vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have inquiries on my Transunion credit report that i didnt authorize the dates of these inquiries is XX/XX/2021 from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX i called Transunion and spoke to 2 different representatives about doing a dispute and investigating these inquiries the first representative told me i needed to get a police report the second representative said they could not remove the inquiries but she never put in a dispute for them I have sent letters to the companies and sent a certified letter to Transunion i havent heard anything from them or the companies. I called the companies as well but they couldnt give me any information because i am not one of there clients. I wrote Transunion a letter 2 times

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 2021-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I have tried to close my account and receive my {$100.00} balance three times. Every time I call them they say they will close it, but then I check online and my account is still not closed. I requested the account to be closed and requested that they return my {$100.00} balance.

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 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
During load payoff process the mortgage processor ( Chase ) received my check on XX/XX/2021 at the address where my monthly payments are normally sent along with the payment stub that comes with the monthly statement. Chase did not record receipt of the check and forwarded it to their loan payoff department. On XX/XX/2021 I noticed that the payment had still not been processed ( which was now 11 days after the check was sent ). I contacted Chase and they indicated that they had no record of receiving the check and suggested instead that I visit a local Chase branch to make the payment in person. I contacted my bank and they verified that the check had not been submitted for payment and I initiated a stop process at a cost to me of {$31.00}. I made the payoff at the Chase Branch on XX/XX/2021 but was required to pay interest on the loan through that date, which was {$120.00} higher than my original payment. As if by magic my original payment made it to the payoff department on XX/XX/2021 and they returned it to me as the loan had already been paid off. Chase 's stated policy is that checks will be processed the day received. Regardless of where they received the check I feel that the account should have been credited that day and not 11 days later as they clearly opened the correspondence and evaluated the check and my account to the extent that they realized that it would result in a full payoff. I contacted Chase about refunding my interest overpayment and they were uncooperative in dealing with the issue even though their mismanagement cost me an extra {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: MD

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A charge for {$29.00} that posted XX/XX/2020 on one of my accounts was not made by me, therefore I was not aware of the charge. I received no notification that I had a balance on my credit card ( the card was previously at {$0.00} ) from XXXX. The payment went 30 days delinquent in XXXX, which is how I found out about the charge in the first place. I paid down the balance to settle the account, thinking it was a membership fee until I investigated further and realized it was fraud. I have disputed this charge with XXXX and Equifax 3 times. Neither bureau has removed the derogatory mark from my report. My dispute with XXXX XXXXemoved it on the first try, so their investigation obviously concluded the charge was fraud and verified my concern with the bank. 

With XXXX and Equifax being used so often by companies for credit checks, it is imperative that this inaccurate mark that has a massive impact on my credit score be removed immediately, for each bureau. It has already hampered my ability to attempt to consolidate my debt. These companies have a major responsibility to do better with so much power over ones financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX. I.C Systems flagged my consumer report with an account from XXXX. After spending hours on the phone with XXXX, I was notified that this account was open fraudulently in XXXX under my name. There was no social security number tied to the account just my name and an address that I never lived at and not familiar with. I.C Systems have violated my rights under the FCRA " Permissible purposes of the consumer report '' 15 USC 1681b. They are furnishing my consumer report without my permission. They also failed to conduct the proper investigation concerning this account which is another violation under the FCRA. Attached to this complaint is a police report, FTC report, and the leasing agreement where I was living at from XXXX which is in XXXX, FL. This is proof that there's no way I am tied to this account and I am in fact a victim of fraud! I am demanding this account to be deleted and all my information to be removed from your files or I will seek litigation. Note that I am documenting everything and keeping all replies for court purposes.

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 2021-06-10 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: Experian Information Solutions Inc.

