vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello! I have a Credit Card ( Platinum  ) with Wells Fargo Bank, and I am having problems with the outstanding balance of each month, since I am being charged up to {$150.00} more in each payment. And I noticed that in my last statement, where the bank is charging me {$850.00}, and when I make my own sums of what I must pay it gives me a result of {$360.00}. I tried to fix that problem with the bank, but when I called they told me that I am not paying the full balance, and that is why money is accumulating in my outstanding balance. Which is a lie, because I am 100 % sure that with each payment I make, I pay 100 % of my outstanding balance. They refused to try to continue helping me, and I even asked them if they could start a further investigation, and they refused. I need your help, because my money is being taken from me in a blatant way. If you need my personal information, and my bank account information, I can gladly provide you. But please, I need this case cleared up as soon as possible. My suspicions are that the Wells Fargo Mobile App does not record some payments I make, and what it does is accumulate and accumulate payments that have already been paid each month. In fact, when speaking with the Wells Fargo customer service assistant, I gave him that idea, so that they would study my problem further, but they refused, and they kept firm that " I don't pay my balance completely '', but it is not like that, I am 100 % that I pay every month " Everything, without leaving late payments '' Thank you very much for your help, I fully trust you. God bless 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 2020-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I have been recieving mutiple phone calls from a so called company name XXXX XXXX XXXX XXXX. Then they send me valdiation letter of debt from XXXX XXXX. The email was XXXX  claims divison. i try to look up their information and their is no information on this so called company as in XXXX XXXX  XXXX XXXX or XXXX. The orginial loan is from cashnet. I have paid off all my loans. Cashnet emailed me back stating that it is a scam and fradulent activity. The debit is from XXXX XXXX they can not give me an exact date and they will send me anything in the mail to back up their claims. I have asked them twice not to contact me. They continue to contact me. If anything the orginal loan was under 500 dollars. I do not recall ever taking that loan out. Nothing has ever shown up on my credit report regarding this loan. I take care all of debits cause of past mistakes. I wanted to clear this up but they do not want to work with me without a checking account which i will not give over the phone. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 the company XXXX advised me that a full refund would be on the account. They advised that the credit would appear in 10 days. It has now passed this timeframe and the email states that the credit would appear as of XX/XX/2020 I contacted Citibank that is affiliated with the Best Buy Visa Card. The amount of money that is due to be credited to me is {$530.00} this has yet to be seen on the Visa statement that is in dispute. The Citibank Visa Department has yet to handle this as they sent me to fraud which they advised is closed. This card is showing a huge balance and reporting incorrectly with the credit bureaus. I have advised them and the company which is big has been failing to make the corrections to my balance to correct my bureau for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I need validation of this debt. My insurance company has paid any outstanding medical bills. I have no recollection of this debt. It is on my credit report and I've never recieved a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint to remove negative items. I have hired XXXX XXXX on XX/XX/2020 to do credit repair on my behalf. While XXXX XXXX is challenging my negative items with the 3 major credit bureaus ( Equifax, XXXX, and XXXX ) the following items have passed the statute of limitation : DPT ED/XXXX, DEPT of ED/XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX XXXX. The 3 major credit bureaus ( Equifax, XXXX, and XXXX ) are refusing to remove these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX Vehicle loan through Capital One. Car was totaled in an accident. After insurance balance on account was {$1400.00}, gap insurance was supposed to cover and did not. Started making payments to resolve account. Made all payments in full and Capital One turned over as a charge off when the account was paid. Now this has made my credit score drop almost 100 points and I now have a negative rating on my report. Disputed and all they did was update as paid. Did not remove the negative hit on my credit. Another dispute has been submitted and Capital One will not discuss account any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: FL

Complaint narrative:
I am a Victim of identity Theft. I did Not give any Consent to open these accounts

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 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have a mortgage with XXXX, but it is serviced by Nationstar Mortgage LLC. I will usually make an additional principal payment on the first of the month along with my normal mortgage payment. There are three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) when they incorrectly apply my additional principal payment. Instead of going 100 % to the principal, they will treat it as a prepaid mortgage payment. This causes me to still pay the interest that is owed for the next month 's payment. 

At the current rate, I have the potential to pay 10s of thousands of dollars extra in interest over the life of the loan since they will not correctly apply my payments. I have to call in everytime to fix the issue, and they tell me that I am doing something wrong, when it is there system that is messed up. 

