vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
XXXX / 120 days late in XX/XX/2020, as well as 90 days in May 2020, 30 days in XX/XX/2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I currently have an account with Net Credit and I was told that I was in collections due to a past due amount. However, in their system it says I made the payment on the due date, and I have records from the bank. I called the company and was told they would fix it, and the issue has never been resolved. They are adding XXXX statement fees which keeps me in the same debt. I pay XXXX a month for a XXXX loan and the balance is still XXXX. I have phone recordings of the agents saying I dont owe anything but yet their forcing me to pay more and saying if I dont get the issue fixed it could be reported to the credit burues. However, how am I able to fix a issue that wasnt created on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested capital one auto XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person

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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX my Purse was stolen while on vacation in XXXX XXXX while dining at XXXX XXXX. The content of my purse included my Wallet, Cell phone, passport and over {$600.00} in cash. Once I returned to the United states, I noticed unauthorized transactions on my credit card and debit cards. 

I contacted well Fargo regarding the fraud transactions. I filed a claim with XXXX XXXX on XXXX XXXX 2022 for {$1600.00} I was told it would take 10 days to investigate the claim. After 10 days, I receive a letter stating the claim was closed and it did not appear as fraud. The letter read : telling me that they believe the transaction was made by me or someone authorized by me. 

After receiving the letter, I reached out to Wells Fargo to have this claim reopened. After speaking with a representative and explained that my phone, Wallet and passport was in my purse and stolen, She stated, she would get this case reopened. I followed up with Wells Fargo after on XX/XX/XXXX. and I was told that my claim would not be reopened and they did not need to disclose the reason for the denial. Then I was told they would send me a request for Documentation and it will take 30 days to get the request form. 

I asked to be transferred to a resolution specialist. I was then ask to send it the police report and other documentation showing the property I was staying at the time in XXXX. I submit this information on XXXX XXXX. 

I contacted Wells Fargo on XXXX XXXX to make sure they received all the documentation. I was told they received the proof and documentation but the claim will remain closed. 

I have repeatedly asked what else do they need to prove these transactions were fraud and I did not authorized anyone to use my card for a hotel room or to withdraw money from an ATM. 

After submitting all the request information, My claim was still denied. I'm not if XXXX because my bank do not care I was robbed. I was told to contact the police department and they could possibly help me. The Police department told me to contact me bank due to the fraud.

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 2022-02-15 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: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery seems like a debt collector than strive off of misinformation & bullying people into paying debt that doesnt belong to them. If I owe a debt I have no problem paying it. What I will not do is pay a debt that is not mine. Because I know this debt is not mine I have written over 15 certified letter to portfolio recovery asking for them to validate the debt. They keep sending their computer generated letter saying their investigations are correct but no proof. They even restarted the debt to benefit there personal gain. They even reported the account as an individual but when I did my own investigation its a joint account open by my X husband without my knowledge or permission. I explain to them that they would never see a transaction signed by me because I never had or seen this card. They refused to remove this fraudulent account. They have been unable to provide any of the requested documents to validate they account & think what they say goes. I have rights & in a world where so much fraud is being done to every day people I refuse to be held liable for someone else debt. I was not even aware of this account because I had my own XXXX XXXX XXXX  & was thinking the information was on my card not a fraudulent account not done by myself. Portfolio recovery refuse to validate the debt in the correct way & have the nerves to report a joint account as individual to trick me into thinking its my account & my debt. They are violating my rights & is even breaking the fair credit act. Even tho the Credit bureau have all the proof of this company basically committed fraud against me & reporting inaccurate information on my report being harm against me 2 of the 3 agencies have refused to remove it & I know Portfolio has not validate this debt in the lawful way. And I want to hold XXXX XXXX XXXX also accountable. They can not run a company base on lies for there own personal gain. By law if they can not validate & proof this account belongs to me then they must remove from my credit report. They keep sending me transaction history than can be done by anyone. Thats the purpose of fraudulent activities. Nothing showing a transaction made with my wet signature just computer generated papers that anyone can print up on a computer. They need to be a full investigation against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX ( I believe operated by US Bank ) is completely shirking its responsibility.

1. I can not activate the card online. the system tells me to call the phone number.

2. I call the number and ( after a 60 minute wait ) I am told that I can not be helped until the card is registered online. I try day after day and still nothing.

3. The sticker on the card states that the card can be used in stores without being registered online. But the card was declined.

No way of accessing the funds on the card. I have the receipt from the market it was purchased

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 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I signed up for XXXX XXXX to get a little relief on my monthly insurance premiums. I was not informed that there would be any probationary period nor was I informed that cancelling during that probationary period would cause me to owe anything extra. 

If I was not informed that this could happen, it should not be on my credit report. I have asked the XXXX XXXX, Caine & Weiner to provide me proof and they could not provide any proof that I was notified of any probationary period at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
XXXX XXXX XXXX days late in XX/XX/XXXX, XXXX XXXX ad XXXX XXXX. 

XXXX XXXXXXXX XXXX  XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: OH

Complaint narrative:
Global lending services LLC committed fraud and violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I'm working on a cash-out refinance with my existing mortgage lender to perform a buyout following divorce. Since XX/XX/XXXX the loan application has been pending approval. The approval is granted upon acceptance of an appraisal. From that date until XXXX, despite repeated and regular requests from myself and promises from the lender, nothing happened. Not a single appointment or phone-call from any appraiser. Eventually, I requested that they use an appraiser I had previously used myself. They finally agreed to this and an appointment was scheduled for her to come to take measurements and pictures. This appointment took place 3 months and 9 days after the approval process began. 

The appraisal appears to have been delivered on XX/XX/XXXX. I have no way of knowing this because I am not permitted contact with anyone within the approval department. 

Since this date the appraisal has been sent back 4 times for adjustments. 

My home has been appraised, more than once, for an average of approx. 475,000. I am requesting a new loan of 290,000. This represents a loan-to-value ratio of 61 %. This is a very low risk loan. I have been a customer of that lender for 4 years. I have never missed a payment. My credit score is approximately XXXX. 

The last time the appraisal was sent back it was because the approval company requested a " comp '' with a house which backs onto a commercial lot as there is a car park behind my house. I live in a small city ( pop 135,000 ), close to the centre in a historic neighbourhood. This to say that comps are always difficult due to this situation and having such a specific requirement ( backing onto commercial lot ) makes it even harder. I also question the need. How could such a characteristic reduce the value of a property to the point at which the loan-to-value ratio becomes too high for the lender to be able to accept the risk? The appraiser did find a comp, but for a house sold 2 years ago. 

I thought this was finally resolved and that the loan would be approved, but no. Yesterday the lender sent another question. 24 hours later the appraiser still hasn't received anything and has no idea what the issue is. Nor do I. 

I was told 3 weeks ago that my issue has been escalated. I see no impact at all in the efforts of the lender to progress this application. 

I need this money to buy out my ex wife, who is now threatening court as I am beyond the court set deadline. She expects 2000 dollars to give me an extension until the end of XXXX. 

Taking 4 months to approval a low risk loan is beyond absurd and I would like this to be resolved as soon as possible.

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 2022-02-15 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: PA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: KS

Complaint narrative:
Someone opened a fraudulent PNC checking account using my name. On XX/XX/22 I called the bank to report fraud but could not find a good resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX while waiting for my sons XXXX  XXXX, I recieved a call from a number showing Wells Fargo Security and answered and advised that a XXXX XXXX with XXXX XXXX had processed XXXX through XXXX and asked if I had given permission. I advised no. He then identified himself as XXXX XXXX a 24hr fraud monitoring officer who would help me stop the process and put the money back into my account. He then sent a verification code and then walked me through how to block her transactions and put the money back into my account. He then gave me a case number and his badge number advising he would speak with me in 24 hrs. When it was getting close to 24hrs, I walked into my local branch of wells fargo and advised them, the manager told me that they were busy and to call online fraud that it had been less then 24 hrs and they would try to stop the transactions. I called and filed complaint for each transaction as there were 3. I recieved claims. On XX/XX/XXXX I recieved letters dated XX/XX/XXXX from wells fargo advising that the money had been sent as asked and the claims were considered closed. I called XX/XX/XXXX speaking to XXXX who advised me the letters were correct and it was not fraud but a scam. I then requested to speak to or escalate my claim. I was told I would be contacted in 24 hrs as claims do not get delayed. I called again on XX/XX/XXXX as I had heard nothing and spoke to XXXX who transferred me to XXXX who advised me that there is 2 days to acknowledge the claim and they have 10 days to respond. On XX/XX/XXXX spoke with XXXX who advised that ultimately no claim had been filed and closed out the Executive Claim and to call customer care service. XX/XX/XXXX I called back Executive Claim and spoke w/XXXX " XXXX XXXX who helped and placed me on hold but ultimately was dropped. I called back and spoke w/XXXX who then transferred me to customer care and I spoke w/XXXX who then transferred me to higher supervisor XXXX who ultimately told me that the case is closed and there is no recourse and she would not take another claim, she then transferred me to customer advocacy but was disconnected on after over an hour on hold. There is a pending meeting w/local branch manager on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation