vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
As explained in numerous prior CFPB complaints against Wells Fargo, a settlement amount of {$3700.00} plus estimated taxes was not received, this amount was offered to me in XX/XX/XXXX by an XXXX XXXX. The total amount with estimated taxes is {$5100.00}. An affidavit was signed, sent in to Wells Fargo, check investigated and funds returned to Wells Fargo .... A second check sent to my old address supposedly prior to me moving in XX/XX/XXXX or XX/XX/XXXX, I had moved in XX/XX/XXXX to my current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. XXXX sent to old address via XXXX, XXXX, etc, would not be received. Also, a mediation offer amount of {$500.00} plus estimated taxes sent to old address was not received, the total amount including taxes is not available to me at this time, it was detailed in prior CFPB complaint, unresolved. Wells Fargo reps attempt to refer to a mediation confirmation letter sent to me which was not received or signed by myself and needless to say, can not refer to it.. In case either check shows cashed, it was not by myself in which case, no funds received. Further, verifying address they had at the time, which is old address, does not address non-receipt of funds. The last Wells Fargo rep attempted to refer to signature decline of XXXX package containing check which I am not aware of and even so, does not address non-receipt of funds. In case Wells Fargo rep ( s ) attempt to refer again to address verification, that does not address non-receipt of funds, nor does supposed signature decline of a XXXX package I am unaware of.. It appears Wells Fargo reps are unwilling to investigate this matter, simply want to pass it off and refer to old address as verified. I've checked again with Post Office, they show no missing mail to me which is being forwarded from old address, nothing from Wells Fargo.

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 2021-05-26 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: MN

Complaint narrative:
On XXXX I received a letter from XXXX stating my credit card I had since 1986 was closed due to non use, balance is XXXX and I have no debts. So I contact citi they told me that the amount is to high in relation to the income. So I'm trying to talk to a live person at experian.so my current credit score is XXXX  so I want my card restored.

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 2021-05-26 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Hi, I was recently applying for an apartment and signed up for XXXX to check my credit report. I noticed my credit was extremely low and the reason was an impact to my credit by a credit inquiry. I opened the file and it showed a company Comenity Capital /XXXX XXXX I asked myself what the XXXX is this? So, I looked it up. It says it is an online bank, I dont have any online bank accounts. So I decided to file a dispute with Equifax and then call the company reporting this Comenity which informed me that they did not have a file with me and this May be a fraudulent account. The address that was used was an address I lived in 2015 and the bank Comenity, my husband informed me it was the same bank the two tenants from the basement used to pay the utility bills. We actually moved out of this place because they were stealing our mail. But now I now where one of my W2s that was mailed to me went. The tenants name is XXXX XXXX XXXX, and XXXX XXXX XXXX. I am going to now file a police report and have to fax all of this information to the credit company. Please report these people and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: MD

Complaint narrative:
My first letter to XXXX XXXX, and TransUnion was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies.

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 2021-05-26 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: MD

Complaint narrative:
My first letter to XXXX, Experian, and XXXX was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies.

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 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I received a letter regarding a debt collection on XX/XX/2021 for XXXX XXXX XXXX for the amount of {$370.00}. I have no regards to this information so I paid it no attention at this time. I received a statement on my credit alert that a collection was noted on my report. I immediately wrote a dispute letter on XX/XX/2021, due to I have nothing to do with this and have been a victim of fraud in the past and from this state which the complaint is coming from also, I'm supposed to have been serviced at I never lived there and can prove it. I did not open an account with this consumer and no nothing about it, also would like to have them removed it from my credit reports after I get an affidavit and notarized statement of this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 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: CO

Complaint narrative:
Please note : I'm making 2 complaints, one against Chase and one against Marriott as they are partners in this issue and neither satisfied the rewards as described. I applied for a Chase Marriott XXXX  credit card XX/XX/XXXX ; I received communication in my XXXX - inbox XX/XX/XXXX stating they were reviewing the application and on XX/XX/XXXX stating the card had been approved. I initially applied for this credit card for the reward of an " {$250.00} Marriott e-gift card instantly, upon approval from Marriott '' ( see XX/XX/2021 letter from Chase ) and also for the " XXXX points after [ I ] spend a minimum of {$3000.00} ''. The offers have now changed and I can not find the original guarantee - however, in multiple contacts with Chase the offer was verified. I have not received the e-gift card. As of today, I have not received the points. I've sent multiple inquiries and have had multiple phone calls with both Marriott and Chase. In these communications I've explained that I have not received the 'e-gift card '. In each instance, neither company takes responsibility and both state that the other company is responsible for the issue. For both companies, they have stated both in writing and on the phone that the e-gift card should be provided by the other company. Please see the multiple letters and other documents provided. I'm hoping that this complaint will escalate the issue to higher level employees at Chase and Marriott that can help resolve this issue as I've requested that - I've requested communicating in telecons, I've contacted these companies and have no resolution. Please contact me with any questions/concerns. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 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: WA

Complaint narrative:
In XXXX, I was contacted by Portfolio Recovery ( PRA ) regarding an alleged debt to XXXX XXXX XXXX in the amount of {$270.00}. XXXX XXXX XXXX ceased to exist in XXXX. I have no knowledge or information sufficient to render an opinion on the validity of this allegation. However, to the best of my recollection I have not entered into a contractual relationship with XXXX XXXX XXXX  Indeed, since filing bankruptcy in XXXX, I have not sought or obtained any credit cards until within the last year, and only a secured CC. 

I have contacted Portfolio Recovery several times to dispute this debt. No validation of the debt has been forthcoming. Demands to remove negative marks from credit reporting agencies have been ignored. 

XXXX No proof of the debt has been established by PRA XXXX No contract between myself and XXXX XXXX XXXX or between myself and PRA, exists XXXX Portfolio Recovery states the account age as 1 year, XXXX months ; XXXX XXXX XXXX has been defunct since XXXX XXXX The entry at XXXX shows a reporting date of XX/XX/XXXX, not XXXX XXXX For the above reasons, PRA is in violation of Federal law Portfolio Recovery lacks legal standing for their claim. Their actions also conform to the doctrine of volenti non fit injuria, further invalidating their claim. 

Portfolio Recovery must remove negative entries at all credit reporting agencies. This incident has caused an as yet undetermined level of financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: MI

Complaint narrative:
Good day I am contacting you to report Capital One credit reporting I paid off this credit card at mid XXXX and they didn't report it till XXXX the XXXX when it was paid off I had a balance of {$14.00} now a company a merchant has wanted to my credit card account and over charge me for a purchase that I shouldn't be charged for so I'm disputing that with that merchant and with Capital One then credit report that I am over my limit which brought my score down XXXX points when they never brought my score up when I paid my credit card off and I think it's highly discriminatory and XXXX that they have not changed my score when I paid that card off their credit reporting is supposed to be over and done every XXXX of the month not on the XXXX of XXXX so now on the XXXX of XXXX they reported that I'm over my limit instead of raising my score when I paid the card off they never raised it they dropped my score even more XXXX points because of overcharge on my credit card which is not at my fault I am disputing all of this I want something done about this cuz I keep reporting I keep writing disputes with the credit bureaus and they never do nothing they say that the information is correct that they have it is not correct they never raise my score when I paid this card off when it's reported they waited until a negative charge hit my account and made my account negative again and I find that highly XXXX and discriminatory that they doing this to the poor community I have no reason to be in a negative light I'm trying to raise my score and they constantly keep knocking me down and I'm really freaking tired of it I want something done about it my score should be higher than what it is now I'm tied up the incorrect credit reporting so I want to know who is the highest power that I can get this taken care of with cuz I need to sue them and all of the credit bureaus for incorrect credit reporting that is my problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MRS BPO, LLC
State: OK

Complaint narrative:
XX/XX/21 contacted Mrs BPO , LLC XXXX and couldnt speak with live person regarding fraudulent account in amount of {$630.00} XX/XX/21 contacted Mrs ASSOC XXXX for {$630.00} reported to XXXX for collections. XXXX answered phone at XXXXXXXX XXXX CST and provided a different number XXXX. I called and only had automated options, none which applied to fraud. 

XX/XX/21 XXXXXXXX XXXX CDT called XXXX direct. XXXX with dispute team is disputing above two entities.

I was advised if i contacted FTC personally I would get quicker results. Feel free to contact me if i may be of further assistance. My identity was stolen 18 mo ago. I do not know or owe either vendors above any money.

