vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, This is a complaint against Wells Fargo and their credit Card Services. Wells Fargo illegally opened a credit card for me on XX/XX/XXXX and my identity was stolen erroneous charges were made to the card causing me financial hardship as a newly XXXX year old with a minimum wage job that was never able to recover from. I went into a branch and made them aware of the charges and they told me I had to pay them here was nothing they can do. This event caused me to sink into a financial debt i never recovered from until this card was charged off in XXXX. I submitted a fraud claim they never fully investigated at the time and now on XX/XX/XXXX they send me a letter saying that after further investigation that they were wrong and that I WAS a victim of identity theft reimbursing me the funds that were erroneously charged to my credit card years prior that put in SUCH a financial constraint I was never able to recover from and ultimately caused my credit card charge off in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello, I need assistance in a challenging situation with a merchant and Chase. I'm raising a claim against deceptive acts by a vendor and inadequate support from charges processed by chase that weren't rendered. 

Situation : I'm an owner of a rental property and unfortunately the tannate I had stop payment since XXXX of 2020 and left the property in XX/XX/2020, I dealt with heavy financial loses while still needing to pay the mortgage and taxes on the property. The rental income not paid from the tenant rent for over 6 mounts added up to a loss of XXXX. Once the individual left and I was able to go into the home I saw the damages the tenant and his family did that required repairs. Fortunately I had a new tenant who would be able to move in quickly, obviously due to the loses and ability to have someone come in immediately was a great blessing as we have been able to support the loses earlier and only could survive a few more months. This put a tight window in having the repairs completed prior to the individual move in. 

One of the repairs were replacing the carpet ( Previous tenant had 4 children and lived there for over 3 years ). I reached out to xxxx and advised them of the situation and if they weren't able to complete the project I would be forced to go to another vendor as I priced out and spoke to many other carpet providers and installers. I wanted to provide this business to local small shop since I knew the challenge of Covid and impacting business. Unfortunately the individual didn't come by and install the carpet or services agreed to. I was forced to go with another vendor due to this, the vendor was unresponsive to my calls and follow-ups. 

I reached out to chase and advised of the situation and unfortunately they processed the charges in full for a vendor where services or products weren't provided ( XXXX ). I've been reaching out to the vendor and chase since XXXX and both have informed me they will not be reimbursing me for these charges. I feel I was scammed by the carpet provider by deceptive selling and billing tactics. I would understand if certain charges and services should be deducted but I find it unfair to be charged for something where I didn't received the agreed upon service or product as per the agreement they signed and violate. Chase should of followed my instructions but after multiple calls they refuse to provide support in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Garnishment assigned and no verification of debt received from attorney as asked for. 
Garnishment is from XX/XX/XXXX and then again XX/XX/XXXX {$2000.00} Call place XX/XX/XXXX and was informed they would send verification of many owed, never received, Attorney states they sent letter XXXX with a response. I have never heard from this attorney. Garnishment collected twice XXXX XX/XX/XXXX and said completed Writ og garnishment Doc Id XXXX, Case XXXX I remember having a capitol one card 20 years ago, my husband has one now. Name on ganishment is not spelled right. I was informed it did not make a difference the person was me. I told them that is not how I spell my name described to them I haven't had a credit card for them in 20 years. They informed me it was to late and this will continue as a garnishment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reference number XXXX Capitol One Bank # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Re : TransUnion I am trying to see my credit report which by law, I am entitled to, for free. And I can not see it or open an account without having to file a credit card number on file for their monthly fee. The XXXX  of a credit monitoring company housing all MY credit information, using it a financial tool tied to my identity and insisting I pay for their programs to see MY OWN CREDIT!!!! I can not file disputes. I can not see if information is accurate. I can't even see IF MY IDENTITY HAS BEEN STOLEN!!!! 

Reprehensible.

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 2021-01-31 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I payed off the Debt of {$160.00} to XXXX since Amsher Collections told me XXXX bought back the debt account so went on the XXXX to pay it off. Since Ive paid it off they told me wait a month I did and nothing now its been four whole months and its still showing on my credit report. Ive called several times at XXXX  and submitted a dispute on XXXX only to get my dispute closed. Ive called XXXX they said they cant do nothing about its up to XXXX to remove the inquiry. Please someone help me reach out XXXX  for them to fix their broken system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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:
Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my XXXX XXXX by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against XXXX. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did XXXX. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under my company name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX  by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.

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 2021-01-31 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: DISCOVER BANK
State: TX

Complaint narrative:
Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my Discover Card by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against Discover. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did Discover. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under my company name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XXXX, Paypal offers all sorts of payment options - this is normal, and they are owned by the same company. I was offered PayPal Credit on an item with 12 and 24 month terms, 0 % interest, for the item plus tax with a box to apply. When I applied I was told I had an account I could use, with not other information provided. This was all within the item for purchase XXXX $ XXXX for 24 months was offered ). After winning the item, PayPal would nt process the PayPal credit option and directed me to Synchrony bank who will now only offer up to {$3500.00} and will not allow partial payment. So - now I am stuck with an item for {$4900.00} and have to come up with some way to pay this - none of these merchants - XXXX PayPal, or PayPal Credit ( Synchrony ) - would honor the terms or resolve the issue in some other way. XXXX told me I could contact the seller and tell them XXXX policies prevent the transaction, but, would not do so on my behalf leaving me ultimately liable. They also said they would report internally the misleading offers - but would not provide me the details, only a ticket number read over the phone. This is classis Bait and Switch - offer something, decline terms, buyer is still responsible for the item.

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 2021-01-31 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: OneMain Finance Corporation
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, ONEMAIN add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX BANK XXXX. add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WE are the victims of sammer targetted at elderly. someone using my XXXX XXXX account from XXXX  and fake farudulent manager from XXXX sends a refund check for more than the purchase price ( approx. XXXX and asks me to give them the difference on a gift card. ( That check, by the way, will turn out to be fake. ) and wire trafer to the XXXX bank branch in XXXX.ON XXXX we purchased {$5000.00} and on XXXX we wired transferred {$14000.00} into XXXX Bank account XXXX in XXXX. THe beneficiary is the person by the name of XXXX XXXX. On XXXX we report fraud to Wellsfargo bank in XXXX XXXX ( XXXX ) and the bank notified the wire transfer department to put the recall of the wire tranfer ( transation # 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 2021-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have a CapitalOne credit card that I have had since XXXX. I make my payments on time every month, as I am enrolled in autopay. I don't check on my account much, as i have never had any issues or troubles with it. I don't use the card anymore, just trying to pay the balance down. Well, my husband was notified that his credit card payments were past due. We called and were told we were unenrolled in autopay and it must be an issue with the bank. We called the bank, no issue. So, we re-enrolled in autopay and had to pay late fees. I then thought about how i have a credit card with them too, so i called and i was 2 months past due also unenrolled from my autopay. They told me that i didn't call or go online to do this, so they were trying to figure this out. This phone call happened XX/XX/XXXX, and they advised me to call back when my husband was around so that we could get this figured out, since he had a similar situation. So i called back XX/XX/XXXX and went through numerous people trying to find out why this happened. They finally told me that they unenrolled me, because my address changed. ( I moved to a new house, same town, same zipcode, and still own the house at my old address ) not sure why that would cause an issue. They said it was part of their terms and if i had an issue to take it up with the credit bureau. I paid my balance contacted all credit bureaus, but they could do nothing. Just updated my account balance, etc. So i am reaching out as i have two hits on a previously good credit score for something that i did not do. Capital One should be held responsible for this con, and shouldn't be allowed to tamper with someone's autopay. I am appalled. I would like my credit report cleaned up, as I DID NOT TURN OFF AUTOPAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: TX

Complaint narrative:
I am attaching to this complaint an affidavit of identity theft regarding an account with XXXX XXXX XXXX XXXX  and a derogatory report they are placing upon my XXXX, XXXX  and Transunion credit reports. I did not open this account and although I have filed several disputes regarding this matter and have stated identity theft as the reason for the account, XXXX, XXXX  and Transunion are allowing XXXX XXXX XXXX XXXX to continue to report this erroneous item to my personal credit bureau. Additionally, although noticed under Section 609 FCRA, XXXX XXXXXXXX XXXX XXXX has failed to provide the required items under Section 609 FCRA. I am attaching a lawsuit filed by The Federal Trade Commission against XXXX for engaging in the exact same misconduct XXXX XXXXXXXX XXXX XXXX is engaging in.

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 2021-01-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received my XXXX visa statement and noticed 2 large purchases that I did not make XX/XX/XXXXto XXXX for {$1000.00} andXXXX to XXXX for {$1100.00}. I called Chase visa and reported it. they cancelled that account and issued me a new card. and said they would look into the charges. My next statement came and still had the charges on it. I called again and spoke in more detail to someone I assumed was an investigator. he asked questions about an address that was't mine and said he would get back to me, no one did. My most recent statement still has the charges on it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, TD BANK N.A. add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
This is an update to complaint # XXXX In XX/XX/XXXX XXXX paid {$13000.00} towards my mortgage principal. ( See document ). The ENTIRE balance at the time was XXXX. 

In accordance with the loan agreement the mortgage NOTE was satisfied but the bank has refused to mark the loan paid in full and have added an additional {$9000.00} to the principal. 
Here is what the contract states. 

Unless the law says otherwise, ALL payments received shall be applied as follows First to any prepayments due under the NOTE Second to any TAXES AND INSURANCE THIRDLY TO INTEREST DUE FOURTH TO PRINCIPAL LAST TO ANY LATE CHARGE Atlantic was instructed on XXXX to pay mortgage note OFF IN FULL MOREOVER, THE FOLLOWING DISCREPANCIES WERE FOUND : Issues with XX/XX/XXXX statement 1. In XXXX, XXXX, XXXX, BILLING STATEMENTS were generated on the XXXX of each monthAFTER a late fee can be accessed and/or generated but XXXX bill was generated on XXXX. 

2. They are reporting on the 1098 to IRS that only {$1800.00} of interest had been assessed but the billing statements contradict. 

3. XXXX. XXXX and XXXX BILLING statements clearly show all actual payments and/or TRANSACTIONS. For example : payments to principal in the amounts of {$5000.00}. {$2500.00} are clearly shown on XXXX & XXXX statements. AND THE billing statements HAVE BEEN GENERATED ON THE XXXX of the month. BUT XXXX statement for XXXX has been generated on the XXXX and does NOT show the {$13000.00} transaction. It is showing a principal pay down of {$2200.00} and a regular payment. When in all actuality, the entire loan was paid in full in the amount of {$11000.00} on XXXX as per what is being reported to the IRS ON THE 1098. 

4. Clearly, something is off with Atlantic Union bank reporting on both their billing statements and their IRS accounting. 

PLEASE NOTE LOAN BALANCE that Atlantic Union Bank REPORTED ON Form XXXX TO THE IRS ON XX/XX/XXXX and COMPARE THIS DOCUMENT WITH THE XX/XX/XXXX billing statement. ( See ( attchbilling ) document dated. XXXX HOW TO RESOLVE? 

An audit of the banks books are warranted A deed marked paid in full sent to me A refund of all monies owed and fines assessed

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 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
Homepoint financial has failed to inform me the co-borrower of any issues with the property in XXXX, CA. They state that notices were sent in XXXX of 2019 and the account would be in foreclosure in XXXX. They also sent me the 1 year occupancy statement to remind me that I had to remain in the property for at least 1 year. It has been difficult to communicate with Homepoint financial with over 1 hour wait times to speak with anyone and very difficult to pay off the note when they did not allow me to through their system and forced me to use other methods with other fees. 

Homepoint financial addressed both primary borrower and co-borrower in one letter, so when I moved after 1 year I did not receive any correspondence after changing my address with USPS and confirmed it when I called them as they had no contact information for me when they switch systems. They still do not respond through any other mediums other than snail mail. 

They try to claim I was informed of the issues going on with the note but I was not as you can not mail out one letter to two people!

Company response to consumer: Closed with explanation