vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 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: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
My ex wife had a vehicle that was her responsibility during the divorce decree and she let the vehicle get repossessed and then made it part of her bankruptcy. This was never my responsibility and I'm not on the loan but it is still being reported on my credit report. i have attempted to get it removed from the credit bureaus but haven't had any success. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
I applied for a mortgage and was informed that an alleged debt by XXXX XXXX was reporting on my credit report. I disputed it directly with TransUnion and requested debt validation by XXXX on XX/XX/2019 via certified mail. The disputes follow and have been received by TransUnion and XXXX. I have never received debt validation by XXXX nor TransUnion. TransUnion keeps reporting this derogatory account despite me sending TransUnion evidence that XXXX XXXX fails to respond. According to the Fair Credit Reporting Act, TransUnion must report accurate information. If the alleged creditor, XXXX XXXX, can not provide evidence that I owe them money, then how can TransUnion continue to report a derogatory tradeline? I need TransUnion to provide to me evidence of the debt or delete this account from my credit report. It is damaging my credit and I have requested the evidence of the debt directly from XXXX. I am unable to purchase a home with this issue on 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 2020-10-23 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: NC

Complaint narrative:
I applied for a Wells Fargo credit card on line for a balance transfer from my XXXX account. When I applied on line the response I received stated my application was under review and someone would contact me shortly. I never heard back and contacted Wells Fargo at XXXX to find out the status of my application as well as the terms and conditions of a potential credit card, on XX/XX/XXXX and again on XX/XX/XXXX. Another week went by and went I went to my online banking, a credit card account had been opened with a balance transfer of {$5000.00} and a fee of {$140.00} on XX/XX/XXXX! I called Wells extremely upset and advise I never authorized this credit card as I had called to obtain the terms and conditions of the card and they had violated regulation B as no notice of approval had been issued to me. They said someone from the complaint department would be in touch. Still hearing nothing I received an email on XX/XX/XXXX from XXXX XXXX at XXXX stating she was from the executive office and was working on my complaint and I would hear something by XX/XX/XXXX. Still hearing nothing by that date I had contacted her on XX/XX/XXXX and she indicated because Wells Fargo sent me a notice that I had been approved they would not refund the balance transfer fee. I urged her that I was dissatisfied and had never received a letter, and why hadnt they called me back, I would be paying off the card and closing it out in the next 3 weeks and I had moved residences and I had been a long time customer of Wells, as a courtesy I want the {$140.00} fee refunded. XXXX stated that because a letter was mailed, there was nothing further. I am appalled at the compliance violation and lack of professionalism with Wells Fargo thinking they can just issue credit without confirmation from the customer. Please try to recoup this balance transfer fee for me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX I noticed 2 withdrawals from my checking that I did not initiate. After speaking to bank I was told they would order new card and send paperwork for refund. A week later I received new card and tried to activate it, the card would not work. I was told after several hours on hold that they now needed my license. So card and tax docs. I faxed  as requested. It was now XXXX and still no access to my funds kept being told faxes were to light to read. This time I tried from my phone it worked on XX/XX/XXXX card was activated then on XX/XX/XXXX after purchasing XXXX dollars worth of groceries my card was declined police were called I am a XXXX man, I was put in handcuffs until my fiance paid the bill immediately called bank was told they now needed proof of residency due to my address being different as to my physical address, I did change w dmv online due to pandemic. I faxed proof of address change after several hours on hold my card was reactivated and told my  account was notated as such. That brings us to XX/XX/XXXX while leaving a restaurant after trying to pay my card was declined, police were called again was treated like a criminal. My fiance called bank was told that they did not believe me as to documents and they were taking 10 more bus6days to recheck faxed documents. I believe they are racially profiling me. And the 2 withdrawals were not fraud but they were bank error. This has caused severe consequences including police pointing guns at me for not being able to pay. I need help with us bank.

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 2020-10-23 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: TX

Complaint narrative:
Booked flights on XXXX via XXXX. XXXX XX/XX/2020 flight XXXX, XXXX ; XXXX XX/XX/2020 XXXX, XXXX. Received email from XXXX cancelling flights dated XX/XX/2020. They offered a voucher. We declined a voucher and requested a refund. We have not heard back from them. They have disconnected all their customer service lines. Also the airline no longer services the United States. I disputed this charge with my credit card company Capital One. They originally reversed the transaction then later sent a letter stating the dispute is greater than 60 days and they can not reverse it and therefore will be reapplying the transaction amount to my account. The merchant failed to provide the agreed upon service ( flight ). There is no way to contact the merchant. There is also no way to use the " vouchers '' they provided even though we requested a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23 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: DISCOVER BANK
State: CO

Complaint narrative:
I have purchased travel tickets during the winter for the travel in XXXX. Due to Covid, all flights ( 4 international tickets for my family ) have been cancelled. I have opened a dispute because the travel agency refused to refund the tickets. They were ignoring all requests and not refunding for months. Finally, got 3 out of 4 tickets refunded in XXXX and then received a note that the 4th ticket is not being refunded through Discover because they need more " proof ''. I do not understand what other proof they need, yet I have spend more months calling the travel agency and finally was able to get a written confirmation that they are refunding all 4 tickets. It has been over a month since then. Discover is still investigating the 4th ticket. I have called weekly and they refuse to connect me to a supervisor. Magically a supervisor is not available week after week and never calls back. I want to close this card and pay it off, but I can not do this until the dispute is finalized and I am refunded the last payment of {$1000.00}. Please help me, Discover has not been supportive and has not been my advocate through this difficult situation and has not assisted me through this dispute. They have put all the pressure of chasing the travel agent myself and did nothing to get my money back.

They are not providing an escalation point and have received all necessary " proof '' for the full refund. I don't know what else to do to get my money back for the travel that never occurred because all flights were cancelled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc.
State: OR

Complaint narrative:
I was contacted by Nationwide Credit Inc about an XXXX XXXX card and fees on it which was not opened by me or charged by me. I already called XXXX XXXX about this issue. I therefore asked already to please remove this from my credit file. Please review nd remove this false information as I did not open or operate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Confirmation No. XXXX I am filing this complaint because Equifax has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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:
To Whom It May Concern, The reason for my dispute is : XXXX   XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where is in compliance with OHIO LAW. I also have report this  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX , XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-10-23 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:
To Whom It May Concern, The reason for my dispute is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX   XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where is in compliance with OHIO LAW. I also have report this XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Unity Asset Management
State: TX

Complaint narrative:
A man calling himself XXXX XXXX from Unity Assets called me saying that his client XXXX   XXXX ' XXXX  was going to file a judgement against me if I did not take immediate action. He made it seem as though he was the company 's lawyer and tried to get me to make a payment over the phone. He sadi the debt had been in collections and since I hadn't paid it they were filing a judgment. He put me on hold for several minutes to " ask his client about payment options. '' He had the last 4 of my social and my place of employment. the debt is legitimate, however as far as I know they've never sold it to collections. I told him I didn't feel comfortable making payments over the phone without seeing the payment agreement first he insisted I had to make a payment right then and that I couldn't possibly get the paperwork until I had done so. I told him I needed to think about it an hung up. I looked up the company he claimed to work for and found that they were not a real company and certainly not lawyers and that the phone number they used to call me was fake. The number he told me to call back did not connect to any company at all ( XXXX ). I believe he was attempting to scam me out of my money and not in any way actually affiliated with XXXX I don't know how he got my information but it's frightening. He won't stop calling and has even called my place of employment. It's beginning to feel like harassment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Signed up for forbearance program In XXXX due to the corona virus pandemic. 
Wanted to keep up with my escrow payments so that I would not owe as much in the end, so I made 2 payments for 3 months of escrow payments each time. They neglected to apply the money I paid to my escrow as I requested and proceeded to XXXX up my whole account. I spent 4 1/2 hours on the phone with them on XX/XX/15 and after speaking to 4 different people in different departments they assured me my problem was rectified so I paid my remaining balance of 6 months of principle and interest. Now in XXXX after making my payment they told me I was 3 months behind in my payments. This is not true so I tried to explain to them what and when I had payed only to have to spend XXXX more hours on the phone and having to speak to 5 different people. I feel it is unfair that they were so negligent in dealing with my account and I fear it may now effect my credit! I have requested them to call me back when they straighten out my account and to send me a letter of apology in case my credit were to be effected. They never called me back and said they would not send me the documentation I requested to verify this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I transferred both of my 2 open lines from XXXX to XXXX XXXX, thus canceling my XXXX account. On XX/XX/XXXX I received a phone call from a customer resolution expert XXXX for XXXX stating I had a balance due of XXXX for final charges. I made an appointment to make that payment and did so on XX/XX/XXXX in the amount of {$130.00} which is {$30.00} more than my regular monthly bill. I was assured this was my last and final payment needed. 

In XXXX of XXXX after I receive absolutely zero notifications of a balance due, a collection appears on my credit report from Amsher collection services for XXXX. I contact XXXX directly to obtain details on the charges due and am informed they are unable to give that information due to the fact that it has been turned over to a collection agency and I must contact Amsher directly. I continued by contacting Amsher directly, in which they inform me that they are unable to give me details just that it was final charges. They state that they will request the final bill be sent to me. I have also not received this notification. I again contact XXXX over the phone and am informed to go into an office and they can print out the billing and payment history for me. I proceeded to a XXXX store, where I was informed that their system can only go back six months and they are unable to help me. After reviewing my last bill of {$130.00}, I noticed that the address it is addressed to is incorrect ( pg 22 of 22 ) however my correct address is on the bill highlighted on page 2 of 22. Nobody is able to tell me what these charges are for or why I owe them after already making my final 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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 XXXX, social security number, and date of birth written on the form. Transunion, XXXX, and XXXX  refuse to send my free 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 non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am trying to refinance my mortgages, and Specialized Loan Services is completely failing to respond to any inquiry from either me, or my new loan provider. I have attempted to contact them repeatedly in the last few days, and my loan provider has been trying for weeks. I've tried via phone and secure message and have been ignored.

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 2020-10-23 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: DISCOVER BANK
State: MA

Complaint narrative:
This account is really confusing me. The report is charged off yet when you look at the payment history, XXXX  is reporting all OK payments vs XXXX  reporting all CO remarks. How did that came to this? I would like to report this inaccurate report and have this taken out of my account.

Company response to consumer: Closed with explanation