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 non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Between XX/XX/2021 and XX/XX/2021 I received 82 phone calls from Navient using 8 different numbers. I have spoken with them and attempted to address the issue and there has been no change. There were occasions in which there were 5 calls in one day some of the calls separated by 60 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: ClearPath Lending
State: TX

Complaint narrative:
We closed on our VA loan with Clearpath Lending, XXXX, Calif. on XX/XX/2020. We get daily fliers from them-asking us to refi. Now we are getting daily emails from them. They are annoying and we have called to have them take us off their mailing list, but they just ignore us. Have also emailed them. Not a huge deal, but very annoying. Because of this we would not recommend them to anyone.

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 2021-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
My original payment amount was {$700.00} dollars. I had called and asked how many days I had to return the money and they had told me 7-10 days to pay off. I paid off the loan within the time frame. I had previously been charged a certain fee. The original loan date was XXXX however I did not get the deposit until the XXXX. ( this information comes in hand later on ). 
I never received a notice, a letter, or an email advising of that pending amount. I am currently unemployed and I do not have the funds to be paying off excessive amounts of money. 
I spoke with a representative today ( XX/XX/XXXX ) and I told her that I wanted my money back. and that I was not aware of what was owed. 
She gave me an email to see if I could get my money back and set up a payment arrangement but she told me that there was nothing further that she could assist me with. That I according to her knew that there was that balance owed. 
She also told me that I had 72 hours from the time the loan was processed to return the loan. How do I return a loan in 72 hours if it took the loan 72 hours for me to receive??? 
I paid off the original amount of the loan which was {$700.00} within the 7 days that they told me. 
They then removed XXXX from my bank in a check form! they do not notify me that I owed something! 

I need a resolution ASAP since I am unemployed and do not have the money to cover this loan. 
With everything that is going on in the world and this whole covid19 and unemployed thing going on, i would think that they would try a little harder to assist us in getting our back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST
State: TX

Complaint narrative:
I had a buyer for my motor-coach and I requested a 10 day payoff. As ofXX/XX/2021 the amount was {$150000.00}. OnXX/XX/2021 the motor-coach was sold and the payoff was completed. Since there was a loan payment done right before the sale, an overage was created in the amount of {$2400.00}. I called Bank of the West numerous, numerous times to find out when the overage would be refunded to me. Bank of the West assured me that within the week a check would be coming to me. I never received that check. I sent a certified demand letter on XXXX with no results. Numerous more calls were made. I called and spoke with a representative who said the check must be lost and will issue a new check and send it out.I A few days later I received a check and deposited it, only to discover that Bank of the West had a stop payment on that check.I recruited help from my bank, XXXX XXXX  - XXXX, Texas branch to resolve the matter to no avail. My bank Rep. XXXX XXXX called Bank of the West and spoke with an agent that assured us that a check would go out the next morning. Needless to say, I have never received a check. This entire process started XX/XX/2021 and it is now XX/XX/2021. If needed, we have letters of documentation supporting all of the above facts. Bank of the West has never disputed that the overage is owed and the amount owed is {$2400.00}.

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 2021-05-26 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
State: WI

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 for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland - Asset Acceptance, the collection company says I opened a XXXX XXXX credit card in 2006 which I did not. they are are now garnishing my wages and say I owe them over $ XXXX - they can't tell how much it was originally opened for. they have levied my checking acct in the past. I have asked for YEARS to have any kind of proof that i opened it and they have none. They say the burden of proof is on me and I have to file a fraud report. I NEED help. I didn't open this and my credit was bad at the time - no one would have given me a cc for a big amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: MS

Complaint narrative:
Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This has been an ongoing issue with Wells Fargo Auto Financing. They have " charged off '' the loan maliciously, in my opinion and refused to answer any of the topics I've communicated with them both on the phone and in writing despite these addressing every single issue they've raised. 

They've insisted in responding only with form letters that do not address the issue at hand. 

They have also sent me someone else 's loan information claiming it was mine. If this is a mistake, it should be addressed by someone at Wells Fargo. If it was intentional, it certainly should be addressed by someone at Wells Fargo. At the very least, the company has shared private financial information of another customer with me that they should not have. In the end, I have no idea if they are confusing my situation with another customer or not because they have refused to address it with me directly.

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