I'm luckily enough to working in finance, and I track my own mortgage payments down to the penny in my own spreadsheet, so I know when something is messed up. I'm concerned about all the other people who think they are making additional principal payments, but the mortgage servicer is screwing them out of thousands of dollars over the course of the loan. This is stealing. This is fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Wont Allow Me To Link My Account With Other Accounts. XXXX, XXXX, XXXX All Say The Same Error Message. When I Call PNC They Dont Know Anything And Says Its On The Other Businesses End.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
On XX/XX/ I received a letter from ERC stating that I owed {$5400.00} from XXXX XXXX from over 5 years ago. I need further verification about this debt from an account that was closed and a charged off amount. I sent a letter on XX/XX/XXXX requesting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
Well on XX/XX/2020 i had sent the Bankofamerica XXXX $ Now On XX/XX/2020 I Had went To the Atm And check My Blance now then It Said My Blance was XXXX Now On XX/XX/2020 I Checked My Blance i See that Its XXXX. $ now some one Has Stolen My XXXX $ Now Could you find Out Who And Why you Have Stolen Money Out Of My Saveings Account I Need To Save All That I Can Save And Just For some unknow person that Knows how to Steal from Induviduals Like Myself i Dont think Its Fair 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 monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc.
State: MT

Complaint narrative:
I have repeatedly called the debt collection agency to pay my debt and left a voicemail, during their regular business hours, and they have not answered or called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: FL

Complaint narrative:
I am a Victim of identity Theft. I did Not give any Consent to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: FL

Complaint narrative:
I am a Victim of identity Theft. I did Not give any Consent to open these accounts

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 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am tryin to transfer money from my PNC bank acct to XXXX to trade stocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CT

Complaint narrative:
Account with XXXX XXXX XXXX ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my XXXX, and Equifax reports. This is NOT my debt. I have reported to XXXX  and Equifax and they investigated yet the item remains on my reports. I have disputed to XXXX XXXX XXXX and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My wife and I have a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( EIN XXXX ) specializing in art prints, room decor and melamine plates for children - all our products are 100 % Made in the USA. We have been in business since XXXX. 

Due to COVID-19 XXXX XXXX has seen a significant disruption and drop in orders and revenue combined with a loss of a Texas-based supplier of melamine plates. 

XXXX XXXX has 2 credit cards with Chase since approximately XXXX, and we never missed a payment ; in fact we always pay all our bills on time. In XX/XX/XXXX, I reached out to Chase regarding their advertised " COVID-19 support for XXXX XXXX  '' campaign that promised : " ... We're committed to supporting you during these challenging times ... ''. We did not have a minimum payment due on both cards between XXXX - XX/XX/XXXX. However, we have been charged exorbitant interest fees of {$1000.00} ( between XXXX - XXXX at 15.99 % ) on one card, and {$640.00} ( between XXXX - XXXX at 13.24 % ) on the other card. The interest rates continued to accrue during this COVID " assistance '' period. On XX/XX/XXXX I contacted Chase customer service explaining that we continue to face significant disruptions in our business due to COVID and requesting ( 1 ) a reduction in interest rates going forward ( so that we will pay off the cards ) and ( 2 ) a waiving of interest fees for XXXX - XXXX period. Ideally we would need a reduction in principal as well but we have not asked for that since the interest rates were according to Chase " non-negotiable ''. Chase 's hard-line approach and unwillingness to work with a XXXX XXXX  such as ours so as to allow us to stay in business and continue to XXXX here in USA is counter to the words and promises that Chase makes every day in the media and to government agencies and in the end will cause our and so many other XXXX XXXX to go out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
The company calls my phone repeatedly during the day, while I am at work. I have asked them repeatedly to stop calling me several times a day. 
Currently, I have a settlement offer setup on my account to be paid off by XX/XX/2020. 
I have payment arrangements set. 
( bad enough, I requested help several times with payment extensions due to lowered income because of COVID-19, and was refused help ) I made a payment on the account on XX/XX/2020, and another payment set to come out on XX/XX/2020. On XX/XX/2020, I began receiving calls from Cashnet. Each call, I explained the settlement offer, and asked them not to call me again, unless my paymnet on XX/XX/2020 doesn't go through. ( which is proper collection practices based on FDCPA ). 
However, I received more calls the next day, day after that, day after that, and even received a call, today. The day after my payment was cleared through my account. 
I requested on XX/XX/2020 for account to be notated that I have payments setup, and was assured that the calls would stop. 
THIS IS HARASSMENT. THERE IS NO CAUSE for them to continue calling me each day, after I have explained myself and asked them to stop, when information is clear to see on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: TX

Complaint narrative:
I became a NACA member with the belief that they could help me " Achieve the Dream '' of home ownership. I worked with them for over a year, doing EVERYHING I was told to do until I finally became " Qualified '' and instructed to look for a home. Found a home and became excited!!! I was given several closing disclosures, and several clear to close notifications beginning in XXXX but never moved to closing to this date XXXX. I went into contract on the property XX/XX/ and the seller became inpatient with the process and no real answer to what was holding up the process, she put the house back on the market. I was instructed to get inspections, structural engineering report ( costly ) and now I've loss the property at no fault of my own. I just don't think it's fair. I've been advised to look for another home but without knowing why I didn't get this one, I'm very discouraged about the whole process. I didn't get a denial just not an approval and the house is not available to me any longer. There has got to be something someone can do to help me. Just to get an explanation would be a positive start at resolving my issues / complaiint. Help me to understand what I could do differently to get a better outcome

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation