vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Per the request of XXXX ( XXXX ) on XX/XX/XXXX. 

XX/XX/XXXX Purchased two TV totaling {$750.00} ( page labeled 5 in the upper right corner ) is the receipt. XXXX XXXX order # XXXX. XXXX XXXX emailed see page ( s ) 1-4 ( page labeled in the upper right corner ), stating the order was delayed. 
XX/XX/XXXX I received a notification at XXXX that the product had been delivered. ( page labeled 5 in the upper right corner ) Upon arrival to XXXX XXXX XXXX XXXX XXXX my dwelling ). There was no product delivered. I immediately contact XXXX XXXX at XXXX. I informed the agent that I had not received any product and need a proof of signature from the delivery company. I was put on a 23 min hold. When the agent returned, he stated, the product had not been delivered. He further stated another shipment would be sent out. 
XX/XX/XXXX I received an email stating the order was delayed. See page ( s ) 7-8. ( page labeled 5 in the upper right corner ) XX/XX/XXXX My bank checking account was debited {$750.00}. ( which I found very interesting, since I had no product and no delivery date in sight ) XX/XX/XXXX I called XXXX XXXX at XXXX once again to advise, I had not gotten the product, nor a delivery date as to when the product would be delivered and that my bank account had been debited for {$750.00}. I requested the order be cancelled. I received an email see page ( s ) 9-10. ( page labeled 5 in the upper right corner ). 
XX/XX/XXXX I called XXXX XXXX yet again at XXXX to inquire about the {$750.00} refund. The female agent, stated to me, I would need to wait one billing cycle in order for the credit to show. I explained I used my debit card no credit card. The agent told me it was the same regardless what type of card I used. I was not satisfied with the response, so I started my own investigation in an effort to recover my monies. I read in the disclosure, see page ( s ) 10 ( ( page labeled 5 in the upper right corner ), that it could take my bank up to 10 days to make adjustments to my account. Based on that information, I waited the 10days and then contact my bank. 
XX/XX/XXXX A provisional credit of {$750.00} was issued to my account. Because I had followed instructions and did beyond my due diligence. 
XX/XX/XXXX I called Capital 1 bank to find out why my account showed a negative balance. XXXX XXXX XXXX ) stated the claim was denied. OVER 90 DAYS????? 
XX/XX/XXXX Submitted this letter along with 12 attachments for demand of credit of {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I refinanced my mortgage with Cardinal, during which, I was expecting lower escrow payments due to a lapse in the previous year of my Homestead Exemption. Once I received my new tax bill, the amount was much lower than the property taxes Cardinal were using. I contacted them to request an escrow analysis be done and I was told to send an email to a specific email with my loan number and new tax bill. I sent the requested information and I received an automatic response detailing I would hear from a representative soon. I never heard from one. In fact, after 3 months, 10 phone calls later, I was told my escrow wouldn't change because the differential amount was less then ten-dollars. I explained how could there not be a greater than ten-dollar change when my property taxes were lowered by almost fifty-percent? I was then told they were still using my old tax bill, and I would have to send in a new tax bill to the email I had already done so previously. I once again, obliged and re-submitted the necessary material, and once again nothing was ever done. One month later I get notified that my loan was sold and no longer serviced by Cardinal. Four months with Cardinal and it was an absolute nightmare, and not once did I ever receive correspondence in regards to my issue, nor someone contact me. I am never one to voice my dissatisfaction but I felt I needed to. I contacted Cardinal one last time to speak to a supervisor ( XXXX ) who listened to my lengthy recap, only to be met with a response " I'm sorry but Cardinal no longer services your loan. '' On top of the poor customer care, the company has unethical practices. Normally there would be an automatic survey that prompts at the end of the phone call, and for every time that I called dissatisfied the representative would purposely wait an extended period of time to hang up in hopes that I would disconnect the call first to avoid a bad survey. This happened many times, and even with the supervisor. This tactic was very obvious and I even addressed it with the supervisor after thirty seconds of silence I said " I am going to fill out a survey I hope you know '' she responded right away, " Oh I didn't know ''. As a consumer I had no choice but to voice my concern, it is very scary how a financial company can operate like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The JPMCB CARD with account number XXXX appears to be a charge-off account with a specific balance of {$640.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX and XXXX Bureaus. As per FCRA, the 2 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National credit adjuster {$310.00} PAID Wont remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: MoneyLion Inc.
State: TN

Complaint narrative:
Money lion keeps changing my payment history. At first it was only one 30 day late from XX/XX/2020. I disputed it and it came back as accurate which isnt true. So I contacted their customer service and was told I wasnt late and they would correct it. Well today I was notified of 2 60 day lates from XXXX 2020. At this point I want the account removed from my credit report, because they are updating my credit report with inaccurate information, causing my credit score to decline on a paid loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
The creditor never allowed me the opportunity in writing or otherwise to validate the debt. They moved forward with a lawsuit without allowing me to dispute the validity of the debt.

