vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, for a few separate months they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and tried disputing it with the company because I had paid it and the website said they received the payment and not my mistake but they haven't removed them. This was an issue with their website that i was assured was corrected. They acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
XX/XX/2021, XX/XX/2021, XX/XX/2021 was reporting as past due during the pandemic and they stated that I would not get a late pay. They have the other months for this year showing correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The account has a fraudulent charge of {$21000.00} that I have raised to Wells several times now but they refuse to assist me in reversing the charge and closing out the 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 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a registered business in the state of Georgia and have several business accounts with Wells Fargo for a long time. Recently between XX/XX/XXXX and XX/XX/XXXX I had several fraudulent and unauthorized ACH debits from several of my business accounts and one personal savings account totaling {$190000.00}. We reported to the bank immediately and they did put money back for some small debits into some accounts but there are still approx. {$160000.00} of fraudulent debits they have not refunded. They have told me that the case is closed and they can not do anything with the above money. Wells Fargo does not have a specific person who is accountable and responsible to solve the above problem. They simply want me to go away. I have been a loyal customer for them since XXXX and have several business accounts and personal accounts with them. I need some serious help with the matter to avoid bankruptcy.

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 2021-10-22 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE INQUIRY IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: DISCOVER BANK
State: MA

Complaint narrative:
Discover was given the tracking number in a dispute I opened with them -- they seem to be siding with XXXX who I also filed a complaint on with another agency for how they stated that they handed to me an order when in reality it was refused for being late. I never got the package - never opened it etc, and XXXX knows that but is lying to Discover. Discover could EASILY look at This is what XXXX says Order placed XX/XX/2021 Total {$22.00} Ship to XXXX XXXX XXXX Order # XXXX View order details View invoice Delivered XX/XX/XXXX Your package was delivered. It was handed directly to a resident. 


But the tracking number is Shipped with USPS Tracking ID : XXXX And if DISCOVER was to simply put it into USPS tracking ( not that hard just pop in usps track a package into XXXX -- they would see this : XX/XX/2021, XXXX XXXX Return to Sender XXXX XXXX, MA XXXX Your item was returned to the sender on XX/XX/2021 at XXXX XXXX in XXXX XXXX, MA XXXX because it could not be delivered as addressed. 


XX/XX/2021, XXXX XXXX Refused NORTH XXXX, MA XXXX So it could not be handed to me on the XXXX like XXXX says DISCOVER because it is in the USPS 's possession going back to the original sender. So if I don't have it and you can see that then I expect the credit of XXXX because you and XXXX are incompetent! You have issues you and XXXX take that up with the USPS not me who never even got it handed to me as XXXX lies to you and you are just as stupid to believe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been a victim of credit card fraud and a flawed review of the issue. 

Foreign high dollar transactions were made on my credit card : XXXX XXXX {$4900.00} ; XXXX XXXX {$3000.00} I was not aware of these fraud transactions. According to the company these transactions were approved by text messages. 
On XXXX XXXX, I received a call from the company with concerns regarding these high dollar transactions. However, I could not speak with the company representative at that time and called the next day to follow-up. The company sent me an email later that day that they were researching my fraud claim. I would point out that I did not make the claim as I was not aware of the fraud attempts, the concerns originated with the company. 
On XX/XX/XXXX I called and confirmed that the transactions of concern were, in fact, fraud. That should have stopped the transactions from moving forward. That did not happen. 
I continued to follow-up with the company fraud department and then I escalated this issue to the company executive offices as the fraud department resolved that the charges were my responsibility based on the text messages. I did receive follow-up calls from the company executive offices, but again was told this could not move forward. I would point out that follow-up with the company executive offices took two months, multiple phone calls and emails from me and two Team Managers before I received a follow-up response. 
Again, I would emphasize that despite the company claiming to receive text authorizations they remained concerned that these transactions were fraudulent and called me for confirmation. And, again, I confirmed that this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
To whom it may concern : I have tried now for almost 3 months to receive a call back from my account manager XXXX XXXX Phone Number : XXXX Ext. XXXX To discuss the error billing on my account.They continue to change my payment amount from {$1800.00} to {$2200.00} Ive advised its not correct to no avail, that was my payment prior to my loan transfer..I was behind on my mortgage from XX/XX/2021 to XX/XX/2021 for a total of {$7500.00} Ive made a total of 4 payments for {$1800.00} x 4 = XXXX, XXXX I can supply proof if needed from bank statement. 

They continue to insist that Im paying the wrong amount so Im tact Im no longer behind Im only due for my XX/XX/2021 payment.. 

This company is very difficult to deal with and no one unfortunately has a the skills to help properly..Its a simple math! I am desperate for help as this is a serious situation & I cant seem to get help.. 
Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I continue to have a mixed credit file from Equifax. This has been ongoing for years now. They tried to fix it today but now it's 100 % blank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I have a collections account on my file that I have never done business with from NATIONAL CREDIT ADJUSTERS , L.L.C # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NM

Complaint narrative:
Early XXXX I fell victim to identity theft. The people now have a picture of my drivers license and SSN. XX/XX/XXXX I saw an inquiry on my XXXX XXXX app to Discover Credit Card that was not made by me. I called Discover to dispute this inquiry, but it leads me to an automated system that just asks if I would like to create an account and apply for a credit card. I then tried to dispute the inquiry with both XXXX and XXXX. XXXX states they need an FTC documentation in order to process my dispute. My credit report dropped significantly due to this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Financial Services open an account by extending my open credit line not by actually lending me money and then turn around and tried to make me pay on a debt I technically lent myself. I sent the CEO and company an affidavit of truth stating all the federal codes and laws they broke, a cease & desist, and a bill of particulars with certified mail on XX/XX/2021 from XXXX XXXX XXXX XXXX in XXXX, Az they never responded to any of it. I then sent out another Affidavit, cease & desist, and bill of particulars with resisted mail On XX/XX/2021 and they still never responded. My account balance is {$1700.00}. I called them today XX/XX/2021 and they informed me that my account was closed but I haven't even missed a payment while going through this administrative process with them, and according to 15 USC 1691 ( a ) that is another violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Collection Management. Inc
State: TX

Complaint narrative:
The call came from this phone number : XXXX ( my XXXX said the location of that number is XXXX, TX ) and they claimed to be a debt collections agency called CONSUMER COLLECTIONS. They claimed that I had a XXXX XXXX  done on XX/XX/2018 by XXXX XXXX and that XXXX sold my late bill to them. The bill was for {$480.00} and they said that there were late charges tacked on to it. They had an old address and claimed the bills had been going there. They also said they'd take {$100.00} off if I paid today, right now, otherwise the bill would be " sent in '' ( to where? ) and it would increase. They did not take credit cards, only debit cards. 

I called XXXX XXXX and they said they did not have an open invoice, nor could they find the record for XX/XX/2018 of a service performed. I called CONSUMER COLLECTIONS back and they said that's because XXXX  no longer owns my records CONSUMER COLLECTIONS does, and XXXX does not have my info because they no longer own the data. 

I asked XXXX to share with me all of the debt collections agencies they've worked with since 2018 and none of them are CONSUMER COLLECTIONS. 

When I called them back, they were very aggressive with me and said they'd send my debt to all of the credit agencies and send it in " for judgement ''. I have no idea what that means. I also asked them for their website, which they said they did not have because they're not required to, as they don't sell any product. They would not send me the bill in question until after I made my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
my house was damaged by a tornado on XX/XX/XXXX. 
i sent my insurance settlement check in the amount of {$100000.00} next day air on XXXX to my mortgage company, Flagstar Bank, which received it on XXXX. copies of paid receipts for repairs which had already been completed including a roof replacement, as well as required deposits to order items including 3 windows, garage doors, and a fence, plus the bills to remove trees from my attic, driveway, fence and swimming pool. i received a phone call on XX/XX/XXXX informing me that my check for the first installment would be mailed on the following wed. On monday i called to confirm that was still the plan and to inquire why certain items which had been marked as received and accepted were now reported as inactive. i was told i need a new repair affidavit because the notary did not date it. ( He did but not to their satisfaction ) i was told if i faxed it to a supervisor 's fax rather than the general fax number or emailed it that day the check could be issued by the end of the day. It was faxed and emailed but not until the afternoon and when i called to speak to the supervisor at flagstar, she was no longer available and did not call back. the following day it was sent again. calls were made in an effort to speak to her but again not returned. the next day the mortgage was refinanced with rocket mortgage and flagstar told me they would no longer release any money and it would be 30 days before the funds transferred to rocket mortgage. the customer service representatives at flagstar were unwilling to explain why they could not release the initial XXXX or why it would take another month before they would send the proceeds to the new mortgage holder. the only answer provided was repeating that it takes 30 days even though their website already reflects the payoff and XXXX balance. once again no supervisor was available to talk to me and no supervisor called back. the insurance company can not help since the check was already cashed. XXXX  XXXX  can not help because they haven't officially been told the funds even exist.

