vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I made an online purchase for concert tickets which I never received. I am unable to contact the vendor and was also charged over {$900.00} to my account when the purchase price was just under {$400.00}. When I disputed the charge Capitol One entered the dispute as a cancellation. I did not cancel, the merchandise was never received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28 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: DISCOVER BANK
State: AZ

Complaint narrative:
I have being the victim of identity fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: MO

Complaint narrative:
This account appeared on my credit report on XX/XX/21. I have never had a loan with World Finance Corporation nor have I ever done any business with World Finance Corporation. 
I was never contacted by this company via phone or mailed any correspondence in relation to this account that appeared on my credit report. I was never given the opportunity to request validation information from this company for this account that appeared on my credit report. 

This company has violated the fair debt collection protection act. 

I want this removed ASAP. In the interim I want the opportunity to fairly dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello I looked at my credit report and on XXXX it shows that I have 2 hard Inquiries from Penfed on XX/XX/XXXX of 2020 and XXXX XXXX of XXXX. I never authorized these hard inquiries. Please remove these inquiries from my credit report or provide proper documents including my signature where I authorized these hard inquiries. Thanks 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
Consumer complaint received 2021-09-28 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: MO

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: TN

Complaint narrative:
I have been affected by Covid19 and I became delinquent on my mortgage. I have requested mortgage assistance several time to bring my mortgage current. The mortgage company is unwilling to work with me and my 2nd mortgage they have discussed a large downpayment of which I don't have. Received letter in XXXX stating the mortgage had ballooned and they wanted the balance owed of {$40000.00}. I have a 1st mortgage with another mortgage company on my home I am a XXXX, I've lost several family member to Covid-19 and I don't want to lose my house. I have not received a letter offering me terms for mortgage assistance from my 2nd mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I took out a mortgage with a local lender and they sold the loan to Fannie Mae XXXX XXXX XXXX. The servicer went from them to Wells Fargo. I received a notification of this change on XX/XX/2021. 

I went on Wells Fargo 's website and attempted to register my account to set up online banking to monitor my mortgage. During this process Wells Fargo requests my SSN and my Loan #. After entering these Wells Fargo states they have to send a text message to verify I am who I am. The phone number that WF has is not mine. I call their support line and after 4 or 5 calls now I am still at square 1. They were able to update my phone number in their system but I am still not able to register to create an online account.

I have 0 faith in WF and I have no trust in their ability to service me or be honest. What adds to this is there are no Wells Fargo physical locations in Michigan ( the state I reside in ). 

I am unable to get an answer as to where Wells Fargo got the incorrect phone number, I'm also unable to get a clear answer as to why I'm supposed to " wait a few days and call back '' to see if they can set up it up then. How can someone be a servicer of a loan and not have a physical location in the state they are supposed to be servicing? Seems like a sham and that it shouldn't be legal. I fully understand that when I signed my loan documents I agreed that the lender can sell my loan off or transfer it to a new servicer. 

My issue is, how can a servicer not even be in state? The rep at Wells Fargo told me to go to a physical location to verify my identity and get my email address and phone number updated, I had a good chuckle at that. Ridiculous.

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 2021-09-28 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: MoneyLion Inc.
State: AZ

Complaint narrative:
I have being the victim of identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is my SECOND attempt to try and fix these issues with this company and I have yet to hear anything back in the mail and they are still reporting the inaccuracies after Ive mailed in pointing out the reporting errors made.

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 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: GA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late for the month of XX/XX/2021 and 60 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2021-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, As an XXXX XXXX, I opened a bank account and credit card with Wells Fargo in XXXX for a brief period of time. After learning of their malpractice, in a myriad of different offenses, I decided to remove my money from the bank account and terminate my services with Wells Fargo. I closed the account in XXXX, the same year I opened it. At the time of closing my account, I had a {$0.00} balance with the Credit Card at Wells Fargo. 

In XXXX Wells Fargo issued a charge off for the balance I " owed '' which indicates a {$0.00} amount. I have contact Wells Fargo Card Services directly in multiple attempts to get this resolved and have them accurately report my information to the XXXX, XXXX and XXXX credit Bureaus. In addition, I have paid a subscription with a 3rd party credit repair organization, XXXX XXXX. 

Wells Fargo has sent me letter after letter saying they couldn't process my request. First for my attempt directly with their Card Services and now several more with XXXX XXXX contacting them on my behalf. Still they remain adamant, with the exact same verbiage in each letter, that they can not " complete my request because we can not determine what specific information is in dispute. '' I have provided all my account information and every detail they require for dispute but continue to act as if that my information doesn't exist in their system despite the fact is it being reported to the credit Bureaus. 

I could never pay the amount I " owed '' because it is a {$0.00} amount but Wells Fargo is still reporting it as a negative item on their end. I have tirelessly attempted to resolve this issue because my credit score is negatively impacted by this charge off. 

5 years later, I am now in my late XXXX XXXX and attempting to get a home loan and this malpractice from Wells Fargo is impacting my ability to get a favorable and affordable mortgage rate. To add, I was a XXXX from XXXX - XXXX and Wells Fargo took advantage of my financial illiteracy at the time and now will not rectify this issue despite never having taken a financial loss with me as a customer. 

Please if anyone can help or point me in the right direction on how to approach this issue, I will take all feedback and suggestions. Attached is a letter of acknowledgment when I submitted my claim.

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 2021-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I noticed earlier this year on XXXX XXXX that there was an inquiry from capital one on my XXXX credit report and I never applied for capital one this year. I had an account a few years ago in XXXX as an authorized account holder with my boyfriend but weve already closed the account and I seen it was removed from my credit. Then the account was actually added to my account, I first spoke to them ( capital one ) and let them know it wasnt me and they told me that I had to send in proof of the inquiry and account on my credit report and also write a letter stating what the issue was. I didnt think that was something I wanted to do because it was clearly fraudulent so I didnt do anything I thought they would pick up on it and remove it from my report seeing how Ive never dealt with this before. Then recently this month, it popped up again on XX/XX/XXXX that the account was now delinquent and it dropped my credit score drastically and thats when I contacted capital one again just for them to tell me the same thing and thats when I contacted XXXX to get the account off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NM

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX  and I do not have a contract with XXXX XXXX plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$950.00}

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 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Went to log on to mobile banking account XX/XX/21 at XXXX. which usually uses Face ID on XXXX, and user id and password populates automatically, but it did not work. I then tried typing in my username and password manually but it still did not work. I then called Ally Bank and spoke to a representative. She asked my name, address, social security number, favorite color, mothers maiden name and to further authenticate me she started asking questions from my credit report and past. She then said she was not able to authenticate me that way someone would give me a call back. I then called back XX/XX/21 and after asking me all the verification questions and asking for my phone number to send a code to it. I explained it did not work, the rep said she could ask the third party questions instead, I advised that did not work last time, she said sorry I needed to wait I-2 days for a phone call. She could not tell me from who or why my account was locked out in the first place. Finally, I called XX/XX/21 requesting a Supervisor. After waiting on hold for 25 minutes, I finally got Supervisor XXXX on the line, who advised, that I needed to speak to a specials team to get my account unlocked. It was locked, because I failed verification. XXXX put me on hold for another ten minutes, only to return and say that this department was not able to speak with me right now, but someone would be calling me back within a day or so. In the meantime, while I have been locked out of my account, someone else was able to change my phone banking pin, per this email I received. I was the victim of identity theft in XXXX of this year. At the time, the culprits only opened, accounts with XXXX XXXX Bank in my name, which I was alerted to, via my email and called to have closed right away. Sadly, I did not know I needed to delete my old email and make a new one until now and thus they have now gained control of my personal bank account also it seems. I am happy that Ally is protecting my account, but it does not take 3 ( friday, monday, tuesday, not counting the weekend ) days to call and tell me what documents to send in to verify my identity. I work for a bank, and we actually give the customers the information at the end of the call of where they can send their documents if they fail the 2nd step verification. At this point I am very disappointed, it's the 1st of the month, I have funds coming in, bills to pay and they are showing no urgency and very poor customer service. I would love you assistance in getting this resolved. I have attached my

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 2021-09-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company
State: NJ

Complaint narrative:
Dear Statebridge, Re : Property Address XXXX XXXX XXXX XXXX, Florida XXXX Loan Account # XXXX Attached please find the XX/XX/2016 NOTICE OF ASSIGNMENT SALE AND TRANSFER OF SERVICING RIGHTS letter from Statebridge Company LLC. 

AS XXXX XXXX HAS NO RECORD OF LOAN ACCOUNT # XXXX IN THERE SYSTEM PLEASE ADVISE THE STATUS OF LOAN ACCOUNT # XXXX. 

ATTACHED IS THE XXXX TO XXXX LOAN PURCHASE AGREEMENT AND LOAN SCHEDULE FOR LOAN ACCOUNT # XXXX. 

PLEASE NOTE THERE IS NO LOAN ACCOUNT # XXXX NOTED ON THE XXXX LOAN SCHEDULE. 

WHAT IS THE STATUS OF LOAN ACCOUNT # XXXX? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I have been receiving medical bills monthly and phone calls for over a year, stating that I owe money for XXXX XXXX provided. I have my health insurance EOB 's for all dates listed that show the patients responsibility is XXXX. I have sent them copies of my EOB 's via the mail and email, but they say that they have not seen them. The are threatening to send the information to collections and damage my credit. I have also contacted my insurance company several times on this issue and they said that I do not owe this money. My insurance representative has also called them on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and relayed to them that the I do not owe the money, but they keep saying that I do. 
I am listing the dates and amounts that they are asking for below : XX/XX/XXXX {$420.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00}

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 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Today on XX/XX/2021 I got an e-mail from AmEx saying they were closing my account. When I called them they said the reason they did so was because I has serious delinquencies on my record. So if said serious delinquencies were a thing on my record why did they even give me a card in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: DC

Complaint narrative:
XXXX was informed of a pair of airpods that were purchased from XXXX for {$310.00}. The cost of the merchandise is {$240.00}. The merchandise was also defective. 
The seller when informed of the price and defect within warranty refused to take the item back. Upon informing XXXX of the vendor, they said it was an XXXX corporate issue. XXXX has not responded. XXXX was only able to make good a partial replacement. The item had to be taken back by XXXX. Upon informing XXXX, there was no response. 

PNC Bank from where I used my debit card to pay the amount, refuses to dispute the transaction providing vague statements. See attached. 

Per the law, if merchandise is sold outside of the price advertised and is defective, the consumer has a right to fair procedural protections in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter along with a letter from the courts certified mail to dispute a bankruptcy on my credit report with Experian, XXXX, and XXXX stating that the courts does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. Experian along with XXXX sent me a email stating the information was Valid! It will remain until 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 2021-09-28 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: PNC Bank N.A.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any investigation 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