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 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
According to rep with XXXXXXXX XXXX in bank security dept by the name of XXXX, an amount of {$140.00} was sent to Wells Fargo along with another amount of {$690.00} as part of a fraud claim. I spoke with XXXX on XX/XX/20, was advised of the above, unable to obtain check numbers for payments or reason amount of {$140.00} sent to Wells Fargo and not myself. There is a current CFPB complaint against Wells Fargo regarding the payment amount of {$690.00}, which is being handled by a XXXX in corporate office, unable to reach her by phone, I am providing information regarding additional payment amount of {$140.00} here. It appears both payments sent directly to Wells Fargo and not to a specific account, which was mentioned in prior CFPB complaint and attempted to advise XXXX of today, unable to do so. I've attached XXXX XXXX  letter here showing amount of {$690.00} sent to Wells Fargo, letter dated XXXX. I do not have letter showing amount of {$140.00} sent to Wells Fargo as of yet, however, I believe bank security can do a conference call with Wells Fargo to confirm. Complaints marked as duplicate will be resubmitted to other agencies, request investigated by CFPB

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 2022-02-24 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Hello, most honorable protectors. I have two credit cards that are sadly over their limits with Genesis FS Card Services, which services my Destiny and Indigo accounts. These two are my sole credit cards. In XXXX of XXXX, a strongly suspicious event occurred where one card was pushed over the limit in a matter of hours despite recording the actively remaining available credit that lied on it. Moreover, and of note, is the fact that the other card with a lower available balance carried a purchase that date which was significantly beyond the credit limit remaining on it. 

I do believe in paying off my credit cards in full each and every month and there is no way to sidestep that. However, bouts with unwilling XXXX and a XXXX XXXX  for 23 days at a XXXXXXXX XXXX  kept me from contacting the card company. Additionally, I was severely mistreated at the institution where I remained, and could not receive access to my financial accounts via the web. It is doubtless for me to say that I am through with XX/XX/XXXX, but the XX/XX/XXXX of XX/XX/XXXXwhich arise from XX/XX/XXXX remained for several months. Therefore, I missed several opportunities to make contact with the card company, yet still. Confidence is upon me now, and I will keep it that way. 

To relate that sentiment, I dialed in on XX/XX/XXXX to Genesis FS Card Services. I explained that my account was taken advantage of and that I was in need of new cards. The promise was that I would receive them within three weeks. They never were delivered. 

Another outgoing call was made on XX/XX/XXXX, where I learned that a multi-day system update was taking place whereby no agents would be available. Ultimately, I buzzed their line today, Thursday,XX/XX/XXXX and I reported the flaws in the card delivery and how I needed an inquiry into the causes of my cards being mishandled. Specifically, I requested that they allow me to get my cards to research my XX/XX/XXXX and XX/XX/XXXX statements. Again, the same three weeks notice was given. Also, depending on the amount of penalties, I want any fees and interest removed from my account since XX/XX/XXXX, my date of first contact. Logins are currently unavailable to me, due to the instance of my phone and email being different at this present time. When my cards come in, that's when everything gets better for me, as I need the new accounts to authenticate myself. 

Things need a sharp turn at this moment. A month-long effort to resolve my debts in the 21st century is a true neglect on the part of Genesis FS Card Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had lost my wallet with my bank card and identification in it one day I received an email stating someone has deposited checks in my name. I went to the Bank Branch talk to the manager and filed a police report the bank still hasn't done anything about it. Wells Fargo and someone was trying to transfer money to a XXXX card. Now how ever the bank says I owe them.

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 2022-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX {$310.00} PAID Wont remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I don't owe anything to TRANSWORLD SYSTEM INC with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXXXXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX keeps changing my payment history. At first it was only one 30 day late from XX/XX/ 2020. I disputed it and it came back as accurate which isnt true. So I contacted their customer service and was told I wasnt late and they would correct it. Well today I was notified of 2 60 day lates from XXXX 2020. At this point I want the account removed from my credit report, because they are updating my credit report with inaccurate information, causing my credit score to decline on a paid loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.

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 2022-02-24 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: U.S. BANCORP
State: NJ

Complaint narrative:
I hear about scammers draining accounts of innocent people, and to increase my security I went to XXXX website, created my account and FROZE my Social Security Number. In addition, I looked at the various accounts listed against my name, and recognized all of them as legitimate except this one : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX They claim ( at XXXX website ) that I have an account XXXX with them. 
They also claim that I borrowed {$2400.00} from them in the past ( date not shown ) and that I was repaying this load at $ XXXX. This account is listed as " XXXX XXXX XXXX XXXX. '' NONE of the about information IS TRUE!! 
I never had this account, and I never paid any money to them. 
I am not sure why they would create this FAKE account? 
If I had not logged into XXXX, and I wouldn't even know of this SCAM!! 
Please investigate this case, and let me know the results.

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 2022-02-24 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have been with XXXX XXXX XXXX  for 10+ years with home mortgage and then had a home equity mortgage for 5+ years. Then in XXXX to XXXX of XXXX XXXX XXXX sold all their home loan businesses to other loan companies. While being with XXXX XXXX I always had a direct withdraw from my account and never had an issue. During this transfer of business my home loan transferred w/o out any problems and the home equity did not transfer at all with specialized loan services. Never rec 'd proper notification or any calls from this new company. Then at the end of XXXX of XXXX I rec 'd a call from XXXX XXXX XXXX rep ( before they totally closed this department ) she explained that they had transferred over my account to a new company and they have not rec 'd any payments- explained that I am on auto-draft and the funds have been in the account and should have been withdrawn - to find out that I needed to contact XXXX XXXX XXXX to set up. Contacted them and got all set up and all of the back month payment caught up. The rep at XXXX XXXX XXXX stated that they would handle this and would not affect my credit since this was a transfer account. Then in XXXX the funds came out for that month. Then in XX/XX/XXXX automatic payments stopped again -- called them back and was explained there was additional charges that were applied to the account and automatic withdraws stop automatically if current on the account. Paid the additional charges and reset up my automatic withdraw from my account. Since then, there has not been any additional issues. 
. 
Reviewed my credit report and found that I rec 'd my first late payment on my account. I have never had a late report on my credit since I started 45 years ago. 
. 
Contacted XXXX XXXX XXXX and requested a review of all the issues that I had during the transition of my account from on bank to another. Rep said that they could remove the 1st late payment from my credit which they have to report after 90 days late - but since this was 5 months late, they were unable to help me. 
They refused to supply me with any of the note documents that were from the XXXX XXXX XXXX  or myself during this transition. 
. 
I got on the site for XXXX XXXX XXXX  to see what documents I could find. Found that the " Welcome Letter '' letter was sent out XX/XX/XXXX. I have been charged for 3 months of late payments prior to their welcome letter. 
. 
No certified letters were ever sent to the home address by XXXX XXXX XXXX or XXXX XXXX XXXX. 
. 
I have requested my file to be reviewed and have been denied for the review. 
. 
I have attached the Welcome letter and my credit report to show this has been my only late report and need assistance for a company that can assist me in my problem or an attorney that may assist me in my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank did not notify me of an insurance lapse from last year until XX/XX/XXXX and I put a policy in place immediately But in XXXX of XXXX XXXX XXXXXXXX they put a policy in place for last year and charging me {$9000.00} for an {$800.00} policy They did not notify for 9 months normally they send me a request for proof of insurance if I pay it on the due date I called them to try and resolve this but they would not put me thru to a supervisor saying there's no point

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 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
The AFFIRM INC with account number XXXX  appears to be a charge-off account with a specific balance of {$1100.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX XXXX. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: MI

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : US DEPT ED XXXX XXXX : {$3800.00} XXXX  XXXX Balance : {$430.00} Chapter XXXX bankruptcy discharged Reference # : XXXX Asset Amount : {$0.00} XXXX  XXXX XXXX Inquired oXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on 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 non-monetary relief