vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I HAVE NO RECOLLECTION OF EVER USING THIS CREDIT SERVICE OR APPLING FOR ANYTHING WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: OH

Complaint narrative:
I received a letter offering a refinance on my home. I called and started talking to the loan officer in XX/XX/2021. I applied for a loan in XXXX in writing online with Intercontinental XXXX XXXX. They provided a disclosure form with " worst-case scenario '' numbers that I had to sign stating I received this form. They had me submit several documents online to their portal with all my financial information. All was good. Credit score very good over 800. Was told in early XXXX I was "??? approved. They have changed the loan closing document several times, usually adding fees, reducing credits, increasing the current loan payoff, and increasing the new refinance loan amount. I have continued to make my current mortgage payments on time so the current loan payoff is decreasing. They notified my home insurer and had them change my policy to include them on the insurance policy, and they contacted a closing company to perform the closing. The insurance company and closing title agency have notified me about the process being completed. It is now XXXX and still no closing. The last communication was when this company tried to add fees to the loan for the delay and it is they that are delaying the process. I have called and emailed several times to the ( now new ) loan officer. Also, I have called and emailed several times to the loan processer person. I have also emailed their supervisors several times. I have written to the customer service department email twice. The title company has also tried to contact them On all of these attempts for communication and or resolutions, I don't even get a response. I want them to fulfill the loan I applied for. This has gone on for way too long. I am beginning to think they made a false promise to make me a loan. Maybe they are selling all my personal financial information. I don't understand why they would lie. They have not completed the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Atlanticus Services Corporation
State: TN

Complaint narrative:
An unauthorized charge of {$160.00} was made on my XXXXFortiva XXXX on XX/XX/21. The payment went to an entity called XXXX. I have never heard of or used this company. I immediately contacted XXXX and they canceled the card and issued a new one. Two other fraudulent charges, another to this same entity and one to another entity were pending when I notified XXXX and those never posted to my account. I have submitted a fraud statement but the charge, plus interest is on the account and the account is being reported as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: WA

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and 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. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: WA

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and 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. Please resolve this manner as soon as possible thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for this Regions account specifically because they were offering a {$200.00} sign up bonus and they are currently still offering this bonus for new sign ups. I read the terms & conditions and made sure to follow them. They delayed shipment of my debit card for nearly 8 weeks, whether that is their fault or the XXXX is impossible for me to know. What I do know is I activated the debit card the very same day I received it and used it the required number of times to make sure I fulfilled the bonus requirements. 

I sent a secure message to Regions asking when to expect my promotional offer to be credited to my account and they said I failed to meet the debit card requirements. I sent another message explaining the delayed delivery of the debit card and they disabled secure messaging on my account and refused to respond. 

I do not understand the point of false advertising to get me to sign up for a bank account and then creating poor relations with me to not want to bank with Regions any longer instead of treating me fairly and possibly creating a life long banking relationship. They are using deceptive advertising to get people to sign up for bank accounts.

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 2021-11-19 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filed complaint after complaint about this issue. I called and paid my debt with Well Fargo. Submitted my complaint. Every couple of days Wells Fargo & XXXX are changing the status of my settled account. Today after waking up I was informed that Well Fargo updated my account to severally delinquent and past due. Dropping my over all score by 100 plus points. I am in the middle of buying a house. Ive submitted my letters proving payment and Wells Fargo even stated in my last complaint that the account was settled. Im at a lost at what I can do? Please take a moment to correct this account. This is absolutely absurd. If I end up losing the house ive spent thousands on because this account is reporting wrong legal actions is going to have to be taken. 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 non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank/Paypal Credit was supposed to be investigating my complaint. XXXX XXXX from the Office of the President left one message on my phone. I returned the phone call the following business day. She never returned my call. I called two more times, I believe, and left a message to return my call. No one ever called me back. Now they have closed the case citing I was not available. Part of my main complaint was how Paypal/Synchrony Bank does not contact customers who have complaints. This only goes to show that they do not care about a customer who has been scammed by a Merchant that ruined personal property. 
I still have the XXXX XXXX voicemail on my phone. I am willing to provide the details from that message if necessary. 

Refer to initial complaint # 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 2021-11-19 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: Advantage Credit, Inc.
State: FL

Complaint narrative:
My credit had been pulled 2x additional times " without '' my consent for closing on a home with XXXXXXXX XXXX who delayed my closing for no apparent reason not making me aware of what was going on. I finally closed on XX/XX/2021. My credit was pulled XX/XX/2021, ( 7 ) days prior to closing without my consent, XX/XX/2021, and XX/XX/2021 by " Advantage Credit , Inc ''. I had a XXXX credit score. I asked the mortgage company, XXXX XXXX XXXX, why it was pulled, he said he is not sure. I perform a primary home purchase and interest rate was extremly high 5.5 %. I asked him to lower it several times and said he was unable to do so. The additional 2x hard credit pull dropped my score to XXXX and 2 additional hard credits pulls. I appreciate the last 2 hard credit inquiries " Removed '' asap. It is affecting my number of credit pulls and credit score. It has also affected my ability to obtain other credit cards and/or home purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
In XXXX XXXX I found out an account with avant credit card was open up in my information, {$300.00}, yet only {$50.00} used, showing as of XXXX XXXX up to {$110.00}, contacted company to report an fraudulent account, all the document was sent and I received an email XXXX XXXX that the account will be removed from my credit report. XXXX XXXX I notice it still on my credit but closed, however avant is still reporting to my credit late payments. I sent an email to the address that was giving to me they that taking care of and got no respond from there and still on credit. Id like to get that taking off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I attempted to withdraw a bit over {$40000.00} from Gemini via wire transfer on XX/XX/XXXX with the expectation that my money would be available immediately or at least within 1 business day. By XX/XX/XXXX it was clear something was wrong as the transfer was showing as " complete '' on the Gemini website but no funds were transferred to my bank account. When I attempted to contact Gemini customer service they stated merely that my transfer was complete and provided no further information. I requested more information including when I might expect to receive the funds, information about the wire transfer such as the federal wire transfer reference number, and received no reply from Gemini customer support. They have no phone number or real time customer service and have not given me any indication for how long I should expect this to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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 — Other problem getting your report or credit score
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
all colony brands tradelines and cards are in collusion with XXXX XXXX AND FACE A CLASS ACTION LAWSUIT FOR FAILING TO UNSUPPRESS OUR CREDIT FILES AND TO RE-INSERT OR DELTE FILES SINCE XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was mistakenly charged {$50.00} for a missed appointment fee from XXXX XXXX. The appointment was cancelled in advance and I was charged the {$50.00} by mistake. This account was placed in collection and appeared on my Equifax and XXXX credit report. I paid the {$50.00} regardless of the mistake ( I cancelled the appointment in advance and should not have been charged anything ). I contacted XXXX to dispute the error and the account was immediately removed from my credit report. I then contacted Equifax to dispute the error and Equifax did not remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them and they are constantly reporting on my account. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charged off : XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} Collection : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
MIDLAND FUNDING, XX/XX/2017, {$3800.00} MIDLAND FUNDING, XXXX, {$1300.00} MIDLAND FUNDING, XX/XX/2017, {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OK

Complaint narrative:
My information was compromised in a Coinbase data breach. It was then used in a sim swap scam that began at XXXX central time XX/XX/XXXX. I attempted to reach out to XXXX support, but they have not been forthcoming or available. I lost {$600.00} in assets on XXXX. Additionally, the scammers have been charging my bank accounts and XXXX will not stop this activity or secure my information.

Company response to consumer: Closed with explanation