vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2020, I contacted Macy 's at XXXX and requested to add my daughter XXXX XXXX on my credit card as an authorized user. They requested her full name, date of birth, social security number and home address, in which was provided by me. I instructed them to only send the credit card to my home address. 

On XX/XX/2020, XXXX informed me that the information was not reported on her credit report and I had not received the credit card. So I chatted online with Macys representative to discuss the issue. And Macys representative called me on my mobile at XXXX, according to the time stamp on my phone. 

Representative told me to call XXXX, I did only to be transferred three time. Basically, I am trying to figure out the reason for requesting my daughter personal information and not report it on the credit bureau? and the reason for such data? 

Macys representative told me to call XXXX then they told me to call XXXX. Everyone keeps blaming the other and then stated the information is not in the system, or the credit bureau should had reported. This ordeal with Macys started at XXXX til XXXX with no resolution. 

Called XXXX  on XX/XX/2020 at XXXX, no human came to the phone to address this issue, called XXXX  other number at XXXX, they redirected me back to XXXX. 

These interactions are done out of this country. How are they allowed to break regulations in United States by obtaining our private information such as social security number, date of birth and home address and possess absolutely NO accountability. 

Could someone please uncover the reason Macys representative from another country obtained my daughter personal information and didn't report activity on her credit report? What was the reason for collection sensitive HIPAA data?

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 2020-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Associates are the scum of the earth. Fraudsters and bottom feeders, and they have tainted my otherwise perfect credit report. In the middle of a pandemic I was rejected credit ( I'm a month behind on rent already ) because I found out my score dropped from XXXX to XXXX thanks to the bottom feeders at Portfolio Recovery Associates. They fraudulently added 3 collection accounts to my credit report 'see attached. None of which is mine, the worst part is the XXXX XXXX  $ XXXX collection account was fraud. I fought it and still have document from XXXX XXXX stating I never have anything to do with it. I've never done business with XXXX XXXX either, the original creditor of the 2 other accounts. 

Your fraudulent garbage is to be removed from my reports immediately! I'm also seeking legal help because this is simply unfair. They are literally destroying lives chasing a cheap buck, fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Four Directions Lending LLC
State: IL

Complaint narrative:
West side lending a website lists an email for customer support that is not a valid email. They have a live chat option however no one responds to your chat. I have contacted this companys phone number numerous of times over the past 9 days at 2 different phone numbers listed on their website and each time I call I am unable to speak with a representative and have to leave a message. Today is day 10 and I am still unable to contact this company regarding postponing a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I ordered something via paypal for {$68.00} and disputed it on XX/XX/XXXX when i realized the company was a total fraud. paypal denied the dispute however i still have not received the merchandize and paypal facilited a fraudulent charge as well as fraudulent tax rates. PP D XXXX. XXXX are the paypal order numbers and dispute numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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: GA

Complaint narrative:
I sent dispute letters to Experian back in XXXX and the report came back that it was reported correct. But XXXX  XXXX  corporate office they show no record of me having an account with them. Credit bureau telling me these are information they getting from creditor. So I ask them to validate it show me and the guy told me he couldnt.

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 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We have been trying to open a checking account since early XXXX. For an unknown reason, it has been impossible to complete. Since XX/XX/XXXX, no one from Wells Fargo has contacted me by email, text, phone or mail to provide any information as to what needs done to finish the set up of the account, or to tell me what the status is. I have called 1-2 times a week to find out what is happening. Each time, it is a different story. Please review the file to see how many times I have called. 

We were told the application was approved about 10 days ago, then I called again and was told that a docusign needed done because of some illegible hand written info. Last Friday the docusigns came to the 4 parties who all signed theirs. Monday I called and they said it was being reviewed again. Each time I am told not to call back, as someone will contact me if they need anything. Then just now I was told that a signature on the docusign was illegible. No one notified me, again, I was not sent anything to resign. 

I asked about going to a branch to finish the application, and was told I would have to start all over again. We have been banking with Wells Fargo since the XXXX. At that time, we had about 25 accounts between checking, savings, credit cards and loans. We have about 12 account now. When I just now asked the rep how to close all of the accounts, he said to go into the branch. I don't want to close all of my accounts, but it looks like that is what Wells wants me to do. I have to have another checking account for a separate business, and I insist on having everything at the same bank so I can easily make transfers and review all of the accounts from one place online. Now I am stuck between starting all over again going into the branch, where the other members have to meet now which is very difficult. Or keep calling and see if we can get an account set up. I have opened dozens of bank accounts through work the past 30 years. I have NEVER had an experience anywhere close to this. It would have saved a lot of time if Wells Fargo just told me that they would not set up an account for me, as I have wasted hours of my time and it has been quite stressful. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated
State: OK

Complaint narrative:
Way2go wouldn't let me transfer my funds to my personal bank account. 
on XX/XX/2020 made two attempts to try and withdraw money from an atm, on the 3rd try it says ( I exceeded my daily limit ) without giving me my money. I have had no problems prior to this. now can't get money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
On XX/XX/XXXX emailed the federal ombudsman 's office regarding my previous complaint on case # XXXX and I attached documents ( I have uploaded again here ) outlining my position. I do not know if that was received so I am returning to this site since it is where I initiated my case. 
Here is what I wrote regarding a response I received from FedLoan Serving : I would like my case reopened because the written response from FedLoan Servicing did not actually address the issue I have repeatedly raised. That issue is that if all of my loan payments are totaled, then in XX/XX/XXXX I made the 121st payment on my final 2 loans and the 122nd payment XX/XX/XXXX. I want those payments refunded because XXXX requires 120 payments. Attached is a letter outlining my position, along with the FedLoan response letter, their partial count of payments made after XX/XX/XXXX and a complete list provided me XX/XX/XXXX by a XXXX XXXX. Combining the lists and counting each payment I made on sequences 4 and 5 beginning XX/XX/XXXX shows that I made 120 payments so anything beyond that should be refunded. Multiple times FedLoan servicing has responded to my requests by giving me information that does not directly address the issue of the total number of loan payments. 

Again, please re-open my case and request that FedLoan Servicing directly address the issue that I have raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
Better.com advertises a {$100.00} rate match guarantee. They state that if they match another competitor 's rate within one business day of a loan estimate, they will credit you {$100.00} or give you {$100.00} if they can't beat it. The exact wording found at https : //better.com/faq/better-guarantee/whats-the-better-price-guarantee is as follows : " What's the Better Price Guarantee? 

We'll match any valid competitor 's offer, and credit you an extra {$100.00}. If we can't, the {$100.00} is yours to keep. 

If you think another lender has a more competitive price, just send us their loan estimate within one business day from the date it was issued. Well either do better by at least {$100.00}, or send that {$100.00} to you ; you win either way. '' I followed the process and was in contact with a XXXX XXXX who answered my initial email sent to XXXX. She tied in a representative at XXXX, who said that they were unable to beat the rate I was quoted by XXXX within the one business day requirement. After being unable to match the rate, I've replied numerous times inquiring about what my next step is to claim the {$100.00} to XXXX, address to the original XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I just went through construction on my home and the bank uses a computer assisted rate to estimate my new tax amount which is over {$10000.00} off. I have called my tax department to verify my new tax rate but they can not give me anything in writing until the new rates are set but have assured me that it will not be over {$11000.00}. The bank says it will be over {$22000.00} based on their computer automated system. This is causing me be have to pay over {$1000.00} extra every month into my escrow account which is a huge financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I opened a Barclays credit card and received miles for XXXX XXXX flights in XX/XX/XXXX. Upon opening the account online I was prompted by their website to establish auto-pay, which I did with my bank ( XXXX bank ). I was told auto pay was the only way that I would be able to get the miles for flights.I made a single charge on this act on XX/XX/XXXX for {$3.00}. I presumed that autopay was set up so there was no need to be concerned about making a payment. In XX/XX/XXXX I was informed via an email that my act was past due. Upon logging onto the Barclays website, I saw the single charge for {$3.00} and a series of late fees. I immediately paid the balance including the late fees, and contacted customer service and explained that I enrolled in autopay and was told that there was nothing that could be done other than mail in a complaint. Recently I received a credit report with a much lower credit score due to this discrepancy. I kindly requested again that Barclays remove the delinquent payment from my account and provide that information to the credit agencies which said they can not do. I did not receive notice emails from Barclays about an outstanding balance in XXXX, XXXX, and XXXX or any mail correspondence of a deliquent balance. Furthermore I was not worried about any potential balance because I thought I was enrolled in autopay. Additionally XXXX were very stressful times because of the COVID-19 pandemic and work related challenges. Barclays is unwilling to remedy/adjust my credit report for a {$3.00} charge in which I believe I was enrolled for auto-pay.

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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: OH

Complaint narrative:
My XX/XX/2020 statement for a mortgage loan from Guaranteed Rate Inc. indicated they had not credited the payment I sent to them in XX/XX/2020. I sent them a letter on XX/XX/2020 asking them to correct the error they made. 

I received a response from them on XX/XX/2020 stating they had found the payment I made and applied it correctly. They also stated they were crediting all late fees and no negative credit report had been filed. 

Since receiving that letter I continue to get collections letters from them. I also have received 2 separate billings for the month of XX/XX/2020 that continue to add late fees. 

Despite numerous phone calls to Guaranteed Rate Inc. they still have not corrected their error. 































































































































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Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I received a XXXX bill form Target XXXX XXXX. I paid the bill and my bank paid them onXX/XX/XXXX. I tried to use my card and it was declined. I called Target XXXX XXXX and they said they did not receive the payment that was taken out of my bank account by Target. 

I called my bank and have incurred a {$28.00} charge to send Target a copy of the check that they cashed. This whole dispute is for {$38.00}, I pay my bill early every month. Instead of admitting the mistake..I had had to make numerous calls and been told at least another 10 days. They have hit my credit report for {$38.00}. This whole thing is absurd. However as they took my money this is fraud and it must be addresed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely XXXX, Equifax and XXXX. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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 — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
XX/XX/20 was contact by acima credit said pay {$610.00} and they would settle account and have remove from credit they didnt do it And instead reporting as {$170.00} charged off but account legally paid in full which is still causing to show like I owe them money and is in a negative state I spoke with them several times was hung up on or told they have no control over this but like I told the lady you ( acima ) are the ones sending in report also I was told this would be remover from my credit like I told her check your records and recordings because this is what I was told

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
In XXXX I joined a XXXX of a gym called XXXX in XXXX XXXX. It was infested with XXXX XXXX, XXXX, shady people and the equipment was 50 years old. I called and told them to cancel my trial membership and they agreed. 2 years later a collection item appeared. I had it removed when I explained what happened and threatened legal action. That was in XXXX. It was removed. Now, 3 years later during a pandemic and unemployment, a credit application i made was rejected. I obtained a copy of my credit report to understand why and I saw this bogus correction item. It's fraud. It's unreal. Bottom feeders literally ruined my financial standing, in a pandemic struggling with unemployment, I'm XXXX dollars behind on XXXX rent, chasing a quick buck. 

Remove it now. It's now mine!!! And I'm going to sue you for this garbage too. Enough!!!

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 2020-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I purchased a XXXX  XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, GA XXXX. At the time of purchase I told the sales rep ( XXXX  ) I did not want my payments to go above {$1000.00} per month. She assured me she would get me a loan that would fit my budget. As a result she got me a loan with Santander Consumer USA. I was told my interest rate and the amount of my monthly payment ( XXXX ) and for how many months I would have to pay to own the car. At that point I agreed to the deal and they gave me the car on the spot without me even giving any money at that point. They said bring back the down payment at another time so I did. Turns out what they told me was false. The loan they got me into was structured in such a way I would never pay the car off. Santander not only charged my interest on the loan for the car but also charges me Daily interest on top of my agreed rate. So I have been paying on this loan for almost two years now  and Santander keep over XXXX of my money and told me it ALL goes to the interest and not my principal balance. As a result I still owe the same amount on the car as I did the first day XXXX brought it home. I have tried to trade the car in with other dealer but the fact santander keep all my payment the car is worth less that what I owe by a large margin. This is not right!! I work to hard for my money to be taken advantage of by a lender and car dealership trying to defraud me. I contacted Santander and they said their is nothing they can do beside come get the car if I don't want to continue to pay. So if I turn the car in they not only keep all the money I have paid but they also get back their car for resale. PLEASE HELP ME.

Company response to consumer: Closed with explanation