vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Tuesday XX/XX/2021, I received a text message claiming to be from Wells Fargo saying that there was a fraudulent transaction on my account at a XXXX. It said to text back yes or no if I approve this transaction, so I texted back no. Then I received a phone call from a number that is a wells fargo branch in XXXX XXXX, fl, and they knew my name, username and other personal information and asked me about this fraud transaction. In the past I have received fraud alerts from Wells Fargo. They also said there was a pending wire transfer, and I said no it was not me. They proceeded to gain access to my online account by sending me codes to my phone and having me read them to them to verify my identity to reset my password. These codes were sent by Wells Fargo. After that, they added a fraudulent email address to my account and somehow proceeded to make this {$5600.00} wire transfer without my knowledge or prior notification. That afternoon I noticed the funds were gone from my account, and then proceeded to call the wells fargo fraud claim line to open a claim and to explain what happened. They told me to go into the local branch as soon as possible to prove my identity. It was after XXXX on Tuesday so it was closed but I went first thing on Wednesday XX/XX/2021 and I talked to the banker about what happened. She ensured me this fraudulent transaction would be taken care of and I would get my money back. The banker and I called the fraud claim to ensure this was escalated and to reset my username and passwords. I left feeling better about the situation. 
I proceeded to call the fraud claims line of wells fargo and I finally got an update on Thursday XX/XX/2021. They said my claim was denied because the scammer had they information they needed to approve this wire transfer and since it was wired the money is gone. They recommended I go to the authorities and theres nothing else they can do.

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 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Company data and account with loan to paid to lease account to the vehcile account or data. 
Reinstate.

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 2021-10-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
On XX/XX/2021, We wired money from XXXX  XXXX XXXX to Wells Fargo to XXXX XXXX XXXX XXXX in the amount of {$9800.00}. 
She was supposed to build a small container home for us that was never done. Now she is avoiding contact. I called Wells Fargo to flag her account so other people would not be scammed and they said they could not do 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 2021-10-21 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: ECMC GROUP, INC.
State: NY

Complaint narrative:
PLEASE REMOVE 1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft U S DEPT OF ED/XXXX Account Number : XXXX This is not mine.

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 2021-10-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
When we began our mortgage with New Rez, they asked for proof of insurance. We sent that to them. Then in XXXX of 2021 or thereabouts, they sent us a letter saying that we haven't gotten them proof of insurance and that if we don't get that to them over the next however many weeks, they are going to start charging us for their insurance each month. We immediately contacted them and resent our proof of insurance. But they kept charging us extra on our mortgage. 

Once i realized that this was going to be an issue, i started to record dates and times and the individuals that i spoke with at New Rez when i called them about this matter. 

Everytime i called them, they would confirm that we did have insurance and that they were going to get that removed from our account and immediately reimburse us for the additional insurance charges. They never did : XX/XX/2021 at XXXX- XXXX XXXX XX/XX/2021 at XXXX- XXXX XXXX XXXX XXXX XXXX hung up on me XXXX XXXX XXXX XX/XX/2021 and actually gave me her number to follow up with her if the problem still isn't fixed- XXXX. It is not a working number. 

Please let me know what other information that you need from me- thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
On XX/XX/21 I received an alert from XXXX that there was a collection account added to my credit report. Paramount Receovery Systems is the collection agency. The company that I supposedly owe the {$1700.00} to is XXXX XXXX XXXX XXXX XXXX County which I never heard of until this morning. I XXXX XXXX XXXX XXXX and they are permanently closed. So I looked at the reviews on the XXXX XXXX XXXX and everyone of the reviews was a complaint about fraudulent collections and identy theft. 

I proceeded to call Paramount the collection agency to inform them this is a fraudulent collection claim against me. The first rep I spoke with was understanding. After being put on hold another female rep come on the phone. I explained I have no idea what this is. I have never been to an urgent care med center and I have the same family doctor for over 20 years. That female rep had the audacity to ask if I can prove account is fraudulent. I explained to her all the complaints of fraudulent collections from XXXX XXXX XXXX and her response was we don't verify that information. What??? After that back and forth she finally said we will enter a dispute. Bottom line this is a fraudulent collectiosn claim which is now on my credit report. I have already filed a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below remain on my credit report in violation? 
of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2021-10-21 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: NY

Complaint narrative:
PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below remain on my credit report in violation? 
of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX  XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
This is a formal complaint against Pennymac Loan Services located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Pennymac Loan Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I do not know if this is the appropriate channel to report a loan offer I received in the mail. 
I am currently struggling financially due to being XXXX and high medical bills in collections. This has contributed to my less-than-perfect credit record. 
Today I received an installment loan solicitation from " Big Picture Loans ''. It says I am pre-approved. 
I researched this company and found that the yearly interest rate is 780 %. It does not state that on the letter. 
There are reviews online that state that dealing with this company is a nightmare. If one wants to pay off their balance early it is very difficult. Some reviews are 5-stars but they look fabricated to me. 
I think this is a predatory loan because they locate individuals who are down on their luck then offer this loan as a solution. No doubt there are many people who are desperate for money at this time. This company seems to be taking advantage of this situation. 
They will stretch the repayment period out for up to 44 months in order to maximize their profit. Too bad for the little guy. They probably really don't care. 
Of course, I did not apply for a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: PA

Complaint narrative:
I purchased the ticket on XXXX, itinerary XXXX, case # XXXX # XXXX. XXXX eventually told me they cant help and merchant has to be dealt with directly. 

I then contacted the merchant XXXX on XX/XX/21 ( Feedback ID XXXX ), I have not heard from them yet. 
Flight was with XXXX XXXX but I was told XXXX is the company that owns them. 

Confirmation number was XXXX Passenger was XXXX XXXX Ticket was purchased online on XXXX and was paid for with my Chase freedom Scheduled dates of travel were XX/XX/21 from XXXX to XXXX Return trip was XX/XX/21 from XXXX to XXXX We did not cancel the ticket. 
Other tickets were also purchased but had different dates to fly. 
We did not change or want to change the ticket for the passenger above. 

We were interrupted in XXXX and were told that XXXX XXXX cant continue with us. She had a valid US visa, Covid vaccine paperwork and a negative covid test. We were told it was due to new covid regulations she cant continue to us with us. We even emailed the embassy in XXXX to make sure she can travel and we were informed that XXXX  citizens can travel to US with a valid US visa. XXXX XXXX staff was shown ALL of these documents at the gate and they photographed and sent them to their superiors. Decision was still made to INVOLUNTARILY remove her from the flight and not allow her to board. As a result, my wife and daughter had to stay with her and find her a flight home that day. This caused them to miss their flight to US and spend that night sleeping at the airport terminal. Nobody told us at any point that additional authorization would be needed on top of a valid visa and all the required covid conditions which were a vaccine and a negative covid test. 

Absolutely terrible treatment by all around. XXXX  for doing this and XXXX for avoiding to help even though ticket was bought through them. I will attach email response we had from the embassy in XXXX several days before the trip. 

Nothing was disclosed to me about the travel. When the ticket was bought for this passenger, he citizenship and passport number were input and where from and where to she is traveling, yet nobody told us anything. They checked us in XXXX and then halfway around the world decided she must come back. This passenger is XXXX XXXX and has XXXX XXXX as well so leaving her to fend for herself to find a way back home was not an option. 

Two separate disputes filed with chase were both resolved in the favor of the airline. The airline rebuttal was that the visa was not valid due to covid regulations and based on that they ruled against us. Visa was valid and was issued prior to covid pandemic. Pictures were provided to the Chase credit dispute team. This traveler also had a covid vaccine and negative covid test. 

CLAIM ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: GA

Complaint narrative:
I give full authorization to move forward with this complaint. I, XXXX XXXX, am a victim of identity theft. Attached below is a an attachment of my FTC Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have the XXXXXXXX XXXX XXXX XXXX and the Hilton Honor XXXX  card with AMEX. 
On the XXXX XXXX XXXX XXXX, I made a purchase at a XXXX XXXX  using this card and according to AMEX advised this card earn XXXX points for purchases at a XXXX XXXX and XXXX is a XXXX brand but I did not earn the XXXX points like it advertised also did not earn the XXXX statement credit for this purchase. Another purchase later than the XXXX one already showed up XXXX points and the statement credit. I spoke to an AMEX agent and the agent only said I should wait 8-12 weeks for the statement credit but did not answer why a later one already showed up the statement credit and all the agent can do was open an inquiry but because it was labeled as inquiry the AMEX agent said there is no time frame for inquiry case and it could take as long as possible to solve. 
On the XXXX XXXX XXXX card, I have a purchase I made at a XXXX hotel but it did not earn the XXXX points like AMEX advertised for purchase made at a XXXX XXXX. A case was opened earlier and I was told to wait XXXX weeks for an answer so I came back 7 weeks after and an agent told me that I was misinformed there is no timeframe for this case and it could also take as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
My mortgage is serviced by Freedom Mortgage, and has been for several years. They require both property taxes and homeowner 's insurance to be escrowed. I have dutifully paid in full, and on time, 100 % of the time. 

Freedom Mortgage has failed to pay the homeowners insurance bill. It was billed to them on XXXX XX/XX/2021, it has not been paid. I called them asking them to pay it in early XXXX, it has still not been paid. I have now received notice that the insurance has lapsed.

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 2021-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
Caine & Weiner has been contacting me for over six months now. They have been calling, texting, and emailing me constantly regarding a alleged debt they have not proven is mine to pay. I've told them they do not have my permission to call or text me, only to email. I also told them I will not be responding to anything at all until they prove to me that this debt is mine to pay. They then sent me a 59 page document that didn't say anywhere that this debt is mine. They then began again with the calls, texts, and emails. 

I have offered them money to put this to bed but not enough for them so they continued to harass me. I recently spoke with their representative XXXX XXXX who spoke to me like a was XXXX XXXX not worthy of her time. I asked her not to record our phone call and she laughed. I think she still recorded it. On the call I asked for more information about my alleged debt and what their next steps will be. I genuinely have been trying to resolve this working with them but they insist on pressuring and scaring me into succumbing to what they want. I then sent an email saying Caine & Weiner does not have my permission to call text or email me. Meaning if they'd like to continue to pursue me they'll have to do it by mail. XXXX responded to my email ignoring my request and asking for money. 

They still have not proven this debt is mine to pay. Their practices are unethical and disrespectful. The two agents I have spoken with directly are XXXX XXXX and XXXX XXXX. Both have been disrespectful, withholding and nonconstructive in our dialogue. They prefer to use vague intimidation language such as " We will be forced to pursue for the balance in full '' rather than work with me to see the issue resolved. 

I have attached my most recent correspondence with XXXX XXXX where she directly ignores my request and asks me again for money, having not proven anything about my responsibility for this debt. 

The alleged original debt comes from a company called XXXX XXXX, I worked for them for a year and a half as a 100 % commissioned sales agent. After I XXXX this job one of my clients terminated their policy with the company. In this alleged situation XXXX XXXX feels entitled to charge me for their lost premiums despite that I was not with the company to maintain the client. This is an alleged debt that rightfully should have fallen onto XXXX XXXX. I have tried to resolve this issue with XXXX XXXX directly but no one has returned my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2021, I got an alert from XXXX credit report from a company called Capio Partners LLC, as a major derogatory that I dont know of. There is also no additional information to contact this so called company to find out what is all this about, so it looks like identity theft, looking forward on getting this issue resolved as my credit dropped immensely. Thank you.

Company response to consumer: Closed with non-monetary relief