Complaint narrative:
My identiry has been stolen and Experian know this because I told XXXX XXXX an Experian investigater. Again on my Experian Credit Report is an entry linked to XXXX XXXX XXXX XXXX XXXX XXXX updated on the XX/XX/XXXX this is not my property it is my ex husbands property XXXX XXXX I divorced in XX/XX/XXXX. XXXX XXXX XXXX is nothing whatsoever to do with me. Another entry shows my address as XXXX XXXX XXXX linked to XXXX XXXX XXXX, I do NOT have any finance with XXXX this is fraudulent and do not live at XXXX 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 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I signed up for Coinbase and Coinbase Pro on XX/XX/XXXX and withdrew {$2000.00} for Coinbase and {$1000.00} for Coinbase Pro. The money was deposited with Coinbase.com XX/XX/XXXX. I checked my investments several time XXXX and then attempted sign-in on XX/XX/XXXX x3. I was unsuccessful so changed my password. At 2-factor verification, it was clear that the phone number was not mine. So I reported it in their help section. I reported it again after it was not clear it got submitted and received an email back XXXX saying they would get back to me in 5-7 days. On the XXXX I began emailing them and eventually found that my case had been closed on XX/XX/XXXX. No explanation So I refiled on XX/XX/XXXX. Have heard nothing since except the obligatory " we'll get back to you 5-7 day '' email. I'm out {$3000.00} and a business on the XXXX with millions in investments should have better methods for dealing with obvious virtual issues or at least admit there is a huge problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX XX/XX/2021, XXXX ( XXXX XXXX XXXX. My account ( PAYPAL ) got banned ( permanent limit ). They emailed me that, " You can no longer do business with PayPal '' Because of that, my hard earned money got hold in my paypal wallet. It is very unfair that they did not allowed me to explain. And very very unfair, after they earned in every single transaction I made. They Limit my account without consideration and they hold my HARD EARNED MONEY. We are now in pandemic. I'm very upset to what happened. Because of pandemic, Virtual sending money is necessary right now. 

If paypal don't like me to be their customer anymore, at least let me get my HARD EARNED money. My father is XXXX XXXX right now, I am the one who paid medicine. 

my paypal account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Recovery Services, Inc.
State: CO

Complaint narrative:
I went to the emergency room at XXXX XXXX XXXX in XXXX, Wy ( I dont know the dates of service as I have not been told ) At the hospital they never asked me for any demographic information or to verify my information. The only thing they asked for was my name and date of birth. Then back in XX/XX/2020 I received a call from a debt collector at Express Recovery Services. I told them I never received a bill from the hospital and I didnt not know what the bill was for. I then updated my address and gave them my insurance information. From that day I have not received any calls or letters. I reviewed my credit report and they are reporting to my credit. I called them on XXXX stating I have not received any calls or letters. They argued that they are sending letters and there is nothing they can do. They also never notified me that my insurance denied and I never received a letter. I called the hospital and they said due to the time of night there was no one there to get your information and there is nothing we can do I am disputing this debt and report on my credit as I was wrongfully sent to collections and I was not sent any letter and only received one call where they did not even verify the balance or what the service was for. I have absolutely no documentation as I have not been sent one bill or notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
XXXX  is charging me for a service i have not used after i paid the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had numerous overdraft fees caused by pending transactions. While on the surface, I understand this practice, it is inherently unjust and unfair. Often times a pending transaction is an " authorization '' only and the charge will fall off the account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). Using an authorization to calculate the actual balance in the account and use that balance as a basis to charge fees isn't right. 

Another aspect of this that shows the hypocrisy of this posting system is the fact that Wells Fargo does NOT count pending debit card refunds as a basis for calculating the balance in relation to charging fees. 

This seems incredibly unfair and it cost cost me a tremendous amount in fees.

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 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
I have made 2-3 attempts to obtain information regarding a debt managed by CRME FINANCIAL in the amount of {$790.00}, alleged date of service was in XXXX of XXXX, creditor allegedly listed as GA XXXX XXXX XXXX First call from myself was made in XX/XX/XXXX to CRME XXXX The representative refused to tell me who the ORIGINAL creditor was or how to contact them. A XXXX search was futile with regard to locating LISTED creditor. Representative went on to state that " I don't have to tell you anything other than that you owe the money. '' Not only was I covered by medical insurance at time of stated sI have filed two disputes with XXXX, both of which resulted in the collection being " accurate ''. I called XXXX in XXXX as well to report my experience and ask for the original creditor information. XXXX representative stated " We only have CRME FINANCIAL listed and a phone number for them. '' I told the representative that CRME refused to supply the requested information. I was then offered the chance to file a dispute via phone which I did. The dispute resulted in the collection being found accurate once again. I contacted XXXX  for the second time today, XX/XX/XXXX in an effort to obtain original creditor information again only to be met with the same response and offer as the first time. I took the offer to file another dispute by phone and told the representative that the collection agency is unlawful and has horrible reviews by consumers who claim that this agency files false claims, refuses to assist in resolving debt and is only interested in taking money. Some consumers claim that they still received calls to collect monies for debt that had been paid in full! I have contacted the only hospitals I've been to in my city, neither of which reported an outstanding bill for services rendered in the stated year or any other, for that matter. I have also contacted the insurance company I was covered by that year, and they have no claim filed by for the XXXX OR XXXX of XXXX by a radiology company. This is ridiculous. I am trying to buy a house! This company should be shut down, or investigated at the very least. Why will no one help me? If I owe a debt, I resolve it. Being given the runaround is absurd, especially in this case. This is my life! I am a registered nurse and pay taxes. I'm appalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Dear XXXX XXXX : I received a letter from your office dated XX/XX/2021. Your company claims to represent the OAG regarding a purported debt I owe. This not only a false claim, but possibly represents a fraudulent matter on your personal behalf and your company. Please remove this claim immediately before I take swift legal action. I have already put the OAG on notice of my intentions ( in red ) : Dear Attorney XXXX : I received a collection notice from Revenue Group for {$6800.00}. The claim is that there are three account numbers with charges : Account Balance XXXX {$4200.00} XXXX {$310.00} XXXX {$2200.00} Naturally this supposed " collection agency '' has provide no back-up for these claims. Therefore, I believe this to be a claim and wish to report this probable illegal activity to your office for an investigation. Furthermore, I XXXX take additional legal action on the grounds of harassment. 

Thank you, XXXX XXXX Thank you for your consideration in this matter. 

Yours Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TX

Complaint narrative:
On XX/XX/XXXX, a collections account was reported by XXXX XXXX XXXX XXXX for XXXX to the company of XXXX  XXXX. I was without insurance and going through a divorce with no job and this was difficult to pay off. I was able to pay it off in full on XX/XX/XXXX. 
My credit is now much higher with XXXX and XXXX  both higher than XXXX and allows me to begin building my credit profile and ultimately buy a home. 
Experian however refuses to remove this account. I have disputed this and been denied. I have contacted them on XX/XX/XXXX and the representative told me they would be keeping it on my account until XXXX as allowed by the law. I asked to speak to a Supervisor and they told me there was not one available. 
I have worked so hard to rebuild and taken the responsible steps of paying off my accounts. I have cleared every debt, paid off my student loans, and started on the path to rebuilding my credit and this one credit company refuses to allow me to move forward. I feel I have no recourse. 
Please, whoever reads this. Help me. 
I just want to get a house and give my now XXXX a home to grow the rest of his life in. In XXXX, when they have agreed they will remove it, he will be XXXX and moved out. 
This is an unfair burden placed on people trying to dig themselves out of a hole and as soon as they climb to the rim and see the light Experian kicks them back in stomps them in the face says live in there a few more years and fills that hole back up again.

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 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I reached out to this financial institution on numerous occasions, via phone call in XX/XX/XXXX and also by via USPS Certified Mail letters. I informed this company that they have in fact violated the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) pertaining to the alleged loan they claim I owe on my vehicle. I received no response from this company. 

On XX/XX/XXXX I forwarded a certified document to this company- a letter of violation, demand and written instructions along with an affidavit of truth to validate the federal law they have violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Assistance requested in receiving BACK MY monetary dollars PAID toward a home mortgage loan, HOWEVER, the monetary dollars PAID were NEVER applied to the mortgage loan [ Wells Fargo descriptive sheet enclosed ]. Monetary dollar amount totals = {>= $1,000,000}. 

PLEASE RETURN MY FUNDS PAID : {$10000.00} ( these funds sit AS a Savings Account initially UNTIL someone just simply CLOSED my account without any warning, whatsoever. Returned to Wells Fargo for the monetary dollars and the account has been fraudulently CLOSED ... CLOSED. 

Respectfully, XXXX XXXX. XXXX 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 2021-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: MN

Complaint narrative:
My wife lost job due to Covid mortgage company asked if we wanted to do a forbearance did forbearance for 10 months trying to get back into regular loan status mortgage company does not offer a deferment for VA loans only conventional loans told me that the VA was the one that wasnt allowing it when I contacted my VA rep they said they do allow it even had conference call with mortgage company still denied offering deferment for VA loans and Veterans forcing me to refinance at either 30 or 15 here and have to repay all interest I paid off on the loan

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