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 2021-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a natural person and a consumer. This is not a duplicate complaint. After WELLS FARGO AUTO received my Cease and Desist letter, stating that they cease all communication with XXXX XXXX and XXXX XXXX, WELLS FARGO sent me a letter of repossession warning, stating they are attempting to collect a debt which is is violation of 15 USC 1692c ( c ). This is also a form of communication and a violation of my privacy rights. I did not give WELLS FARGO written instructions with permission to share my personal information with anyone. I have made several attempts to obtain validation of this alleged debt pursuant to 15 U.S. Code 1692g. WELLS FARGO AUTO has made it clear that they will not be sending anymore documents required by federal law to validate the alleged debt. At this time, pursuant to 15 U.S. Code 1692g ( b ) of the FDCPA, I am requesting the name and address of the original creditor which WELLS FARGO AUTO MUST provide. WELLS FARGO AUTO has stated on the record that the FDCPA does not apply to them and that they have their own set of laws to comply with. WELLS FARGO AUTO has also stated on the record that they will continue to collect the alleged debt, and that the Cease and Desist only refers to communication. This is a violation of my consumer rights! By requesting the name and address of the original creditor, WELLS FARGO MUST cease all attempts to collect this alleged debt until they provide the name and address of the original creditor.

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 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HOVG, LLC
State: PA

Complaint narrative:
It was taken of my credit report 2 different times and it shows up with different companies now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I came to the ER with low belly pain on XX/XX/XXXX, but the pain had subsided by the time I saw a resident doctor. The only test I received was a blood test which came back normal after 3 hours of waiting. However, XXXX XXXX XXXX sent one hospital EV bill {$2500.00} to my insurance company XXXX XXXX and {$500.00} to me. I called XXXX regarding the bills and asked why upcoding my bill, I was told I do not need to pay the hospital EV bill. My insurance company rejected payment. XXXX sent {$1700.00} to a collector in XX/XX/XXXX. This EV bill is charged with {$2500.00}, but XXXX sent me three different bill statement with three different balance. The collector directly reported to credit bureau to drag me credit score down without contact me. Based on publicly available information for patients without health insurance from FAIR Health Consumer, a moderate-level XXXX visit, such as for a pain with fever is about {$400.00}. it appears XXXX XXXX is taking advantage of the fact that I do not have dispute ability and is blatantly abusing that power. 

XXXX ( University of California XXXX XXXX XXXX ) neither providing the review result nor making correction to my credit report. They continue to abuse their power to send the debit to PROGRESSIVE MGMT to draw my credit score down. They always make money with upcoding or services that dont exist at all. This is a very despicable act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2021 {$600.00} XX/XX/2021 {$200.00} XX/XX/2021 {$50.00} XXXX XXXX took these amounts from my bank wsfs. Turned it in to both companies. I need my money back ASAP.

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 2021-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Im am elderly retired XXXX. I traded an old XXXX for a newer model at XXXX XXXX here in XXXX. They made me wait 10 hours and then come back next day to close. They tacked on a {$2500.00} warranty solution to the sale. And {$490.00} for a document fee. The warranty I assumed was for 3 years but it was only for 3 months. Then they gave me a 15 % interest rate with capital one. I am just coming out of bankruptcy another year and half. But still this is outrageous to treat an disabled elderly women like this. At the most they should pay me back the fraudulent warranty solution. And the interest rate is discriminatory capital one gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I Have been seeing this account on my credit report, But this account dose not belong to me and i dont know why its showing up on my account. I have an actual account with the same people and MY account is in good standing and is alway paid I wasnt aware you could have 2 credit cards from the same place.. this account is unauthorized, and I do not know anything about it.

Company response to consumer: Closed with non-monetary relief