vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/2020, a Venmo account with the same profile photo and username as my sibling requested {$60.00} from me that stated, " Can I borrow this really quick pleasee, I promise to give it right back tomorrow, Thanks!! '' My brother lost his job due to Covid-19 and I have been financially assisting him recently. Right after I sent the money, the account changed their username and profile photo and disabled the ability to communicate with the account or to reply to the transaction. 

I then tried to talk to an individual at Venmo and was placed in an 80 person long queue, I also called twice and spent hours on the line waiting to talk to someone. When I finally had someone respond to me, they told me that it looked like someone didn't hold up to their side of the " transaction '' and then told me to file a police report. They then told me to contact the scammer who requested the money. By instructing me to do this they admitted that the scammers account was still active. The company does not care that their is a giant hole in their system and zero safeguards from fraudulent venmo requests. 

More than likely, the person who stole {$60.00} from me has done this to hundreds of people. Venmo does not care and is complicit in this illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo needs to remove the PMI from my loan immediately. I have tried since XXXX to get them to remove this wasteful expense from my loan but they have been completely unresponsive. 

My home is in a strong real estate market that has only moved upward since the pandemic. I have a near perfect credit score, have never missed a payment on any type of account for the entire during of my credit history, have remitted payment on the XXXX of each month via auto pay to Wells Fargo since the origination of my home loan. I continue to pay my revolving debt in full each month and have continued performing on all accounts in the same way during the pandemic as before it. In short, I represent less than the least risk of default to the lender and guarantor. 

Yet, despite multiple requests, Wells Fargo continues to drag its feet on conducting a BPO and providing me with its valuation of my property so that the PMI can be immediately removed. 

I have filed two complaints with the bank and provided documentation including XXXX delivery confirmation of the PMI order forms, but unfortunately, while those representatives were very polite, neither was empowered to work with the PMI removal department to take action on my account or expedite the BPO ordering despite months of Wells Fargo 's delay.

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 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This account was back fromXX/XX/XXXX. The original creditor is world acceptance cooperation now they have turn it over to a collection agency whos name is ability recovery service. They have the wrong amount collected which is XX/XX/XXXXAnd the original amount which was owed to the original creditor is XXXX. The statute of limitations is up on this account and the collection agency is still trying to collect that is against the law. I would like for them to be fine the XXXX dollar For trying to collect on a debt that is too old. Ability recovery service didnt even send me a letter for me to say that I do not on this debt. It just appeared on my XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hope all is well during this covid-19. Listen, i normally go to the store to pay the bill because i never receive statement, however, due to COVID-19 and the store being closed down, I was shocked when I reviewed my credit report and found late payment mark on XX/XX/2020 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/20, I deposited four money orders and one cashiers checks to my account totaling {$2400.00} My monthly banking statement didn't reflect this deposit. I have complained to Wells Fargo and they said they have no record of the deposits even though I've shown them a receipt of the five checks deposited. They said their ATM malfunctioned. I take that as meaning they lost the checks. So I asked them to credit my account or give me back my money orders which we know they have because I have photograph proof of the deposit. This happened in XXXX, NC. at XXXX. Transaction # 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 2020-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I have been a customer since XX/XX/XXXX. Our first lease was returned XX/XX/XXXX. The car was in perfect condition. No damages. No penalties to us. 

Our new lease started XXXX, XXXX. In XXXX of XXXX, my payment arrived XX/XX/XXXX instead of XX/XX/XXXX. It was the beginning of the pandemic. Family members and friends were getting sick. Coworkers were dying. Very tumultuous time. I was in a state of confusion. I apologize for that. 

Kia charged me a late fee for XXXX. I didn't register what it was for, not realizing my payment arrived a few days late. I called several times and was unable to ascertain what it was for. I got several different answers. Additionally, I was locked out of my account. When I tried to get back in, I was told my account was purged ( deleted ) and I should start a new online account. Thus I have no access to the financial transactions that took place. 

Since I didn't pay the {$15.00} in XXXX, they took it out of my XXXX payment, causing a shortfall for XXXX. This repeated itself in XXXX and XXXX as well, resulting in four late fees adding up to {$60.00}

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 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have been financially impacted by the Covid 19. There is a late payment on my account. You are letting people skip payments, why was the reported to the credit bureau? There was a shelter in place order in my state. This does not seem fair.

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 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Military ID for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-14 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Military ID for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I should be receiving near {$10000.00} dollars through the XXXX  XXXX XXXX but everyday the transaction isnt deposited into my account and is pushed back until a later date.

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 2020-07-14 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: CA

Complaint narrative:
This is in response to Chase Reference # XXXX. My appeal was denied for a refund of 2 erroneous fees that were due to fraudulent misuse of my account with the merchant. The merchant did not provide any written proof to show that the fraudulent food deliveries were in fact delivered to my primary address on file with both them and Chase : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX. Simply stating that I had a previous relationship with the vendor is not grounds for denying my claim. I require proof that these two charges correlated with a delivery at my physical address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been disputing an account that is reporting on my Credit File with AMEX account number ending XXXX. It has been disputed through the bureaus and I even requested information directly from AMEX and they only sent me a generic reply. This account is past the statute limitations. Amex is not sending me the information showing when the last payment was made. They are not reporting correct information to the bureaus this is against the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
Company stated that this debt is no longer with their office but this debt is being verified by this same company on all three of my credit reports. If you no longer own the debt or have the debt in you office delete this debt from my credit report. You can not verify or keep reporting something that you have no access to any longer. Its unfair and against the law to keep doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: TX

