vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am reporting Wells Fargo for not helping me or taking proper actions with my request on either putting me on a high protection program like they offered to do. Also removing security on my account. Like verbal passwords and also allowing fraudulent activity continue. And not listening to me or hearing me out. I was receiving alerts from XXXX  on Changes being made on my business checking. I have been banking with them since XXXX. I opened a business checking in XXXX when i first started my cleaning business. There was changes on the name. The username and password were compromised. I requested that there was suspicious online banking. Also had reported my debit card stolen. They didnt help. Also recent suspicious activity and unauthorized transactions were continuing to happen. I personally visited the branch to put a freeze on the account and suspend online banking. Also to close my savings. Again i had went because i spoke to IRS n my stimulus checks was deposited into that account after i said to freeze it. I have not gotten a new bank account until i resolve my identity theft situation. They gave me hard time to withdrawal my funds. They suspect im the fraud after i went in person to let them know. I asked why did my bank account name changed from business to personal without my permission or my knowledge. They made numerous changes. I feel like they did not believe me. The fraudulent activity was going on by phone and online. When i called about my account. They said i needed a authorization code. That i didnt receive or had any knowledge of. Also had mentioned why there was changes being made. They didnt say anything. I said is my phone number the same? The person on the phone hung up on me. It was the second time i had called. So when i went in person. The banker explained that my savings is a personal check. He sat there saying that their wasnt any changes with my phone number as well. So i suspect the banker wasnt being honest. I requested to listen to the calls. N he acted like he was helping me. Anyhow. I got some documents by mail from Wells Fargo. The fraudulent activity has been going on since XX/XX/XXXX to now 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 non-monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
The paypal close my account..they say if I submit some of my requirement it will be 1 day process but it's already 2days .. 

XX/XX/2021 the transactions XXXX is the amount I already submit the same day But it's 2 days now they have no response XXXX my paypal account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Synovus Bank
State: PA

Complaint narrative:
On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
This started in XXXX on the XXXX when we switched our mortgage over to a biweekly payment. The NewRez system does not allow principal only payments via their website or automated telephone service so I am forced to speak with a person each time. Problem is they have limited hours and are now closed on weekends ( due to Covid ). So, on XX/XX/XXXX I called them to make a principal only payment of {$3000.00}. The first person I spoke with hung up on me. So did the second. The third attempted to make the payment but stated she was unable to due to a biweekly payment already being processed so I would have to wait until XXXX. I do not find this acceptable since I feel I have the right to make a payment whenever I choose, per the contract terms. I gave in and they were supposed to apply my {$3000.00} principal payment that Monday. Monday came and went, as did the entire week. I looked at my account with NewRez on XX/XX/XXXX and saw that they tried to make the principal only payment three times but were unable so they charged me a {$15.00} NSF. I called this morning, XX/XX/XXXX. Again, two people hung up on me. I then asked for a supervisor who also hung up on me and made no attempt to call me back. I finally reached a supervisor after hours spent on the phone who was willing to help. She listened to the phone recordings and determined the customer service agent was in error so she reversed my NSF fee. She also stated she would process my now {$3100.00} principal payment ( to differentiate from the other {$3000.00} payment so that I can keep track of their errors XXXX. Except this time, instead of applying it all to principal she applied it as a regular payment ( escrow, interest, and principal ). Honestly, I have had it with this company. To top this all off, NewRez does NOT apply a biweekly payment to the mortgage until they receive two payments for the month. This means I am not collecting interest on my money they are holding onto for two weeks each time, but am still accruing interest on the mortgage which otherwise would be reduced the principal component of the biweekly payment. I believe this is illegal. Their customer service at best is incompetent, at worst, extremely RUDE. Never helpful since I have to waste hours yet AGAIN on this coming Monday explaining how they screwed up again. No person should have to endure such idiocy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Someone stole my identity to open a cell phone account with XXXX XXXX starting in year 2020 ( a/c # XXXX ) with an outstanding amount of {$500.00} Collection Company I.C. System, Inc ( XXXX ) XXXX Reference # XXXX ContactedI.C. System, Inc collection company to clear the collection.

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 2021-03-20 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: VA

Complaint narrative:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I had a 90 day same as cash lease purchase with Acima on a XXXX XXXX sectional. I paid this off in full within the 90 days period from delievery date in XXXX. This was paid off in full on XXXX, XXXX, 2020. I received a paid in full receipt on XX/XX/2020. They have reported this to the credit burea as past due, which is not true. I have proof of my lease # XXXX being paid off in full within the alloted 90 day period. I've submitted this to equifax to remove this invalidness off my credit report, unsuccessfully. I am now contacting you all for assistance to get this removed and help me out as I don't know where else to turn. 

Thank you for your assistance in this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express Gold card 's {$120.00} dining credit benefit is misleading. 

I opened a Gold card in XX/XX/2021. One of the key advertised perks was a {$10.00} per month dining credit at certain merchants. I made purchases at qualifying merchants in XXXX and XXXX, but didn't receive any credits. 

Upon contacting customer service, I was told the monthly dining credits required manual enrollment. I feel misled by the marketing as I believe such a key benefit is assumed to be enabled by default, and I wasn't warned about the missing enrollment after making otherwise qualifying purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called Gm Financial to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the third party company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that GM Financial had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report. 
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I get my credit report and it showed XXXX had reported me as late payment. I terminated my services with them on XX/XX/2020. I never received notices of a balanced owed. When I cancelled the csr said my payment and cycle ended in XX/XX/2020. Never received a phone call, text nor an email notification from XXXX nor the collection agency ( credit collection services ). I terminated the services because I moved. They are charging me {$53.00} for the term from XXXX. 
I contacted them and they told me they had refer my file to a collection agency. 
I never received such bill until I requested from the collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Net CreditXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Was disputed on XX/XX/21 as a result of identity theft. I did not receive this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
My University of XXXX XXXX loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use University accounting services as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my vehicle XXXX XXXX XXXX was repossessed, at about XXXX, I immediately called XXXX XXXX to determine what monies I would need to pay to redeem my ve.hicle, the representative advised me to pay XXXX, which I did, the total amount came out to be XXXX including the service charge of the XXXX XXXX company, I was not fully advised of the details of what will happen once I redeemed my vehicle, in which I paid all fees and received my vehicle out of repo in less than 24hrs. I was in constant contact with the lender regarding my financial situation due to covid, my husband and I were unemployed during XXXX, and the business we had open was just getting off the ground as a restaurant caught in the pandemic issues. In XXXX my the vehicle was totaled, this week we were trying to get another vehicle is when I discovered that XXXX XXXX had added to the credit report in a matter of days a repo on my credit report which prevented me from helping my daughter to purchase a vehicle, I called on the same day to speak with a manager in the finance department and was told that's what they do once a vehicle has been repossessed and then redeemed, I advised that this is an unfair practice, this is the first they have added this type of derogatory information to my credit report, and it was nothing they will be doing about removing this from my credit report. 
I do not believe this is fair to add this to my credit report, being that I redeemed my vehicle in less than 24 hours, so from XX/XX/XXXX the date of repo, date redeemed XXXX, repo information added by XX/XX/XXXX, I need help to have this removed, we have as a family dealth with a lot including losing my mother in XX/XX/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 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My University of XXXX XXXX loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX  as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My University of XXXX XXXX  loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX  as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.

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 2021-03-20 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was an authorized user on my exs Chase Freedom credit card. With his permission I set up my cell phone to be paid automatically with this card that was in my name with my name printed on it. After we broke up he claimed the charges were fraudulent and Chase believed him and took the payments back from my cell phone company ( XXXX ) and now they think I was using fraud to pay them. I used a card with my name on it that I was given as I was an authorized user on that account. There was no fraudulent charges. Chase will not rectify the situation since he is the primary card holder. On the chase website it states you can not report fraudulent charges made by an authorized user. Which I was when charges accrued. Yet they did allow this and refuse to fix it. How can you make unauthorized charges on a card in your name to pay a bill in your name? Cant happen. Authorized users should have rights too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
I went to nissian dealership to do a trade in for a truck for my husband. We have bought 5 vehicles from this company. My issue is not with the people working at the dealership on XXXX  XXXX in XXXX Tennessee. Mr XXXX XXXX  and XXXX did a fine job. My complaint is your XXXX customer service department. They were very unprofessional and did not care about the needs of the customer. When I did call your XXXX number to find out why was I not on the pre approve contract when u sold us the vehicle you specified and said pay for 12 months and bring the vehicle back and purchase another. We paid 22 months and you still did not honor your word. That is false advertising and misleading You do not want to even to correct problem. You left a bad taste in my mouth All you want is money. You lie to people and you give false information. You do not even live up to your name. All lies. I am writing to the president of united states and to let him know how shady your company and you do not handle the complaints you already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
This company WILLIAMS and FUDGE has reported me to the credit bureaus falsely without first contacting me which is against the Fair Credit Reporting Act. 

The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. XX/XX/XXXX the President signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. 

This should have also prevented this company from sending and false information to the credit bureau without first contacting me giving me a chance to dispute this information before providing this information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: IN

Complaint narrative:
Hunter and Warfield keeps calling and harassing me about an old debt to my previous landlord. I explained to them several times that I couldnt previously pay the debt because I was out of work due to COVID. I also stated that since Im back working that I wanted to pay what I owed. The landlord is trying to charge extra money for old carpet and I was living there for eight years. The agent started being very disrespectful and had previously hung up on me when I wouldnt agree to pay the amount that they requested. I talked about the interaction with a different person but the rude one keeps calling and being very disrespectful. I have told him several times to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: NY

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation