vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: U.S. BANCORP
State: NY

Complaint narrative:
I appled for U.S. Bank XXXX XXXX card and was approved. The card arrived with no issue. Howvever, what happened next made me regret ever applying for that card and dealing with this bank. I activated my card online as instructed by the prints on the sticker on the card. When I tried to add my card to XXXX XXXX, I got a message stating that I needed to call the bank. I called the bank, and was simply told that there would be a " callback '' within 24 hours. I said no problem and waited for two days with no call. I noted that although the card had been activated I was not able to use the card ( per U.S. Bank, due to the pending " callback '' ). I called the bank and inquired the status of this callback, and was told that I had to wait another 24 hours. A week passed, there had been no such " callback '' ever. At the same time, since I received the card, I have been receiving 5 robo calls per day asking me to activate the card. These never stop spam calls drove me so upset, that yesterday I kindly asked to close this account. Well, surprise surprise, I was told that they can not close my account until someone does the " callback ''. I requested to talk with the unit within the bank which does this " callback '', and was declined. I then asked the Bank to remove my phone number from the robo calls, yet was also declined.

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 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX transfer {$250.00} from Wells Fargo to XXXX  XXXX XXXX XXXX Fraudulent end user did not provide product. Realized it was a scam and contacted Wells Fargo within the hour. No response from scammer regarding goods. Wells Fargo not backing fee even though we have been clients for 20 years with excellent 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 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: CA

Complaint narrative:
A mortgage payment check was never received. My first contact about this missing payment was from the mouth of the customer service rep was that I was being placed into collections. I started a research process with Movement Mortgage. I provided a copy of the carbon copy of the check that I mailed in on XX/XX/2021 for a XX/XX/2021 payment. I was finally forced to place a stop payment on the check. I attempted to place a payment on-line but was forced to contact Movement Mortgage customer service for assistance as the web page was not allowing me to pay the payment on-line. I was told that since my account was delinquent I could not pay the payment on-line. I was told by the first rep that the only was to resolve this issue to pay on-line now the second rep told me I couldn't on-line. Now I want to pay but I'm caught in a Movement Mortgage loop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: PA

Complaint narrative:
I have send several letter pertaining to this matter already, along with copies of the police report. 
XXXX XXXX Account # XXXX Balance {$500.00} Opened- XX/XX/2019

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 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I submitted a payment for {$2600.00} on a invoice amount of {$2500.00} on the XXXX of XX/XX/XXXX. The payment is due on XX/XX/XXXX and the loan servicer shows the payment in their system on XX/XX/XXXX. 
I began receiving calls from the Collection department on XX/XX/XXXX stating that i did not make a payment. The company then was able to see my payment and stated it was being returned, but was unable to tell me why. 
At this time I have been instructed that the payment is being refunded to me. The company is unable to tell me why. 
I have also been charged a late fee. 
At this time it is unclear where my payment is or how to rectify the issue. I am hesitant to send them more money as my bank shows they took the payment and have yet to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NY

Complaint narrative:
Collection notice Date : XX/XX/XXXX Amount : {$7700.00} includes interest Creditor name : XXXX XXXX, XXXX / XXXX XXXX XXXX XXXX. 
Collection Agency : Hunter Warfield On XX/XX/XXXX with index number XXXX a lawsuit was filed in the Supreme Court on NYS. The lawsuit is regarding poisonous chemical exposure and the presence of mold in the apartment I rented. I had to vacate the apartment immediately. The rent was fully paid up to XX/XX/XXXX the day I vacated the apartment. My lease was to expire on XX/XX/XXXX. XXXX. 

The collection agency was notified by Mr. XXXX XXXX, my guarantor on XX/XX/XXXX of that there is a lawsuit pending following a collection notification against him as well. 

I called the collection agency today after the receipt of the letter. At first they hang up on me and after subsequent call they notify me that they will not discuss that issue with me but with my attorney ( causing me to spend money on legal fees ). 

The letter I received from the collection agency is misrepresented and deceive the consumer stating that the department of consumer affairs phone number is attached to the letter- XXXX XXXX. When I called that number its the number of Hunter Warfield, the collection agency. 

If lawsuit was filed against the creditor on XX/XX/XXXX why the collection agency proceeding with unlawful collection in XXXX from me and my guarantor. 

The collection agency notified the credit reporting companies to affect my credit and Mr. XXXX credit. 

See attached documents. 

Sincerely, XXXX 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 2021-06-28 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: Nationwide Recovery Systems, Ltd
State: CA

Complaint narrative:
I have two charges from " Nationwide Recovery Sy '' XXXX on my credit report from Experian. ( {$69.00} XX/XX/2021, & {$89.00} XX/XX/2021 ). 

I call to determine what the charges are for and they tell me they are related to something medical in Florida, but can not tell me more. They also have the name XXXX XXXX but my social security number. That is not my name, nor have I had any XXXX XXXX in Florida. Someone has tried to steal my identity. Nationwide Recovery admitted this was wrong and claimed they would contact the credit bureau to have it removed. But they did not do this. I called them 3 times since then and the call is getting dropped.

I feel as if this company " Nationwide Recovery Sy '' clearly is following bad practices and when they see they need to make a correction to fix bad claims they just act by intentionally dropping the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My transunion credit file is locked to prevent unwanted credit inquires. My data was leaked in all the big leaks XXXXXXXX XXXX XXXX XXXX XXXX and others. I notice even though my file is locked or frozen when a company tries to run my credit report transunion still lowers my credit score for having a new inquiry.

Is freezing your credit file supposed to keep companies from checking your credit? Then why lower my score for an inquiry that led to nothing? 
Unless they still allowed the company to gain 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
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XXXX2021. After receiving mail from Toyota Financial Services with a statement balance, I sent Toyota Financial Services, requesting Validation of Debt pursuant to the Fair Debt Collection Practices Act on what was being reported to the Credit Reporting Agencies { Exhibit 1 } On XXXX2021 Toyota failed to respond in accordance with 15 USC 1692g ( b ) to produce any evidence which is a direct violation of Federal Law. { Exhibit 2 } Also, Toyota Financial Services ' written communication with a consumer didn't disclose that Toyota Financial Services was a debt collector attempting to collect a debt pursuant to 15 USC 1692e ( 11 ) In the same written response Toyota Financial Services stated false actions that didn't produce any evidence. Such actions from Toyota Financial Services was an attempt to lead to false belief that the alleged debt being reported to the Credit Reporting Agencies had been researched by their records they failed to produce. This is a violation of Federal Law pursuant to15 USC 1692j ( a ) Toyota Financial Services is also in direct violation with 15 USC 1692c ( a ) Communication in connection with a debt collection with their initial communication. 

Today, XXXX2021, I'm sending Toyota Financial Services my Affidavit of Truth along with Cease and Desist and I invoked my right to specified remedy. ( SEE Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX of XXXX, I applied for a mortgage on a new condo with Citi. Pre-approved instantly given my income and assets. Was approved for a mortgage by 1 other bank, but favored Citi because of the lower rate. 

I make XXXX a year, sold a business for XXXX in XXXX, and have guaranteed income for the next decade give or take. Also have upwards of XXXX in assets between two trusts. 
At NO time prior to maybe 3 weeks before scheduled close did XXXX EVER state the mortgage was at risk of not being approved. I often gave her easy outs if this cant be done, lets end this. Nothing. 

After being constantly unable to get ahold of XXXX ( at one point, it took 18 days for her to reply as to the status, when I had finally sold my unit so for 18 days I was potentially going to be homeless thats when I reached out to JPM ). 
JPM approved me in less time than it took XXXX to respond to an URGENT request, as things were now moving quickly. 

After ~ 7 months of speaking in circles, and XXXX in payments, XXXX XXXX me I need to start the application over -- 20 days before our scheduled closing, in hopes of securing a 50 % mortgage. If we were grading by competence, it took XXXX 6 months to accomplish 50 % of what JPM did in 2 weeks. She achieved half of what others did in XXXX the amount of time. 

( Application fee was XXXX, made in early XXXX XXXX XXXX has never returned a voicemail, the average response time is in the weeks, and Ive never been able to get ahold of her directly without at least 5 - 10 day wait. Her assistant is the only hope, and he rarely responds, never responds to voicemail, and maybe has a 3 - 5 day response time.

I dont care about the loan, I dont need a loan, but I do have 2 if I want them.

I would like my money back immediately, as the application wasnt even valid. 

I also dont think XXXX should remain in this business. I terminated other viable lenders because she assured me everything was okay with her, and then I ended up with ( potentially -- up to ) 50 % of what I was assured of, only after paying for ANOTHER application fee. 

I simply want my money back, and I do not believe she should work in this business. She does not answer any form of communication, she lead me and my team on with implications of approval, and failed to communicate the status of the loan until it was WAY too late to do anything about it. Luckily, I realized early on she was useless, and sought out other lenders -- otherwise I would be homeless, or have a 50 % mortgage loan. 


XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28 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:
Upon checking my credit in XXXX XXXX discovered someone used my information to credit and get medical care. Ive sent letters request validation to Transunion XXXX & XXXX. All 3 Credit Bureau ignored my request. With is a Violation of the FCRA!! I also asked for an update credit report via us mail and nothing was ever sent to me, with is another violation of the fcra!! Will attach ftc report and 605b letter dated XX/XX/21!! THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX {$1700.00} / $ XXXX {$500.00} Ive never done business with this company or entered into a signed contract! Focus financial also add this items to my Transunion file after they had been deleted without giving proper 5 days notice. This account is fraudulent and needs to be blocked!! Per fcra 605b.

2.XXXX XXXX XXXX {$350.00} Ive never done business with this company or entered into a signed contract with this company. 
All accounts are fraudulent accounts and needs to be blocked from my credit file. Per Fcra

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 2021-06-28 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:
Upon checking my credit in XXXX XXXX discovered someone used my information to credit and get medical care. Ive sent letters request validation to XXXX XXXX & Experian. All 3 Credit Bureau ignored my request. With is a Violation of the FCRA!! I also asked for an update credit report via us mail and nothing was ever sent to me, with is another violation of the fcra!! Will attach ftc report and 605b letter dated XX/XX/21!! THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX {$1700.00} / $ XXXX {$500.00} Ive never done business with this company or entered into a signed contract! Focus financial also add this items to my Transunion file after they had been deleted without giving proper 5 days notice. This account is fraudulent and needs to be blocked!! Per fcra 605b.

2.XXXX XXXX XXXX {$350.00} Ive never done business with this company or entered into a signed contract with this company. 
All accounts are fraudulent accounts and needs to be blocked from my credit file. Per Fcra

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 2021-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells fargo has to be the most INSECURE bank in the industry. This is my 2n complaint about FRAUDULENT XXXX transfers being my from my account. Wells fargo has failed to reimburse my initial claim on XX/XX/XXXX for XXXX now someone has hacked into my account and sent over XXXX total via XXXX. I have transferred over {$100000.00} out of my wells fargo account and I am in the process of transferring the rest of my money out about {$20000.00}. I am looking for Wells fargo to refund ALL of my money back to my account. I am going to the POLICE department and the FTC and the CFPB this is RIDICULOUS! 

Claim number : XXXX. Please stand by for CFPB case number.

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 2021-06-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Makes frequent repeated calls. Uses various numbers and spoofs numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: PA

Complaint narrative:
I have send several letter pertaining to this matter already, along with copies of the police report. 
XXXX XXXX Account # XXXX Balance {$500.00} Opened- XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: PA

Complaint narrative:
I have send several letter pertaining to this matter already, along with copies of the police report. 
XXXX XXXX Account # XXXX Balance {$500.00} Opened- XX/XX/2019

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 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2021 I received an unsolicited Cash App card in the mail and was able to find that it was linked to an account in my name. I have never opened or attempted to open a Cash App account so I immediately contacted Cash App support and they opened an investigation. I have asked Cash App what information they require to allow people to open an account because my credit file is frozen and the information on the account was very outdated but they said they would not tell me unless I submitted photos of my drivers license or passport along with a selfie of me holding those items. I refuse to give out more personal information so they will not provide me with any other information about the account. They state it has been closed as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I reported a fraudulent charge to Wells Fargo on the XXXX of XXXX against a transaction someone tried to make using my debit card to purchase a XXXX phone. I was told by W/F on Thursday that my account would be credited in two days. Someone attempted to make another attempt on XX/XX/XXXX with my card number that was closed on the XXXX to purchase the same XXXX phone. I have had a zero checking account balance since Thursday and money was also removed from my savings account. Wells Fargo said they would refund all monies owed in 10 business days. I want to open a fraud investigation into Wells Fargo. Is this the place to start? I dont have money for gas to get to work or money to buy lunch. Claim numbers XXXX & 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 2021-06-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that you they failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX I was never late on this account. Please ensure that all information is accurate

Company response to consumer: Closed with explanation