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$410.00} ASPIRE/DOE XXXX {$5700.00}

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 2020-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On Friday XX/XX/2020 i XXXX XXXX applied for a Apple Card backed up by Goldman Sachs Bank. During the application process i had to take pictures front and back of my driver license card. After i submitted the application i was given a notification message stating that someone from the application department had to speak to me over the phone. On Saturday XX/XX/2020 I called Goldman Sachs Bank to check on the application status and they told me that they attempted to call me to speak to me and i advice to them That I didnt received a call from them. They told me that they will attempt to call me again the next day. On Sunday XX/XX/2020 I gave them a call again to check the application status and they again told me that someone from the application department had called me. I again told them that no one from the application department had called me. I requested to speak to a supervisor and the supervisor advice me that she had spoken to someone from the application department and that they will call me again within 24 hours. On Monday XX/XX/2020. once again i didnt received a call from application department. On Tuesday XX/XX/2020. I received an email from Goldman Sachs Bank stating that my application was denied because they werent able to verify my identification. I am really angry at the situation because i didnt received a call from Goldman Sachs Bank application department so they can speak to me. Goldman Sachs Bank was claiming that I couldnt call the application department because they dont take inbound calls. My XXXX  credit report was pulled and resulted in a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
A credit card was taken from my desk in my house by a grandson, used to charge {$1400.00} at a strip club, then returned to the house. Bank of America refuses to honor the dispute because the chip on the card was used and my name was forged on the receipt.

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 2020-07-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received an alert XX/XX/20 from my credit app XXXX  showing EXPERIAN has reported my XXXX account in the following language - Account is deemed as uncollectible by the creditor and written off as " bad debt '' or " loss '' " which RESULTED IN MY SCORE DROPPING 23 points. This is misleading and malicious credit reporting. I've spoken to XXXX, on a recorded line, and the credit representative states they DID NOT SEND IN THIS INFORMATION REGARDING MY ACCOUNT. 

For one, I am currently in a repayment settlement agreement since XX/XX/XXXX, paying {$59.00} a month. I've used Experian 's online tool to dispute the account showing the incorrect status information along with submitting supporting documentation - of the " alert language and the settlement repayment plan, they state they can't see the information because I am not a member, A PAYING MEMBER. Further, they state it's an automatic alert, yet no one at the company can tell me who sent it and why. The representative hung up. IT APPEARS IT COULD BE AN ATTEMPT TO SEND AN ALERT, DECREASE MY SCORE AND FORCE ME TO EITHER BUY A NEW CREDIT REPORT FROM THEM TO SEE WHAT'S GOING ON. I WANT THE MALICIOUS AND MISLEADING CREDIT INFORMATION REMOVED IMMEDIATELY!!

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 2020-07-14 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: LoanCare, LLC
State: NC

Complaint narrative:
XXXX I filed this complaint yesterday and now I have found new information that this is still not corrected. This is what I found today - see attached file. I have been making payments in the forbearance agreement - Loan Care was supposed to correct that but I wanted to send these two files - one I attached yesterday to the complaint number above and a new one I found today which still shows me being 180+ days late and that XXXX payment is late. I went online and paid the {$130.00} payment for the forbearance plan and in the account it stated I owed XXXX beginning XX/XX/XXXX as part of a Modification Plan BUT that clearly stated it begins on XX/XX/XXXX. XX/XX/XXXX paid the {$130.00} on forbearance plan payment of {$130.00}. This new report I found says XXXX payment is late ... ... ... how can this all be fixed?????

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 2020-07-14 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear, Im XXXX XXXX vet, on XXXX XXXX I purchased {$220.00} groceries of {$67.00} of sea food unfortunately they were expired on XX/XX/XXXX, the Tag shows sell by XXXX XX/XX/XXXX, on XX/XX/XXXX, i called the merchant XXXX XXXX XXXX XXXX and explained the situation I was told to bring the receipt and tag for refund also I told them I live 34 miles away and usually I shop once a month they said no problem we are very sorry and they will remove other expired sea food on shelves on XXXX XXXX I went there to get refund and shop but other manager stated no refund we dont refund after driving additional 68 miles, so I called XXXX Again he said if I FILE DISPUTE I will get my money back, So i filled dispute with PenFed about the charge {$220.00} a week later PenFed denied It without sending it to the merchant and no reason given so I called Penfed on XX/XX/XXXX spoke with XXXX XXXX she said they are so busy thats why they denied it but i will send an email to them to reopened and on XX/XX/XXXX after calling I was told my Dispute is not going to open but send email to card service maybe they reopened and get your money back, this is unethical and wrong since the merger PenFed service are in declined the dispute processes are different and not logical if they send my dispute I will get my money back. 
Thanks

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 2020-07-14 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX  XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$5700.00}

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 2020-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received and email from Macy 's to change my address for a purchase XX/XX/XXXX I never made the purchase. After changing my password and logging into my Macy 's account. There are several purchases dating back to XXXX on an XXXX card ( possibly a Macey 's store credit card from XXXX XXXX I called Macys, they said I would not be held financially responsible. But the account is still under my name/ social security number they have been making purchases using my online account in a Macey 's card under my name Macey 's stated there was nothing further they could do

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