vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/20, an unauthorized transaction of XXXX was made with my Citi bank account using XXXX. I contacted the bank, but they denied my claim. I appealed, but with no avail. They stated I authorized the transaction since the person had access to my user name and password. I sent Citi bank an affidavit stating I did not give permission or authorization for the transfer of funds. I contacted the local police and made a police report. The account should have been flagged before the transfer went through. I never had large amount of money in that account. The person who made the unauthorized transaction deposited a fake check and sent the money using XXXX before the bank was able to validate it. A few days later the check came back fraudulent and my account showed a negative balance. I knew nothing of it, until my account was locked. On XXXX XXXX I submitted another appeal.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received unemployment on US BANK RELIA CARD. My account was hacked so I filed a dispute on XX/XX/2020. They had me do the online verification. I did that 10 different times. I also faxed over my social security card and my identification card. I have received a eviction due to not paying my rent and all my bills are late with fees. They still have my account restricted and were going into 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 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: TX

Complaint narrative:
Received a " VISA Debit card '' in the mail today ( XX/XX/20 ) that I did not request or apply for from US bank ( ReliaCard on the front ).

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have been charged a pre-payment penalty on a Barclay 's credit card that has been disguised as a " late fee. '' On XX/XX/2020, I made a payment of {$150.00} for the statement period ending XX/XX/2020. On XX/XX/2020, I made a payment of {$100.00} for the statement period ending XX/XX/2020. On XX/XX/2020, I was assessed a " Late Payment Fee '' in the amount of {$29.00}. On XX/XX/2020, I made a payment of {$250.00} for the statement period ending XX/XX/2020. I was then assessed an additional late fee of {$29.00} on XX/XX/2020. 

Per my credit card agreement, there are no stipulations for pre-payment penalties. After trying to resolve this with the company both through online communication and via telephone, Barclay 's has refused to correct their error and issue a refund.

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 2020-12-30 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: NV

Complaint narrative:
I found out someone was using my personal info to open accounts in my name when I applied for a credit card for the first time in years as I have always used cash and rarely used my credit in over 8 years. I disputed all fraudulent items with the major credit bureaus and filed a police report and an identity theft report for everything that has happened. I did everything the credit bureaus asked me to do and still the items remain on my credit. I should not be held liable for accounts that I didn't authorize or open.

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 2020-12-30 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: NV

Complaint narrative:
I found out someone was using my personal info to open accounts in my name when I applied for a credit card for the first time in years as I have always used cash and rarely used my credit in over 8 years. I disputed all fraudulent items with the major credit bureaus and filed a police report and an identity theft report for everything that has happened. I did everything the credit bureaus asked me to do and still the items remain on my credit. I should not be held liable for accounts that I didn't authorize or open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mediation Recovery Center
State: NJ

Complaint narrative:
I got a call from a company called XXXX XXXX XXXX ) They said they represented XXXX XXXX for a XXXX XXXXXXXX XXXX XXXX and stated that I owe the balance of {$270.00} and they would settle the account for {$130.00} at the time I was going to schedule a payment but then looked at my phone and got a spam risk notification from the phone number that called me the debt collector did not verify any information did not follow the FDCPA disclosure this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose so I requested a letter to be emailed and hung up and called XXXXXXXX XXXX for verification that this was legitimate upon talking to XXXXXXXX XXXX they stated they have no record of any accounts under my social security number, I looked up XXXX on the XXXX XXXX XXXX website and they had more than 40 complaints Each one just like the last. I Called XXXX back the representative that answered the phone again verified no information did not use the FDCPA disclosures and discussed the debt with me I advised him that I contacted the original creditor and they stated that this was a paid in full account. The representative said that I had to call the original creditor back and get a letter stating that it was a paid in full account I also asked why they didnt verify information or Follow the FDCPA. The representative said that there were already multiple letters sent I advised him that I was a XXXX at a collection agency and knew that that did not matter the FDCPA had to be followed on any communication from a debt collector. I told him that I would file a complaint with the FTC and he stated that he would take this account out of collections there was no need to file a complaint with the FTC.I ended the call there but its very worrisome that this company has Sensitive information about me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I applied for an XXXX XXXX Credit Card on XX/XX/XXXX. It was an in flight application that was handed to me. I filled out the application and handed it back to the attendant. They placed in on a seat as I watched and I had to remind them it was there. 

