vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: MO

Complaint narrative:
Let me start by letting you know Im getting very frustrated as I have been trying to resolve this with you for over a year now. You recently sent me a letter which stated that you verified that a bankruptcy is accurately reporting on my credit report. I wrote back to you on XX/XX/2021 and did not receive a response and the disputed information still remain on my credit report causing harm to my character. Ive filed complaints with CFPB and the Missouri Attorney General against your company after I have documented that you are not telling the truth. I have evidence from the courthouse that this information was never furnished by them so your company DID NOT follow proper procedure to obtain this information. 

There is no such thing as a public record for the consumer because I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You can not continue to violate my consumer rights! 

If you investigated this bankruptcy, tell me who you interviewed and if you interviewed them, it should NOT include facts pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXX, I entered The XXXX XXXX to purchase a generator. After attempting to use my debit card, the check out person XXXX from XXXX XXXX recognized that I did not get a receipt from the transaction so after calling management, he did not allow me to leave the store with said merchandise understandably since there was no record of the purchase. I then checked my account on the application and seen that on the Capital One app it had indeed debited my account for the total amount of the transaction and being surprised, I showed the cashier XXXX the app which showed it indeed was taken. He said to contact my bank as there was nothing else they could do. I called Capital one 360 at that moment while still in the store and got through with an agent who explained that since they are saying it didnt go through, he would refund me the funds and conduct an investigation. That was the last thing said and I assumed it was taken care of. 

Fast forward a month and a half later to today, I get an email from Capital One 360 that they denied my claim due to proof from merchant that it was a valid transaction and that they would be taking back the money for the purchase that did not go through. After catching an anxiety attack, I called Capital One 360 to ask how they could come to this conclusion and an off shore agent with a lack of empathy told me that the merchant satisfied there investigation and therefore they concluded that it would be taken. I rushed over to The XXXX XXXX to see what proof they provided and was told that there was none, no record of that purchase was found and further, loss prevention checked the camera on said day and confirmed that I did not walk out with any merchandise on XX/XX/XXXX. They provided me proof that the money was not taken due to the transaction failing, or something to that effect but Capital One still insists that they have proof that was sent to them by XXXX XXXX of it being valid which is impossible because they do not have any account of me making a purchase that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CA

Complaint narrative:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. Its been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: NM

Complaint narrative:
I moved out of an apartment complex before my lease was up. The current owners of XXXX XXXX XXXX in XXXX NM at the time was XXXX. They took this to court and a judgement was filed for the amount due for breaking the lease of {$2200.00}. The account was then sent to Pro Collect but had additional rents tacked on to it. I have been trying to get this company to take a look at the statement and understand that they charged me for the full month of rent for XX/XX/2019 of {$720.00} and then they also charged me another {$410.00} for XX/XX/XXXX through the XX/XX/2019. So essentially they are charging me above my contracted amount for XXXX rent. I have called and sent emails and every time they get extremely hostile and aggressive over the phone and just keep saying " your refusing to pay this debt '' not one person has looked at this however and realized that it is wrong. When I ask for the original creditors information to contact them they refuse to give it to me and they also refuse to work out a payment arrangement stating it has to be paid all at once up front. No where in the Lease agreement does it say they can charge me 1.5 times the amount of rent for one month. This is illegal and they refuse to address this issue. I will not pay a balance that is not correct.

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 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX and XXXX of XXXX, Alabama XXXX. For four weeks have been avoiding discussing a lien which was placed by American Express. They have since blocked our emails and will not return phone calls. We have reported their behavior to the Georgia Department of Consumer Affairs who'd requested via email that XXXX XXXX from XXXX and XXXX speak with us. We've reported their behavior to the Alabama State Bar. XXXX XXXX failed to follow through on communication after sending our paralegal on a wild goose chase. She has since blocked all communication. In the interim, the buyers are living in my home and I am going into XXXX on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have tryed to contact this company ( Coinbase ) over 65 times, you can not contact them by phone only email, they will not let me access my account, and they will not send me security codes to my phone .WE have gone back and forth with this company for 5 months, they are such a scam artist company,,, what kind of company has no live customer phone service?, that should have been my 1 st clue that they were fraudulent, i have contact New york State banking commission , and other agencys, i will serve them with acompliant if you cant help me. I transfered {$1000.00} back in XX/XX/2021 to them, and its been a nightmare ever since. I will contact my bank to see if there any recourse., but im sure they wont be able to, ,please forward this case to any other agencies thyat you think might be able to help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I got a copy of my credit report and i seen alot of inquiries i do not recognize, authorize or consent to. I don't know how they got there and i would like for them to be removed immediately please. 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 explanation
Consumer complaint received 2021-08-26 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 — Problem with personal statement of dispute
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
Sagestream llc.com. they run XXXX XXXX for your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Since XX/XX/2021, I've attempted to do a short sale with my mortgage lender and they are still in the process of trying to foreclose on my home. I have been offered a short sale option on multiple occasions by PennyMac prior to actually applying and now that I've submitted all of the required paperwork, they refuse to review it. They've wasted tons of paper mailing me applications to apply for the short sale and are now telling me that the foreclosure auction date is too close for them to review my file when there wasn't even an auction date scheduled at the time that I initially applied in XXXX. They didn't decide to schedule a foreclosure date until after I submitted an application, which is a complete slap in the face to me as a struggling homeowner. Not only have I submitted a completed short sale application, but also an offer from a willing and able buyer and PennyMac won't even so much as tell me what are the minimum net proceeds that they'd be willing to accept as an offer. I'm so confused as to why they would offer me something just to refuse to allow me to apply for it. I fell behind after I lost my job over two years ago and I could not afford to catch up. Please help me get through to my mortgage lender because I should not have to go through this when I've done everything that's been asked of me to apply for the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MS

Complaint narrative:
This car is reporting as a charge-off, and should be off my credit report or reporting 100 % on time payments with no charge off reporting. This car loan has been settled with XXXX XXXX as a unlawful repossession due to unknown charges through collateral protection insurance. I was given monetary compensation and was told by XXXX XXXX that this loan will be removed from my credit report or reported 100 % on time payments with the charge off status taking off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
My wife and I want to refinance, to reduce interest paid and not increase ( much ) the time left on our current mortgage. My wife is abroad, will remain abroad for another few weeks. She appointed me as a Power of Attorney and an attorney drew up the document which she properly signed and which was notarized a couple years ago. We own our home jointly. 

The refi company, loandepot, asked for a copy of the POA. I work at home, have neither a scanner nor a FAX. I took a photo of each page of the POA with my XXXX, imported the photos into XXXX, and saved it as a pdf. In an email dated XXXX XXXX  Tuesday, XX/XX/XXXX, the direct loan processor at loandepot working with me, XXXX XXXX, wrote me in an email, " Power of attorney was approved yesterday evening '' and loandepot scheduled closing on XX/XX/XXXX. Closing seemed to proceed more or less OK, although I found various detects in loandepot 's documents ( they got my birthday wrong by one day, although the closer had copies of my photoIDs ( passport and drivers license ) for over a week ) ). I offered twice to show the closer the original POA but he declined, stating it was not necessary and that it had already been approved. 

Now loandepot wants me to scan or FAX the POA to them immediately. The demand comes in phone calls from individuals claiming to be loandepot ( how to know an unexpected caller is legit? ) and was not made in writing until I complained to them today. I own neither a scanner nor a FAX. It is not clear they will fund the mortgage. We will suffer some financial consequences if they do not fund and we eventually have to accept a higher interest rate from someone else. On Monday evening XX/XX/XXXX, I got fever and other symptoms and on Tuesday got a XXXX test. If I were not required to quarantine, I would happily go to XXXX and scan the POA but I am in XXXX. loandepot 's written statement that the POA is approved does not bind them, apparently, and they seem to push me to violate law to satisfy their arbitrary change of mind. Violating quarantine is not something I will do. 

A POA is a powerful document, our attorney advised us. He also advised us not to make copies available too easily, lest someone gain a copy and seek to use it fraudulently. So I prefer not to upload my wife 's POA onto your website. I am available it you want to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XXXX XXXX a dispute was filed with Chime Bank in regards to an XXXX item that was not received on and after the expected delivery date. It was for Claim No. XXXX for the amount of {$160.00}. A dispute form was emailed to and was completed and returned to Chime Claims Department the very same day. 
Regulation E of Banking Rules state that if a customer has a dispute, notifies bank in writing, is entitled to provisional credit of the amount in question. Bank has to reach a resolution within 10 days, and if institution can not reach a resolution within that time frame, they are to provide provisional credit to the customer. That wasn't done. And what's worse, Chime advised me that due to the nature of my dispute, I wasn't entitled to provisional credit and that the claim wouldn't reach a resolution until XX/XX/XXXX. Chime was confronted with the facts, but rather than come up with some competent answer, decided to send me " form emails '' repeating the same nonsense excuse. I, in addition, submitted additional information to Chime Claims, with no confirmation stating they'd received it. 
Chime is in violation of Banking Regulation E, and I demand that my funds in the amount of {$160.00} be returned to me immediately. Chime is deliberately causing financial hardship in addition to violating banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
TRANSUNION IS ONLY ONE BUREAU who has refused to investigate and remove these fraud accounts from my report. 
1. This account resulted due to identity theft.

XXXX Account Number : XXXX Please remove this account from my credit report immediately!

2. The following account is not mine XXXX XXXX Account Number : XXXX  Please remove this account from my credit report immediately!

3. Validate Account XXXX Account Number : XXXX Please remove this account from my credit report immediately!

4. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX  Please remove this account from my credit report 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 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital one bank us, XX/XX/2017 paid off account still shows on reports of XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX 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 reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CA

Complaint narrative:
Equifax has removed all my accounts from my credit report again causing my score to drop to the low XXXX 's. When my score should actually be XXXX. I have contacted them before, they fixed it and then they did it again. They removed all my accounts from my profile causing my score to drop once again. I want them to fix the information once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I had misplaced all of my information during Hurricane Sandy and I was XXXX  for 3 years. last year I had Covid 19 and I was in a XXXX  and XXXX   for 2 months. When I returned to my home, I started receiving these letters from collection companies and upon further investigation I realized that these accounts were never opened by me. I contacted the various collection agencies on XX/XX/XXXX and again on XX/XX/XXXX. I have not received responses from many of the agencies that I contacted and as a result, none of the issues have been resolved. 

I have a child who has started college  last year, and this has seriously affected my ability to obtain financial assistance for him to further his education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
In this month XX/XX/2021 ( not sure of date ) I applied for a loan from Wells Fargo. The house that I want to finance is free of any debt. I really want to finance the house to make repairs. I applied for $ XXXX- {$30.00} to complete all repairs. I was turned down without any explanation or reason, why because of the neighborhood or my race or my sex. I have been with Wells Fargo over 20 years. Maybe its just not enough money for them to consider the the financing. 
I am so used to being mistreated and turned down because of my race, age and gender but I am also angry. Why? Wells Fargo did send me a packet but soon after a letter followed saying that they were sorry that they were not able to help me. 
XXXX XXXX XXXX XXXX wi 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 2021-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: KY

Complaint narrative:
Money was supposed to be debited on XX/XX/21, money was debited on XX/XX/21. I contacted Earnin and they instantly put the money back in my account. There 5 debits cleared the bank before my bills did, so I had a bill rejected that resulted in an overdraft fee. The money was in there to cover my bills, but the Earnin debits cleared instead. Earnin refunded 3 of my overdraft fees caused directly by their debits, but refuse to refund the fee caused by my bill being rejected, even though the bill would not have rejected had they not taken their money out on the wrong day.

Company response to consumer: Closed with explanation