vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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: CO

Complaint narrative:
I received a call on XX/XX/XXXX, the individual introduced himself as a representative agent from the XXXX XXXX and knew about a recent stay I had at a XXXX in Colorado. Due to his knowledge regarding my recent travel, I believed him to be a legitimate representative from the XXXX. 

I proceeded to accept a travel certificate which I was told would be good for up to 2 years. However, upon accepting the package and providing my credit card number, I received the confirmation email with several different company names. At which point it became clear to me, the company was in NO way affiliated with the XXXX and I was not dealing with a legitimate organization. I then stated to " XXXX '' I no longer wished to proceed with the purchase and wanted to cancel my agreement. He then stated he could and would not cancel until I sent back more information, I then advised him I would call my credit card company to dispute the charge. I hung up with him and called Capital One right away. 

At that time, they did not see an authorization on my card so the Captial One representative proceeded to cancel my credit card. However, the next month the charge appeared on my card. I filed a dispute again with Capital One on XX/XX/XXXX providing details of the call and interaction with the company and inevitably lost the dispute. 

This company is deceitful and very good at winning disputes with Credit Card companies. However, based on my registration on the " Do Not Call List '' in 2003, they should have never been able to call me. 

There are multiple complaints on the XXXX website regarding the companies deceitfulness. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
( check processed twice ) Check # XXXX dated XX/XX/XXXX for {$300.00} that was previously processed and paid out XX/XX/XXXX was withdrawn from my checking account again on XX/XX/XXXX. The act caused the account to go negative and three {$36.00} overdraft fees were charged to the account. I notified my local branch, customer service and filed a dispute/claim as soon as I identified the issue ( XX/XX/XXXX & XX/XX/XXXX ). 

The check image ( front/back ) shows it was processed in XXXX. The same transaction shows up in both my XXXX and XXXX bank statements. 

The bank acknowledges that the check cleared years ago, and again this year which is an odd scenario. While I thought the issue was being resolved, to my surprise my bank has not even started an investigation into the matter. 

A few days ago I received an affidavit of fraud form from the bank requiring a sign and notarized statement ; unfortunately, neither of the scenarios detailed on the form match what took place. Although, the bank agrees the check was processed twice which appears to be a bank error the issue has yet to be resolved. 

The account is my primary checking account, not being able to access it has disrupted my everyday activities ( i.e. bill payments, direct deposit, etc ). 

I have all evidence detailing the error : XXXX bank statement, transaction detail, check image ( front and back )

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 2021-12-30 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I sent experian a letter letting them know that XXXX XXXX needs to be removed from my credit report for multiple reasons one I am not the owner of the account that is posted on my account another reason is because its reporting inaccurately across all 3 credit bureaus its already been removed from XXXX and XXXX but Experians is still reporting it and I also let them know that I would be contacting yall if they didnt fix it another account on my credit that I asked them to remove because its not mines and its reporting negatively is XXXX XXXX and one last account is XXXX XXXX XXXX XXXX none of these accounts are mines I didnt authorize nobody to open anything in my name and I let them know in detail that they are not accurate and that I want proof that these accounts belong to me I have not received any proof and they have not tried to help me in any way to get these things off my 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 non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Hello, Pennymac Mortgage currently holds my mortgage ( which I refinanced in XXXX and then Pennymac subsequently purchased ). They call me constantly to refinance again. I called them in XX/XX/XXXX to have them remove me from their list. They assured me they would stop calling me about refinancing ( and while I was on the phone with them, they tried to sell me a refinance again ). They typically call me 5-6 times per week. Please help. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( XXXX XXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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 2021-12-30 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: FL

Complaint narrative:
I am not exactly sure if I have chosen the correct category, however I have been a victim of fraud in which I have explained to my bank. I received a phone call to change my banking information and I also believe that my card may have been cloned by a fraudster. Monies were deposited into an account that I rarely use. I mostly use it for convenience of depositing paying bills, transfers, gas, and some food transactions. I filed a dispute after monies were unknowingly deposited and withdrawn from my account. Wells Fargo Financial Bank has denied my claim, stating that this was made by me or someone near me and that is totally false. I can not afford to pay over XXXX for this and I do not want to lose my account due to unpaid fees.

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 2021-12-30 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: NY

Complaint narrative:
These Two accounts are still reporting on my Experian Account. I have included evidence that Experian has deleted this account but is still reporting it onto my credit report. I have called Experian and reported it to them but they have yet to solve this problem. I have even mailed them showing them proof that these accounts was deleted and is still reporting on my credit report. The two account numbers are : XXXX and 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 2021-12-30 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: AL

Complaint narrative:
I have sent by certified mail to each : TransUnion XXXX XXXX A letter to remove all records of credit that no longer has any contact with me at my current address. I attached 3 proofs of my identity with my current address. All three acknowledged receipt of said complaint but without addressing my complaint. Specifically : I do not have any other current address and I do not desire any other addresses to be retained or reported, if any now delete and provide proof of your legitimate authority to retain much less report without infringing on my consumer rights. 
Sent XX/XX/2021 And approximately XX/XX/2021 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: TN

Complaint narrative:
Has been notified twice that I am not the person for the debt they are trying to collect. Repeated calls for another person in which they failed to identify the company they represent and that their intention is to collect a debt. Opt-out specific language was provided and cfpb cease communication letter was mailed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Have tried three times to get the information on eliminating PMI. Will not let me get to payoff amount that it takes to no longer be charged that fee. I have been a customer for 12 years and have NEVER been late on a payment. I have called and put on hold all times until they just hang-up. Over 3 hours of my time wasted just on those calls alone. They know that I should not be paying PMI any longer and they keep avoiding me. Also, I have sent two Certified letters asking for that info and all they do is respond with a canned e-mail. Please help, this is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed with Equifax that I was a victim if identity theft and that these are accounts and inquiries that are reported on my FTC report are fraudulent accounts. I would greatly appreciate your assistance in this matter. XXXX and XXXX have since removed these fraudulent accounts and inquiries. These is always an issue with Equifax following the FCRA guidelines and laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM NOT A LAWYER I AM XXXX XXXX XXXX, A NATURAL PERSON AND A FEDERALLY PROTECTED CONSUMER THAT KNOWS THEIR RIGHTS! Experian has violated my consumer rights! They refuse to respond to any of my letters, my complaints on here, and they won't look into the companies I disputed on my consumer report ( They close the dispute immediately EVERYTIME ) I Have IDTheft reports on these companies and they still refuse to delete them or PROPERLY look into these companies. Their excuse is stating that I am a lawyer which I'm not! they are basically calling me dumb because I know my rights which is not right at all! They're discriminating against my character. They have violated SOOOOOOO MANY LAWS! I, XXXX XXXX XXXX Give my consent ( for the 4th time ) For Experian to respond to this complaint.

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 2021-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: OH

Complaint narrative:
Dear Sirs, On XX/XX/XXXX I sold my property. The mortgage company, Midland Mortgage reported the mortgage paid in full to the VA on XX/XX/XXXX. On XX/XX/XXXX Midland Mortgage reported my account as delinquent. I have contacted them several times with no relief. 
They have acknowledged the mistake and their error in reporting the erroneous information. What they lack is the desire to correct it. 
I contacted the credit bureaus an filed a dispute in an attempt to correct this matter and resolve this matter but haven't received a judgment as of yet. I would appreciate your assistance in getting this matter resolved.

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 2021-12-30 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XX/XX/2XXXX XXXX XXXX XXXX, I made a purchase, {$71.00} with newly approved Old Navy credit account, Receipt last XXXX = XXXX Never received card. 
Got billed and noted, not just my purchase, but fraud charge {$720.00} by XXXX XXXX XXXX ( sic ). Under that is " Other Transactions '' and " gas, groceries etc. Statement last XXXX = XXXX I sent a note, explained the above, with payment for my purchase of {$71.00} and note disputed the {$720.00} to XXXX. I questioned how that was even possible, since Old Navy is a clothing store. Never did get answer. 
I stated emphatically to cancel account and I do not want another. Explained why : called XXXX different numbers for Old Navy. None allowed talking with actual person, just going in circles wanting payment. 
Finally on-line chat that referred me to Synchrony Bank XXXX Here we go again with automated system. Research led to another on-line chat that referred me back to Old Navy! <lousy customer service> Again to Old Navy, given another number to Synchrony Bank.

Accepting my claim of Fraud, Old Synchrony falsely reported i.d . theft to credit reporting agency. 
After 4 months, still no real investigation. 
Why 2 different account numbers? 
Was cashier involved? Or staff that processed card? 
I researched the business XXXX and found numerous scam and Fraud ; i.e. Construction, Employment, Government grants, and not to mention, Transport Servic. 
Now, Synchrony has manipulated my payment and fraudulently attributed {$11.00} to " Interest Paid ''! 
All previous statements are 0 Interest.

Previously, Synchrony stated I'm " Responsible, Authorized, Participated In or Benefited. '' False. 
I asked Where, Exactly, did the XXXX charge emanate from? 
They've been adding late fees, Interest And sent me not just one, but 2 different credit cards! 
They harrass me for payment, but never did an actual real investigation. 
Reported i.d . theft when I stated never received card, and pointed out One fraudulent charge by 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 monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial
State: AL

Complaint narrative:
Received a voicemail threatening to arrest me. XXXX contact with an individual who said he was an attorney in New York. He said he would sue me for not paying a debt. He called me names and used vulgar and threatening language. I have never heard of the company that he claimed the debt was owed to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 ( XXXX XXXX  ) I was contacted by a phone number that my XXXXXXXX XXXX caller ID identified as Wells Fargo, my bank. The number was ( XXXX ) XXXX. The caller identified himself as a representative from Wells Fargo and said there had been a potentially fraudulent money transfer from my account, and that I needed to take steps to reverse it. The caller asked me to log into my account using the Wells Fargo app, which I did. The caller talked me through the process of sending a money transfer of {$1500.00} to myself, which I was told would fix the problem. 
This seemed strange and suspicious, so I asked to caller to explain exactly why this action was necessary on my end. His answer wasn't satisfactory, so I stopped the process and did not complete the transfer, hanging up on the caller. At no point did I give any sensitive information to the fraudster. 
Shortly after the call, I checked my bank balance and {$1500.00} was missing, despite my not completing the process. Ibelieve the fraudster was able to hack my account or phone and complete the process on his end by some method, perhaps explaining why he insisted on my using the app. ( He did have the technology to trick my caller ID. ) I called Wells Fargo at XXXXXXXX XXXX to report the fraud. It is clear the transfer was made AFTER I got off the phone withthe fraudster but BEFORE I called Wells Fargo. Out of an abundance of caution, they said, I had to close my checking account immediately and open a new one. This had, for me, the unintended consequence of making it now impossible for me to verify more details about the transfer since that account is now closed and I can not view it online. 
Wells Fargo has refused to replace the money. CFPB regulation ( 12 CFR Part 1005 ) states that the bank is required to replace the {$1500.00} because I did not give the fraudster and personal info. I was not scammed, I was defrauded, and this theft is the legal responsibility of Wells Fargo and they are hiding behind the lack of a paper trail and the obvious flaws in the security of their online services.

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