Since this application date I have not heard anything. I called XXXX XXXX customer service XX/XX/XXXX and XXXX ( text ) instructions to call B of A customer service at XXXX. I then called B of A and spoke with XXXX that alerted me that no application was on record. 

I am concerned for my personal info being out there. It is my belief that the attendant mishandled my application or misplaced or lost it. It is now out there for anyone to get. This seems like a severe breach of security. 

My Flight was XXXX XXXX to XXXX departing at XXXX I would like XXXX to take action to protect me on this account.

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 2020-12-30 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: OH

Complaint narrative:
Experian has prevented me from accessing my account for for inability to identify me. There is no number to call to get help. There is false ( fraud ) that the agency allowed to be placed onto my account, but offer no real remedy.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See new information supplied. I have made at least 50 complaints regarding XXXX XXXX XXXX XXXX who loaned for a car in my name but was identity theft ; account # XXXX. However there is still misunderstandings. The credit reporting agencies reply with form replies on complaints and have stated " For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. '' There are misunderstandings. The car purchases were identity theft. Credit was given to the thieves using my name. I never had use, benefit, or possession of the two cars. I assisted XXXX XXXX XXXX XXXX is locating and taking possession of the car. I filed the attached identity theft report I filed the attached Sheriff 's report. The thieves were also using stolen cards to make the payments. The thieves were also stealing from my mailbox. XXXX  and Transunion need to understand that XXXX XXXX XXXX XXXX will list this complaint as a duplicate complaint again without supplying any explanation, supplying a copy of the credit report pulled in my name, nor has XXXX XXXX XXXX XXXX explained the incomplete credit application that was processed nor have they supplied the permissible permission used to access my credit report. I expect Transunion and XXXX  to review the documents and remove the negative listing from my credit report. I intend to file complaints and petitions that my credit report was accessed without my permission and XXXX XXXX XXXX XXXX allowed criminals to purchase a car in my name.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See new information supplied. I have made at least 50 complaints regarding XXXX XXXX XXXX XXXX who loaned for a car in my name but was identity theft ; account # XXXX. However there is still misunderstandings. The credit reporting agencies reply with form replies on complaints and have stated " For example, organizations that have granted you credit or with whom you have applied for credit, or entities collecting on transactions that you initiated or on judgments rendered against you, are permitted to make inquiries on your credit report. '' There are misunderstandings. The car purchases were identity theft. Credit was given to the thieves using my name. I never had use, benefit, or possession of the two cars. I assisted XXXX XXXX XXXX XXXX is locating and taking possession of the car. I filed the attached identity theft report I filed the attached Sheriff 's report. The thieves were also using stolen cards to make the payments. The thieves were also stealing from my mailbox. Experian and XXXX  need to understand that XXXX XXXX XXXX XXXX will list this complaint as a duplicate complaint again without supplying any explanation, supplying a copy of the credit report pulled in my name, nor has XXXX XXXX XXXX XXXX explained the incomplete credit application that was processed nor have they supplied the permissible permission used to access my credit report. I expect XXXX  and Experian to review the documents and remove the negative listing from my credit report. I intend to file complaints and petitions that my credit report was accessed without my permission and XXXX XXXX XXXX XXXX allowed criminals to purchase a car in my name.

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 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I did not get any notification or correspondence of any type in regards to their attempts to collect debt, also the debt in question was paid prior to the company appearing on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
We are processing papers for a bank approved short sale when I was admitted in the hospital for XXXX XXXX hence I could not complete my papers before the deadline and the mortgage company has decided to go ahead with foreclosure. My husband is sick with XXXX, just had XXXX therapy. The mortgage company is PHH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the XXXX  data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to my request.

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 2020-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC
State: DE

Complaint narrative:
To Whom It May Concern : I paid my balance off in full the Rise Credit company on XX/XX/2020. The credit report update made for XXXX is not reflecting my balance being paid in full. It is only reflecting the payments I made in XXXX. In speaking with Rise Customer Service, they stated that their system reports payments made in the previous month not the payments in the current month even if it is paid in full. I disputed the balance with the credit bureau, but Rise Credit is responding saying the balance is correct. 
Since my payment was made in full on XX/XX/2020, I believe that Rise Credit should have reported to the credit bureaus that my balance is XXXX. Rise Credit reporting that my balance is {$3900.00} after my payment was made is incorrect on my credit report and I would like it to be resolved by updating the credit bureaus with the correct balance of XXXX. See attached payment in full documents and screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: WA

Complaint narrative:
Last year I was on an income based repayment plan that was {$97.00} a month. My wife has {$60000.00} in student loans and we have XXXX children as well as an additional family member living with us, my wife can not work and I am the only person bringing in an income. My income has not changed. I applied to recertify my IBR and they failed to review my spouses student loan debt even though she authorized them and I have proof. My full regular payment which I have been paying for the past two months- since my IBR expired is {$340.00}. I have proof of payments and a letter from AES stating so. So now they have proceeded to approve my XXXX for a payment of $ XXXX an amount that is HIGHER than the full payment. They have lied and said the full payment is $ XXXX even though I have all the supporting documentation that the full payment is {$340.00}. I have emailed them numerous times as well as requested a complete breakdown of their figures and they have not provided this. I have wasted 2 months going through this process. Why would they approve my for an IBR for a payment that is higher? Why would they put someone through that? I need a manager to tell me the truth- with the honest figures, and for them to stop lying. We are in a worldwide pandemic, and clearly I am applying for an IBR because I can not afford the full payment. It is incredibly uncaring that they would make me go through this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 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: WA

Complaint narrative:
In short, I was scammed by XXXX. I used my Chase Sapphire Reserved credit card to pay for this since it should have consumer productions against fraud. 

The seller sent an incorrect product that is worth {$5.00} to scam {$130.00}. I tried to do a chargeback with Chase because fraud was committed and Chase did NOT look at all the facts and sided with XXXX. The proof is in the XXXX tracking information provided below. I bought a bathtub which is very big and heavy ( XXXX ) as indicated on XXXX  product page and received something totally different. The XXXX tracking information shows that the package I received is XXXX. I'm not sure why Chase sided with XXXX when the tracking information itself shows that I received the WRONG item and XXXX is not willing to work with me for a refund. 


XX/XX/2020 - I purchased a bathtub from XXXX for {$130.00}. The weight of the bathtub in the description of the product page is XXXX kg. XXXX XXXX XXXX? XXXX XX/XX/2020 - I received a package from XXXX but it was not a bathtub. It was a flash light instead. The tracking information from XXXX shows that the weight of the package is XXXX. This is enough proof that the seller sent the wrong item. XXXX XXXX XXXX XXXX XX/XX/2020 - I opened up a dispute with XXXX  requesting for a full refund due to not getting the correct product. 

XX/XX/2020 - XXXX denied the dispute saying that I received that correct item. 

XX/XX/2020 - Requested chargeback with Chase since the seller committed fraud. 

XX/XX/2020 - Chase denied chargeback due to seller providing tracking information that I have received the product. 

XX/XX/2020 - Contacted seller for address to return the product since I did not want a flashlight and am willing to take a partial refund due to frustration in this whole process. Seller is unwilling to provide address for a return for an item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
After 7 years banking with Wells Fargo, I Recieved a letter stating that they are closing my account and that its a business decision. I called and went into the branch only to be told that its a business decision and they cant tell me anything other than that. This account closure has stalled my business, and damaged its reputation. I buy and sell cars. I cant pay rent, cant pay my bills, cant pay anything because Wells Fargo decided to close my account. They did not give me a legitimate reason for closure. They also refused to provide a XXXX  report upon closure. Stating that they can not provide one to me.

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 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. The have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.

Company response to consumer: Closed with explanation