vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I wrecked my car in XXXX of 2019 and believe the auto loan that the bank repossed at my direction may have to do with fraud.., Reason is the letter Wells Fargo mailed me months later that the balance owed was being written off and removed from my credit seems too good to be true ... 

My XXXX  app I later used to improve my credit also had a discrepancy having to do with an auto loan, but nobody replied to my report on the app for resolution of this matter ...

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 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NC

Complaint narrative:
I have told them to stop calling me. They keep calling from spam numbers and call 3 or 4 times a day. I have told them to stop calling and they don't. This is getting old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data and Contact Management Solutions, LLC
State: NC

Complaint narrative:
I, XXXX XXXX, executor of estate of XXXX XXXX called DCM Services , LLC on XX/XX/21 & XXXX XXXX answered. I informed XXXX XXXX of my identity & I was calling to inform him that the estate of XXXX XXXX was insolvent in accordance with North Carolina General Statute 28A. XXXX XXXX asked if there was any real estate that could be sold to satisfy debt. Then, he asked if there was vehicle/personal property that could be sold to satisfy debt. Finally, he asked the question if there was any life insurance proceeds that could be used. It is illegal for a debt collector to ask a decedent 's relative to use life insurance proceeds to pay for the estate 's debt. I asked him about next steps/paperwork to finalize this claim, he said there wasn't any. 

I called again on XX/XX/21 & spoke with XXXX XXXX again. I followed up about estate insolvency and asked about paperwork to get the claim settled. I had to press him for an answer while experiencing XXXX XXXX hateful attitude and belligerence. Then, XXXX XXXX informs me the methods I could deploy to request a withdrawal of claim. I questioned him as to why didn't he mention the withdrawal of claim form to me on XX/XX/21 when I called him and he didn't answer my question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
These accounts were transferred or sold. As I do my research I learned that I am not liable for the alleged debt ; additionally, there is no written correspondence, contract, or signature. I feel that this accounts are adversely affecting my credit score I want this problem to get fixed asap. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A friend of mine went to Santander Bank in XXXX XXXX for a bank check. What happened to me in past with bank check fees infuriates me. My friend told me XXXX, a teller waived bank check fee as self payable reason as bank policy. In the past XXXX only waived the fee once as courtesy as doing a huge " favor " for her customers like me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a fraudulent debit charge of {$300.00} show up on my checking account on XX/XX/XXXX. The debit was to a gas station in XXXX Arizona. I live in the XXXX area in California. I have no other debits related to anywhere in Arizona. All my other debits are from where I live and work in California. I contacted Bank of America and they opened up a claim, canceled my debit card and issued a credit. Excellent service so far. On XX/XX/XXXX, I received a letter stating that my claim was denied and my account was recharged the {$300.00} fraudulent data. I tried to contact the bank 's fraud department 3 times to try to speak to a live person as to why the claim was denied. I could not get ahold of anyone. I tried a general customer service number and did get to speak to a live person who sent me to the same fraud department which hangs up on you unless you have a new claim. I'm sick of the run around. This is my first fraud claim I have had in 30 years banking with B of A. I at least would like an explanation as to why they denied it. They do state in the denial letter that they denied the claim because : " We didn't receive the information we requested from you or it was incomplete. If you have the information we need for your claim, we request that you send it to us in the next 10 days so we may reopen it. '' Just one big problem : the bank never reached out to me about this claim asking for additional information, no phone call, no letter, no nothing. 

I read the above quote as : Sorry, but we are going to sit on your fraud claim and not investigate for 3 months deny it and say it's your fault and charge back your account, Okay?? 

I am very disappointed that Bank of America can't keep my hard earned money safe and when fraud does happen one time in 30 years they decide to XXXX the customer. How many other people have they done this to I wonder?

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 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I received a new XXXX XXXX card because of fear of compromise. On XX/XX/XXXX I checked my PayPal Account to ensure all cards had been deleted from the wallet section. To my surprise my new  XXXX XXXX card has been placed in the PayPal Account without my consent or knowledge. 

PayPal tells me that someone has access to my card. This is not true. No one has access to my card. Problem is : PayPal for some reason will not remove an old email and mobile that were hacked back in XX/XX/XXXX. One of their customer service reps and I recently changed the primary email and phone number on my account. But their automated system is still asking for an email to be sent to my old email address for verification of my identity and to reset the password. There customer service people do not have a clue as to how to fix this issue. Their actions are robotic. They do not have a clue of an issue of this magnitude and complexity. I have sent numerous emails to no avail. The executive offices will not respond. 

This lack of customer care is unacceptable for a company like PayPal. Needless to say, If I ever get this rectified, I will have nothing to do with PayPal. Companies do not understand the enormity of these issues until It is felt in the bottom line. 

In the final analysis : the hackers still have access to my initial email account and they are having a hay day on penetrating my accounts and all because PayPal is unwilling to do their diligence to protect my account information. The old information needs to be removed from their system. 

Each time they try to verify me via their automated system and I know the answers to the questions are correct, I can not be verified according to their system. They need to update their automated system with the correct information. I am at a cross roads. I need help in fixing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
This company ( Professional Account Management Collections ) continues to email me saying I owe them for a debt to XXXX Texas Toll Authority. This is impossible because I have a toll tag with the authority that auto drafts from my bank account once I run out of funds. I have repeatedly tried to contact them by email and phone. Their emails bounce back to me as an invalid email address. Their phone line always says they are experiencing high call volumes and no on ever answers. Then when I put the invoice information in their online form in the emails they send me it says " invalid invoice number. '' I want the harassment to stop because I DO NOT OWE THESE PEOPLE ANYTHING!

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
My original home loan was sold to Nationstar dba Mr. Cooper in XXXX. In XX/XX/XXXX I sent my county tax bill to Mr. Cooper within 24 hours of receiving it in the mail. Mr. Cooper confirmed it received my tax statement. I assumed they paid it from my escrow. 
On XXXX I received a past due tax bill from the county I live in. I immediately called Mr. Cooper and they assured me it would be taken care of in 7 business days, and that they would now pay the almost {$600.00} late penalty fee. Seven or eight phone calls later my taxes still have not been paid. 
On XX/XX/XXXX I was told the taxes had been sent priority mail on Saturday XX/XX/XXXX. When the taxes had not been received, I called Mr. Cooper on XX/XX/XXXX and they told me two different stories. First the lady named XXXX told me the taxes were wired two days earlier, then XXXX told me after speaking to XXXX XXXX in the tax department that the check would go out that day ... priority mail. As of XX/XX/XXXX the taxes still had not been received by my county. When we called on XX/XX/XXXX we were told the taxes actually had not been mailed until Monday XX/XX/XXXX. No one at Mr. Cooper can provide us with a priority mail tracking number to prove it has actually been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CA

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THERE ARE NUMEROUS OF FRAUDLENT ACCOUNTS APPEARING ON MY CREDIT REPORT. I'VE SENT COUNTLESS OF LETTERS TO THE CREDIT BUREAU AND I HAVEN'T RECEIVED A RESPONSE. PLEASE HAVE THEM REMOVE FRAUDLENT INFORMATION. I'VE INCLUDED MY FTC REPORT AND POLICE REPORT,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear to whom it may concern, Please remove this from my account, this is a Closed Account and needs to be updated 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 2021-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
The leasing company XXXX is completey a sham and provides misleading and false information to lure consumers. On XX/XX/XXXX I was advised by XXXX XXXX XXXX in XXXX, VA that if I wanted to purchase a washer and dryer I would need to use the XXXX XXXX leasing company, XXXX. I was advised by the store rep the lease would only require a {$52.00} payment to begin the lease and that would be the only fee to XXXX, if I selected the XXXX day payoff. The items I selected at XXXX XXXX XXXX were a washer and dryer, both under {$500.00} each. I was told by the rep at XXXX XXXX XXXX that I would need to purchase an extender warranty for {$1500.00}. A week after the purchase I contacted XXXX in order to ensure the account was set for a XXXX day payoff. I was advised the account was set for a XXXX  day payoff and the payments would be XXXX XXXX monthly to accomodate the XXXX  day payoff. On XX/XX/XXXX I contacted XXXX to inquire about the remaining payoff, and I was advised by an XXXX rep that I would need to pay an additional $ XXXX {$400.00} in order to pay off my account for the XXXX  day payoff. When I asked for an extension to the XXXX  day payoff ( in order to properly look into the account ), the rep informed me that I could only receive an extension for XXXX week and it would cost me an additional {$100.00}. I also asked the rep repeatedly to provide me with details as to why I was being charged additional money other than the amount of the store purchase the rep refused and told me that I needed to refer back to the leasing agreement, however, I never received a leasing agreement. The email that I initially received from XXXX did not display the lease agreement. So if there were hidden charges I was not aware and that would go against what the XXXX  day payoff was offered in the store. XXXX has been less than professional, failed to be transparent, and the POOR customer service makes contacting and communication with XXXX so strenuous and draining, which overall makes it difficult to receive the proper and appropriate information. Basically, XXXX is using tactics to charge more than XXXX  day payoff and deters customers from receiving the proper information. I feel like I was duped into doing business with Acima by the XXXX XXXX XXXX XXXX knowing the false and misleading payment method of XXXX  day payoff. Also, this shady company does not make exceptions for me after being impacted by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CA

Complaint narrative:
Someone used my information to open a fraudulent account under my name and social appearing on Equifax. 

XXXX. XXXX Account # XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have been trying to apply for another American Express credit card and request an increase on my XXXX XXXX card for over XXXX months. I keep getting denied and I am not being told why. I even tried to provide the requested information to still get denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Made payment on XX/XX/2021. Yes the payment was late. They reported the payment as XXXX  days late to all XXXX credit agencies. Made another payment XX/XX/2021. On due date then charged late fee. And claim we made payment XX/XX/2021

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to Experian and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the RV, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.

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 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
The account is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: LEXISNEXIS
State: NY

Complaint narrative:
I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Theyre calling me from different numbers at all times several times per day during the day and night constantly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management Regarding Final Settlement for a Debt Collection I contacted Midland Credit regarding : Account : XXXX XXXX I contacted their offices regarding a settlement for {$300.00} for these accounts apiece. I spoke to XXXX XXXX. He transferred me over to XXXX XXXX. She in detail told me to fax over a handwritten letter indicating to cancel the dispute from a credit agency for which I did on XX/XX/XXXX. I in turn contacted them again on XX/XX/XXXX to follow up. I was told again to re-fax another letter over for which I did. I contacted them again today, and I told the CR that I am in the process of filing Chapter XXXX and was trying to settle these XXXX accounts for {$300.00} apiece. The lady CR said that nothing had been done and to refax another letter again, I told her NO! I had already done what they requested, and still no action. XXXX hit my credit report again, playing games, from XXXX to XXXX. 

I did what they requested for me to do in order to move forward with the final settlement and they are purposely ignoring it and play games on the telephone.

Company response to consumer: Closed with explanation