vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay Wyndham Visa Card - company clearly states on their statements the total to be paid monthly to avoid interest charges, you pay it, then they still charge interest - I have had to call repeatedly to get these erroneous interest charges reversed, always pointing out to them their own documentation outlining what is to be paid to avoid interest, which I pay monthly- this is time consuming & I am sure most people don't bother for that reason, but it is the principle of this practice. I have spent numerous hours on the phone with them as this happens every couple of months and in spite of me asking them to resolve the issue ( the charging in the first place ), it continues to go unresolved ( although they do always reverse the interest once I call and wait on hold, etc. ). 

Interest erroneously charged on XX/XX/23, XX/XX/23 most recently this year, in spite of their page XXXX of prior month statement stating amount to pay to avoid interest, which I paid in both cases. XXXX, XXXX, XXXX & XXXX statements attached for your review where you can see this.

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 2023-07-12 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: MD

Complaint narrative:
I found some inaccurate accounts on my credit report.

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 2023-07-13 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: CA

Complaint narrative:
XXXX XX/XX/23 : Reached out to XXXX from this website : XXXX XXXX XXXX XXXX To try to change my reservation asap. Company also calls themselves " XXXX XXXX  ''. They claim on their website that " You can easily talk to someone at XXXX by simply dialing the XXXX XXXX phone number XXXX ( toll-free ) ''. But that is not XXXX airlines actual phone number. Their information on the website is misleading. 

I paid {$690.00} through a link they sent me via email. 

XX/XX/23 : XXXX answered and told me that the reservation had been confirmed and will take up to 24 hours, but it still didnt come even after 24 hours. 

XX/XX/23 : XXXX XXXX, Tickets has been changed and issued please check on the XXXX XXXX as well as on the website and we have shared the details via Text message as well. 

XX/XX/23 @ XXXX XXXX  : Never got the new reservation via text, app, or website. So I decided to wait a little bit more. 

XX/XX/23 @ XXXX XXXX  : XXXX XXXX rep called asking me if I had my uncle call them for a change of ticket. I told them no and the agent told me that she got a weird phone call from an XXXX voiced male stating that he was my uncle and wanted to change my ticket. I am XXXX and do not have an XXXX uncle. The XXXX airline agent thought of this action to be suspicious so she gave me a call to confirm. 
XXXX XXXX sent me the itinerary file where it shows that the date did not changed to XX/XX/XXXX. It was still same as XX/XX/XXXX. 
She told me that I needed to pay {$290.00} to actually change it because the flight was not changed and told me to report the charge as a fraud to my bank because I technically did not receive the service as the itinerary did not change. 
If XXXX actually changed it, then the date shouldve been XX/XX/XXXX. Not XX/XX/XXXX. 

XX/XX/23 @ XXXX XXXX  : Once I decided and paid {$290.00} with the Chase Unlimited Freedom Card, the XXXX XXXX rep then sent me the actual, new, changed itinerary in real time. 

I can not pay for something I never got the service for. If XXXX or the third party actually changed my departure date and offered the services as they said they did, why would I pay additional {$290.00} to XXXX XXXX to get it changed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Check Resolution Inc.
State: NV

Complaint narrative:
I have been receiving calls XXXX x a day for a year regarding a debt owned by a company ( LLC ) that I used to work for that went out of business years ago. Also, the original lender has gone out of business. National Check Resolution XXXX has been harassing my family and friends as to this debt. I have reached out to tell them to stop and they continue to harass. They also claim that they have a lien against me, offer no proof and threatened to sue me. I need them to stop! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM

Complaint narrative:
Please provide proof of an inquiry to my credit as well as proof of the rejected application, as the application was incomplete. If this can not be provided, I will be disputing this inaccuracy with the credit bureaus and demanding this to be removed from my report. Additionally, XXXX companies are attempting to collect on this inaccurate debt which is illegal. 

I viewed an apartment and started ( but did not finish ) the application process in XX/XX/2022 with XXXX XXXX in XXXX. My credit was frozen at the time, so when I got a notification that the application was submitted I cancelled my debit card to reverse the funds for the unit that I had not been ready to apply to. I cancelled my application, yet a collection account is showing for {$130.00} for an apartment I never applied to nor lived in. The application was cancelled, not denied. It was not even processed. 

Once again : Please provide proof of an inquiry to my credit as well as proof of the rejected application, as the application was incomplete. If this can not be provided, I will be disputing this inaccuracy with the credit bureaus and demanding this to be removed from my report. Additionally, XXXX companies are attempting to collect on this inaccurate debt which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Debt was incurred on XX/XX/XXXX. I received a bill in the winter of XXXX. I still do not know exactly what this was for, however I only received the bill after there was a mix up on the dentist office on XX/XX/XXXX. I did pay the bill on XX/XX/XXXX for {$160.00}. On XX/XX/XXXX, I received a bill from XXXX XXXX XXXX asking for {$40.00} more in payment. I called the Dentist office, XXXX XXXX XXXX and spoke to XXXX. She informed my bill was paid in full on XX/XX/XXXX. They were not helpful ; telling me I had to call the collection agency and settle. The office is the reason I no longer go to this dentist. I then called XXXX for XXXX XXXX at ext XXXX, however I spoke with a lady, sorry I did not catch her name. She informed me that even if I paid the bill, I still owed them {$40.00} for a collection fee. I paid the bill two plus month before the date of the Collection letter. She did tell me she would mark the file disputed. I said thank you and to make sure it does not show on my credit report. The lady rudely said 'goodbye ' and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo Autograph VISA credit card. On or about XXXX XX/XX/XXXX, I made purchase for XXXX XXXX XXXX XXXX -in XXXX single transaction. XXXX made around XXXX changes in the flight due to which I can not go and cancelled my XXXX XXXX XXXX weeks prior to departure though XXXX other family members went via united. 
XXXX assured me full refund as those XXXX changes were extreme and due to my job- I simply can not take it. But united rather than refunding my full ticket value to my credit card, XXXX made the refund in the form of XXXX XXXX XXXX- which i never wanted. 
I tried to create dispute with Wells Fargo but online system didn't helped me. Later I called Wells Fargo on XXXX XX/XX/XXXX- talked to XXXX agent. XXXX agent made an excuse that the purchase is more than 6 months so now can not be disputed. XXXX agent made an excuse that the purchase is more than 4 months so now can not be disputed

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 2023-07-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I found an inaccurate account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent a transaction for XXXX by mistake from my Bank of America account through XXXX XXXX to the wrong person through XXXX with phone number XXXX who appears with the name XXXX XXXX, I tried to communicate with the person and I did not receive a response, therefore, I contacted the bank mentioned above and they informed me that I had to wait three days for the transaction to be completed, after three days I contacted the bank again, and they informed me that they would initiate a investigation and today XX/XX/2023 they sent me a rather unfavorable response via email informing me that they would not refund my money immediately. I contacted the bank and he suggested that I had to inform the police, which It seems absurd to me that a financial institution makes me this type of suggestion when they are clearly noticing the error of the transfer and the only thing they do is suggest to the person to whom the money does not belong and was sent by mistake to return the money and it is rejecting the bank 's request and keeping the money, thus making the bank complicit with a thief since it is receiving and not returning money that does not belong to it and allowing the vulnerability of clients since this type of situation can happen to anyone and in much larger amounts of money.

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 2023-07-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
I requested a student loan refund in XXXX of XXXX. After some initial confusion I was told that I could not cancel the request and that the department of treasury would mail me checks. 
I did in fact get those checks in the mail, except {$4200.00}. After months of calls to EdFinancial I learn that they never sent the refund request for {$4200.00} ( which is the total number of payments I made to EdFinancial in DXX/XX/XXXX ). 

/*Payments Made to EdFinancial in XXXX XXXX and they have yet to submit to the department of treasury so XXXX can get a refund : {$470.00}, {$680.00}, {$1300.00}, {$480.00}, $ XXXX So according to EdFinancial I owe {$4200.00} but they never requested the refund to the government on my behalf. 
As of XX/XX/XXXX, the EdFinancial finance department still hasn't sent the request to the government, and even if they did, I would not get the checks mailed to me before I would have to start paying interest on them. 

So I owe {$4200.00} that was never sent to me, because my student loan servicer never sent in the request to have that money refunded. But that servicer says I do in fact owe that money and they will be charging me interest starting XX/XX/XXXX. 

I've requested that they just don't send the request to the department of treasury, since by the time they do, it will have been almost a year after my initial request and i will have to pay interest. I have asked that they just cancel that part of the request and give me a credit for the {$4200.00}. But they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I filed a complaint in XX/XX/XXXX Complaint No. XXXX regarding Wells Fargo not allowing me to do a loan modification after they allowed me to do the loan forbearance/deferment during COVID. This is a follow up to that complaint. 

Original Complaint : My ex husband, XXXX and I obtained a mortgage loan with Wells Fargo in XX/XX/XXXX. The mortgage was in XXXX XXXX name alone however I was listed on the deed. In XXXX we did a loan modification due to a financial hardship and it the listed XXXX and I both as borrowers. In XX/XX/XXXX XXXX and I separated and he moved out of the home. I continued making the payments on time. XXXX XXXX, XXXX I log into my Wells Fargo account to make my mortgage payment and something about forbearance immediately popped up. There was no wording about having to do a loan modification if I opted into the program. The information read like they would put payments at the end of the loan. I decided to do it with this understanding. I thought could payoff some other debts during that forbearance period. XX/XX/XXXX the forbearance ended and I had to start making the payments again. Then Wells Fargo called us saying we had to do a loan modification for the forbearance time period even ifwe continued to make the payment after the forbearance. I would have never opted into that program if it had said anything about a loan modification. Then we were told we were not eligible for the loan modification because XXXX no longer lived in the home. We were served with Foreclosure paperwork on Saturday XX/XX/XXXX. They will not allow me to do a loan modification by myself because they say I am not a borrower however the XXXX modification clearly list XXXX and I both as borrowers and we both signed as well and it is filed with the circuit clerks office as such on XX/XX/XXXX. The foreclosure paperwork includes interest, late fees and attorney fees as if Inever did the forbearance ( cares act stated they are not allowed to charge these fees during that time of forbearance ) Please advise. Thank you! XXXX XXXX XXXX. 

After this complaint they said we had to submit paperwork about filing our Quit Claim deed and I would be listed as a successor of the loan and then I could do the loan modification in two steps. The first step ( 1st modification ) being me listed as the successor of the loan then doing the financial loan modification. XXXX and I submitted all required paperwork and now they are denying the loan modification saying I have no income! Please help!

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have had a cobrand American Express credit card for XXXX years ; it is my oldest/longest-running credit card and essential to the health of my credit score. When I opened this card, it was the Starwood Preferred Guest ( SPG ) cobrand credit card with an annual fee ( there was also a no-fee version, but I elected for the fee version ). When SPG merged with XXXX, I was issued a revised XXXX XXXX cobrand Amex, also with an annual fee. In the process of rebranding to XXXX XXXX, it appears they eliminated the no-fee cobrand card option. I no longer want to pay an annual fee, but Amex will not let me transfer my account to any other Amex product and maintain my same account / my same credit history ; the only option they are offering me is to fully close my XXXX XXXX Amex account and reapply for / open a new Amex account in order to get a no fee Amex card. Doing so would eliminate my XXXX years of credit history ( which I want to keep growing ) and adversely affect my credit rating ; it feels as if Amex is holding me hostage if I want to maintain long credit history and a good credit rating. I still want to be an Amex cardholder, I just want to transfer my account number to a new, no fee card outside the XXXX XXXX cobrand portfolio without needing to fully close my account and apply for a brand new card from scratch ( since Amex eliminated the no fee SPG cobrand card that used to exist, and that I had the ability to switch to when I first opened the card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
To whom this may concern this is in regards to several unauthorized checking account transactions made via debit card. Bank of America claimed my first two claims were considered invalid as they failed to add the correct amounts and transactions I provided. Also, due to having previous business done with this merchant they were denied. Another claim was initiated XX/XX/2023. This time for the claims they did XXXX XXXX separate claims, doing each transaction that was not authorized into separate claim. I called first thing on Sunday morning XX/XX/2023. These series of transactions happened on XX/XX/2023. Transactions cleared on XX/XX/2023. I first attempted to contact XXXX XXXX the merchant, the phone number provided under these transactions was out of service. I reached out via email. They then emailed me back calling me " XXXX '' in several emails. I did not feel as if my account was secure or safe. The transactions that were unauthorized is a total of {$19000.00}. Bank of America is currently undergoing investigation of the charges and Ive only received {$40.00}. I wanted to make the CFPB aware of this ongoing issue and any help that can be provided would be greatly appreciated. Images attached are faxed photos. Such amount is creating financial hardship. Thank you for your time.

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