vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XX/XX/2021 To : Wells Fargo XXXX Complaints Management Office Wells Fargo Credit Card Customer Service Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX Cc : Federal Reserve Consumer Help XXXX XXXX XXXX XXXX MN XXXX Re : Bank-originated, invalid charges on my credit card Wells Fargo XXXX Visa account XXXX Wells Fargo case number : XXXX Wells Fargo complaint ID # XXXX - XXXX XXXX XXXX Dear Representative, I am writing to seek assistance with false, bank-originated charges that Wells Fargo has placed on my afore-referenced credit card account, and which heretofore Wells Fargo has been unwilling or unable to correct . 

I telephoned the bank on XX/XX/XXXX and spoke to a representative who referred me to a customer advocacy group at XXXX. I spoke to an escalation representative named XXXX who was sympathetic but unable to help. 

The story from the Wells Fargo representatives is that : 1 ) I performed electronic payments from my checking account XXXX to my credit card account XXXX on many occasions. 
2 ) On a few of those occasions, Wells Fargo applied an incorrect Transaction Date 3 ) To correct the transaction date, Wells Fargo is reversing the credit However, Wells Fargo is reversing my payment, but not reapplying the payment with the correct transaction date. This results in Wells Fargo debiting my checking account, but not applying the corresponding amount to my credit card. Effectively, Wells Fargo is misappropriating funds from me by debiting my checking account but not crediting my credit card account. 

The following charges on my credit card account XXXX represent invalid reversals of legitimate payments out of my checking account. 

Transaction date, Posting date, Amount, Description XX/XX/2021, XX/XX/2021, {$46.00}, Online Payment XX/XX/2021, XX/XX/2021, {$160.00}, Online Payment XX/XX/2021, XX/XX/2021, {$80.00}, Online Payment XX/XX/2021, XX/XX/2021, {$100.00}, Online Payment XX/XX/2021, XX/XX/2021, {$510.00}, Bank Adjustment Total to date : {$890.00} So at this time, there are just under {$900.00} of invalid bank-originated charges on my credit card account, and I have been unable so far to get this corrected. 

Assistance would be greatly appreciated. 

Sincerely XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
They did not send me my full escrow balance after I refinanced, they literally sent me a check for XXXX bucks, when I had {$5000.00} in my escrow account. According to my Amerihome account, they sent me the full escrow, which they did not. Secondly, they deducted a {$200.00} mortgage premium payment AFTER the loan was paid off. So, they actually owe me {$5200.00}, because they already deducted XXXX premium in XXXX and the mortgage premium for XXXX was already paid at closing. Of course, they don't even have anyone I can speak with regarding this matter, their reps insist that I send an email, which I did, however they literally take 30 days to respond to them. Therefore, it will be quicker for me to take this up in small claims court, which I will do if this full check in not in my possession by the end of this week. I have uploaded a screenshot of my escrow balance, as well as the check they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a Citi AA card because of the promotional offer and because the advertising said that I could use the card immediately if approved. My card was approved but they wouldnt provide me with the temporary card number to book a flight. I called Citi and they said I have to wait 2 weeks for the card, by which time the flight price will have increased. This was clearly false advertising.

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 2021-10-02 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: CITIBANK, N.A.
State: OK

Complaint narrative:
XX/XX/XXXX-Received Citi Card in mail which I had not applied for. The other authorized user was someone I had never heard of. I called Citi Card Fraud Dept, they cancelled the card and will be sending me a fraud affidavit in the mail.

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 2021-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I will attach a letter further detailing what went on, but basically, I bought a new car, the dealer never terminated the insurance with the old car, my new insurance guy said to ignore it as it will automatically be taken care of. I did that. Then months later I was informed the bill, which I don't owe, was sent to a credit collection agency and they've put the false debt on my credit report, thus damaging my credit. 

This is the 2nd time XXXX has screwed me over which is why I'm taking this issue to you after having a 2nd effort with the XXXX to resolve this new issue unsuccesssfully. 

I have provided ample proof I do not owe this debt and resources for them to call to verify which they have chosen not to do. I do not owe this debt and want it off my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: FL

Complaint narrative:
Based on the credit bureaus when I was XXXX years old I had a charge-off with XXXX XXXX XXXX XXXX XXXX XXXX This is impossible because I was XXXX years old and not aware of any possible debt. They stated that someone used the card for a gas charge but at the age of XXXX, I did not have a car? They also did not ask me to dispute the charge at the time of the debt. Someone used my card and charged it and I had to pay for it. This is illegal because if a debt is not the consumers then it must be disputed. I have paid the debt only because it was hurting my credit profile. At XXXX years old I was not allowed to have a bank card, so how did I make the debt? I have contacted the credit bureaus and the company countless times with no results. I have been in contact with them since XX/XX/XXXX. They have not provided me any details of verification or validation of this debt. I would like this removed from my credit reports immediately due to the negative impact that it has on my credit. XXXX stated that they removed it due to these circumstances however Transunion and XXXX have not responded to my dispute at all. I would like this removed from my account. This account has held me back countless times and It has caused me major XXXX. This charge was not me.

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 2021-10-02 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
XXXX credit bureau is following the Fair Credit Reporting Act by Reporting incorrect information about Medical data systems inc, I have documentation showing agreement made between me and XXXX XXXX XXXX at the Medical data systems inc company.

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 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX  XXXX has Illegally sold my account to credit control both breaking the HIPPA LAW. I am protected Under the HIPPA LAW as a patient. Credit control has accessed my social security number my address phone numbers, has threatened my job and has access to my medical records, this company knew EVERYTHING I was treated for. That was private information! I have filed a complaint with the HIPPA law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: FL

Complaint narrative:
Based on the credit bureaus when I was XXXX years old I had a charge-off with XXXX XXXX XXXX XXXX XXXX XXXX This is impossible because I was XXXX years old and not aware of any possible debt. They stated that someone used the card for a gas charge but at the age of XXXX, I did not have a car? They also did not ask me to dispute the charge at the time of the debt. Someone used my card and charged it and I had to pay for it. This is illegal because if a debt is not the consumers then it must be disputed. I have paid the debt only because it was hurting my credit profile. At XXXX years old I was not allowed to have a bank card, so how did I make the debt? I have contacted the credit bureaus and the company countless times with no results. I have been in contact with them since XX/XX/XXXX. They have not provided me any details of verification or validation of this debt. I would like this removed from my credit reports immediately due to the negative impact that it has on my credit. XXXX stated that they removed it due to these circumstances however XXXX and Equifax have not responded to my dispute at all. I would like this removed from my account. This account has held me back countless times and It has caused me major XXXX. This charge was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America date : XX/XX/2021 XXXX XXXX XXXX branch XXXX XXXX XXXX XXXX CA I deposited about XXXX USD into the ATM, but the machine showed an error and returned nothing, printed out a receipt to let me call a number which no one answered.

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 2021-10-02 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: National Consumer Telecom & Utilities Exchange, Inc.
State: GA

Complaint narrative:
I contacted XXXX PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize XXXX XXXX XXXX - NCTUE or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: LEXISNEXIS
State: GA

Complaint narrative:
I contacted LexisNexis PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize LexisNexis, or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution. 

I would like to have my entire credit file REMOVED from LexisNexis data institution

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: VW Credit
State: MO

Complaint narrative:
On XX/XX/XXXX Volkswagen Credit INC has reported a account as a Charge Off and the status of the account was closed. However they have continued to report as a charge off for the entire year, Until XX/XX/XXXX on XXXX and XXXX and now they have changed the status to currently open as of XX/XX/XXXX on XXXX. This has affected my credit negatively because from my understanding a charge off account should not include any active payment history. This is a manipulation of the statue of limitation. Please remove this account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I contacted SageStream PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize Sagestream, or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account was created fraudulent. And this is not my name nor does this account belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: CT

Complaint narrative:
I have been getting emails over the last several days ( XXXX - XXXX ) asking me to activate an account that I have never asked for at Chime Bank . When I called them, they kept on asking me for my personal information. They have an account associated with my phone #. When I refused to give them my information, they said there was nothing they could do. They have been hacked twice in the last two years. I will not give them my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On today 's date XXXX the XXXX XXXX at XXXX XXXX  XXXX time, I made a payment yesterday for the monthly payment four PayPal credit. Then I get mixed messages from PayPal credit I see on the website where I made the payment and it went through on the XX/XX/XXXX. Then I was sent a email saying that the payment was returned on the day after XX/XX/XXXX. I called the number on the form. This tactic is what I call the " phone hiccups ''. Example : I put my phone on speaker in the ultimate prompt will ask me questions. The problem is it'll have asked me a question not giving me time to answer and say " Say that again ''. That's what I call a hiccup in their phone system. The last time I did that was last week. After having trouble connecting it should get me to a regular real person. This time it will hiccup and hiccup and hiccup and then say goodbye. This is a tactic to frustrate the customer. This is after XXXX minutes on hold some answer, not say a word then end call. All on a weekend. I will send you the e-mail with 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 monetary relief
Consumer complaint received 2021-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On three occasions I have requested credit increases or inquiries and both agencies below continue to report information wrong. My first issue was with XXXX in which XXXX XXXX reported derogatory or public record. For over a year I tried to get a XXXX card until i finally disputed with them, they sent sent two reports that showed no derogatory record, within a week XXXX issued my new card. 

Now XXXX XXXX has sent me a denial showing Equifax as the consumer reporting agency. As i type this my current score on their own web page is XXXX yet they report XXXX to XXXX XXXX they also show derogatory public record which is linked directly to XXXX XXXX. 

Both companies have been advised on two occasions about the lack of reporting accuracy. I am requesting that the CFPB please get involved, I run a small business and this greatly effects me and does not seem to stop. 

Request for credit requested XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2021, I paid off my entire Chase XXXX Credit card. The next month I received a bill for the interest due on the previous month 's balance which was {$77.00}. I made a payment of {$60.00}. I was told today that the payment I later made in XXXX of {$50.00} was insufficient and that I should have paid the amount of the interest which was {$77.00}. When I called today to find out why the minimum amount due on such a small balance of about {$200.00} was so high ( {$77.00} ), I was informed that the entire amount of the interest was the minimum amount due. 

I feel this is a deceptive practice. I had paid off my entire balance in XXXX of several thousands of dollars. The entire amount of the interest should not have been the minimum amount due in the next month. This I feel is a form of retribution for me paying off an extremely high credit card balance with extremely high interest being charged each month when I had requested a lower interest rate given the fact that I had been a long-time customer of Chase Bank . Due to their data breach my personal data has been exposed to the " dark web '' ; one would think they would have a bit more compassion for their customers instead of demanding a scam-like minimum payment. 

On top of everything, when I called Chase Bank today around XXXX pm XXXX, and requested a supervisor, I was met with a very disrespectful attitude by a representative named " XXXX '' who was quite condescending in reference to my questions. When I asked to speak to his supervisor he told me there was no other representative XXXX asked the name of his supervisor he informed me that his name was " XXXX '', no last name. 

XXXX needs to make amends for exposing customers data to the dark web but instead it charges us exorbitant interest which, to me, is bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: CA

Complaint narrative:
I sent validation letters to the following three Credit Reporting Agencies ( CRA ) : XXXX, XXXX and Transunion. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.

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