vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filed a fraud claim on XX/XX/2020, for 3  unauthorized charges : {$100.00}, {$280.00} and {$40.00}. I sent over the claim form filled out and signed on XX/XX/XXXX. I waited 10 business days to be told that my claim was denied. I gave them very detailed information regarding the unauthorized usage of my debit card on the claim documents. My wallet was stolen that contained my card. The perpetrator used my card at a convenience store and bank ATM. I can see where my pin number was attempted multiple times by the perpetrator before being successful ; however, AmericanExpServe supposedly has " proof '' that it isn't a valid claim. Unless they have actual video footage, their findings are unsubstantiated, unfounded, and carelessly investigated. I am appalled with their investigation process ; it's inadequate and inept. I called multiple times to try to obtain the " documents '' they used to determine the outcome of my claim, but there's an extensive wait ( 3 hours+! ). In fact, I have to write them in order to find out what was used, which was NOTHING that is plausible. Absolutely absurd. Aren't you suppose to mail it? They made up a reason to deny my claim, literally! Those " documents '' could've been e-mailed, along with their very poor excuse for denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: IL

Complaint narrative:
A REPLACEMENT CREDIT CARD SENT TO ME VIA USPS WAS STOLEN & FRAUDULENTLY USED TO MAKE A PURCHASE AT A XXXX STORE IN XXXX XXXX  FOR {$1000.00} ON XX/XX/20. 
I WAS NOTIFIED BY TEXT & EMAIL ON XX/XX/20 & CONTACTED CAPITAL ONE STATING IT WAS NOT MY PURCHASE. THEY REVERSED THE CHARGE ON MY CARD. THEY INFORMED ME THAT A REPLACEMENT CARD HAD BEEN MAILED TO MY ADDRESS, I TOLD THEM I NEVER RECEIVED THAT CARD. THEY ALSO SAID IT WAS AN ACTUAL PURCHASE IN THE STORE. 
ON XX/XX/20 THEY REINSTATED THE CHARGE TO MY ACCOUNT, & NOTIFIED ME BY MAIL RECEIVED XX/XX/20 THAT IT WAS NOT FRAUDULENT ON XX/XX/20 I CONTACTED CAPITAL ONE QUESTIONING WHY & HOW THEY DETERMINED IT WAS NOT FRAUD. 
I EXPLAINED I NEVER RECEIVED THE REPLACEMENT CARD & WAS TOLD THEY WERE NOT AWARE OF THE FACT THAT THE CARD MAY HAVE BEEN STOLEN. 
I ALSO EXPLAINED THAT XXXX IS 490 MILES FROM XXXX & EXTREMELY UNLIKELY THAT I WOULD TRAVEL THAT DISTANCE TO MAKE A PURCHASE AT XXXX. THEY CONFIRMED IT WAS THE REPLACEMENT CARD USED & WOULD CONTINUE TO INVESTIGATE. 
THEY DID NOT RESOLVE THE ISSUE & IT IS ON MY BILL. NOW I WILL BE OUT OF POCKET {$1000.00} DUE TO A RIDICULOUS METHOD OF ACTIVATION OF A CREDIT CARD & EXTREMELY LAX & INCOMPLETE INVESTIGATION OF A FRAUD. 
I AM ABLE TO PROVE THAT I WAS IN XXXX XXXX  AT THE TIME OF THE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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:
Numerous CFPB complaints have been submitted prior against Wells Fargo in regard to unauthorized checking and savings accounts opened in my name by Wells Fargo reps in the past, as late as XXXX.. Wells Fargo reps reply to CFPB stating in part ... " Numerous attempts at resolution made, exhausted all efforts '', which I can assure the CFPB and any other third party is a lie.. A XXXX XXXX replied to last complaint, this is the fifth rep to use such bogus reply as detailed earlier ... If anyone at Wells Fargo has made any such resolution attempts, they would be detailed and would include reaching out by Phone, email, mail..etc ... There were no such attempts, this is a general form reply Wells Fargo reps use and is blatantly obvious.. Complaints were filed in regard to fees charged to unauthrorized accounts, specifically overdraft fees. Wells Fargo has replied in part by sending me mediation request forms, a total of five of these such forms have been filled out, mailed in. XXXX XXXX with mediation at Wells Fargo contacted in me XXXX, offered a settlement amount of {$3700.00} which was accepted.. A check was sent in that amount including estimated income tax to IRS, a total of {$5100.00}, which was intercepted by another party and cashed in my name. I've been working with a XXXX XXXX, a supervisor with mediation, he is looking into fraud check and he was provided info as of XX/XX/15 which was provided by myself from an XXXX in fraud investigation ... I was told by XXXX the funds from check were returned on XXXX I believe to the account issued from with Wells Fargo.. I relayed this info to XXXX on XX/XX/15 I believe, have not heard back. I requested a check reissued in prior complaint, have not heard 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 2020-04-17 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: NY

Complaint narrative:
The credit reporting agency has not provided me with proof that the inaccurate accounts on my credit report are 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 2020-04-17 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: CA

Complaint narrative:
On XX/XX/XXXX i contacted Experian via the consumer finance protection bureau complaint number XXXX it was regarding a fraudulent account that was being reported by XXXX   XXXX. i provided a identity theft report that show the account being fraud and amount with dates. Experian replied to me via the CFPB informing me that they provided this information to the the data furnisher 'XXXX  XXXX ' and the data furnisher agreed to have it deleted. 

On XX/XX/XXXX that same account reappeared on my Experian report. This time showing as derogatory and tanking my XXXX score by 38 points. 

I strongly believe they are both taking advantage of the current crisis " Covid 19 pandemic '' to make a quick buck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$55.00} XXXX XXXX XXXX {$1100.00} XXXX   XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

YOU HAVE VIOLATED YOUR RIGHTS IN MANY WAYS. 
FAIR CREDIT ACT HIPPA VIOLATION FAIR DEBT COLLECTION PRACTICES DEFAMATION OF CHARACTER REMOVE THIS FROM MY CREDIT FILE. THIS ACCOUNT IS NOT MINE. SEND DOCUMENTS PERTAINING TO MY REQUEST. NOT SOME KID SOCIAL AND SOME GUYS ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: NY

Complaint narrative:
The credit reporting agency has not provided me with proof that the inaccurate accounts on my credit report are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: NY

Complaint narrative:
The credit reporting agency has not provided me with proof that the inaccurate accounts on my credit report are 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 2020-04-17 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: NJ

Complaint narrative:
I sent a dispute to remove inaccurate information and the credit bureau still has not removed this information nor have they sent any proof to verify that this information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Everest Receivable Services Inc.
State: MI

Complaint narrative:
I never once received anything in the mail or through email from this debt collector, nor had an account with this credit company because of their low limits. 

This company called me on Friday, XX/XX/XXXX and threatened legal action against me and never once sent an invoice or anything 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 explanation
Consumer complaint received 2020-04-17 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: NJ

Complaint narrative:
I sent a dispute to remove inaccurate information and the credit bureau still has not removed this information nor have they sent any proof to verify that this information is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$55.00} XXXX  XXXX XXXX {$1100.00} XXXX  XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$440.00}

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 2020-04-17 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$55.00} XXXX  XXXX XXXX {$1100.00} XXXX  XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX {$440.00}

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 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for the XXXX loan with Bank of American through their online application. On XX/XX/XXXX I received an email to upload documents regarding my business. I uploaded all documents on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX XXXX from Bank of America introducing himself and saying that he was handling my XXXX loan application. On XX/XX/XXXX and XXXX I received an email saying that there were documents missing. I called XXXX on the XXXX and no answer and did not receive a call back. On XX/XX/XXXX I called again and received a call back from XXXX. During that conversation XXXX said that they did have all the documentation and to ignore the emails. I asked XXXX for an update on the application and when I will be getting the money. XXXX responded to me stating that the funds were depleted. I asked XXXX if my application was submitted and he got very nervous and said that he did not know. I asked, " Since you are in charge of my application how do you not know? '' XXXX said yes and no. And told me again that he did not know the status of my application and where it was and that he was going to look into it hung up, and still has not returned my calls. I strongly believe this is a case of unfair lending practices. That Bank of America never submitted my application because it was not beneficial enough to them or they are discriminating against small businesses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I did my banking with Wells Fargo. They approached me about a $ XXXX loan to pay off debt, which I took. Then, I hit a rough patch in steady employment. Later, I found out that Wells Fargo made up their own new rule, and unbeknownst to me, rolled out {$1500.00} as a charge off and took it off the bill ( it was hidden, I was unaware ). Now, years later they are saying I've missed payments on it, but I never saw that in a statement or bill. In fact, after I paid off both the loan and the credit card ( originating with checking/savings account ), I called them up and asked " Where is my pay off letter? '' That's when I found out. They can't sneak out a chunk to continue ruining my credit 4 or 5 years later, can they? 

I consider this predator lending. I do not agree to pay this {$1500.00} whatever fee. When I asked, they confirmed they want to charge me that. I tried calling several times, with the intention of paying a small portion of it, but couldn't get through. 

It was awful - they hounded me during a stressful time when I was job hunting and actually made me miss important calls and leads. Once I paid off both bills, ( {$2000.00}, {$5000.00} at max ), I thought this would be over and just the lates would be on my credit report. 

I don't think what they did / are still doing is ethical, nor do I believe I owe this amount ( otherwise I would have paid it ). I've never heard of this before. It was fancy accounting they were not up front and honest about. Once I learned of this 'bill ', and said predator lending, they sent me a {$50.00} check, but I don't recall ever cashing it. 

When I disputed this via XXXX, my credit score decreased by 16 points, which caused me to fall into a lesser category. This affects a potential mortgage, and I hope to move next year. I'd like them to explain to you and other banks how a secret charge off can get used as a secret weapon to ruin one 's credit and life. It wasn't very nice of them! 

I pay my bills, and would like my credit score to reflect that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: PA

Complaint narrative:
This is in reference to a deferred loan that isn't due until XX/XX/2022. 
I have asked the creditor to send a statement about loan with the following information included ; outstanding balance information, amount due and payment due date. I can not resolve any issues with this creditor without this information. I can not access my account. 

Sallie Mae has sent notification letters about past due account without providing the amount past due or past due date. I need this information to proceed, if necessary. 

Sallie Mae has refused to provide me with the necessary information to review my account and resolve any issues of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/XXXX My wife and I made a one time purchase of several items. This purchase included 2 bar stools, The bar stools was never delivered to us on the first delivery. Then the 2nd time of delivery they were delivered broken so we did not accept them and returned them with driver. Then we went to the wherehouse to pick them up and again they wanted to give us broken bar stools which we did not accept them and decided to forget the purchase of them. We went to Ashley furniture on XX/XX/XXXX and had a big argument with the Supervisor of the XXXX store and requested a credit on the Ashley Synchrony Bank credit card, which they agreed on. The bar stools was removed from our purchase and a credit memo was completed. The cost of the stools was removed. Now I see the charge for the stools of {$230.00} was placed back on this month for a purchase that was never made on XX/XX/XXXX. I want the charge removed for the 2nd time and stay off completely and not charge me again for the purchase of broken items that we refused to take. My Ashley Synchrony bank card last digits are XXXX. I am not paying for broken items that we did not take. 
Synchrony bank took this charge completely off the credit card and balance in XXXX and then put it back on again in 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 2020-04-17 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: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}

Company response to consumer: Closed with explanation