vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am the victim of a XXXX scam please assist me in any way that you can. 

On XX/XX/XXXX around XXXX PM I received a text message from Wells Fargo asking if I had attempted to send money to A recipient using XXXX. The text message asked me to reply yes or no, so I replied no. Less than XXXX seconds after my reply, I received a phone call from Wells Fargo customer service. I picked up the phone and the XXXX explained to me that somebody named XXXX XXXX was attempting to transfer {$3000.00} out of my bank account using XXXX. The XXXX explained to me that in order to reverse the transaction I needed to transfer the funds back into my account using the XXXX platform. The agent walked me through the steps on how to reverse the transaction. The agent told me to log into my bank account, access XXXX, type in my phone number as the XXXX recipient and transfer {$3000.00} back into my bank account. I completed the request of the XXXX and I was relieved that Wells fargo had protected my account from thieves. I was told that the transaction would take XXXX hours to see any changes in my account. 

Once the transaction was finished, I requested for the XXXX to send me a confirmation email of our interaction which he agreed to do so. XXXX minutes had gone by and I did not receive an email so I decided to call Wells Fargo to figure out why I hadnt received the confirmation email yet. 

Wells Fargo then explained to me that they never called me, and I was not speaking to a Wells Fargo customer service XXXXt. They had just notified me that I had been a victim of a scam. 

During the phone call with Wells Fargo, I filed a claim and waited almost XXXX weeks. On XX/XX/XXXX around XXXX AM I called Wells Fargo to follow up on my claim. At that time, Wells Fargo had notified me that I would not be receiving a refund even though this was a scam. They said they were unable to locate the funds therefore, they were not able to refund my money. They suggested that I file a police report which I did. I called Wells Fargo back after filing a police report. They further explained to me that I would not be receiving any funds back even though I filed a police report as they suggested. 

I would like to file a complaint against Wells Fargo bank. I was scammed and it feels like no one wants to help me recover my funds back. To lose {$3000.00} to a scam is disheartening. I had confidence that my bank would reimburse me the money that I lost, but they treated me as though this situation was all my fault. I have been a customer of Wells Fargo 10 or 15 years so I was expecting for them to handle this situation differently.

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 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TN

Complaint narrative:
Per complaint XXXX, I disputed account on the XX/XX/2021 and the collection agency continued to call WHILE THE COLLECTION WAS STILL IN DISPUTE! That is what the first complaint was about but the collector refused to acknowledge. It states with XXXX  that you do not have contact with the collector while in dispute which is why I am questioning the validity of this debt. But the only thing that should be addressed NOW is why I was still receiving calls while my collection was in dispute. See the complaint number listed above for call logs showing dates times and phone numbers associated with hunter warfield.

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 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have provided an FTC report and stated the constitutional laws that were being broken by this agency. They have replied by stating that the accounts in question have been validated by the creditor and have failed to provide such proof. Also according to the constitution, the " original creditor '' which in this case is me, I am the ONLY party that can validate such a debt. The " creditors '' that this agency is referring to is only allowed to ASSUME that a debt is valid. Along with such malpractice, agents of this agency have told me that they do things according to " policy '' & not the law. This agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they HAVE PROOF. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature & proof of identification, or presence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I traveled to XXXX in XXXX where I utilized my Chase Sapphire Preferred card to rent a car. I was unfortunate to be in an accident with another vehicle. I had to pay in cash at the moment of the accident to retrieve my passport and not get arrested. I contacted the cards benefits services ( XXXX  ) to get compensated for what I paid in regards of the car that was totaled. I have been providing all documentation that they requested even while the rental agency was not cooperative as I would wished for. After I provided all documentation and one examiner finalized my claim, they stated that it was not finalized and that they needed to investigate it more. They stated that the claim was given to the underwriters and it was out of their control. I have been going through financial hardships in regards to this claim taking so far about 4 months, and it resulted into selling my house to pay back the cash amount that I had to borrow for paying for the damages. They have been acting in bad faith since the beginning of the claim, they do not review documents, they keep telling me that since it is a high amount value claim it needs to go to the underwriters and that it will take another 30-60 days or more. I have tried to contact Chase but they keep transferring me to the same people again and again. The amount that I paid was approximately XXXX MAD to the rental company. They are literally the worst to deal with since they do not provide you with any help to even retrieve the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-20 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Well, Synchrony bank mastercard approved me for a {$1000.00} limit credit card about 5 months ago. I have made on time payments and even paid off the balance in full. After, I paid the balance in full they reduced my credit limit to {$250.00}. Therefore, decreasing my credit score by XXXX points. They did this at the same time they reported the payment. Which in fact had a negative impact on my credit score. I gave no reasons for them to review account and decrease my credit limit. They do this quite often, my husband had a card with them and he used it and paid it off. After he paid it off they didn't decrease his account they actually closed it. His credit score also took a dip. I dont know if anything can be done about this as it has a very negative result for consumers. I think this should fall under unfair practices.

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 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Today, Monday, XX/XX/XXXX I received a writ of XXXX in the mail for a balance that I am unaware of. I contacted the collection agency ( XXXX XXXX ) to get more information and I was told that I can not stop the garnishment since it had been filed with the courts and my only recourse was to either wait for a copy of the requested account information be to sent to me and let the garnishment take place or pay the balance in full. I was told that the information would be mailed to me and it can take XXXX weeks to receive it. When I inquired more about the debt I was told that it was from a XXXX account with Bank of America in the amount of {$6300.00} and then with FIA Card Services and a judgement was entered against me in XXXX and that XXXX XXXX had the account since XXXX. I informed them that I was never served any paperwork and that this is the first time I'm hearing of a debt. I asked if the garnishment could be put on pause until I received the documentation as I felt it was unfair to be penalized for a debt that may not be mine. I offered to make a payment arrangement as well as find out if a settlement could be made until the paperwork was received in order to stop the garnishment. I was told that if it was found out that the debt was not mine that I would be refunded the money taken from my 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 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I have a conventional mortgage with NewRez mortgage and despite numerous calls and e-mails the company continues not to acknowledge I have overpaid on my escrow and refund overage The company has paid my XXXX tax bill reflecting amount that will need to escrowed for XXXX and tell me they never got my tax bill

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX my vehicle was voluntarily surrendered ( XXXX XXXX XXXX ). Paid {$19000.00} and pay-off was {$20000.00}. The cost to repair is {$7000.00}. Tried to communicate via electronically and phone to try and resolve, but they would not listen. I am citing Equifax for being on their side after showing them all evidence. I just wanted Equifax to report a remark to " Volunteered Surrender on the credit report. Equifax states that they are only following procedure and report exactly what XXXX XXXX dictates to them. 
I wish for Equifax and XXXX XXXX of Texas to remove all information from my credit bureau file, but I know they will not listen to me. MAYBE THEY WILL LISTEN TO CFPB. 
You can reach me at XXXX or cell phone XXXX XXXX XXXX XXXX does not know where the vehicle is and I have told them. 
PS 2 : Would like XXXX XXXX to surrender title in order for me to fix {$7000.00} repair. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: NM

Complaint narrative:
I submitted fraud on charges made to my Chase Freedom Visa card on XX/XX/2021, to XXXX online for the amounts of {$140.00} and {$10.00} I even received an email of the XXXX items being delivered to an address in Texas, with a picture of the front door. I NEVER ordered these items and don't even know anyone living in Texas. I have used XXXX online before but these are not my charges! Chase did reverse the original charges while they were investigating. I got a notification from Chase saying that they reviewed my case and " determined I received benefits from these charges '' and they were therefore putting them back on my credit card. I called again and told them they were not my charges. I then received another letter dated XX/XX/2021, that said " You asked us to review our previous findings to the fraud claim on the credit card account above. Here are our findings : Our latest review confirms the previous finding that the transaction is valid. 
The transaction will remain as part of your account balance... blah, blah, blah. '' They are blatantly calling me a liar. I have had this credit card for SEVERAL years and have ALWAYS paid my balances off. My credit score is well over XXXX. I am flabbergasted at how a company can determine that I received benefit from something that I was no part of and that someone could actually charge something to my credit card that I have no awareness of and I'm being told I am responsible for them I cancelled this credit card ( and they reissued another card ) but I am going to cancel my account as I no longer want to do business with a company that doesn't look out for the welfare of their customers and am considering moving my mortgage as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The primary problem is as follows : Today, XXXX XXXX, 2021, I tried to close a Citi Card ( American Airlines Advantage ) card. 
1. I called the phone number on the credit card statement and forced my way through endless menus. When I finally reached the option I wanted - i.e., to cancel the card- the phone system immediately hung up. 

2. I redialed the same phone number and again forced my way through the menu. Once I reached the option to cancel the card, the phone system immediately hung up. 

3. I called the General Support & Servicing phone number in my portal. When I finally ( forcibly ) reached an option to cancel the card, the phone system immediately hung up. 

4. I called the Apply for a Card phone number in my portal in an attempt to reach a person. The phone system asked for my social security number ( SSN ), which I refused to provide. My SSN would link me immediately to my active card. 

I never could reach an actual person. 

The secondary issue, which I did not address right away, is that I never authorized Citi Cards to update my card to Platinum Select. I never activated the card they sent to me in the mail. 

Your help would be most appreciated to cancel this card. I am appalled that a company such as Citi Cards would exercise such practices. 

Thank you, 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 monetary relief
Consumer complaint received 2021-12-20 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
1. Received notice of approval for credit card I never applied for on XX/XX/XXXX with Genesis FS Card Services who do business with XXXX XXXX XXXX 2. Called on XX/XX/XXXX when received a bill them in the amount of : {$3800.00} for XXXX items purchased from XXXX I never purchased to speak to their fraud department and was told they could not transfer me after dialing the customer service number on the statement : XXXX I then asked for the direct number to the fraud department and was given : XXXX which redirected me back to the same person who answered the customer service number. So they now have my home telephone number.. 
3. I went to the website for XXXX and see it is a company in XXXX, upon seeing this I am going to assume this is a scam that is all related and I have no idea how I will get out of this. However, the voice of the person who answered the Customer Service number for the credit card sounds just like the person who I spoke too when I had an account with XXXX XXXX which I paid off in XXXX and for very close to the same amount I am being charged now by this new credit card company. 
4. Should I call XXXX about this being that they are in XXXX? 
5. Please tell me what to do? I never had this happen before. 
6. I am a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I began a process to refinance my home with Wells Fargo in early XXXX. My initial contact was with XXXX XXXX XXXX. The first question I asked was, " If my home is on delivered water, will this be a problem? '' She double checked with someone and assured me it was not a problem. Later, XXXX XXXX, the appraiser, assured me this was not a problem. I continued with my application process for two months uploading documents. Later, I dealt with XXXX XXXX. 
The appraisal visit at my home occurred and was submitted in XXXX by the licensed appraiser assigned to me. She had comparable sales and established a value for my home. I continued to submit documentation as requested. 
I submitted my last documentation on XX/XX/XXXX. I inquired with XXXX for an update on XX/XX/XXXX. He said my application was with the underwriter. At no time did anyone say there was a problem with the appraisal. I emailed XXXX again XX/XX/XXXX and heard nothing. I emailed again XX/XX/XXXX and got " out of office ''. I emailed XXXX and heard nothing. I logged in to view my application and it had disappeared. I called XXXX, she informed me that my application could not move forward because there were not comparable property values for my property and a value could not be established. I have in my possession an appraisal done by licensed appraiser XXXX XXXX with 3 comparable properties and a value for my home. I would like to know how the determination was made by Wells Fargo to reject the appraisal of my property by a licensed appraiser chosen by Wells Fargo. What are the qualifications of the individual rejecting the appraisal? How can they make that determination without visiting my home or looking at the comparable properties? Why do I need to pay for an appraisal if someone else is going to make an arbitrary decision and override the appraisal? Finally, once this decision was made, I was not informed and my application and all its documentation just disappeared. I received no phone call or email explanation until I reached out. This level of customer service is very poor. 
I have attached a copy of the appraisal report that Wells Fargo has rejected. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

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