vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I was recently a victim of credit card fraud in the amount of {$180000.00}. Of this total, {$42000.00} was not refunded to me. Unauthorized withdrawals were going from my bank account at XXXX XXXX XXXX XXXX, to my credit card company XXXX Barclays XXXX XXXX. When i realized the automatic withdrawals being taken out of my bank account were in excess of my credit card bills, and more frequently than my normal payment schedule, i spoke to my bank. They were able to research and figure out where the money was going to and why. However they only reversed a portion of the unauthorized transactions. They then told me to take the rest up with my credit card company. When i contacted my credit card company they told me they can not help me and i would have to take it up with my bank. So no one wants to help remedy this and I am at a lost of a significant amount of money, {$42000.00} Dates and amounts of transactions that were taken from my bank account without my authorization : XXXX {$13000.00} 2. XX/XX/XXXX {$9000.00} 3. XX/XX/XXXX {$4100.00} 4. XX/XX/XXXX {$11000.00} 5. XX/XX/XXXX {$12000.00} 6. XX/XX/XXXX {$6400.00} 7. XX/XX/XXXX {$5000.00} 8. XX/XX/XXXX {$8300.00} 9. XX/XX/XXXX {$9700.00} 10. XX/XX/XXXX {$12000.00} 11. XX/XX/XXXX {$7100.00} 12. XX/XX/XXXX {$2000.00} 13. XX/XX/XXXX {$4000.00} 14. XX/XX/XXXX {$6000.00} 15. XX/XX/XXXX {$7100.00} 16. XX/XX/XXXX {$7500.00} 17. XX/XX/XXXX {$6000.00} 18. XX/XX/XXXX {$11000.00} 19. XX/XX/XXXX {$7800.00} 20. XX/XX/XXXX {$5000.00} 21. XX/XX/XXXX {$8300.00} 22. XX/XX/XXXX {$9700.00} My bank reversed only some of the transactions listed above, however the following transactions were not reversed : 1. XX/XX/XXXX {$11000.00} 2. XX/XX/XXXX {$7800.00} 3. XX/XX/XXXX {$5000.00} 4. XX/XX/XXXX {$8300.00} 5. XX/XX/XXXX {$9700.00} I am reaching out to you because neither my bank, nor my credit card company will reverse these unauthorized transactions, resulting in a total of {$42000.00} stolen from my account. The bank and my credit card company have left me with no one to turn to, please help me get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: IN

Complaint narrative:
immediately after closing on our house, our mortgage was sold to a mortgage servicer ( Planet Home Lending, ) a year into paying our mortgage, PHL sent a letter w/ the mortgage statement saying that we needed to pay {$340.00} more than our mortgage payment because our escrow was short. We paid it & then the next month, we got the same letter w/ the statement asking for another {$340.00} for the same reason, we paid it. The next month the letter w/ the statement asked for {$290.00} over our normal payment. We paid it. The month after that, we received a letter stating that our new monthly payment would be {$1300.00} as opposed to our payment we normally paid which was {$1200.00}. Being that I was a XXXX XXXX XXXX  myself, I caught the error, I could tell that when they were estimating the taxes, they looked at the previous year. The previous year the house was owned by an investor so the taxes were over double what we pay with our homestead exemption. I called them and spoke to customer service and explained what I believed had happened as well as sending them the actual tax bill for the current year showing much less than what their letter stated the taxes would be & they told me they would do an escrow analysis & get back to me. The responded that their analysis showed that they were correct & we would have to pay {$1300.00} from then on. Even though I still knew they were wrong, we went ahead and paid what they asked because we didn't have time to fight them over it. After over paying our mortgage for over a year, I finally had enough & I went through and created a spreadsheet showing their statements, our payments, the escrows etc ... my spreadsheet showed very clearly they were over charging. I sent it to the VP of finance. Within a month she sent us a letter stating : " At this time we are reviewing the loan to ensure a thorough response, upon completion of our research, we will respond to your inquiry within any timelines required by applicable law or regulation. '' That letter was dated XX/XX/XXXX and today is XX/XX/XXXX and we still have not heard from anyone. They did however drop our mortgage payment back down to where it originated and actually {$3.00} less, yet they follow that up by saying we'll have to pay {$45.00} more the month after that. Still no explanation, apology or reimbursement for the {$980.00} they over charged for the 1st 3 months they miscalculated our taxes/escrow or the {$84.00} a month they over charged for over a year. I tried to contact the VP that wrote the letter saying she'd look into it, she said I would have to contact customer service & customer service refused to speak to me. I tried calling them 3 times today & each time after being on hold for a while their end hung up on me. I have the spreadsheet, their letter and all our mortgage statements and escrow information available if you'd like to seem them. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have been made aware of a debt that was reported on my credit report. I have reached out to this company and the credit reporting agencies and have not been given verification of this account. I know for a fact that I did not have any contacts in place with this company, or the company that " bought '' the debt from XXXX XXXX XXXX. I am asking that this be verified by providing any contacts that were signed and dated with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: NJ

Complaint narrative:
I use Netspend and have multiple ( 5 ) accounts with them As normal netspend, netspend XXXX, among 3 others. This accounts all have unique emails associated with them that I use nowhere else and they are hosted on my own domain netspend @ ( example ) .com, netspendmlb @ ( example ) .com. Today I started getting fraudulent emails to these email addresses that only netspend knows about since I never reuse these emails. Either their systems are compromised and they are leaking emails or their employees are using these emails for fraud schemes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may assume that no proof of the alleged debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I have tried to get in touch with the XXXX XXXX XXXX repeatedly about this situation. They are currently reporting an account on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I have tried to get in touch with the XXXX XXXX XXXX  repeatedly about this situation. They are currently reporting an account on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I've been sending in documents to the servicing company of my loan to help with a short pay so I wont lose my home. Apparently the servicer decided to withdraw my application. stating it was incomplete with no activity for 30 days. That is a lie, I have been sending documents daily to this company and if there was some thing that needed to be completed then I never received a notice stating it was incomplete. Failure on their part to notify me put me at further risk of losing my home. Since I will not be making the payments they want because of lack of funds to do so. 
I can however obtain a loan for the appraisal value and pay this company off but they would rather see me lose the home than help me retain my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been attempting to set up an escrow payment account with BMO Harris mortgage company since the beginning of the year. After a series of errors and delays,, the company finally collected the amount of {$3800.00} to an escrow account. on or about XX/XX/2021. However, the company has never started my escrow payments on my monthly bills. I have made numerous calls to the Customer Service number XXXX, and am always told the issue is pending and will be resolved '' tomorrow, '' or " next week, " but they will not allow me to speak to the escrow department. They always say they are escalating the issue for action. 
I was promised the account would be active for XXXX, then they changed it to XXXX. Now we have missed the XXXX billing period so it is pushed to XXXX. The taxes will be due to XXXX XXXX County by XX/XX/2021 so we need to get going! I have tried to work this out with the company but nothing has been accompished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/2021 my digital asset account with Gemini Trust Company LLC, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, NY XXXX was frozen during a withdrawal transaction. I have reached out to them but no one answers the phone. I have sent emails but no one replies other than an automated bot system. The value of the digital asset at the time of the attempted withdrawal was {$640.00} USD and now has dropped in value. As a result of Gemini exchange placing a freeze on my account for no apparent reason I have lost gains. Upon further research this is an increasingly known problem with this exchange and it is becoming worse. The XXXX  has a plethora of other complaints regarding this company. Do not under any circumstances do business with this crypto exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information XXXX A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX  on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am getting repetitive phone calls after I answered call and told them not to call back. They are trying to contact someone else other than myself. I am getting calls when I answer I am telling them I am not the person they are looking for and not to call back. Sometimes they leave a message, sometimes they do not. The calls have been coming from different locations and different phone numbers in other states. I use my phone to perform my job in which I place and receive calls across the country. I have no way of filtering out which of these calls are important to perform my job and which ones are harassment calls from XXXX XXXX XXXX XXXX. Once again I am not the individual they are trying to reach and I do not have any outstanding debt to be collected. Most recently : call XX/XX/2021 @ XXXX call XX/XX/2021 @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, after having contacted Capital One to confirm that there would be no fees for transfer or for exchange of currency from Euros to dollars ( Capital one claimed that there would be no fees ), I chose to initiate an international transfer to Capital One, rather than the XXXX XXXX XXXX XXXX, who charges {$25.00} for international transfers. However, Capital One did not disclose that they do not use the Federal Reserve and a good exchange rate, but rather use an intermediary bank that charges not only a fee but also uses a poor conversion rate that results in a loss of approximately 2-3 % of the funds. Since I use a major credit card with no fee, I'm aware of how much variation there is in the currency exchange rate and this far exceeds normal variation. In addition XXXX uses the Federal Reserve currency exchange rates and I will be using them in the future to avoid this problem. In response to my complaint, Capital One has stated, " Capital One received funds totaling [ [ REDACTED ] ] Euro and converted the funds to US Dollars at an exchange rate of 1.153, which was the accurate rate for XX/XX/2021. Please know that resources available online to consumers often show exchange rates for bulk conversions in the millions of dollars. '' Note that the exchange rate on XX/XX/2021 was in fact XXXX, and was never below XXXX during that entire 6 day time period, and that XXXX in no way represents an accurate rate for XX/XX/XXXX, XXXX https : //www.federalreserve.gov/releases/h10/hist/dat00_eu.htm Is Capital One not required to disclose the use of an intermediary bank or subpar currency exchange rates? This represents a huge loss of funds that was not disclosed to me, and thus represents deceptive banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I added {$1400.00} from my Wells Fargo checking account to XXXX XXXX on XX/XX/21. The transaction was declined by Wells Fargo and they sent an email with the declined message. The {$1400.00} was withdrawn from my checking account instantly on the same day. When I called Wells Fargo I was told there was a system issue and to call back tomorrow. I call on XX/XX/21 and spoke with four different bank reps who all say this is a known issue but my funds cant be released until their investigation is completed. I am stuck waiting on their resolutions team to correct this issue while I cant access my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I have tried to get in touch with XXXX XXXX repeatedly about this situation. They are currently reporting two accounts on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank is PERMANENTLY closing a branch at XXXX XXXX XXXX XXXX, Georgia XXXX. This is wrong on so many levels. First this is a low income area and 60 %  XXXX and another 12 %  XXXX. The closest office they are leaving open to this low income minority community is on XXXX XXXX XXXX, high income area right beside XXXX XXXX an Ultra High income area. This should not be allowed ; the closing during COVID has put enough hardship on this community that has seen huge job losses and now Wells Fargo will take more good paying jobs away from this low income area. An investigation into their decision should be done and every effort to keep them open in this community should be made. How much money did the government give them to keep these jobs?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID TO OPEN THESE ACCOUNTS INMY  NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation