vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 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 Have 2 collection accounts from XXXX XXXX that XXXX has already fixed and I've tried contacting Equifax and logging in to no avail. Keep getting a message try again later. One is for {$25.00} and the other {$35.00}. I have great credit and this is impacting my rates. These charges were paid by my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
I was sending money to a Medical Doctor Office for payment on services. I thought I could use remitly instead of going to my bank. Upon sending the deposit on XX/XX/XXXX I received a email from the doctors offices stating that my deposit was rejected because I did not send payment in the form of a wire transfer. I was advised from the doctor office to cancel the payment through remitly which I did immediately upon finding out that that form of payment was not accepted. Unknown to my knowledge remitly flag my account with them as fraud suspicious activities. I requested for them to refund my money because the Doctor cant use Remit as any form of payment and it must be provided through wire transfer through my bank. Remitly answer was for me to dispute it through my bank to get my funds back. I dispute it through my bank and remitly send them the response of that the transaction was completed and no refund will be issued. I then once again provided email and correspondence from the party I was sending funds to that explained remitly CAN NOT BE USED. Remitly is now refusing to refund my money until after 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have seen multiple credit inquiries on my XXXX  and Equifax credit file. I have a credit freeze in addition to fraud alert, but unfortunately, the bureaus refused to remove them, stating they believe the inquiries are legal and legitimate without question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reached out to the credit bureau and to no avail nothing was done. There are several inquiries that I did not authorize nor sign any type of application for any loan, car loan and etc. Please see the below : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of ID Theft since 2013 IRS, for the past year and a half I have also had to change my bank cards which is an awful inconvenience for me when paying my bills. I contacted the credit bureaus and the companies involved and ask for them to remove all negative items from my credit file. I mailed a copy of a police report to all of the companies and I am waiting for their responses besides actions. XXXX XXXX was excellent and responded immediately. I am waiting for XXXX and Equifax besides the companies which I spoke with explaining my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: Scott Fetzer Financial Group Inc.
State: CA

Complaint narrative:
I reviewed a copy of my credit report and UNITED CONSUMER FINL S ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights and a violation of my rights to privacy. Please investigate and remove such occurrence. 

Previously, I called and sent a letter to UNITED CONSUMER FINL S and asked the company to take action to get this unauthorized inquiry removed from your records, yet this unauthorized inquiry is still showing on my report.

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

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
in re : # XXXX Dear Wells Fargo, Your response is not sufficient, and I can not accept it. 
At this time, I am requesting to exercise my rights to dispute resolution by binding-arbitration, as stated in the 'Deposit Account Agreement ( s ) ' that were effective when I was a consumer. 
Please provide me with WF 's complete mailing address, legal email address, and fax number so I can begin the arbitration process with the XXXX XXXX XXXX. Failure to do so will be regarded as a breach of the terms which were mutually assented to.

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 2021-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I believe this may be an illegal loan in sate of California? Its over {$10000.00} with a crazy apr

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The pandemic of covid 19 hit and my husband and I both lost a huge amount of our income. I explained this to the loan company and asked for an extension. They repossessed our vehicle, vandalized and stole our personal property from the vehicle and sold it. They are reporting a balance late every month on our credit report. This is impacting us severely in the mist of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
The issue that I am having is that the company in question ( COLLECTION BUREAU OF AMERICA ) will not send me any formal validation of the debt, will not send me any formal letter in writing stating how much I owe or conditions and terms if I pay the debt. I want a formal agreement in writing that if I pay the debt, that it will be removed from my credit report and the representative at the company, XXXX XXXX has disagreed to do so, and told me this was not possible. First rule of doing these things is to always have everything in writing and they do not want to do so until AFTER the debt is paid, which is bad practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I deposited a money order for {$960.00}, bought through XXXX XXXX, from one of my XXXX on XX/XX/2021 into my XXXX account at Wells Fargo Bank in XXXX Colorado. On XXXX XXXX Wells Fargo sent me an E-Mail that there was a stop payment on this money order and that they were deducting {$970.00} from my account.. That include {$12.00} for returned check.. 
XXXX XXXX says this check was cashed on XXXX XXXX, Wells Fargo says no there was a stop payment on it.. 
I am out {$960.00} and do not now who to turn to in order to get my money back..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07 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: OH

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX i sent letters regarding inaccurate and unknown information on my credit report. To this day 5 months later i have not received a response nor proof of contract or application regarding accounts. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and has been over 5 months. i demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have lost my XXXX XXXX to log into Binance.US. I have submitted ticket # XXXX but am not getting any response. They are holding my money hostage. I have submitted all the verification possible but nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My payment was late but I had scheduled a double payment for the next month as soon as I realized I had forgotten. Comenity Bank harassed me by phone with at least 10-15 calls a day all from different numbers and they dont let a message. My payment was scheduled but they continued to harass me, even in the evening and on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights and a violation of my rights to privacy. Please investigate and remove such occurrence. 

Previously, I called and sent a letter to XXXX XXXX XXXX XXXX and asked the company to take action to get this unauthorized inquiry removed from your records, yet this unauthorized inquiry is still showing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I want the following accounts to be removed from my credit report asap. See the list here : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to the bank on the XXXX XXXX XXXX I withdrawal a {$100.00} Leaving my balance at {$300.00}, when I check that later on tonight The bank said I had only {$200.00} hey my bank account so there was {$100.00} missing out of my account

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 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is committing fraud and illegal activity under FCRA 609 by fraudulently and illegal placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX XXXX and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim. I DO NOT have or owe Any of the credit card amount, this is fraud under FCRA section 609 and it must be removed from my credit reports immediately. this company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CAN JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY. THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVESTIGATION BY THE ATTORNEY GENERALS OF THE THREE STATES, THE CFPB, THE XXXX XXXX DATABASE, THE FTC, AND I AM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING XXXX XXXX AND ILLEGAL ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
Received a notice from the Town that a lien with a XXXX fee will be placed on the property XX/XX/XXXX if the property taxes where not paid. This was a surprise to me as Freedom Mortgage handles my escrow account and receives any tax bills. Freedom did pay the homeowners insurance but failed to pay not one but two property tax installments for a total of XXXX and XXXX in interest. Freedom was notified about the issue electronically and in writing XX/XX/XXXX. They where also contacted again when the issue still wasn't resolved. They said more research needed to be done and I would have an answer no later then XX/XX/XXXX. Well its XX/XX/XXXX and the taxes have not been paid and continue to accumulate interest. The total now stands at XXXX. This years tax bills are also approaching soon. Another interesting note is that I pay XXXX every month for taxes and insurance but there is only XXXX available in the escrow account. Money was also transferred over during refinance XX/XX/XXXX from the other loan. If only the insurance was paid and not the taxes then where is the rest of the money? And yes my mortgage payments are made on time every month as you can see in the attached statement.

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 2021-06-07 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 Capital One posted a charge of {$190.00} on my account. I have disputed the charge and explained to Capital One that the merchant made a mistake, and a bottle of wine that I bought was only {$19.00}, not {$190.00}. Capital One denied the chargeback request and made the summary determination that no error had occurred, without conducting any investigation or reasonably considering other evidence in its own records, including my spending habits in over 20 years of history with Capital One. Capital One also did not request additional documentation from merchant, such as itemized receipt showing the name of the item that merchant claims I purchased, or inquiring if the merchant has a single bottle of wine in his store that costs {$190.00}. 
Capital One refused to further investigate the matter.

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

Complaint narrative:
I want the following accounts to be removed from my credit report asap. See the list here : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
XXXX had done a recall on their treads. I had purchased mine and financed through Affirn which was paid off in full and early ( XX/XX/2020 ). My bank account details have not changed but since the account was paid off more than 180 days ago they refuse to send my refund through ACH deposit and will only issue a check which can take 21 business days. I am moving out of state and shared both my current and future address with several people at Affirm. My address wasnt updated and I am afraid my refund check will be lost in the mail and its almost {$5000.00}. I asked them to refund through ACH deposit and they wont. No one can give me a straight answer at Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: OH

Complaint narrative:
Moneylion a XXXX company placed a hold on my account Thursday due to suspicious activity so I called like I was asked to not only did they not remove the freeze they refuse to remove it til they investigate my explaination for using the account I've veried my identy on the phone then with emails and still locked out of it I requested a supervisor both Friday and again today with no luck I have XXXX dollar in my account and only paid my lawn service

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

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I am in a process of buying a property. 
Mortgage officer is XXXX XXXX, the company name " Guaranteed Rate ''. 
NMLS ID : XXXX I was promised particular interstate of 3.75 % and particular monthly payment on it. So I paid earnest money deposit, inspection fee, appraisal fee etc in order to move forward towards closing. 

However, right before closing, he increased an interstate rate and of course all other monthly costs are now was also increased, even though he promised to keep the interstate rate locked no matter what. 

I am not agree with new terms. So now I am going to lose all the money I put into buying process, which is more than {$3500.00}.

Company response to consumer: Closed with explanation