vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have been in a battle with Wells Fargo and an on going problem with fraud several since all these data breaches and all these hacks of major companies have surfaced to the public. And I have lost a lot of money and haven't been able to get it back. I have had someone take out almost {$3500.00} out of my account in the past month. I was saving all my tax refund since I didn't get any of the unemployment I was approved for. I don't know if you guys help with that too? I have a major problem there as well, but my tax refund, has basically been taken out and when I got to file a fraud claim, they are trying to close my account then they won't have anything to take responsibility for and I'll just be screwed like I am now. I went to Wells Fargo because of the backing and promise they had to there customer 's. But since the things I've been through, seeing the executive 's being involved in fraud, closing accounts when trying to get problems resolved, they are making the name I had heard from other 's but didn't listen too. I just need help getting back the money that's was there.

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 2021-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
My car loan was included in a bankruptcy that was dismissed on or around XX/XX/2021. Consumer Portfolio services contacted me that we to ask me what I planned to do. At that point, I had planned to refile bankruptcy however based on y calculations, I would be better off trying to pay off the loan. During the conversation with CPS, I requested an amount due however they were unable to provide that ( They called me to ask me what I planned to do-pay off or re-file ) yet could not provide a balance. I waited a couple of weeks to try and come up with some money to save the vehicle. I called CPS, asked for a Pay off however they said that the pay off/audit was not ready. I called the following day same thing. Finally, XXXX XXXX tells me I owed a little less than XXXX XXXX dollars. Since the bankruptcy case was dismissed I knew I no longer had protection so I asked him what would be the amount to bring the loan current. He stated XXXX dollars would bring the loan current. I asked him to send this to me in writing he claimed he would be emailing me but he never did. I paid this on XX/XX/2021 without an email because I am sure they would come after the car claiming I did not pay. I called back to inform them I paid and asked for a pay off the claimed they have to conduct another audit now that I made a payment ( they never completed a first audit ). At this point I am paying them money blindly as they have deactivated my ability to see any history on the account. In addition they have disabled my ability to use their CHAT option as I requested an audit through online chat. They responded saying I would get it in a few days and that never happened. I am trying to pay off the loan with an accurate amount due with no hidden fees or erroneous charges. I realize the lender will attempt to collect every dime they can but it I am asking for a pay off why am i receiving three different amounts. They reported XXXX to the credit bureau, when I call they automated line its says XXXX when I spoke with XXXX XXXX he said close to XXXX. I am not receiving any monthly statements so at this point I feel like they are giving me a run around to collect monies from me, bankruptcy and to come get the car which is now close to 9 years old. They are always in collection mode so even when you call to get a balance the tone you receive is " we want our money '' -not a problem but please correct your systems and provide accurate information. I have supporting documentation from this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: CT

Complaint narrative:
PRA is alleging I owe Them a debt. I have no agreement nor do I have a contract with my consent to have them share my personal consumer information. PRA is causing Injury to my persons and hindering me from my pursuit yo happiness. PRA is in violation of the FDCPA and XXXX. They are also in violation of chapter 41, title 15 of the u.s codes. I demand my protected rights be honored. This company is Infringing on my right to privacy and consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IN

Complaint narrative:
I tried to talk to company and explain its not my debt in XXXX or XXXX when it appears on my XXXX XXXX  report. Even XXXX  XXXX  ( XXXX XXXX and XXXX ) disputed at that time. I am not Sure how it appear on XXXX  after I sign up for it month ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have American Express XXXX XXXX XXXX card which has some issues. My XXXX is not working for past 4 months. When I try to reset the password, it ask for this American express card details. Card details are never considered correct by XXXX. For last 4 months - I have completely wasted 10+ hours with XXXX  XXXX It seems American express sent me a replacement card and XXXX is stuck with the old American express card which American express can not send it to me. 

While this XXXX  XXXX  is stuck - XXXX  started charging me some XXXX XXXX subscription of monthly charge {$5.00}. Any time i reach out to apple- they simply stated that i need XXXX  XXXX  ... for which i need right American express card which American express is not helping by providing the old card. 

So i am into a endless circle with XXXX and American express. 
In the meanwhile apple started charging me XXXX XXXX  charges for which i opened the dispute with American express also. I asked American express to block XXXX for ever ... when they read the terms and conditions for that - it seems customers can not do that and those terms and conditions are very much in the favor of merchant. 

I asked American express to send me the terms and conditions but they stated they won't. Please refer phone call from me to American express on XXXX XX/XX/2021 at XXXX XXXX  with XXXX having ID XXXX Complains with FCC.gov and California attorney general 's office is already opened multiple times about this ongoing issue which is going on for more than 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021, I transferred {$28000.00} from my Bank of America 's checking account to another Bank of America account ( XXXX  XXXX  XXXX  ), not knowing it was a scam call until the next day on XX/XX/2021. Bank of America failed to respond and retrieve my money back from the scammers on time despite the fact that I reported it the next day. It took them 4 days to send me a Scam Victim Acknowledgement form, which took place on XX/XX/2021. I signed and faxed it back to them on the same day. Then they responded back 8 days later on XX/XX/XXXX to tell me that they were not able to recover my funds. I filed a police report on XX/XX/XXXX as well and the XXXX is waiting for Bank of America to respond to the summon/subpoena.

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 2021-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
While preparing for vacation, I reserved a room at XXXX by XXXX XXXX XXXX, MO XXXX. As our vacation drew near, we discovered that XXXX XXXX, MO was experiencing flooding in the downtown area, so we canceled that reservation and decided we would stay there on our return trip home. This was XX/XX/2021. Immediately upon cancellation, Bank of America billed us {$120.00} for the reservation. This should not have happened, as I had canceled 4 days in advance of the stay. I contacted Bank of America, and they removed the charge from my account on XX/XX/2021. We proceeded with our vacation and stayed at XXXX by XXXX XXXX XXXX, MO Downtown on XX/XX/2021 for which we were billed {$280.00}. This charge was legitimate. Later, on XX/XX/2021, I found that Bank of America had reinstated the charge of {$120.00} to my account stating that an authorized user of my account had made the charge. This is not correct. I contacted XXXX  by XXXX XXXX XXXX, MO XXXX and they said that they had not billed me or received payment for XX/XX/2021. I contacted XXXX XXXX headquarters and they also stated that they did not charge me nor had they received any payment for XX/XX/2021. I have called Bank of America about this charge on 3 occasions. I have also written two letters to Bank of America. They tell me that they are still investigating the claim. It is now XX/XX/2021. This dispute should have been resolved long ago. I want my account credited {$120.00}. I do not know who Bank of America gave my money to since XXXX says they received no payment, but I want Bank of America to give it 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 explanation
Consumer complaint received 2021-10-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I issued a charge dispute with my bank and credit card company, TD Bank. The purchase was a washer/dryer set, purchased on XX/XX/XXXX with XXXX XXXX  XXXX XXXX XXXX XXXX PA XXXX Cost was {$1000.00}. The set was installed on XX/XX/XXXX and the dryer did not work. We tried multiple times to resolve with the seller and after the seller stopped returning our calls, and failed to show up for a repair, I filed a dispute with TD Bank on XX/XX/XXXX. I was told by TD Bank I would have a written notice of the dispute in 30 days, and resolution within 90 days. I have received neither. It is important to note I called TD Bank frequently to get updates since the dispute was filed. Since the 90 days was up, I called XX/XX/XXXX and asked to speak with a manager since there was no update and I was promised a return call. I received no return call. I called again XX/XX/XXXX and made the same request. I received a voicemail message on XX/XX/XXXX and I called back same day XX/XX/XXXX and was told the investigator had additional questions. The questions were repeats of the original dispute I filed. It seemed to be a delay tactic or they did not read the dispute records. 
TD Bank has failed to follow dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ) and I want resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: PA

Complaint narrative:
I submitted multiple disputes and an FTC report for a fraudulent credit card account and hard inquiries reporting to my credit. They have not been deleted. 

Account : XXXX - XXXX Card {$2300.00} XXXX - XXXX Card {$2300.00} Experian - XXXX XXXX  {$2300.00} Inquiries : XXXX - XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-10-16 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX and I am a victim of identity theft. 
there are accounts on my credit report that are not mine

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 2021-10-16 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX and I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted multiple disputes and an FTC report for a fraudulent credit card account and hard inquiries reporting to my credit. They have not been deleted. 

Account : Transunion - XXXX XXXX  {$2300.00} XXXX - XXXX Card {$2300.00} XXXX - XXXX XXXX  {$2300.00} Inquiries : Transunion - XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX  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
Consumer complaint received 2021-10-16 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: PA

Complaint narrative:
I submitted multiple disputes and an FTC report for a fraudulent credit card account and hard inquiries reporting to my credit. They have not been deleted. 

Account : XXXX - XXXX XXXX  {$2300.00} Equifax - XXXX XXXX  {$2300.00} XXXX - XXXX XXXX  {$2300.00} Inquiries : XXXX - XXXX XX/XX/XXXX XXXX  FA XX/XX/XXXX TXXXX FA XX/XX/XXXX Equifax - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: TN

Complaint narrative:
Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Account Name : XXXX  XXXX  Account Number : XXXX Balance : {$230.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$320.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this account with the credit bureaus since XX/XX/2021, I have sent my first letter to the bureaus on XX/XX/2021 to be exact.. and they still haven't made a resolution to this problem. I am disputing these accounts because I do see some information that is reporting inconsistently. I believe it is my right as a consumer to ask for validation, correction, or deletion of these items if they are being reported erroneously. 

I have attached my evidence that the CRAs are confirming that the information that was there was wrong however they're not willing to budge in the rest of the detail and I feel that I'm highly compromised and therefore I'm needing for them to take action or make a speedy resolution on this because I need to be able to access my credit and this is actually hurting me more than it's doing me good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX born XX/XX/1949 and I am a victim of identity theft.

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 2021-10-16 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: LEXISNEXIS
State: GA

Complaint narrative:
I sent a letter to Lexis Nexis because they are reporting inaccurate and unverifiable information on my report. They completely ignored my request. I then contacted them via telephone which is also a hassle because they always have to call me back. I then received a call from one of their representatives who stated that they verified a bankruptcy with the US Bankruptcy of XXXX XXXX  XXXX. I previously contacted the courthouse, spoke to XXXX XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to anyone, Lexis Nexis. 
I demand that they delete this bankruptcy from my report immediately and delete it from the credit reporting agencies. 

Account : US Bankruptcy Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Card Services TD XXXX card was cancelled in XXXX. The card also expired in XXXX. On XX/XX/XXXX, a vendor was allowed to force through a charge for a subscription renewal in the amount of {$24.00}. 

If the vendor wishes to receive payment, the vendor must request new payment information. If a card is cancelled AND expired, a credit card can not be billed for services that have yet to be rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN

Complaint narrative:
They agreed to adjust my mortgage for 3 months so it will balance from foreclosure. Starting in XXXX. The amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Account Name : XXXX  XXXX  Account Number : XXXX Balance : {$230.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$320.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have disputed this account with the credit bureaus since XX/XX/2021, I have sent my first letter to the bureaus on XX/XX/2021 to be exact.. and they still haven't made a resolution to this problem. I am disputing these accounts because I do see some information that is reporting inconsistently. I believe it is my right as a consumer to ask for validation, correction, or deletion of these items if they are being reported erroneously. 

I have attached my evidence that the CRAs are confirming that the information that was there was wrong however they're not willing to budge in the rest of the detail and I feel that I'm highly compromised and therefore I'm needing for them to take action or make a speedy resolution on this because I need to be able to access my credit and this is actually hurting me more than it's doing me good.

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