vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
During Covid I missed monthly payment. The following month I was able to make a payment. The XXXX month after I was able to make a payment. The XXXX month after I made a double payment to make my mortgage current. The problem is that they did not apply my double payment on the day i made it and are reporting that I was more than 60 days late on a payment. I have called numerous times to resolve this issue and they basically refuse. I am looking to refinance and it is basically impossible if your payment history shows you have been more than 60 days late on a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Made an ATM debit purchase at XXXX store on XX/XX/11 against a checking account ending XXXX. I also have XXXX  XXXX  Chase Offer loaded ( see attached ) for XXXX store or online order. I even try calling the bank before making the purchase but they were closed due to the XXXX XXXX XXXX holiday to re-confirm what ones told I should use the ATM card to take advantage of the offer ( the offer does not say how to use it - write a check or used the card ). Still, nothing online to indicate I have fulfilled the offer, and my attempts to contact Chase failed : calling in won't transfer me to CSR unless I select to report ATM card lost /stolen, and communication through Message Center did not yield the results I expected ( see attached )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
wells fargo upon me calling the cpi administrator and being transfered to wells fargo hung up on me for no reason and never called me back the bank 2 times and the administrator 1 time. It was no question on purpose and thats wrong. I was asking for outside mitigation which they were just transferring me around to be jerks. I am really tired of this XXXX and wells fargo I am thinking with all the lies in the letters from them and them using the federal mail to have those lies sent to me. 
XXXX. Frauds and swindles. 

Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the XXXX XXXX XXXX Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. 
Maybe the post office needs to be brought into this. Seems a few more wells fargo folks need to go to the big house and 30 years is about right. Maybe you would sooner follow the agreements you made and do that with the others going thru the very same as I. There is a complaint form online and I shared this idea and one more so keep treating us like the trash you are wells fargo.. I demand you follow the letter of the law and start acting like a adult and not some type of clan of thieves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Date open XXXX/XXXX/2020 Amount {$1300.00} Experian. 

This account is incorrect and without authorized. After investigating the other two credit company have been deleted this account. But unfortunately Experian has no action with it after I called twice to dispute it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
In applying to refinance I learned that my current mortgage is not reported on my credit report - unable to refinance since I do not have a current loan. 

I contacted Shellpoint Mortgage Servicing on XX/XX/XXXX2020 and spoke with a XXXX who took a report of the issue. 

Shellpoint was contacted on XXXX to follow up and they informed me that the issue was " fixed '' on XX/XX/XXXX The loan still was not reflected on my credit file, so on XX/XX/XXXX I spoke with XXXX XXXX at Shellpoint. She informed me that the issue was reviewed but it would take time for a full resolution and that it should be resolved in two weeks. 

XX/XX/XXXX I spoke with XXXX XXXX of Shellpoint who escalated the matter to a supervisor. Both XXXX XXXX and the supervisor opened up tickets with the " credit manager '' and I was told it should be resolved in 72-hours. 

XXXX the loan was still not reported, contacted Shellpoint and asked XXXX XXXX to connect me with the " Credit Manager '' there is no such person and the call was referred to a supervisor, XXXX. XXXX advised me to send the complaint in writing. The complaint was sent via US Mail, Certified Mail and eMail ( received by Shellpoint on XXXX ). 

Several transactions are being held up by this companys incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony called me at XXXX XXXX this morning. Theyve been advised not to contact my phone numbers at all if Im a day late two days late or weekly. Theyve been advised not to contact me by this phone number and they continue to break the law against my rights of telling them not to contact me by phone. This company needs to be held accountable for their actions against the federal government. I have rights as a consumer and they are violating my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: CT

Complaint narrative:
Attempted to obtain SECURED credit card to establish credit. 
Applied for card which requires {$300.00} deposit to obtain card. 

I was declined the card because : " Your debt to income ratio exceeds established maximum guidelines ''. 

With a SECURED card my income to my understanding should not come into this at all. 

I have student loans which are in deferment and HAD an outstanding cable bill of {$110.00} which I resolved XXXX 2020. 

I called the company ELAN FINANCIAL SERVS. asking for reconsideration and was refused. The individual I spoke with would not clarify why I was refused. 

The letter I received from them dated, XXXX/XXXX/2020 has a reference # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To whom it may concern : I purchased a XXXX Laptop computer and software package on or about XXXX XX/XX/2020 with a XXXX Representative, XXXX XXXX. Because of the Long wait in receiving this Product, I cancelled the order approximately a week later. XXXX however mailed this referenced item anyway and I physically received it about XXXX XX/XX/2020 and subsequently returned the Laptop to XXXX approximately a week later. 

XXXX notified me via email ( s ) and phone conversations that they received back Order XXXX on XXXX XX/XX/2020 and that they-XXXX notified Chase/Visa of my Return and XXXX XXXX Authorization to Refund-Credit back to my Chase Freedom Credit Card for the XXXX XXXX XXXX XXXX and XXXX XXXX cent transaction, this referenced Laptop.XXXX is Purposely Delaying and Stalling Crediting my Chase Freedom Account for the {$750.00}. 

After returning from a trip out the country from XXXX XX/XX/2020, I communicated with Chase about resolution to this Transaction/Claim ID : XXXX and was notified that they/Chase closed this Claim. Within a couple weeks, I requested that this Claim be properly reopened and resolved. 

I'd sent an Email Voucher Document from XXXX to Chase showing that XXXX received their Product Months ago and had authorized Credit for {$750.00} back towards my Chase Freedom Credit Card!! I would appreciate Swift, Final, Correct Resolution ( Credit of {$750.00} to my account ) of this Claim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment in XX/XX/2016 for 30 days late on account ending in XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report and as You can see on my report all of my other payments was on time. Please delete that late payment off my credit report or provide me with proves that the payment was made late on XX/XX/2016 as my bank record show it was made in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, I discovered that someone has an account with Kohl 's Dept store using my SSN. It appears to be a clerical error rather than fraud. I have called Kohl 's 5 times and sent them a letter via registered mail ( signed for on XX/XX/16 ) with my address, phone #, email and copies of my SS card, Kohl 's card, and social security statement with my date of birth and SSN and have received no response. My account was closed in 2016 and apparently purged from their system. Every time I call, they can find no record of my account and no record of my previous calls and they add more of my personal info to her account. In XXXX, I received a copy of her statement containing her entire account # and 2 letters regarding disputed charges, addressed to her at my address. I last spoke with supervisor XXXX # XXXX in the fraud dept on XXXX. He told me that they can not respond to my complaints since I do not have an account in their system. He looked up her account using the info that I gave him and assured me that all of my info had been removed from her account and I should have no further problems ... but was surprised to hear that the Florida address still in her account was mine, not hers. ( She lives in XXXX, WI. ) He told me that Kohl 's can not remove my info from her account unless she requests it, even though she did not put it there ... Kohl 's did. After this phone call, I received an email addressed to her at my email address containing her rewards ID and PIN ( XXXX ) and coupons addressed to her at my Florida home address. They have breached her privacy and mine and are not interested in correcting it! 
I have documentation supporting all my claims. The instructions on the website said not to send personal info unless requested by you, but steps 4 and 5 ask for info. 
Her name is XXXX XXXX, account # XXXX XXXX XXXX. As I said, Kohl 's has no record of my account and will probably not be able to find any record of my complaints if you give them only my acct #. You may need to have them look it up by her acct #.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
citibank closed my checking giving no reason called repeatedly said i had to wait for a letter there is almost {$18000.00} in the account action started XX/XX/2020 was told letter wont be issued till XXXX XXXX and then will get letter and take it from there no fraud no problems

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: GA

Complaint narrative:
FTC Confirmed Identity theft items confirmed as ID theft by creditor are still being reported by Experian even though multiple 605b block request were received. XXXX and XXXX have complied, but Experian continues to report fraudulent items and refuses to investigate. 

FCRA 605B only allows for credit bureaus to deny a 605b block for " reasonable '' assessment of the request. Considering that the identity theft has been confirmed by law enforcement and the negative items were removed by both XXXX and XXXX. Experian is clearly in violation of FCRA section 605b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I was sent a credit card opened in my name for Wyndham Rewards that I did not apply for. I called the company back and informed them I did not open a credit card account with them and they needed to close the account. I cut up the card and sent it back to them. I continued receiving bills for {$0.00} balance on that card and the account is still open. I contacted them again XX/XX/20 and was on the phone for several hours only to just get the run around and they claim that account does not exist for my birth date. Someone in the Wyndham company is getting cards using some of their members information that attend their meetings during their vacation. This is a corrupt business and it should be stopped and all of the employees need to go to jail and pay restitution to all of its members that have been held hostage to their contract only to find out that their personal information is being traded and compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
Fraudulent law office threatened a law suit and wage garnishment for credit card debt. The law group called themselves XXXX XXXX XXXX. The transaction that collected the payment shows as XXXX XXXX, XXXX. They reportedly called as the debt collection agency for XXXX XXXX.

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 2020-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
This letter is sent in response to collection that was placed on my account and that has inaccurate information. I am requesting that you provide verification of this debt. As I have proves that this account was settled with the previous collection agency and then sold to you and if I believe that is against the law. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent and a written explanation why it was sold to you from XXXX collection agency. What you provided in the previous dispute was just a bill which doesnt prove anything. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
By law you are required to provide me with all the information requested if you can not do so you will have to delete this from my credit history. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2018 - late payment submitted due to login issues. This is the only late payment on this account and I have tried to work with creditor several times to have this removed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I HAVE A SERIES OF ISSUES WITH THESE ACCOUNTS. I HAVE A CABLE BILL THAT IVE NEVER SIGNED UP FOR. HOWEVER I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A MEDICAL BILL THAT SHOULDVE BEEN COVERED BY XXXX, BUT INSTEAD THE BUREAS DECIDE TO PUT THIS ON MY CREDIT ACCOUNT WITHOUT CHECKING IF I WAS COVERED BY ANY TYPE OF INSURANCE. THEY HAVE NEVER REACHED OUT TO ME OR SENT ME ANY MAIL STATING I OWED THIS BILL. I CONTACTED THE CREDITORS ABOUT THIS INACCURATE MEDICAL BILL AT XXXX AND THE REP WAS VERY UNPROFESSIONAL AND EVEN MADE JOKES. I AM BUILDING UP MY BUSINESS AND THESE FRAUDULENT AND INACCURATE ACCOUNTS ARE CAUSING ME A LOT OF DISTRESS.REMOVE THESE INACCURATE ACCOUNTS OR I WILL HAVE TO ESCALATE TO THE NEXT LEVEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2018 - late payment submitted due to login issues. This is the only late payment on this account and I have tried to work with creditor several times to have this removed to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: NY

Complaint narrative:
There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation

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