vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM ABSOLUTELY FURIOUS WITH WELLS FARGO AND XXXX. I HAVE SUBMITTED SEVERAL COMPLAINTS AND NO RESOLUTION. IN XX/XX/2019 I WENT ON VACATION ALL PAID FOR BY XXXX XXXX TO XXXX XXXX XXXX. AT THE SAME TIME I WAS THERE, MY INFORMATION WAS USED WITH XXXX AND THEY CHARGED MY ACCOUNT FOR NIGHTS AT BEACH PALACE HOTEL. I OPENED A CLAIM WITH WELLS FARGO, I SUBMITTED SUPPORTING DOCUMENTATION INCLUDING THE LETTER I GOT FROM XXXX STATING THAT THEY HAVE NO PAYMENT FROM MY ACCOUNT, AND A RESERVATION WAS NOT CHARGED, BUT WELLS FARGO IS NOT GIVING BACK MY MONEY. MY TRIP WAS FULLY PAID BY XXXX XXXX AND I DID NOT AUTHORIZE ANYONE TO CHARGE MY ACCOUNT. I HAVE NO IDEA HOW A RESERVATION WAS MADE WITH MY INFORMATION AND IT WAS CHARGED TO MY ACCOUNT. I HAVE ATTACHED MY PAID ITINERARY FROM XXXX XXXX, INCLUDING STATEMENT SHOWING WHERE THE ACCOUNT WAS CHARGED, AND XXXX WAS THE MERCHANT THAT CHARGED, MY ACCOUNT, AND I ALSO ATTACHED AN EMAIL FROM THE MERCHANT STATING THEY DONT SEE SUCH CHARGED AND I SHOULD CONTACT MY BANKING INSTITUTION TO RECEIVE MY CREDIT. TILL TODAY WELLS FARGO HAS NOT GIVEN MY MONEY BACK AND IM FURIOUS!

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 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I XXXX XXXX CEO of XXXX XXXX XXXX dba XXXX XXXX XXXX disbursed to our student XXXX XXXX a check for the FEDERAL HEERF Grant for {$1200.00} dated XX/XX/20 and it was cleared and taken from our business account at XXXX XXXX on XX/XX/20. The XXXX bank ( XXXX, Ca ) at first said it would be up to a 10 day hold. On XX/XX/20 they gave her a letter that said her account was being investigated for fraud. Then on XX/XX/20 the branch manager that the account was closed and the check was returned. It is now XX/XX/20 I have not received the funds back from BBVA and BBVA held onto my funds for 14 business days. Our student is an XXXX XXXX XXXX and I believe they started this fraud claim due to discrimination of her race. None of our other students have had any issues depositing these checks and we have sent 104 of HEERF Grant checks. The Department of Education created the HEERF grant to alleviate student financial problems during the  COVID-19 pandemic. XXXX XXXX XXXX disbursed the HEERF grants as quickly as possible to alleviate our students dire needs. The branch manager 's name is XXXX and has not been supportive or respondent. The XXXX, Ca BBVA branch is responsible for withholding government funds due to XXXX XXXX during a pandemic. This is a more detailed complain that I had submitted previously which was closed without returning the government funds. BBVA closed the complaint for not having authorization from XXXX XXXX but did not request authorization. I have attached authorization from XXXX XXXX to file and investigate this complaint on her behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: GA

Complaint narrative:
I pulled my credit report a few months ago and realized that there was an account on my credit report that I know was opened fraudulently. According to XXXX, Experian, and XXXX, the XXXX cell phone account was opened XX/XX/XXXX. I also noticed that there was an address on my credit report listed in a different state. I've tried disputing this account multiple times but the credit bureau keeps updating it as accurate based from the information being received from XXXX. This is causing further damage to my credit report. XXXX has not done anything to reach out to me personally to investigate this matter instead they keep damaging my credit.As I look at the account on my credit report, it should have been apparent to XXXX that this was opened fraudulently. The amount showing is {$200.00} owed. For proof that I did not open this account, I am willing to provide a copy of my Georgia driver 's license which reflects the address of the home that I bought in XXXX. I've had the same address since XX/XX/XXXX ( check public records to verify the date of my home purchase ). I have no reason to get a wireless account with XXXX when my wife and I have been with XXXX XXXX  since XXXX with no intention of changing ( I can provide bills dating back to XXXX if needed ). I'm willing to provide whatever proof is necessary to resolve this. I just expect this account to be removed form all 3 bureaus 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 explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was living in Utah helping my parents. I was never served court papers. And never knew court was being held without me. They had to of lied about serving me papers. Its been 11 years ago and there still harassing my credit report. Statutes of limitations are long over and they need to stop reporting to credit bureaus this lie.

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 2020-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
hello my name is XXXX XXXX i own a paypal account so someone i have met month ago for something personal i thought they we're legit so they offered me something for XXXX $ i told them i was not comfortable with sending full payment too them so they told me too do half payment for XXXX $ that when we met up that i can complete the other half of XXXX $ we'll the person would not answer me for 30 mins so they answered said that the payment was pending i did not feel okay with this so i asked the person too refund the payment they kept giving me the round abouts and giving excuses that they needed a other XXXX $ so that the payment and there account can take the money and the payment too complete.so i have contacted paypal they would not help me with me the issue because the payment was already sent i had proof of being scammed they still wouldn't do anything about it. so today i called you guys i am speaking with XXXX XXXX XXXX he told me too fill out this thing today. 

transaction ID for my payment is XXXX Person Email is XXXX Name is XXXX XXXX they also sent a screenshot showing the payment was pending i also saw a transaction ID AS WELL XXXX I will be including screenshots as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
We have 2 mortgages, 1 - our primary with Freedom Mortgage, the other is a real estate investment with XXXX XXXX. 

We never have made any of our payments late, yet both mortgages show that we are in forbearance status. We have tried repeatedly for lengths of time to have the banks change the status yet it remains. 

We are in the process of selling and would like to refinance the other loan. I am afraid it will be a huge problem for us to do either if the status shows that we are in forbearance. We also understand that the credit bureaus show both these loans in forbearance. 

When I emailed Freedom about this, they said it was because we made a late payment in XX/XX/2019, I have a confirmation email from them and the withdrawal from our account proving that is an inaccurate response. 

Please help us, we are not sure how to proceed. 
Thank you so much! 
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 2020-07-10 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: FL

Complaint narrative:
I am upset to know that false accounts are being reported on my credit history and is affecting my score. I do not know anything of these accounts and would like it removed.

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 2020-07-10 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: FL

Complaint narrative:
I am upset to know that false accounts are being reported on my credit history and is affecting my score. I do not know anything of these accounts and would like it removed.

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 2020-07-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX/ CAPITAL 1 OPENED XX/XX/XXXX XXXX. XXXX CAPITAL   1 BANK USA OPENED XX/XX/XXXX XXXX. XXXX CAPITAL 1 BANK USA OPENED XX/XX/XXXX XXXX. XXXX THEY MADE PAYMENTS ON THE ACCOUNTS UNTIL I CONTACTED THE POLICE DEPARTMENT AND CLOSED MY BANK ACCOUNTS IN WHICH WERE ALSO HACKED INTO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: AL

Complaint narrative:
In XX/XX/2020, I disputed several collection items with XXXX, TransUnion and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

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 2020-07-10 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: AL

Complaint narrative:
In XX/XX/2020, I disputed several collection items with XXXX, XXXX and Equifax. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
On XXXXXX/XX/XXXX I disputed the debts listed on the End of Lease Liability Statement through priority mail for Account XXXX XXXX XXXX for the following reasons : The Itemized Wear and Use section on page 2 of the End of Lease Liability Statement had several problems. One, it does not indicate tire problems that are listed as chargeable use in the list Nissan Motor Acceptance Corporation lists. I am including a copy of the list here but it clearly states that the tread on the tires must be less than of an inch. The depth of the tread is not reported on the bill. Moreover, the list states that the scratch on the wheel cap must be longer than six inches. There is no report of how long these alleged scratches are in the itemization. 

Two, the portion about a cracked rear lamp is false. When my daughter returned the car, someone named XXXX XXXX inspected it with her and walked around the car. There was no mention of a cracked rear lamp in the report from the turning in of the car. If this was not a pre-return inspection then that was not made clear to me. 

If there are broken lights, scratches or worn tread, I dont know if such wear was sustained after we surrendered the car on XX/XX/XXXX. None of the time and location-stamped pictures we took of the car on the lot when it was returned on XX/XX/XXXX show any cracks. 

The total of these false charges is {$670.00}. That entire amount is disputed. 

Third, the disposition fee of {$390.00} and the disposition fee tax of {$25.00} are also disputed as I tried to renegotiate the lease and was rebuffed several times and was told I would have to pay {$470.00} per month to lease the car. My offer to continue leasing at the same price was rejected by the XXXX XXXX XXXX in XXXX XXXX, Connecticut. If Nissan is not willing to work with me then I cant renew. 

I enclosed money order number XXXX for {$640.00} for the property taxes. In accepting this {$640.00}, my letter made clear that by accepting the money, NMAC agreed to waive the rest of the bill because the debts are not valid. 

I told NMAC that if they didnt accept this offer, to please send the money order back and we would resolve this through the courts. Copies of the payment and the letter are being attached to this complaint. 

I received notice that NMAC accepted the offer and the final payment of {$640.00} for the entire debt. Collection efforts should cease and I should have a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Sir/Madam, I purchased a merchant for {$240.00} online on XX/XX/XXXX. a representative of the merchant informed me that item was not available by email. She asked if I wanted to change to other item. I said no. I asked her canceling my order by email. However, the item was still was mailed to me. I asked the address I could return the item. I got no response. I informed my credit card company Capital one. They asked me the copy of invoice. date of cancellation, etc. I have no these document. All I have are the emails I communicated with the a representative of the merchant. The email proved me I have cancel the order before they mailed the item. I mailed the emails and fax to them, But I was still be charged back {$240.00}. 

Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had an account that was opened in XX/XX/XXXX, within the past four days while I am trying to buy a home this debt was re-aged onto my credit report and reported as new XX/XX/XXXX. The debt also says that there were XXXX XXXX dollar, on time, payments made in, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is also false reporting.

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 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: MA

Complaint narrative:
I received a bill in the mail from an collection agency, I was offered to pay less than originally owed. I paid the amount in full as agreed on XX/XX/XXXX. I contacted all three credit agencies and sent proof but still is on my credit now showing late for XX/XX/XXXX and XX/XX/XXXX. I also paid a second bill in full of XXXX on XX/XX/XXXX. To the XXXX XXXX XXXX XXXX XXXX. Also still on 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 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am a victim of the equifax breech. In XX/XX/XXXX I put in my request to be re-embursed for my part of the settlement. In XX/XX/XXXX they wanted proof of my credit monitoring. I gave them that. I started noticing I was getting credit alerts from them, which, I unsubscribed from. I DID NOT want any credit alerts, I never asked to be given that instead of cash. I think they are beyond arrogant to think ANYONE wants them, the company that did not have my consent to ever give out my personal information, monitor their credit. It's honestly an insult. I want my cash settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
can't connect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This complaint is in regards to credit card dispute of XX/XX/2020 for {$380.00}. USAA refuses to issue refund from XXXX XXXX  ( XXXX ) for a cancelled airline ticket reservation because the COVID-19 pandemic. 

USAA refuses to issue a written guarantee to refund the money if XXXX XXXX files for bankruptcy or there is no vaccination available by the time the voucher expires. 

USAA is enabling XXXX XXXX to apply 2 sets of standards to its customers because of the pandemic. One for XXXX XXXX in order to get exceptions & breaks, in addition to federal financial assistance. The other to customers such as USAA members by negating that the pandemic exists. 

The COVID-19 pandemic is a clear force majeure event. A force majeure entails both parties effectively voiding a contract and being returned to their previous position. It doesnt allow one party ( XXXX XXXX ) not to perform while still keeping the money. This unearned money in the books is being used as collateral for additional financing and warrants. 

XXXX XXXX carries chargeback insurance. 

USAA ( and XXXX XXXX ) are disregarding the Fair Credit Billing Act and Truth in Lending Act. The chargeback mechanism exists primarily for consumer protection. Holders of credit cards issued in the United States are afforded reversal rights by Regulation Z of the Truth in Lending Act. 

COVID-19 continues to be out of control in the US, including Florida. The Centers for Disease Control and Prevention ( CDC ) is clear : Because travel increases your chances of getting infected and spreading COVID-19, staying home is the best way to protect yourself and others from getting sick. 

It is highly probable that vaccination is not going to be available by the time the voucher expires. 

In regards to credit cards disputes, USAA is NOT for its members, but for the merchants, such as XXXX XXXX. 

Request refund of {$380.00} or written guarantee from USAA that the funds are going to be reimburse if XXXX XXXX files for bankruptcy or if vaccine is not found or if not administered by the VA before the vouchers expires.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation