vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a XXXX transfer in the amount of {$400.00} on the Wells Fargo XXXX app, then the Wells Fargo app duplicated that and made two separate transfers of said amount. The transactions had identical confirmation numbers. When I filed a claim on XX/XX/2021 I was told to wait 10 business days but before the 10th business day the confirmation number of one of the transactions was changed making it look like it was not a duplicate error from their end. I followed up with them twice now and even escalated it to a 'higher level ' as the Wells Fargo representatives called it. They still refuse to refund me for their mistake.

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 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
on XX/XX/XXXX i talked to XXXX from pnc exec. She claimed that the XXXX dollars on XXXX was an error and that one XXXX dollars was on XXXX and one was on the other on XXXX.. I checked my bank account on XX/XX/XXXX i had XXXX cent ... On XX/XX/XXXX my account was overdrawn according to the bank. I did not use my card. I always leave enough money in my account. I placed XXXX dollars in my account anyway before XXXX XXXX. I then left a message for XXXX @ XXXX XXXX XXXX XXXX. Ever since this stimulus payment relief started I have been having issues with my account. I will be filing charges with the police. 



XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I quick paid {$4000.00} to partner through Chase but it turned out that his info still had his old phone number. I quickly called Chase to let them know and I was told that they were going to take care of the issue but two weeks later I got a letter from Chase saying that there was no further action to take and the case was closed by Chase. Now, my money is lost and I don't even know the person that I sent the money. I tried to call, text, request the money back but I have not received any response. The money was on account pending for three days and Chase did not do anything to stop the transfer. 

Also, I went to Chase branch and of the representative there told me that the money was going to be deposited into XXXX. 


The transfer took place XXXX Called Chase the same day XXXX Letter received from Chase closing my case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been writing to Equifax from XXXX concerning some accounts on my credit report reporting as collections with account numbers- XXXX and XXXX with opened dates from XXXX. 
These accounts have no names, no balances and no contact information and yet they are still being reported on my credit. It has been causing me much stress because I know I do not owe or have any collections. 
Equifax is also reporting late payments on my credit report when I was never late with a payment on any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: GA

Complaint narrative:
The bank is closed and XXXX  a impersonator pretending to be customer support

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WI

Complaint narrative:
Carhop hard inquiry I do not recognized on XX/XX/XXXX, removal date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX, I alerted Wells Fargo Auto that the information being reported to the credit bureau regarding my vehicle loan is not correct - my balance with the credit bureau has not been updated since XX/XX/2020. The reply I received was that my balance is reported each month, to the credit bureau. This is clearly not the case and I can not get Wells Fargo to update my credit report, monthly, with the correct information. 

Thank you.

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 2021-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Hello so I am being charged for a XXXX bill for phones I bought around XXXX. I asked for XXXX to close the account and I believe they did they closed everything. I do not owe or have to pay anything as the account was closed and I keep getting harassed by the debt collector.

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 2021-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This is a loan from XXXX XXXX through Firstmark services ( Third Party service ). I had availed 9 month COVID forbearance starting from XX/XX/2020 to XX/XX/2020. I called Firstmark Services in XXXX and asked about other financial forbearance programs that I can avail since my COVID forbearance was coming to an end. One of the agents said that I had a few more months ( 3 months to be specific ) in my COVID forbearance program that I can avail after which my normal forbearance program ( 10 months in total ) can be applied. 

This happened to be misinformation as my COVID forbearance program was completely done by XX/XX/2020. Moreover, Firstmark Services automatically applied the normal forbearance to my account ( 10 months divided into sets of 2 month forbearances ) for 2 months. I wasnt informed in any manner about this. Since Im currently unemployed, I had made financial plans according to the information they provided in XX/XX/2020. 

I called Firstmark Services and explained this whole situation. They apologized and provided loan modification option which will affect the borrowers and co-signers credit score. I requested at least an extra 2 month forbearance since it was a mistake of misinformation on their part. They said they cant help me with the COVID forbearance program and I cant avail another 2 months of the normal forbearance if I havent made 12 payments after the previous 2-month forbearance. 

This seems to be totally unfair as I was misinformed about the forbearance options and I had made financial plans according to the wrong information they provided. This is more of a strenuous situation now as Ive been unemployed for the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rosebud Economic Development Corporation
State: GA

Complaint narrative:
I understand I owe a debt. I went online and requested {$500.00}. I did get the {$500.00} into my checking account. I don't like the fact that they call me ALL the time. I borrowed {$500.00} and I'm not paying them back no {$2000.00}, I'm willing to settle to the account by making monthly payments of about {$50.00}. I under the interest rate, but paying back {$2000.00} is outrageous. A representative called me on a Sunday morning, I don't do business on the weekends. All these calls from different numbers don't make no sense at all. Stop the caller ID spoofing.

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 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2021 : 1. ) Went into my local Chase Bank Branch to verify my identity as I was asked to do after opening my new personal checking account online.

2. ) Was told by the banker at the local Chase Bank Branch that my account was CLOSED due to fraud ( suspicious activity ) and that the amount in the account ( that I had transfer from my other personal checking account ) would be sent to my home address on file by Saturday XX/XX/2021 the latest. 

XX/XX/2021 : 1. ) Called for a status update because the check still was not here after the Saturday mail delivery.

2. ) Called ( on the same day XX/XX/2021 ) the Chase Customer Service number and was on hold for 10 mins before talking to the 1st representative. They proceeded to tell me that I needed to talk to a Supervisor and put me on hold again and transferred me to ( what was suppose to be ) the Supervisor. 
3. ) After on hold for about 30 minutes " the Supervisor '' asked to verify my identity then put me on a brief 3-5 minute then proceeded to put me back in queue.

4. ) The 3rd representative ( Shenic (? ) from Chase 's Fraud Department Customer Service Line ) said that the final review of my account indicated that Chase terminated our relationship and will no longer bank with me know or in the future. I will not even get a chance to receive my funds until I go back to the Chase Bank Branch with 2 forms of ID and " Show cause of the external transfer of my funds from my old personal checking account to my new account with Chase ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
It is fraud. its a unemployment card that i did not apply for. Amount is unknown as i do not want to activate it.visa issued by USA bank

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 2021-03-13 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: AmeriCollect
State: AZ

Complaint narrative:
Debt Collector Violated HIPAA Collection agency, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Credit Collection SVCS did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I recently disputed a medical account with this company to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 3 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 3 months and never to be responded to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 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: Chime Financial Inc
State: MN

Complaint narrative:
I fixed the Situation with CHIME XXXX it was a 3rd party vendor and they still went behind my back and closed my card WITHOUT MY PERMISSION! 

EXAMPLE SIMILAR TO XXXX VS CHIME XXXX XXXX!! 

Start a suit in XXXX on my behalf!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Section 1681i states : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. It goes on to state in part 2 of the same section ... ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

XXXX DID NOT CONTACT THE SOURCE to investigate this item, XXXX DID NOT notify the source of a dispute regarding the item, and XXXX did NOT mark the item as in dispute on my credit report. 

I have sent several letters with the last ones being notarized and sent them certified ; however, they fail to prove current, true, correct, complete, or metro 2 compliant. I do have tracking numbers if needed.

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 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America sent a letter advising that an account was opened for me this was odd since I never opened an account nor have any accounts with Bank of America. Unable to reach Bank of America to both closed the account and to question how this account was opened without my authorization need letter verifying that the account was closed and issue an id theft 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 2021-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received this offer from one of my store credit cards. This at a very trying time for consumers across the county because of the Pandemic and when personal interest rates are at close to an all-time low. They are making an offer that is going to trap people in exorbitant fees that need to be regulated in a much better way. 27 percent penalty is way beyond reasonable for any bank. 

-- -- -- -- -- -- -- - The offer -- -- -- -- -- - At a time when consumers are carefully considering their spending and how they manage credit, promotional financing offers from Synchrony Bank may make more sense than ever. We wanted to let you know about special financing promotions that may be offered on your Lowe 's Advantage Card account. From time to time, you may be offered one of the following promotions when you make a qualifying purchase : No Interest if Paid in Full Within 6, 12, 18 or 24 Months. 

For the promotion ( s ) described above, if the promotional balance ( which includes the promotional purchase amount and related optional debt cancellation charges ) is not paid in full within the promotional period, interest will be imposed from the date of purchase at the APR that applies to new purchases made on your Account when the promotional purchase is made, which as of XX/XX/2021, is the APR of 26.99 %. 

Minimum monthly payments are required. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval, may not be available at all times for all purchases and can not be combined with other credit-related promotional offers. This is only a summary of key terms. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered and keep this notice for your records. 

We look forward to continuing to service your Lowe 's Advantage Card account. 

Thank you for your business. 

Synchrony Bank

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 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Sold an item on Paypal in person, Buyer paid in full using Paypal account and release funding immediately because of in-person sale, Paypal is holding funding and refusing to release funds for 21 days I've contacted them over the phone over 5 days ago that stated they would release funds but still on hold. I've called them today which their system says they are open on weekends till XXXX XXXX, but the call is disconnected saying call back Monday-Friday when they message saying hours of operation also on Saturday and Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 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: OH

Complaint narrative:
The following accounts listed below are fraudulent accounts and doesn't belong to me.They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX/XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 2021-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Back in XX/XX/XXXX I refinanced my home for a lower interest rate. At the same time my property tax was due on the home. Two property tax payments were sent to XXXX XXXX XXXX XXXX 's Office. One by the new Escrow Co ; XXXX XXXX  of XXXX XXXX, CA and the other payment was sent by XXXX XXXX XXXX XXXX. my previous lender who was paid in full on the old mortgage. The duplicate property tax payment of {$1100.00} was finally sent back to the old lender ( XXXX XXXX XXXX Co. ) in the 2nd week of XX/XX/XXXX. I had confirmed this with the XXXX County Property Tax Office by XXXX XXXX. I have since on several occasions called by phone and was told by Home Point to send them an E-mail which I did 30 days ago with no return reply or when I wwas to receive that payment which came out of my Escrow funds from Home Point. They still owe me that payment for duplicate property tax payment that came out of my XXXX XXXX XXXX  escrow account. Please contact XXXX XXXX XXXX and inquire why they have not sent me my entitled escrow funds that are due me. It's been five months now since that duplicate property tax payment has not been sent to me. Your help in this matter will be extremely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal locked my account on which I have XXXX. I tried to contect them, but they are avoiding my emails.

Company response to consumer: Closed with explanation