vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: NM

Complaint narrative:
On XX/XX/21 I sent a check to Novad Management Consulting in the amount of {$170000.00}. I would like to mention that this was after several calls and emails requesting a payoff. I sent the check via XXXX XXXX and have received notification that it was signed for. This was to pay off my deceased mothers home. I have called Novad several times and have held for a minimum of 45 minutes each time. The last time I called them was on XX/XX/21. I was told that I would receive a call back within 5 days. I have been told this every time that I call. I have never received a call back from Novad. I am not able to sell my mothers home without the release of mortgage. I have also checked with the county of XXXX and a release has not been filed. With all of the fraud that is happening I am concerned that the check was cashed by a scammer. I have let Novad know my concerns when I call but they say they can not tell me if the check was processed. They will not give any info. It sounds like it is just a message center. They read you a script in response. The FHA case # is XXXX. My mothers name is XXXX XXXX and the property address is XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: GA

Complaint narrative:
I contacted you all back in XXXX about some things I saw on my credit that is not mine and has asked for it to be removed. Some did come off except XXXX XXXX XXXX. Please help me with this as Im doing this by myself and need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had a car loan with XXXX XXXX XXXX but the car and the responsibility for payment was awarded to my ex wife in the divorce. When it became known to me that the payments were in default and collection activities had began i called in to report the location of the vehicle so that they could pick it up before any damage was done. I was told that i could not make any changes to the account in any way since i was not a member of the credit union. The account access was given to my ex wife only who had moved without reporting her address. Several months passed before they would talk to me about the account outside of demanding payments. I assisted in the collection of the vehicle even though the court specifically stated i had no further responsibility for it or any debt associated with it. They collected the vehicle and keys voluntarily and sold the vehicle but was not able to get the value for it because it had body damage at this point and had depreciated over the course of the year it took me to get it for them. They then demanded the rest of the loan balance from me and i submitted the divorce decree. I also paid for credit repair to help clear things up after the divorce. They just wrote it off as bad debt and let it sit in my credit for years. My ex wife has since claim bankruptcy and this should have been on it.

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 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: OKX INC.
State: VA

Complaint narrative:
I purchased cryptocurrency in OkCoin. Their XXXX XXXX identity verification system will not verify my identity because they say the pictures of my id are too blurry using their system. I have sent them clear pictures of my identity and asked to discuss other solutions. They will not provide me with any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
I have disputed inaccurate information on my credit report with Experian, XXXX, and XXXX and they have NOT complied with any of my requests! They are just sending me computer generated responses and have NOT investigated this information with each furnisher as per FCRA guidelines!

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 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I went to XXXX to make an ATM withdrawal for money and never received the disbursement when the time came. I called the owner of the card immediately and was advised to complete forms for an investigation to receive my money back within ten days if I qualified or wait 45 days to get refund of money never given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found 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 reporting on my Credit Reports :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
I have disputed inaccurate information on my credit report with XXXX, TransUnion, and XXXX and they have NOT complied with any of my requests! They are just sending me computer generated responses and have NOT investigated this information with each furnisher as per FCRA guidelines!

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 2021-09-09 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: TX

Complaint narrative:
I have disputed inaccurate information on my credit report with XXXX, XXXX, and Equifax and they have NOT complied with any of my requests! They are just sending me computer generated responses and have NOT investigated this information with each furnisher as per FCRA guidelines!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened a personal checking account ending in XXXX on XX/XX/XXXX online through BM0 Harris Bank with the promotional code for a {$200.00} bonus if {$4000.00} was DD within 90 days.

The following DD were made : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I deposited a total of {$4000.00} within the 90 days. 

On XX/XX/XXXX through BMO online message, XXXX stated that I would receive the bonus within two weeks. I have not received the bonus yet. Today is 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 2021-09-09 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: GA

Complaint narrative:
XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX XXXX Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by me.

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 2021-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX  - Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by me.

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 2021-09-09 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
Disputed with credit reporting agencies and to no avail. 

Exeter Finance repossessed the car over three months ago. I received no paperwork about auction and sale of vehicle. Debt is still illegally amounted on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX, my Bank of America Unemployment Benefits account was charged {$1000.00} per each of these days ( total of {$3000.00} ). These transactions were fraudulent. Upon noticing this, I immediately contacted the Bank of America Claims Department and filed a claim for fraudulent transactions. They informed me that there would be a review process and that I would eventually know the decision. Later, I received a letter explaining that they concluded that they would not return the stolen {$3000.00}. I immediately contacted Bank of America again, and they had me file a police report. I promptly submitted the police report to the Claims Department. They assured me the claim would be reopened for review. However, I later received a letter saying that the original decision to deny my claim would stand. I have called the Bank of America Claims Department at least three times regarding this fraud issue, and every time they reopen the claim and then deny any compensation. No reason was given for the decision at any time for this case of clearly fraudulent transaction. Yesterday was my latest attempt to open the case, at which case I was asked to resubmit the police report, which I have done. It has now been approximately six months since my initial contacting of the Bank of America Claims Department, with no progress.

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 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
On XX/XX/21 I sent money to my brother using WESTERN UNION to XXXX, I specifically requested for my brother to receive U.S. dollars. WESTERN UNION charged me {$18.00} for fees for my brother to be able to receive U.S. dollars. When my brother went to received the remittance 3 of the WESTERN UNION places that he went to they told him that they do not have U.S. dollars to give him instead they told him he either get it XXXX Peso or go to other branches. My brother can not wait my sister-in-law is ill and she needs to see a doctor, so end up receiving Peso instead of a dollars. I called WESTERN UNION and ask to get a refund for charging me {$18.00} instead of {$8.00} for receiving peso. The 2 Customer Representative gave me a case number and told me to wait 90 days for investigation! 90 days for investigation can you believe that? I also want to know why my brother received {$99000.00} instead of {$1000.00}? WU told me that is for XXXX taxes, but they also charged my brother another {$3.00}. I already paid the fees here so it not burden to my brother since they are experiencing very strictly lockdown and no job and they are very poor. How many times WU will milk money to their consumer? That is why I am filing a complaint against WESTERN UNION. The company is deceiving their consumers. This is not about the money, its the principle. They charged me {$18.00} so he can received U. S. dollars but he did not so the difference was if I ask them to received XXXX Peso they will charged me {$8.00} so WESTERN UNION should refund me {$10.00} because they did not provide my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, a MoneyLion account was fraudulently opened in my name. A loan for {$1000.00} appears to have been taken out. Additionally, several payments were charged to my personal checking account and sent to Moneylion : 2 on XX/XX/XXXX for {$19.00} each, and 4 on XX/XX/XXXX for {$97.00}, {$45.00}, {$19.00}, and {$19.00}. I reported these fraudulent charges to my bank, XXXX, and they were reversed. However, the loan account has remained open. I filed a dispute through XXXX, but they deemed the account information as " accurate ''. Missed payments are beginning to show up on my credit report and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: MD

Complaint narrative:
XXXX, Equifax and XXXX was notified by certified mail of a bankruptcy on my credits reports on XX/XX/XXXX XXXX To remove it off my public records or investigate while its XX/XX/XXXX and i have not heard anything from them. Its been a ongoing problem since XX/XX/XXXX they sent me a letter stating that the courts of bankruptcy verified the bankruptcy and the courts sent me a certified letter stating that they don't release that kind of information its illegal for them to. I would like for it to be removed because they didn't provide me accurate information nor respond in a timely manor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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:
Transunion, XXXX and XXXX was notified by certified mail of a bankruptcy on my credits reports on XX/XX/XXXX XXXX To remove it off my public records or investigate while its XX/XX/XXXX and i have not heard anything from them. Its been a ongoing problem since XX/XX/XXXX they sent me a letter stating that the courts of bankruptcy verified the bankruptcy and the courts sent me a certified letter stating that they don't release that kind of information its illegal for them to. I would like for it to be removed because they didn't provide me accurate information nor respond in a timely manor.

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 2021-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
My Account # is Account NumberXXXX I paid off the Account and have not received the title. I sent a copy of the odometer statement numerous times by mail. 

I paid the car off XX/XX/2021 I have called numerous times, and get treated poorly. 

Please send me my car title. 

XXXX 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 2021-09-09 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:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
On XX/XX/2021 I discovered an unknown third-party " medical '' collection account being reported on my credit reports by Trident AM, LLC. I immediately notified Trident that I disputed this collection account and demanded that they validate and verify this account. Additionally, I demanded they immediately stop reporting this disputed third-party debt. On XX/XX/2021 Trident once again reported this disputed third-party debt in violation of FDCPA. On XX/XX/2021 I've provided written notice of my intent to file a small claims lawsuit against Trident pursuant to my rights under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation