vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 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: FL

Complaint narrative:
This is a problem I seem to be having more and more frequently when using a credit or debit card. I make a purchase, for some reason am not satisfied with the item purchased, return it, receive a credit, and then have to wait an undefined number of days for the credit to appear on my account. This, of course, affects the status of my account and balance in real time. I simply do not understand why charges appear on a credit card or debit card account immediately, but credits take an undefined number of days -- sometimes more than a week -- to appear on the account. The retailer claims the fault is the bank administering the credit or debit card, and the bank claims they can not issue a credit until they receive it from the retailer. This makes no sense since both purchases and credits are done electronically and should occur immediately, as purchases currently do. 

Another illustration of this dilemma is the " holding '' fees hotels and car rental companies are now imposing on credit or debit cards. As recently as last year, I would make a reservation at a hotel with a credit or debit card to hold the reservation, arrive, complete my stay, and pay my bill on departure. There never was any so-called " holding '' fee. The same was true for car rentals. Now both hotels and car rental companies are imposing " holding '' fees on reservations and rentals and supposedly " returning '' those holding fees at the end of the hotel stay or the car rental. The problem is the money is NOT returned immediately, is HELD for an unspecified number of days, and the account is left in a sort of limbo until the money is returned or credited back to the account. 

This imposes real time costs on the status and balance of an account, affecting a credit or debit card holder 's ability to use his credit or debit card. 

The credit card at issue in my case is XXXX XXXX XXXX XXXX XXXX Master Card and the debit card is the VISA card linked to my Wells Fargo checking account, but I suspect that this new practice is being used by credit and debit card issuers across the board. 

Please look into the legality of this practice, which allows, in the case of a debit card, the issuer to hold on to a customer 's own deposited checking account money, and deprive the customer of the use of that money for an unspecified amount of 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
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: POPULAR BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am XXXX  and stXXXXessed by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud claims.

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 2021-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: PA

Complaint narrative:
I had a gym member ship with XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ), formerly XXXX XXXX XXXX formerly XXXX XXXX XXXX since XX/XX/XXXX. With the pandemic I put my membership on hold in XX/XX/XXXX and formally cancelled or so I thought, in XX/XX/XXXX via telephone to their front desk representatives. I did not receive one phone call and only found out of the debt collection with a email that I utilized years ago when I first set up the gym membership. As soon as I found this out I immediately contacted XXXX  to explain the situation, but they ( XXXX XXXX XXXX insisted that I provide phone records ( consumers do not keep such information ) to show who and when I cancelled with. Before contacting me they put me in collections and put a derogatory remark on my credit. No mail correspondence was received at my home address as well. To remove myself from collections I paid the agreed upon {$59.00} on XX/XX/XXXX that XXXX requested and I also asked for follow up confirmation that our engagement was completed but have yet to receive. Currently I still have a derogatory remark on my credit and have not received confirmation of engagement being completed with XXXX. I was a customer there for 6 years and paid monthly on time, and did cancel when I no longer needed the gym service earlier in the spring. Since XXXX  employee I worked with over the phone did not cancel properly, I was put into collections and had a debt collected unfairly. Anyone that had a membership with XXXX  and put it on hold/cancel during the pandemic should be advised of the bad actors at this company and negligence in their pursuit to collect unowed monies. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am a victim of identity theft. The company MIDLAND CREDIT MANAGEMENT, claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am depressed and stressed by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/XXXX, I observed I had a negative report on my credit history, reported by XXXX XXXX credit card through a XXXX Credit card. I filed a dispute through XXXX  and a month later, XXXX XXXX  removed the report from my credit history. 

XX/XX/XXXX, I observed Midland Credit Management, had placed the same account in collections and had falsely reported it to my credit report. I contacted Midland via phone and by certified letter, disputing the account. I also explained what XXXX XXXX  had done and how they had erased the report from credit history. I was told that I owed the debt and that they would not remove anything from my credit history. I requested validation of the alleged account, which they advised they would send. 

By XXXX, I had not received anything validating the account, which I again spoke with Midland via phone and they stated they never received my letter requesting they validate the debt. The representative did advise they sent me the validation paperwork, to my current address, which the XXXX conversation with the representative revealed they had the incorrect addresses, I never corrected them, because in my letter it advised of my correct address. However, this conversation with the representative he all of a sudden had my correct address, which I asked how was it that he had my correct address if they never received my letter, which I received no response. 

Since XXXX I have sent two additional letters requesting for Midland to seize any collections attempt and erase the false information from credit reports, as they are negatively affecting my credit reports. I have not received any response from Midland.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Sir/Madam, I got a rate lock for a mortgage from Citibank after signing a purchase agreement for a property and they have since then added 0.75 points for the mortgage increasing my closing costs by {$4700.00}. Even after reminding them multiple times over the phone and email that a rate lock implies that both the rate and points remain fixed until the lock expiry, they have not yet agreed to remove the points and honor their initial terms. My closing date is XX/XX/XXXX and even though they say they are working on getting the terms back to the initial values I don't have faith that they intend to do it. 

Please find attached the initial rate lock document and the subsequent revised document they sent me. 

Thanks 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 2021-07-06 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
I checked my XXXX credit report and noticed that a account was opened under my name which I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Webcollex, LLC
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: The Bureaus, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
My mortgage was sold to freedom mortgage and inwas offered a streamlined refi after submitting all requested paperwork I did not hear back for several weeks I reached out and was told by the under writers that the refi was closed with no notification to me. I contacted the person who origallny started the refi process for me he started everything up again. Things were going smoothly aside from being asked for even more documents this time which were provided. I was called asking for a pay stub which I sent in on that phone call I was told inwould get weekly up dates. 2 weeks passed and I got no update when I called I was told it was closed again with no notification to me yet again.

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 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I looked at my credit report and was shocked to see the numerous amounts of errors listed as a result of identity theft. Sent numerous letters to company and bureus. I never stayed at the address listed on account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am currently serving in the United States military and back in XXXX of this year ( 2021 ) I was contacted by a Individual on XXXX stating that she was a manager at XXXX and that can get me a grant for being in the military the grant totalling of XXXX. I jumped at the opportunity of having such a large sum of money and agreed to enroll in the grant, After I agreed the Individual started to ask me for money stating that She would cancel the grant if I don't loan her money. Me being trustworthy and stupid I agreed to loan the " manager '' money over the next couple of months totalling to little over XXXX. The only reason I did so was because I was expecting to get repaid through the grant and that a good friend of mine who is also in the military said that he knows the Individual and that she tried to get him to agree to the grant as well. Long story short it been a few months and I've tried with my bank but ultimately they were no help. I've been losing sleep and stressing over this loss and I'm hoping that whoever sees this can help me even get half of this back, Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Association Capital Resources, LLC
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Untimely response