vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I am in dispute in the amount of {$1500.00}. In XXXX I made two payments by mistake, so I called the company and they said they do not refund payments so one of the payments will go for the XXXX payment. I was fine with that. Then in XXXX my Bank sent a payment through Bill payment when I saw the funds were release I immediatly called my Bank XXXX and they said that they couldnt reverse the payment that I had to wait until it processed. I called United Whosesale Mortgage and they said that they hadnt gotten the payment to go back to XXXX in turned XXXX told me to go back the United Wholesale Mortgage and then United Wholesale Mortgage said wait to the post it and then call back. I did everything that they asked. I was told in XXXX XXXX that they would indeed refund the payment. XX/XX/2021 I called back because the funds had not caome and I was told that the papercheck was issued XXXX XXXX. I was told to wait a week and if I didnt receive the check to call back. I called back on XXXX XXXX and was told that the mail was late and give it to XXXX of next week to call back and they will escalate the complaint and give me other options. I told them that I need that payment to make the XXXX note that I couldnt afford any late charges on my account or credit. I told them that I can not afford to make another payment while waiting for them to refund me the payment. I told them I would not be making a payment for XXXX because I believe that they should put a stop payment on the so called paper check they say they sent and apply it to my account {$1500.00}. I dont care long this take and if it is not resolved in XX/XX/XXXX then I will only pay for XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2021-01-12 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I send XXXX XXXX a certified letter requesting validation because XXXX XXXX keep reporting inaccurate information on my credit reports with Trans Union, XXXX  and XXXX. 
I demand validation, instead XXXX XXXX sent me a letter stating it acted as validation. 

All three credit agencies keep allowing this inaccuracy. Simply not demanding the correct documents from XXXX XXXX thats allowing them to hinder my credit maliciously by reporting inaccurately that I owe 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 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have a cash app account under $ XXXX  - I paid for products that I never received and I believe I was scammed. I contacted the company and they did nothing. I want my money refunded for the following : XXXX XXXX XXXX XX/XX/2020 {$1000.00} XXXX XXXX XXXX XX/XX/2020 {$1500.00} XXXX XXXX XXXX XX/XX/2020 {$50.00} XXXX XXXX XXXX XX/XX/2020 {$800.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XXXX XX/XX/2020 {$500.00} XXXX XXXX XX/XX/2020 {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In applying for a home equity line Equifax informed lender I had too many new credit accounts opened in the last 12 months. 
This is incorrect. 
Equifax also claimed I had too many credit inquiries also incorrect. 
This lowered my score. 
Further Equifax alleged I had too many revolving credit lines with to high balances.These revolving lines like XXXX XXXX are paid off every month for the last 37 years.I use XXXX XXXX to pay most of my bills including phone bill and some business bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have submitted 6 disputes to Experian about XXXX XXXX XXXX account. 
Experian is the only credit bureau that is inaccurately reporting the information pertaining to this account and it is now showing deliquent on my credit report. My Experian credit report is significantly ( more than 30 points ) lower than my XXXX  and XXXX  credit reports because of this inaccuracy. 

Dispute 1. XX/XX/XXXX Dispute 2 .XXXX XXXX, XXXX ( closed in 2 hours ) Dispute 3. A second on XX/XX/XXXX Dispute 4. XX/XX/XXXX Dispute 5. XX/XX/XXXX Dispute 6. I also next-day mailed in a dispute with verifying documents to confirm the invalidity that the account was resolved with receipt from the collection agency. This was mailed on XX/XX/XXXX. 

The issue : This debt is being double-reported. I have confirmed with XXXX that the debt was sold to collections on XX/XX/XXXX. However, XXXX never reported to the credit bureau that the debt was sold, nor did the collection agency report receiving the collection. 

The following year, I called XXXX to pay the debt on XX/XX/XXXX and the debt was no longer in their possesion, I was provided with the collection agency 's information and resolved the account with the collection agency. 

I noticed in XX/XX/XXXX that this debt is still showing on my credit report as outstanding from XXXX and I disputed it with Experian. Since then, my credit has plummetted because the XXXX account was updated to reflect the dates of outstanding payments from XX/XX/XXXX to present, ( even XX/XX/XXXX has reflected no payment ). 

This account needs to be removed from all credit reports in entirety. XXXX is falsley reporting information on my behalf and the credit bureau is not doing diligence to investigate this inaccuracy despite receipts and factual documentation being provided.

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 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Dates : XX/XX/XXXX - XX/XX/XXXX Amounts : {$600.00}. - {$760.00}. 
AWA COLECTIONS are reporting false information, as this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
I originally opened a checking account in XXXX, received a promotional bonus and closed the account in XX/XX/XXXX. After seeing an advertised {$300.00} bonus which the terms indicated was " available to new customers '' in which " new customers '' were defined as " having no current or prior checking, savings or money market relationship within the preceding 12 months, '' I opted to open a new checking account in XX/XX/XXXX with the promotional bonus applied as I meet these terms. My prior checking account was closed 23 months before the current account, thus I am a " new customer '' and eligible for the bonus. 

The bonus required that one open the " beyond checking '' account and receive direct deposits in the amount of {$2500.00} within 60 days. I met these terms with a {$2500.00} payroll direct deposit on XX/XX/XXXX. The terms dictated that the bonus would post within 140 days of opening the account. 

The bonus never posted and, after multiple messages with customer service, I was told that I do not qualify for the bonus as I had a checking account in XXXX, violating the terms of the agreement. 

A message received on XX/XX/XXXX with a customer service representative indicated that I would not receive the bonus as I received a bonus on a previous account and that the terms stated " one bonus per account per customer and can not be combined with any other offer. '' The message further states that " account XXXX earned a {$300.00} bonus on XX/XX/XXXX the anew account does not qualify as this would be considered combining with another offer, and therefore the account is not eligible for this promotion. '' However, this is clearly contradictory to the terms of the offer, misstating the published requirements to earn the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: OH

Complaint narrative:
THE XXXX ACCOUNT HAS BEEN PAID IN FULL PLEASE SEE ATTACHED RECEIPT

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 2021-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
Hi Sir/Madam, This is regarding the company called WorldRemit on XX/XX/XXXX I created a money transfer to XXXX to my savings account in XXXX XXXX XXXX XXXX for USD XXXX i have done many transaction with this company but all are less than USD XXXX, until this date i did not get my money into my bank so last 10 days i asked them to cancel my transaction and refund my money, the response from them is that their XXXX partner is having a technical issue, so i did a transfer for USD XXXX to my same XXXX XXXX  savings account on XX/XX/XXXX just to see weather they are telling me the truth. to my surprise the USD XXXX got transferred in 10 minute to my XXXX bank, then i called again and told them this transfer. 
the world remit representative said that it's because now they are using yes bank, my transfer for USD XXXX was through XXXX XXXX XXXX and they are still waiting for the confirmation from them. this does not wound right to me. please help me in getting my money back. i'm attaching my money transfer receipt of both XXXX and XXXX and the proof of my XXXX bank account with the same amount. my worldremit customer number is XXXX. the transfer number for the disputed transaction is XXXX. 
the transfer number on the USD XXXX which was done on XX/XX/XXXX is XXXX please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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:
THE XXXX ACCOUNT HAS BEEN PAID IN FULL PLEASE SEE ATTACHED RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
THE XXXX/XXXX  ACCOUNT HAS BEEN PAID IN FULL PLEASE SEE ATTACHED RECEIPT

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 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a new Citibank Regular Checking account on XX/XX/2020 and provided opening funding of {$15000.00} from my XXXX XXXX XXXX checking account. Almost immediately, and before I took any other actions, Citibank froze my account and sent notice via the online portal that my account was to be closed. 

Citibank would not send the money back into XXXX  XXXX XXXX or provide any other avenue for me to get my money back. I was told at one point to XXXX XXXX  XXXX XXXX to pull the money back themselves, which they told me they could not do. 

Citibank has instructed me that I will just need to continue to wait and that there is nothing they can do to escalate the situation. I have been told that it could take " up to 60 days '' since the account was closed until they send me a paper check to return the money that they continue to hold. On my most recent call with Citibank on XX/XX/XXXX, I was told to call back again in the last week of XXXX " for an update '' since I am currently part of a queue in line with others and that they have other cases to process ahead of mine. 

This means that Citibank will have effectively been able to hold {$15000.00} of my money for ~2.5 months without providing me any avenue to retrieve it and without providing any sort of recompense.

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 2021-01-12 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: CA

Complaint narrative:
Case number # XXXX account # XXXX I was billed for a purchase on XXXX. the purchase was cancelled and the merchant was suppose to return the money like they did with the other charges that were cancelled. around the same time on the same card. 
Capital one was the credit card issuer. I have received nothing for this charge and informed capital one to dispute the charge. but for some reason capital one is not disputing any charges. I turn over a lot of evidence for the various charges and capital one always comes back even when the merchant does not even dispute the charge back, with, '' we need more information '' and because i did not provide the information they were asking for they repost the charge to my account and expect me to pay for something i did not receive. I am really getting tired of dealing with them and fighting them so many times for a charge back. that is very easy and legit. 
I want CFPB to fine capital one or refer capital one to a government agency which has the power to fine them. I have reported it to capital one with in the 180 days I am aloud to and even with a not received merchandise charge back there is no time limit.I am a XXXX  also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I had been attempting to pay online after the account was about 60 days past due during the month of XXXX. However, due to Covid the company , XXXX XXXX, also known as Bridge Crest had certain departments closed and had forwarded my account in advance to their special debt department. I called several times to inquire on how to pay since my account t had been closed and blocked from online payments, only to be told that I would have to speak to another department. During these calls I attempted to make a payment and the collections department refused to take a payment without speaking to an agent in the specialty department. On one call the agent stated that she was new and didnt know how to inform me to pay. After an hour on the call she stated that I would need to negotiate my payments but would need to call back in order to do so. In the first week of XX/XX/2021, I called in again after noticing that the account was showing additionally delinquent in which it should not have. I once again had to argue and go back and forth and after an extended period on the call they finally allowed me to make a payment. Two weeks later I received a credit monitoring notice that the vehicle was a charge off as bad debt. On the call with the agent this was never explained to me. Additionally the debt was behind, but now where near 100 days. I asked specific questions on the phone and I was fraudulently lied to. I feel that the company acted in fraud and in doing so broke the law. Additionally I feel that the individuals and the company failed to meet their legal obligation and instead discriminated against me due to their hatred for me as an individual that use to be employed there. Furthermore, when I worked at BridgeCrest the CFPB regulations were violated without question and I am 100 percent certain that this is another circumstance of the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: CBC Companies, Inc.
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: WA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation