vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Back in XX/XX/2019 I had a total balance of {$1200.00} on my XXXX XXXX Mastercard however I paid {$1400.00} which XXXX 'd out my balance. Shortly thereafter I noticed several FRAUD charges which were put on the credit card. " I '' went onto my mobile phone app and placed an immediate block/hold on the credit card to prevent any further usage of the card. I then called the customer service ( according to my cell phone bill records ) and reported the fraud charges. I was told that I would receive a new card and the fraud charges would be investigated. In all the years I've had this credit card I have NEVER had any problems with fraud, the minute I pay off the card I then get all these fraud charges. Nevertheless, I received a letter from XXXX XXXX mastercard dated XX/XX/2019 stating that after there investigation of the fraud charges they have concluded that I am not responsible for the disputed fraud balance amounts that were put on the mastercard. However the problem is that I have NEVER received the credit for those fraud charges. I have gone onto my online XXXX mastercard account and sent messages to customer service requesting the credit and statement reflecting this be mailed to my address which they have on record and they refuse. I even contacted the XXXX XXXX XXXX with copy of this XX/XX/2019 letter showing XXXX XXXX Mastercard stated I am not liable for the fraud charges and they REFUSE to supply the XXXX XXXX XXXX with a response stating they would contact me by mail which ive waited now several months and still have not received a response. I am now going to contact the attorney general if CFPB is not able/willing to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Klarna AB
State: NJ

Complaint narrative:
I Had a hard inquiry that i was informed about from experian on my credit and haven't had help to remove it when i was not at fault. I Spoke To Klarna/XXXX  and they said they would remove the hard inquiry by sending an email to experian to recall the inquiry but i never heard back from them. It has been a week now but the hard inquiry is not removed yet which go against what they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: NY

Complaint narrative:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX   XXXX, NJ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. Identity Theft RENTAL PROPERTY XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit 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 2020-07-01 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: NY

Complaint narrative:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX   XXXX, NJ XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am reporting how unfairly I have been treated by Wells Fargo Bank. 
On XX/XX/XXXX, I applied Paycheck Protection Program Loan ( PPP loan ) to Wells Fargo according to federal guidelines as solo proprietor, requested loan amount of {$31000.00} ( based on my average monthly payroll of {$12000.00} ). XX/XX/XXXX WF notified me that WF received my application. 
XXXX, WF Emailed : We are in the process of reviewing your PPP application If you agree with the eligible loan amount of {$8000.00}, please type yes. I did not understand well, replied yes for being afraid that if I did not reply yes, my application would have been dumped. XX/XX/XXXX, WF sent DocuSign Email, item # 2 printed Promise to Pay {$31000.00}, ( copy attached ) I signed and XX/XX/XXXX the {$31000.00} PPP Loan disbursement was deposited to my WF checking account. Two days later XX/XX/XXXX, {$31000.00} was removed from my account noting Reversal of PPP Loan Disbursement and {$8000.00} was deposited as PPP Loan Disbursement. 
Since then, I have called WF PPP Loan customer service XXXX multiple times : XX/XX/XXXX spoke with XXXX, XX/XX/XXXX called and left message, XX/XX/XXXX spoke with XXXX who acknowledged that WF miscalculated and said that I should have received minimum of $ XXXX. ( Conversation record attached ). XXXX said he would check with manager and get back to me. XX/XX/XXXX & XXXX, I Emailed all my supporting documents again. XXXX, I spoke with XXXX XXXX and was told by her that she would expedite it to underwriter since I had called many times. XXXX XXXX called and said he would investigate it. Nothing happened In brief, in the past 6 weeks, I tried multiple phone calls to get WF correct the loan amount and I kept on being told will Look into it. When I asked agents extension for follow up calls, I was told that I needed to call XXXX number. When I asked for manager, I was told that there was no manager dealing with PPP loan. 
Being very frustrated, on XX/XX/XXXX, I called again, spoke with XXXX XXXX, a loan adjustor. She asked me to send employee health care and retirement info which I did. No correction was done till today. 
Wells Fargo Bank failed to follow federal guidelines on proper calculation of my loan amount and when mistake was pointed out even by WFs own employee, WF disregarded their error and took no action in correcting it! Wells Fargo removed money from my account without my authorization! 
I am so disappointed that Wells Fargo mistreated a loyal customer like me and took away my financial assistance given by government! 
P.S. documents attached

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 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: VA

Complaint narrative:
Follow up to closed complaint No. XXXX, I have requested that Veros Credit provide justification for unexplained balance of roughly $ XXXX. No justification, nor policy has been provided nor has Mr XXXX or anyone in his department responded to my legal representative XXXX XXXX. XXXX XXXX as well as myself have concerns of misconduct and intentional mishandling of my account and payments being applied incorrectly. The payments have been inappropriately applied to interests in amounts exceeding 400 dollars in some payments. I request that Veros Credit remove all derogatory marks dating back to XXXX of XXXX. Final payment of the the four deferred payments will be made no later than XXXX, this will leave Veros Credits unexplained and unjustified remaning balance of roughty {$1400.00}. Veros Credit continues to duck contact from my legal assistance representative XXXX XXXX. Several attempts to contact via email, mail and fax have been made with no response. I'm currently on XXXX and this ongoing issue with Veros Credit has been made known to my command stateside.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX.Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX   XXXX/XXXXDispute XXXX XXXXDispute ftc violations filed

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 2020-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We applied via telephone for the Covid19 forbearance in XXXX. This short call confirmed our grace period and nothing more. When I called XX/XX/XXXX to discuss tacking the 3-month forbearance to the end of our loan and begin repayment, I was told we did not qualify for the program because we had a missed payment. In XXXX, we paid {$2000.00} to catch up on our mortgage as a combined XXXX and XXXX payment. We were unaware that XXXX would not be covered under the forbearance program when we applied and were accepted XX/XX/XXXX. In fact, we weren't told until I called Wells Fargo to discuss the payment on XX/XX/XXXX. Please see the letter dated XX/XX/XXXX that makes no mention of this to us. Today, this leaves us in a very precarious position, one that makes the situation so much worse. We must now undergo a complicated process of modifying the loan based on income. There are no assurances we will be approved either. The only other alternative is to pay more an additional {$700.00} each month for six months until we are caught up, though we are not on our feet yet. Wells Fargo should have notified us upon our initial application that we would not qualify for easy repayment without the XXXX payment. We would have paid that amount before accepting the forbearance or else not participated in this at all. This is now XXXX and our payment is due. We still have no remedy and we owe {$3700.00} with no idea how to repay a debt that grows. I feel like we were tricked into a position that makes it entirely possible for us to lose our home. I am sure we are not alone. 

Note : I have attached copies of our mortgage, the XXXX letter and a screenshot of my email showing that were received no advance disclosure from Wells Fargo prior to accepting these terms.

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 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX 2 transfers from my account occurred to XXXX XXXX XXXX. One for {$9000.00} and one for {$8000.00}. I immediately filed a claim with wells fargo for fraud. Today, XXXX/XXXX/20, Wells fargo ruled against me! I do now know who stole my money. I do not know how they stole my money but I had nothing to do with this theft. PLEASE HELP ME. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Those accounts were never fully legally investigated.

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 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Western union AmountXXXX XXXX Date- XXXX/XXXX/2020 My account was decreased by the above balance from my bank account, i dont know about the transaction, its very inconvenient. I need my money back. Please help if you can. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: MI

Complaint narrative:
I have been having continuous issues since opening my accounts with Key Bank about a month ago. I opened them when I applied for a mortgage, and I think there was an issue in funding so I went to the XXXX branch to fund my checking account and got my account number. I have never been able to use online banking ( I think its been a month ). I called the call center multiple times, drove 45 mins to south bend to find out the branch was closed due to coronavirus ( my fault ), and then got scared this week as my first ever mortgage payment is due and I can not pay it. I emailed my contact who originally helped with my mortgage who put me in contact with another person is also helping to reopen my accounts. I have had all of my accounts cancelled- checking, savings, credit cards for no apparent reason. 

Called XXXX to get help paying my mortgage. I spoke to " XXXX '' around XXXX today XXXX/XXXX/2020 and was unable to be helped, manager refused to speak with me about my issue. This is after I gave them my SSN, address, name, phone, and account number. I was pretty hysterical ( sorry XXXX XXXX but I believe as a customer I am at least entitled to have the manager tell me directly that they cant help me, even if it was in a later call, which I agreed to, or to have them take a step to help resolve my issue. I didnt feel like I was treated as a valuable customer, and I have felt that the burden of fixing this problem has been largely on me. 

In contrast, I spoke with the call center XXXX/XXXX/20 around XXXX and spoke to an absolute angel who heard my concerns, was able to verify my identity, spent a lot of time trying to solve my issues and connected me back to the branch I opened the accounts with. I spoke to another absolute angel,  the branch manager at XXXX PA who is also trying to fix my accounts. I also previously spoke with someone from IT who put in a ticket and was also extremely helpful. 

I have no timeline for any of these accounts getting re opened, I dont know where my initial deposit went, and I can not seem to utilize the call center to help because I feel like I get treated with suspicion before being turfed to someone else. I have never had this much trouble with a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute   XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXXDispute   XXXX XXXXDispute XXXX XXXXDispute ftc violations sent over 35 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo criminal bank institution did fraud and identity deft on my name. And possibly shared with that stupid and unknowing XXXX, XXXX, XXXX. This four criminal companies are holding my information without my consent.

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 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
It's XX/XX/XXXX and McCue Mortgage still has not paid my taxes. Even after telling them this they said they would pay it in a timely fashion ... NEXT MONTH. It's due today. They are refusing to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TX

Complaint narrative:
XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX ftc violations sent over 35 days

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 2020-07-01 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: TX

Complaint narrative:
XXXX/XXXX  XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute ftc violations sent over 35 days

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 2020-07-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I believed I was purchasing 10 APC units from someone online for us to resell. I was sent an invoice with a payment link for a total of {$3300.00} through XXXX XXXX. The transaction had an issue going through. I called XXXX XXXX  and representative advised me to cancel the payment request that came from the vendor and send two payments myself from ( One for {$2500.00} and one for {$850.00} ). Upon doing that, the transaction went through. I felt confident because XXXX XXXX  seems like a secure way to pay and I was using my Chase business Visa Debit Card, so that I thought I was protected one way or another. 

After the payment was made, I stopped hearing from the seller and could not get in touch with him. Calls to both Chase and XXXX XXXX  have resulted in nothing. From what they tell me, it's like I sent cash to someone over the internet. I can't understand how this makes sense. XXXX XXXX  should have policies and procedures in which people receiving money ( at least larger sums ) should take a while to get verified to ensure scammers just aren't out to get people. XXXX has very good policies in regards to that. 

Both Chase and XXXX XXXX  have only been able to say sorry, but we can't do anything. It has been an extremely difficult hit to our small business and have been left wondering if XXXX XXXX  should even be allowed to operate in an industry with little checks and balances.

Company response to consumer: Closed with explanation