vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
I completed my shopping at XXXX XXXX where I had previously shopped and paid by check, and let the cashier know I would be paying by check. She advised me to sign my name on the check. I added my phone no. as I am accustomed to doing when I write checks. As I was advised previously as long as I am a XXXX XXXX " member '' I can write a check at the store and for up to {$50.00} cash back. I requested {$20.00} back so I could go buy gas. Cashier ran the check through the machine at her register but then advised that the transaction was declined. I called my bank because just today I had decided to cancel my check card after it had been missing for about the last week however they advised the cancellation of my check card would not trigger a decline of a paper check and they saw absolutely no irregularities with my account which had more than sufficient funds for the {$82.00} I was writing the check to cover. After enduring the embarrassment and humiliation at the store with store employees and other customers present, and a cart full of groceries, not to mention the hour or more it took out of my homebound commute, my son in tow, I called Telecheck at the no. on the receipt I was provided. I pulled over to punch in all the nos. requested and went through several loops as I drove home ( on a dangerously empty tank ) just to get to a representative. I attempted to learn what happened and how I could resolve the issue so that I would be permitted to write checks on my account and pay for groceries and gas during a period of time I had no other method of payment for basic necessities for my family. I was placed on hold to speak with a supervisor and was on the line a total of close to 90 minutes without any additional information shared to explain their actions, or any resolution whatsoever. This company needs to be held accountable both to merchants and to customers of those merchants. Its unfortunate too that XXXX XXXX could not have entertained other methods of verifying may payment with me, e.g. my photo id, my ph no., etc., but they rely on Telecheck to do that and Telecheck does nothing to support innocent customers who have absolutely no fraudulent intent just so they can make money providing a service that probably harms more people like me, to catch a few fraudsters.

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 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX - I needed to use my Wellsfargo Credit Card, and it was declined. So I called customer service and was informed the account was closed. At this point, I have not received notification from Wellsfargo about the unilateral decision. I had no balance, always paid my bill on time, and been a Wellsfargo Credit Card holder since XXXX. According to the customer representative the bank had not sent a written notification, and was unable to let me know when will I be formally notified.

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 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2021, I initiated a dispute for the amount of {$89.00} for products I purchased at XXXX XXXX in XXXX, NY. Approximately two weeks later, I attempted to return the purchased merchandise for the stated value above. The merchant declined to refund my purchase, even though the merchant 's refund policy clearly stated that full refunds were possible up until 30 days since purchase. This return policy can be found at the following website : XXXX XXXX XXXX XXXXXXXX & XXXX & XXXX : XXXX & XXXX & XXXX Citibank says they have investigated this dispute and marked the dispute as closed on XX/XX/2021. Citibank then reversed the disputed {$89.00} credit that they had temporarily given me. They have not provided me any reasoning or rationale for the reversal of the credit. When trying to access any documentation about the dispute, I am unable to locate anything. I have reached out to customer service to inquire about this, but unable to get any information.

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 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Asset Management Systems Inc
State: MO

Complaint narrative:
THIS IS A MOBILE PHONE AND IS UNLAWFUL TO CONTINUE TO ROBO CALL THIS NUMBER AND I AM NOT AFFILIATED OR KNOW THE PERSON THEY ARE CALLING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been waiting on hold for the past 2 days for 4 plus hours. I took a screen shot for proof. I give all my information then wait on hold keeping me from filing a dispute. Nobody called me back or anything. During this covid time, this is nothing less than pure cruelty and feel motivated to get my own lawyer. Why do you treat people this way??? No respect for anyone or anything. Just tell me nobody is available or something. Tell me to send an email or something. This is making me absolutely crazy and all you guys do is apologize. I am so upset!!!!!!!! 

I called a third time 30 minutes before closing and I was told to wait. Wait and wait. Nobody even told me you were closed!!!! You just kept making me wait??!!! Who does this to people?? As if you hadn't played with me enough? I am definetly going to talk to a lawyer!!! 


The dates this happened is 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 2021-05-27 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: CA

Complaint narrative:
I HAVE TRIED TO DISPUTE CREDIT INQUIRY WITH TRANSUNION DO TO ME NOT APPLY FOR ANYTHING IN THE PAST, 2019 WAS THE FIRST YEAR I BEGGING RUNNING FOR INQUIRY. THEY HAVE NOT MADE ANY CHANGES, KNOW THAT I AM TRYING TO APPLY FOR DIFFERENT THIS IS HENDERING ME FOR FINANCES. I HAVE HAD TO PLACE IDENITY AND FRAUD ALERT ON MY ACCOUNT IN THE PAST 2 YEARS AND THEY HAVE HELP ME DUE TO ME BEING A VICTIM OF INQUIRY ON 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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a several inquiries on my credit from companies that I have not applied for anything with. This should not be listed on my report. I have not given my consent to anyone on paper or verbally and this should not be on my credit. I called these companies & they say they have no information. So how is this being reported? Please delete this request listed on the identity theft report I have attached. 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 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company Capital One Bank USA N has took action against me in hurting my consumer credit report by reporting wrong information. They are attempting to collect {$2700.00} dollars. They have continue to report charge off to my account. the company took action in calling every day of XXXX XXXX XX/XX/XXXX to attempt collect a debt owned to them, harassing and using aggressive tone matter on me, during a time where i was injury at work mentally and physically by court order for the XXXX to XXXX year. I ask them to please stop calling me till further notice, which violated my consumer rights under section 15 U.S.C 1692 having a debt collector harass, or use tactics that include trying to collect a debt. This issue should be resolve as it has step me from getting consumer credit, and have tarnish my credit report information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Statebridge Company
State: FL

Complaint narrative:
Every night I get a call from a company called Statebridge on my cell phone about mortgage debt. My mortgage is with XXXX. I call this company back after they call as indicated and it says they are not open. I call them during the day and it says your wait time is less than one minute and 3 hours later no one has picked up. I leave my phone number to call me in the order my call was received and I get an automated call again at around XXXX each night with no way to reach them. I try to visit their website as they say on their call- but any link you click on the first page says server error and wont open. Now theyve sent a letter telling me theyve started the foreclosure process on my home. Theres a separate mans name and number- and of course no one answers that call either. I cant get in touch with the company and I dont know who they are but Im afraid NOT to respond because my husband left 2 1/2 years ago and Im worried its his debt on my house. What can I do if no one ever picks up the phone? They send me fed ex letters- hang things on my front door- but no one answers ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: MO

Complaint narrative:
This is a mobile phone, I do not know that person nor affiliated with that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Amsher Collection Company has ignored the 2 letters I have sent them. Not only have they ignored the debt validation letter that was mailed to them on XX/XX/21 and delivered on XX/XX/21 ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX, they have also ignored my second letter notifying them that they are violating both my consumer rights and the FDCPA regulations. That second letter was mailed out on XX/XX/21 and delivered on XX/XX/21 ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX ). To date, Amsher Collections Services as yet to validate the debts and continues to create defamation to my character by continuing to wrongfully report negative remarks to the credit bureaus, which in turn is causing damage to my credit score and my overall credibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a several inquiries on my credit from companies that I have not applied for anything with. This should not be listed on my report. I have not given my consent to anyone on paper or verbally and this should not be on my credit. I called these companies & they say they have no information. So how is this being reported? Please delete this request listed on the identity theft report I have attached. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a several inquiries on my credit from companies that I have not applied for anything with. This should not be listed on my report. I have not given my consent to anyone on paper or verbally and this should not be on my credit. I called these companies & they say they have no information. So how is this being reported? Please delete this request listed on the identity theft report I have attached. 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 non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Adler Wallach Associates Inc. ( AWA Collections ) is operating illegally and in bad faith in attempting to collect a debt that : a. ) they have not proven in writing is mine b. ) exceeds California 's statute of limitations on this type of debt ( breach of contract ). 

Specifically, I contacted AWA Collections today, XX/XX/XXXX, regarding a derogatory item with their information showing up on my credit report. I was told by an AWA collection agent that AWA was collecting debt in the amount of approximately {$2400.00}, including interest, from an XXXX XXXX XXXX that I allegedly cosigned in XXXX. I advised the agent that I have no recollection of cosigning such a document and/or any other document that would obligate me to pay anything. I asked the agent to provide me with a verification of the debt, required by FDCPA sec 809, and she refused to do so.

Furthermore, I advised the AWA agent that, even if I were to have unwittingly cosigned a contract/application/bail bond with XXXX XXXX XXXX in XXXX, over six ( 6 ) years ago, the debt is not enforceable, as it exceeds California 's statute of limitations of four ( 4 ) years to collect such debt, under section 337 of the Californa Code of Civil Procedure regarding written contracts. The AWA agent told me that this is not the case and that they can and will continue collection efforts on the debt. I advised the agent that to continue to do so is illegal. 

Therefore, I informed the agent that I am denying that I owe any amounts because AWA can not prove that I owe anything and, even if they were able to do so, the debt is unenforceable under California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Summary- Loan Officer appears trying to pocket {$1700.00} now unresponsive when asked to justify extra charges. On XX/XX/2021 I initiated a loan approval process through Citizens Bank, specifically XXXX XXXX, Loan Officer|NMLS # XXXX. He eventually transferred my case to XXXX XXXX Loan Officer| XXXX # XXXX who initiated my loan process. 

XXXX XXXX XXXX XXXX XXXX XXXX Citizens XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Office ( XXXX ) XXXX I spoke with XXXX regarding XXXX timing and he ensured me no rush was needed to process and cost would be under {$750.00} since they were working under a new system to get them done efficiently. On XX/XX/XXXX, XXXX confirmed the appraisal was ordered after taking my credit card information to pay for it that day. On XX/XX/XXXX, our Loan Estimate listed an appraisal fee of {$540.00}. On XX/XX/XXXX, the the appraisal was paid for at {$540.00} as posted to my credit card. On XX/XX/XXXX our Closing Documents correctly listed the Appraisal as prepaid and {$540.00} for a scheduled closing on XX/XX/XXXX. There was an unrelated delay in closing that required the closing paperwork redone. On XX/XX/XXXX I received the new Closing Documents from the lender who listed an additional charge for the appraisal of {$1700.00}. This would make the total appraisal cost {$2200.00} since the appraisal was already charged to my card previously. When I contacted XXXX XXXX to justify this change I was told he " did not need to justify anything to me ''. I asked him to send me the appraisal fee documentation and again said he did not need to do anything at this point. On the contrary, he proceeded to tell me that because he found me " difficult and unprofessional '' early on, that " he does not forget and can make people 's process difficult ''. He told me they would credit it and then recanted that statement as well later. He told me he didn't need me as a client and that I could take it or leave it at this point and it would be my loss. He " has other clients and doesn't matter to him if I close the loan through him or not ''. He went as far as to state that my closing costs turned out less than my cash back at closing so he " could make me lose these funds either way, so why does that matter ''. He claimed to be " acting in my interest to balance things out on the Closing Document so we could proceed with closing ''. XXXX was on speaker phone and the full exchange was witnessed by my wife. It is very evident to me what the lender is trying to do here and consider it fraudulent. He reiterated at the end that " he doesn't care if I close at this point and can take it or leave it ''. I have notified the closing attorney, realtor and other parties involved of this. We were scheduled to close XX/XX/XXXX and need assistance getting this resolved. Lender Loan Officer got caught in their activity, is using pressure to force closing and is not responsive at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc.
State: TX

Complaint narrative:
Imagine struggling as a single father of 3, all the while owed thousands of dollars because of company 's negligence and non willingness to correct their errors. Imagine calling a company hundreds of times only to be ignored. Imagine feeling rage and hearing dark thoughts because the constant sadness caused continues to hinder the improvement of related circumstances and financial stability. In my 31 years this would be considered the most angering, neglectful, and disrespectful action I've personally ever experienced by a company especially a lender. On a statement as well my records indicate on XX/XX/XXXX I had accumulated {$10000.00} in my escrow balance. This balance is also not including, XXXX, XXXX, XXXX payments with monthly escrow payment of {$770.00}. Basically it seems they lost thousands of my dollars during one of their failed alleged servicing transfers. Zillow/XXXX  has made countless mistakes the entire time of servicing my loan. One of the main issues being how I was, and still being charged monthly for taxes at a XXXX rate though I proved many times the appraisal had been adjusted. I have countless complaints I want handled in a court but for now I just want the money they have stolen, causing the new servicer to also create a negative account. I have hundreds of inquiries, complaints, phone calls, federal complaints but no at these lenders is being held accountable for neglect. The company has sent me completely inaccurate information, has deleted sensitive and critical data, and refused to resolve these issues though several employees including management has claimed a mistake they made on their end. This all has taken place during the loss of my job due to the early stages of the pandemic. Those finances could have been used for the wellbeing of my family. I have every intention to take all of these circumstances to the court as soon as I'm financially possible. This is a severe violation of every lending law and my rights. This is called discrimination and predatory lending. This is very clear violation of the law. Statements will be attached. 

Escrow Balance : XXXX Statement ( Last Stmt ) - XXXX - {$10000.00} XX/XX/XXXX - {$11000.00} XX/XX/XXXX - $ XXXX Escrow Payout : Total - ( XXXX ) * XX/XX/XXXX - ( - {$2000.00} ) Insurance XX/XX/XXXX - ( - {$5700.00} ) County Taxes Owed to me ( {$5600.00} ) The problem is also for the unapplied payments for ( XXXX, XXXX, XXXX XXXX As of XX/XX/XXXX my servicer has been transferred to XXXX XXXX and XXXX was attached. 

As of XX/XX/XXXX XXXX has stated upon a call they sold my mortgage in a few short weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Again and again while obtaining my credit report I've noticed inaccurate and fabricated information on my credit report regarding the account of Ally Financial Bank ... See attachment!!! On report XXXX date of last activity section of the following listing. Experian '' is reporting a date of last activity of XX/XX/2018. However, Transunion is reporting a date of last activity XX/XX/2018. If this is the same account, reported by the same creditor how are numbers different? THIS IS IN VIOLATION OF MY RIGHTS. This account has been so negatively impacting my life. While they are continuing reporting inaccuracies I have been disputing this for more than a year it has not been resolved. With little to no response back. I request that this account to be removed from my credit reports immediately due the face Ally Financial is reporting inaccurate and inconsistent information on my credit report.

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