vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank BestBuy card just added over {$1000.00} worth of interest fees to my account. After notifying them of the financial difficulties I have experienced during this pandemic. I've been out of work for several month due to contracting Covid and I also loss several members of my immediate family to covid. I attempted to reach out to customer service regarding this matter and no one from that company was willing to help me. I was even denied to speak to a supervisor when requested. A copy of this complaint has also been sent to the Attorney general 's office.

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 2021-02-16 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: First Advantage LNS Inc.
State: MD

Complaint narrative:
I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.

15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors. 
FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


XXXX XXXX, ****XXXX XXXX***, NATIONAL CREDIT AUDITCO**XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXXXXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We ask for Mortgage Forgearance11 months ago with Wellsfargo. 
They gave me the run around over and over until I finally got my Congressperson involved, then they granted 180 days, and I believe have extended it another 180 days as its a FHA loan. 
I have been out of work since XX/XX/XXXX no fault of my own due to the Pandemic, and do not get unemployment or any other assistance. 
I did sign up for social security as I am now XXXX, and had not other way to try and pay my bills. 
The money I get from SS does not even come close to what it takes to live on.

Now looking at my statements from Wellsfargo, it apears that they are tacking the full monthly payment on for each of the last 11 months onto my loan, and did not at any time decrease the total loan amount. 

I owed XXXX on my loan in XX/XX/XXXX, payments of XXXX per month. 
Now I owe XXXX A additional amt of XXXX, Wellsfargo only has to pay the loan investor, thats a small portion of the XXXX payment due each month. 
Wellsfargo recieved billions in PPP and Grants due to the pandemic. 
We impacted home owners are just being screwed ny the banks once again. 
XXXX, XXXX, My XXXX when are you going to stop XXXX the home owner? 

This program does nothing for the home owner, except to drive us into foreclosure and loose all of any equity we still have left after the XXXX scandal that the banks caused, due to there greed. 

If I was a renter, I would have not been evicted, and owed nothing. 
Why are home owners getting the shaft?????? 

This is discrimination, and another bank con game.

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 2021-02-16 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: Pacific Credit Exchange Corporation
State: AZ

Complaint narrative:
On XX/XX/XXXX i spoke with XXXX XXXX regarding an outstanding balance for a car that was reposed XX/XX/XXXX. He asked if i had been contacted by a collection company named Pacific Credit Exchange i informed him i had not. He offered a settlement in the amount of {$2800.00} that was required to be paid XX/XX/XXXX in full in exchange for the account to be deleted from my credit. As agreed i paid the the balance contacted XXXX and he had the account removed. Two weeks after the removal, Pacific Credit Exchange ( collection company ) reported the original balance of {$9900.00} as unpaid and is refusing to remove this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Brclysbankde ran my credit. I received a hard inquiry and I have not applied or given permission for anything like such. The inquiry is marked XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I have been getting calls at least 2x a day from. Comenity in regards to my XXXX account. Not only are these calls excessive, I have told someone contacting me by email is best since my cell phone speaker barely works and I can never hear anyone. 

This morning ( XX/XX/2021 ) I had missed a phone call at XXXX XXXX, after I returned the call the agent I spoke with was very rude and talked over me. After we got to the root of the problem, she offered to put me into their hardhsip program. I asked for a call back as I was getting my son ready for daycare and she replied with " but you're the one who called me '' so I hung up. Then not even half an hour later I get another call where the gentleman barely knows what is going on, and as I'm trying to explain I was just on the phone and the lady didn't care, he was also talking over me. I asked him to let him speak and he continued to talk over me. If your agent would like to continue to be so ignorant, so be it. I will NOT be making payments over the phone with these idiots and I am requesting a do not call to be placed on my account. If the do not call is not placed on my account and I continue to receive calls, I will be going another route as a CFPB complaint clearly holds no meri to you. As someone who also works closely with consumers, I find this representation of your company absotlely horrendus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I placed a freeze on my Experian report on XX/XX/2021. On XX/XX/2021 Experian released my credit report to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Ive tried contacting Bank of America ever since I opened the account with them. And theyve never graduated my secured credit card and its been almost two years since I opened the card. Ive tried contacting them and they have given me extensive reasons as to why they deny my request. But they mostly dont make any sense to me. They said one of my accounts showed delinquency. Which isnt true since Ive always paid my bills on time. They just want to keep charging me an annual fee for a card I dont even use since it doesnt have any benefits. But I dont want to close the account either because I would lose the credit history

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 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: PA

Complaint narrative:
I don't know where to start. Enhanced Recovery Company began stalking me for payment of accounts in XX/XX/2018. They called me at home, at work, they called my family and friends! Finally after they threatened legal action against me, I paid them, and at the time they said all collection activity would stop, and that they would DELETE the items from my credit report. They have failed to hold up their end of whatever " bargain '' they coerced me into! I DEMAND SOME FORM OF JUSTICE! HAVEN'T I ENDURED ENOUGH FROM THESE MONSTERS? HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: LoanCare, LLC
State: FL

Complaint narrative:
To whom it may concern, Delinquent account underwent three transfers over a 7 year period : from XXXX XXXX  to XXXX XXXX/LOANCARE to LOANCARE. Each time the account was transferred it received a new account number. As a result, the delinquency is reflected on my credit report beyond the 7 year time limit because the account last received a new account number in XX/XX/XXXX, making it look like it was a newly reported delinquent account at that time. Date of first delinquency is XX/XX/XXXX, and this account should be removed from my credit reports as directed by the Fair Credit Reporting Act. 

Thank 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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A & O Recovery Solutions, LLC
State: KY

Complaint narrative:
Refused to listen and take it off my credit reports. FTC has already filed this bill as ID Theft in 2019. I will not fill out a identity theft form from them since FTC and their law enforcement has it on file. They know how to look up from FTC if COLLECTION company is legi as they say.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-16 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: Foreman Financial Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX i spoke with XXXX XXXX regarding an outstanding balance for a car that was reposed XX/XX/XXXX. He asked if i had been contacted by a collection company named XXXX XXXX XXXX i informed him i had not. He offered a settlement in the amount of {$2800.00} that was required to be paid XX/XX/XXXX in full in exchange for the account to be deleted from my credit. As agreed i paid the the balance contacted XXXX and he had the account removed. Two weeks after the removal, XXXX XXXX XXXX ( collection company ) reported the original balance of {$9900.00} as unpaid and is refusing to remove this inaccurate information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2021, my credit monitoring account on XXXX XXXX reported a XXXX drop in my credit, from XXXX to XXXX, as reported to XXXX XXXX by Transunion. Today, XX/XX/2021, fourteen days later, I still see no evidence that my credit situation has changed in any way to warrant such a huge drop. Transunion has not provided to XXXX XXXX an altered report reflecting the XX/XX/2021 drop, nor does the credit report on Transunion reflect any changes, other than their own internal investigation, for which they provide no information.

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 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX statement did not notify me that I would be charged the account maintenance fee starting this month. Then I was charged an account maintenance fee on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
This complaint is from the CashApp app. I sent money from my account $ XXXX to the wrong recipient on Friday, XX/XX/XXXX in the amount of XXXX. Immediately, I requested a refund and a day later got a message from CashApp support that the refund was declined. Subsequent, I was told to request the money directly from the recipient XXXX XXXX but the system is not allowing me to do so. I have asked numerous times for assistance from Cashapp support to request these funds on my behalf to be returned. I have not been successful after 8 back and forth emails regarding this issue. There is not a phone number, so unable to speak to anyone. 

I am a cybersecurity professional and there should be other controls put in place to protect against money sent in error. I have been using CashApp for years and this is the first time this has occurred. I was told I had so many hours to request the refund, but there is only an email contact. I sent email immediately after the correct recipient advised that they did not receive it. 

I am disappointed with the lack of assistance or remedy provided in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am including a description of the problem and my desire is for fairness. I know that this agency can not enter a judgement but I do want to help myself and others to stop this garbage from hurting people and their families.

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 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
To Whom It May Concern : In XX/XX/XXXX, {$600.00} was taken out of my checking account via Cash app by an unknown person ( fraud ) and made it look like I sent the {$600.00}. I filed a complaint with both Cash app and XXXX  XXXX XXXX. 

I was told via email by Cash app ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because the unknown person ( fraud ) had deposited the money into their account. 

I was told by XXXX  XXXX XXXX ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because Cash app provided information stating I use Cash app frequently. 

I know for a fact I did not send {$600.00} to the unknown person ( fraud ) and I do not know the unknown person ( fraud ). 

I want my stolen {$600.00} back in my account because it was fraud, someone did hack into my Cash app account, and I did not send the unknown person {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2018 my bill for account CAPITAL ONE BANK USA did not go through when it was on the auto-bill in the bank XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent. 
15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.

FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


SOUTHWEST CREDIT, ****XXXX XXXX***, XXXX XXXX XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX XXXX XXXX XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.

15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.

FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


XXXX XXXX, ****XXXX XXXX***, XXXX XXXX XXXX AND PHOENIX FINANCIAL SERVICE**** are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.

Company response to consumer: Closed with explanation