university and asked that if they could remove the derogatory remarks from my credit report. I told the institution that I paid all of the loan off with interest and that I shouldn't be penalized on my credit report therefore. I'm trying to get a home loan and move forward financially, but this account continues to be reported as a negative account on all three of my credit bureau accounts. I believe it is not fair for it to be negatively affecting my credit score and report status given that I paid the entirety of the account PLUS INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled out an institutional loan ( in the spring of 2016 ) from my university to pay for tuition. I experienced a very long difficult period with my mental health, and was not able to immediately pay the institutional loan. As a result, the loan was reported as missed payments and went into default. I was not able to get my diploma, and therefore was not able to get a descent job. Fast forward a year and half later, I figured out a way to pay the loan. I spoke about my situation to the university and asked that if they could remove the derogatory remarks from my credit report. I told the institution that I paid all of the loan off with interest and that I shouldn't be penalized on my credit report therefore. I'm trying to get a home loan and move forward financially, but this account continues to be reported as a negative account on all three of my credit bureau accounts. I believe it is not fair for it to be negatively affecting my credit score and report status given that I paid the entirety of the account PLUS INTEREST.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$33000.00}, {$7500.00}, {$3900.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$33000.00}, {$7500.00}, {$3900.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2020 I found a wig on XXXX I wanted to wear for a photo shoot. I paid XXXX XXXX {$400.00} through XXXX through my Wells Fargo app. The wig was never sent. I also contacted XXXX but they could do nothing because there was no purchase through there, but the entire conversation was through etsy. The order was cancelled by me this morning. But there has been no contact from XXXX XXXX since I asked for a refund. When I called Wells Fargo, I was told that there was no guaranty that I would get the money back The supervisor was super rude and hung up on me when I asked why XXXX is in their app if they don't back it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX I attempted to pay my bill via the online website but could not get the transaction to post until 1 hour past their EST deadline, however they were able to complete the ACH that evening and post it by the following AM. 

I immediately contacted Capital One and they reviewed the situation and agreed with the error and reversed the automatic late fee. 

On XX/XX/XXXX I was incorrectly then assessed {$73.00} in Interest Charges. I contacted Capital One via phone on the evening of the XXXX where they refused to reversed these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had opened a New Credit Card Visa with Barclays Bank, i made a payment of {$2100.00} they took it from my checking account yet did NOT apply it to my card and are holding it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
We have a letter from out mortgage company stating were approved for a forbearance till XX/XX/2020 due to covid 19 and now their threatening us with foreclosure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Since XX/XX/2019 Sunrise credit at XXXX XXXX XXXX  NY XXXX services is harassing me opening and closing account Ive tried to talk to them and they wont help me in anyway Im homeless with XXXX  XXXX  trying to move into a home but this is causing issues for my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX, I ordered from XXXX so I could receive some staples like paper towels and toilet paper. It cost XXXX. It was overpriced to start with but I at least expected to receive my items or a realistic update. 

I only received a couple of containers of toilet paper and nothing else. I look at my order online and it's back-ordered or they have run out of stock on all else I paid for already on XX/XX/XXXX. 

I have called several times for a refund to the merchant directly. They promised me a refund. However, they only issued a refund of XXXX. This is after about 5 calls including chats with Amazon Pay and messages to them plus calling the merchant. 

I am quite concerned that am not getting a straightforward answer about refunding all of my order that was not sent to me yet which would be about 200.00. No one seems to know what is going on and this is not okay even during the current circumstances. They have majorly taken advantage of me as a 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 2020-05-25 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
At around XXXX XXXX on XX/XX/XXXX, I was going to bed when I received the alert on my cellular phone, saying {$120.00} was charged on my American Express card at the XXXX near my house. It was still pending, but I called Amex right away to report the fraud. After investigation, I realized the credit card with the renewed expiration date was on the way, and was supposed to arrive on XX/XX/XXXX, which I did not receive as well as one of the utility bills. 

After the card was used at XXXX, it was declined at several places ( XXXX, XXXX, XXXX, XXXX, XXXX  ) on the next couple of days. Filed the police report also. 

In a week or so after filing the claim, I got the credit to my account. Thought this case was closed. However, at the end of XXXX, I noticed the amount was re-billed to my account. I contacted Amex again a few days later to ask why, but didn't get an answer to it. Instead, the person said he would open a brand new claim to take care of it. Close to the end of XXXX, I found this charge was included to the total balance. On XX/XX/XXXX, my boyfriend and I called Amex, and got to talk to XXXX with the Fraud Prevention Team. She looked at the record of my account and said it was not right. It seemed the people I had talked to before treated this case as a dispute, not as a fraud. She was trying to open a new fraud claim against the amount re-billed, but couldn't. So she told me she would take care of it and call me the following day. 

As of XX/XX/XXXX, the claim XXXX opened ( # XXXX ) is still open and the fraudulent charge is included to the statement balance. I have been getting the reminder of payment, even though this fraudulent charge should not be a part of statement balance. 

I have been asking for the answers to the questions below since the fraud happened. But no one answered me so far. 1 ) Why could the new card be used without being activated by me? 2 ) Why did American Express send such a card to me by regular mail? 3 ) The first claim went through so quickly, then why is it taking so long to close the whole thing? 4 ) What did American Express do between the time I contacted about the re-billing and XX/XX/XXXX? It looks to me nothing happened. 

The whole thing looks American Express wants me to give up and pay. They don't live up to their promise of 100 % fraud protection. I would like them to process the claim as quickly as possible, and give me the answers to the four questions above.

Company response to consumer: Closed with monetary relief