vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/2021, we purchased XXXX XXXX. On XX/XX/2021, we were locked out of the account, and could no longer access XXXX XXXX. We attempted to reach XXXX XXXX, but were met with a firewall explaining that we have violated the terms of service. 
On XX/XX/2021 we contacted the Wells Fargo XXXX XXXX XXXX customer service, we told them that our XXXX XXXX  account had been suspended. We stated that any charges going forward from XXXX XXXX would be unauthorized by us, as we were not able to access the product that we had purchased. 
On XX/XX/2021, we were charged the {$69.00}, again for XXXX XXXX, but still not able to access the subscription. We made repeated attempts to reach XXXX XXXX to settle the matter. 
On XX/XX/2021, after repeated attempts to reach XXXX XXXX to no avail we contacted Wells Fargo XXXX XXXX XXXX customer service to dispute the unauthorized charge. 
On XX/XX/2021, we were charged again for the service that we have explained twice already, the situation. 
Minutes after I got off the phone with Wells Fargo customer service, they did not reimburse me for charges, but they charged me for the past months. This is concerning because each time I attempt to contact the company I am transferred several times to people where I was made to repeat my address, telephone number, social security number, etc. The last time I contacted them, I was transferred 12 times - each time I had to repeat my personal information. 
I specifically closed my credit card because they were not stopping the unauthorized charges, knowing that my credit score would take a hit. 
We were charged {$69.00} twice after telling Wells Fargo customer service that any charges going forward would be unauthorized. 
I was never sent any confirmation or mail for any of these disputes that I have filed, despite them telling me that I was sent a resolution letter. I asked twice for a copy of the resolution letter, and have still not received it to this day.

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 2021-05-27 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This will be my second time submitting compliance against Chase cards with you guys, thx for solving problem last month on my XXXXXXXX chase account, this time ... it will be the XXXX XXXX XXXX card I choose to terminate with Chase ... still..my inquiry involved remaining benefits I earned and to be kept with me as ALL my airlines credit card..XXXX  of last year I opened this account and earned XXXX XXXX XXXX XXXX XXXX  ... when arriving to XXXX XXXX at XXXX XXXX XX/XX/21 I discovered no amenities were due to Covid ... only XXXX never informed me with those limitations ... when I asked my pass to be reinstated they refused and climbed it was used already ... .not only I didnt use that really in a full way its should be ... I did understand and gave them chance to have me returned when full service will be offered ( all my other airlines did offer full hot food even at Covid time/2 month ago and even asked me if I wanted credit for next visit as food was not to 100 percent as usual/ XXXX card XXXX  and my XXXX from XXXX XXXX this bank as well terminated my second pass that was NEVER used and was good till XXXX of this year after for SURE they made me complete amount of spending with that credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: AZ

Complaint narrative:
Two fraud charges made on a Bank of America credit card were initially reversed and then later charged back to me by the bank. The two fraudulent charges were made onXX/XX/XXXXfor the amounts of {$270.00} and XXXX. When the fraudulent charges were discovered by me, Bank of America was called immediately and the card was deactivated. Bank of America never did their due diligence to notify me of the unusually large amounts charged to my account and never protected my account. Subsequently, I have made two phone calls to the bank 's fraud department on XX/XX/XXXXand XX/XX/XXXX re-stating my case of fraudulent activity. To date, no action by Bank of America has been taken to reverse the fraudulent charges. This impacts my ability to use the card since my maximum limit is {$800.00} and impacts my credit score for having a high percentage of card utilization for fraudulent charges.

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 2021-05-27 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: GA

Complaint narrative:
loans forgiven, yet there still showing as reported XXXX ... XXXX will not remove, keeps ne at lower score and negative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
I had a lease with GM Financial from XX/XX/XXXX until XX/XX/XXXX. I made every payment on time with auto pay and never had any issues. I returned the vehicle to the dealership in XXXX of XXXX and double checked GM Financial 's website to ensure that my last payment had been made. I regularly check my XXXX credit score through a couple of apps and everything was normal just recently, my score dipped from XXXX to XXXX unexpectedly. It showed that I had a missed payment, but for the life of me I couldn't fathom what had been missed. I got in touch with a friend who told me about XXXX XXXX XXXX and later this website ) as a way of tracking my credit more directly and getting some answers. It turns out that GM Financial had assessed me with end of lease fees in the amount of XXXX and never notified me. The dealership never said a word, and I had absolutely no idea that these fees were owed. Upon discovering this ( maybe 20 or 30 minutes ago ), XXXX, I immediately logged into the GM Financial website and paid the amount. I asked if they'd be able to help me out and remove this from my credit rating since I've never had any issues in the past and I was literally unaware of the fees, and they said that my only option was to contact the credit bureau 's directly and hope for the best. I'm happy to supply further information as needed, this whole experience has been frustrating, scary, and completely unexpected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
loans forgiven, yet there still showing as reported XXXX ... TRANSUNION will not remove, keeps ne at lower score and negative

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 2021-05-27 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
loans forgiven, yet there still showing as reported XXXX  ... XXXX will not remove, keeps ne at lower score and negative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and XXXX do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and SBI do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and SBI do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help

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 2021-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Comenity BankXXXX XXXX closed my account XX/XX/XXXX for no reason I paid from XXXX to XXXX with no late payments. as to all 3 of my credit bureau reports. 
Closing my account caused impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have an auto loan with Santander USA and currently waiting for a total loss insurance check to be applied to my account in the amount of {$10000.00}. Since the origination of the loan in XX/XX/XXXX I have never had a missed or late payment. My last statement from Santander USA dated XX/XX/XXXX listed the total amount outstanding as {$13000.00}, the status of my account was current, {$0.00} past due. 

On inquiring via the Santander website XXXX if the insurance check had been applied to my account I instantly noted that my account shows past due in the amount of {$1200.00} which includes late and interest charges and shows the last payment being received/posted to my account on XX/XX/XXXX, XXXX. My Account transaction history clearly shows payments of {$440.00} made and posted on XXXX and XX/XX/XXXX. The transaction history also shows 2 seperate transactions dated XX/XX/XXXX removing/reversing 2 payments of {$440.00} and the balance owed on my account as of XXXX is {$13000.00} Santander USA 's explanation is that both payments have been removed so that the insurance check can be backdated to XX/XX/XXXX ( date of total loss ) and the payments will be reapplied. I have never heard of an accounting practice that would require payments physically posted to an account to be removed to retroactively apply {$10000.00} insurance check. This action has effectively places my account into a delinquent status until some future date when Santander USA decides to post the insurance check. Addtionally, Satanders action falsely records my account as delinquent and I am truely concerned this will have a derogatory impact on my credit status with credit bureaus. I strongly believe this action is unethical at best and fraudlent at worst. I can only see the reasoning to remove posted payments to manipulate the true balance of my account for Santander to charge the maximum interest it can recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I had a Covid forbearance with Select Portfolio Servicing that is coming to an end. They offered a loan modification that is with an even worser interest rate than what I should have been paying during the forbearance, as well as what I should be paying going forward. 

The forbearance started XX/XX/XXXX when my ARM interest rate was 5 %, but XX/XX/XXXX onwards my ARM interest rate decreased to 3.25 %. XX/XX/XXXX onwards my ARM interest rate adjusts to 2.5 %. However the modification the company has offered is to take the balloon payment owed over the forbearance period, from XX/XX/XXXX to XX/XX/XXXX, ( 11 months of which should have been at 3.25 % ) put it to the back of the loan, and have my interest rate starting XXXX of XXXX be at 5 % for the lifetime of the loan, i.e. TWICE the interest rate I should be paying based on my adjusted rate. I have never heard of a loan modification where the rates was INCREASED, much less doubled, when a modification is supposed to help the borrower. I have written them an email and spoken to two representatives but the supervisor even claims that " this is the BEST solution for YOU '' and that if I don't accept it the loan will go into default. I told her NO this is the best solution for the lender - they get to charge a higher interest rate for most of the entire amount of the forbearance ( 5 % instead of 3.25 % ) as well as going forward and I think this is unconscionable. But she still insisted that this is the best solution for me. I find it hard to understand how a doubling of my interest rate and increase of my monthly payment going forward for the lifetime of the loan, is in my best interest. It's almost like the company is trying to gouge more money out of me as I am in a position of having no choice but to accept their new and worser terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them, but I just remembered I could file a report on here as I feel they are not doing job properly as it is affecting me a great deal as I use PayPal quite frequently. My email linked to my PayPal is XXXX. 
Hoping for your action and kind consideration on my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is a " purchase adjustment '' on my account for {$170.00} that I wasn't notified about by Capital One. It's charged to my account as of XX/XX/2020. It appears to be attached to a return to sharper image when Shaper Images website and phone weren't working. 

Capital One told me to NOT WORRY about sending the product back if the company wasn't responding. 

Sharper Image eventually sent me a coupon and admission for their error. Why did Capital One recharge me after their representative told me I didn't have to worry about sending the item back? 

And why didn't Capital One contact me if Capital One changed its mind

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Hello, We refinanced our home with XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX. Our closing date was XX/XX/XXXX. We have an escrow account set up with XXXX XXXX XXXX XXXX, XXXX. Our loan is serviced by LoanCare LLC. 

Our School taxes for XXXX were due on XX/XX/XXXX. On XX/XX/XXXX I had contacted the XXXX XXXX XXXX Collector ( XXXX XXXX ) for a copy of our Tax Statement. That's when i found out that our School Taxes weren't paid and are now delinquent. I contacted LoanCare , LLC on XX/XX/XXXX and opened a case ( Ticket # XXXX ) with them. Since then I have contacted LoanCare , LLC multiple times via phone and secure message but as of XX/XX/XXXX our school taxes still haven't been paid. LoanCare , LLC disbursed a payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All 3 times the County returned the payment because the amount was incorrect. The penalty is increasing with every month that the school taxes aren't paid. 

Taxes Due as of XX/XX/XXXX : {$8500.00} Taxes Due as of XX/XX/XXXX ( including late fees and penalty ) : {$9800.00} If not paid by XX/XX/XXXX - taxes due will be {$9900.00} I want LoanCare , LLC to pay my taxes ASAP and only charge me the original amount {$8500.00}. The penalty, late fees and any other charges should be paid for by LoanCare , LLC because this was an error on their part. 

Please help me resolve this issue. 

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed several disputes to EXPERIAN, XXXX, AND XXXX, and have received no answers to my disputes.

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 2021-05-27 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: MD

Complaint narrative:
On XXXX -- 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed several disputes to XXXX, XXXX, AND TRANSUNION, and have received no answers to my disputes.

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed several disputes to XXXX, EQUIFAX, AND XXXX, and have received no answers to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Bought this vehicle at the peak of have a very good paying job at the time, around XXXX market had gotten bad, even though I want able to make my full monthly payments between dealing with the most unprofessional company they had no understanding that I needed help. I ended up losing my job still trying to pay on loan. My car was taken ( repossession ) cost me a lot of fees to get vehicle back.I spoke to a loan rep whom advised they would work with me on the reporting if I was buying vehicle back, Just to pick it up battery taken out my car because it went to junk yard and driver door dented. I called and told loan company about issue, was told manger. No call and stuck with repossession thats been hunting me ever since. Fast forward to XX/XX/XXXX I was hit from an accident, they were also notified due to COVID breaking out at the time insurance company didnt send them off payoff until XXXX now they have as a missed payment. Ive tried for past 5 years to get some help with this, spending lots of money for help. This is the only account that Ive ever had derogatory remarks on my credit. Its been very time consuming each time!

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