vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 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: IL

Complaint narrative:
I SENT TO XXXX XXXX TO REQUEST VALIDATION OF THE ACCOUNT AND THEY SEND ME BACK JUST A COPY OF THE TRANSACTION AND THE AMOUNT WITH NO SIGNATURE AS I REQUESTED IN MY VAILDATION LETTER TO SHOW THAT I OWE THIS DEBT WITH MY SIGNATURE AND THAT WAS NOT THE RESPONSE I RECEIVED. IT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS AND THAT IS AGAINST THE FCRA LAW TO REPORT SUCH IF CONSUMER BARES NO SIGNATURE OF BEING RESPONSIBLE FOR SUCH TRANSACTION. I REQUESTED A VAILDATION 3 TIMES AND THEY FAILED TO SEND ME ANYTHING WITH MY SIGNATURE STATING THAT I AM RESPONSIBLE FOR THE ALLEGED TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: IL

Complaint narrative:
I SENT TO XXXX XXXX TO REQUEST VALIDATION OF THE ACCOUNT AND THEY SEND ME BACK JUST A COPY OF THE TRANSACTION AND THE AMOUNT WITH NO SIGNATURE AS I REQUESTED IN MY VAILDATION LETTER TO SHOW THAT I OWE THIS DEBT WITH MY SIGNATURE AND THAT WAS NOT THE RESPONSE I RECEIVED. IT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS AND THAT IS AGAINST THE FCRA LAW TO REPORT SUCH IF CONSUMER BARES NO SIGNATURE OF BEING RESPONSIBLE FOR SUCH TRANSACTION. I REQUESTED A VAILDATION 3 TIMES AND THEY FAILED TO SEND ME ANYTHING WITH MY SIGNATURE STATING THAT I AM RESPONSIBLE FOR THE ALLEGED TRANSACTION.

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 2020-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I still have yet to received all of the proceeds from my recent cash out refinance with better.com. 

Appraisal and title were cleared XX/XX/XXXX. It was not until XX/XX/XXXX after significant prompting on my part that we signed the closing documents. Before the appointment, I emailed our closer requesting confirmation of what I should expect from the disbursement process. 

At the closing, we were asked to write out our bank routing and account number for the signing agent to deliver to title. I had received no response from the closer, so I sent a follow up email on XX/XX/XXXX requesting the same information and attempted to confirm my disbursement preferences in the same correspondence. This email yielded a response saying to ask my questions of the title company XXXX XXXX. 

I emailed XXXX XX/XX/XXXX and asked how and when I should expect the wire transfer and distribution of the creditor payoffs. I never received an email response. 

XX/XX/XXXX, two days after my loan should have funded, I still had no funds and no response, but was receiving congratulations emails on my recently funded loan. 

I responded to ask where the proceeds were via email. No response. 
I called the title company. No answer and a generic voicemail. 
I called my closer. Another representative said the loan funded XX/XX/XXXX and they would have our closer call when he arrived. 

No phone call. 

I received an email saying if they heard something they would let me know, but they couldn't make calls because of extenuating circumstances. 

I emailed the head of operations and my closer to complain that I was not being given any sense that I was a priority. 

I threatened to file this complaint and several hours later received a phone call from title. They were " too busy '' to fund our loan earlier in the week and wanted to confirm my wire instructions and mailing address. They had planned to handle the funding Thursday XX/XX/XXXX, when it should have been handled XX/XX/XXXX. I was assured I would have my creditor payoffs in hand via XXXX XX/XX/XXXX and the wire XX/XX/XXXX. I requested they overnight those to my primary residence rather than my investment property securing the transaction. 

The wire came through XX/XX/XXXX. The payoff checks to the creditors have yet to arrive. Nobody apologized. Nobody reached out to me to confirm I got my proceeds and my issue has been resolved. My issue remains partially unresolved 5 days after my closing should have occurred. I've requested a refund of the accrued interest I'm being charged on proceeds not received. I've received no response to that request. 

I want the remaining proceeds and a refund of charges for funds I did and still do not have access to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05 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: I.C. System, Inc.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

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 2020-12-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
After looking at my credit report i noticed several frivolous fraudulent unkonw inquiries on my equifax credit report .i attempted to contact all of the companies in my report. However the information required by The FCRA to be on the report. Was clearly not on the report, they have no address, phone numbers, account numbers, or any references. one cant attempt to proclaim innocense or proof and right the wrong. I contacted all of them through myown investigationtThat is unlawful the customer requires information for due process. I was never notified. I have fraud alert and a police report on file. Indicating im susceptible to fraud please call. I got no calls and so many inquiries on the same day did not alert them either. I have credit monitor also.FCRA was violated my rights as a citizen and privacy act was taken. I want these inquiries that are fraud to be deleted at once. They are not mine. They are not accurate or verifiable, validate them. Due thorough investigation and send me new report reflecting the fraud and grotesque mistakes. We are entitled to due process. Dont infrinqe on our rights. Violations will have to be compensated {$1000.00} rach under section 617. Wet ink signatured contract of consent needed for proof of permissible purpose. 
XXXX XXXX XXXX XXXX and XXXX. 
XXXX XXXX XX/XX/XXXXXXXX. ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ) ( XXXX XXXX ) (XX/XX/XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received a letter ( Dated XX/XX/XXXX ) from National Credit Systems out of XXXX XX/XX/XXXX about an alledged debt I owed to XXXX XXXX XXXX. I respoded with a certified letter on XX/XX/XXXX disputing the debt, I asked them for proof of the debt, and I also asked them for information about their company ( are they a licensed debt collector, do they have a license to collect debts in the state of XX/XX/XXXX and if not what state are the licensed in and what authority do they have to collect in the State of XX/XX/XXXX) To this date they have not answered my requests for information about their company. They have proceeded to make multiple calls to me ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) even after the first phone call I informed them I would talk to them only once every 30 days and that I am requesting any correspondence be in writing. I have now sent 4 certified letters to their company requesting the information and they have not answered my request for company information. I have disputed the debt with every letter they have sent me and I have informed them I will not provide any information until I know they are a licensed collector authorized to collect in the state of XX/XX/XXXX They have refused to provide this information and have now reported to the credit bureaus, even though this is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: IL

Complaint narrative:
I received an alert from Equifax that my report indicated that I was 30 days past due on my account from XXXX XXXX. I immediately contacted XXXX XXXX and explained that my payment from XXXX was missed and not posted to my account and was showing 30 day delinquent. I have NEVER been late and have always paid on time. I spoke with XXXX a representative from XXXX XXXX and she was able to research my account and corrected the error by immediately reversing the late payment charged. When asked about the removal from Equifax, she advised that I had to contact Equifax to remove the incorrect late payment. I am writing to dispute this with Equifax and have the incorrect late payment removed. Equifax is non-responsive in correcting this error. I am asking for immediate action to my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: NY

Complaint narrative:
There are currently numerous accounts listed on my report that I have no knowledge of. This was a result of malpractice or an error.

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 2020-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I have a Coinebase account. I have been unable to access my account after loggin in with my valid Username and Password. When I put in my 2-factor, 6-digit authenticator number, it keeps saying " Invalid number ''. Therefore, I can not get into my account. 

I have tried repeatedly to contact the company without success. When I call their number, I get a voice recording that directs me to their Help Page. When I go to the Help Page, it is very confusing, technical and basically useless. 

I leave messages asking for help but no one contacts me. 

I have about {$30000.00} in my account and I CAN NOT GET TO IT. I just want to get my money out and be done with this company but I can not get a person to help me either in a chat group or on the phone or by email. It's like a ghost company. There is no way to reach them. 

Please help. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I transferred {$5000.00} and paid an additional {$25.00} fee to Western Union 8 days ago. I was called to verify some facts and received an email confirming the funds were available 3 days ago. When the payee tried to access, Western Union blocked the transfer. I called and answered more questions from a second office. The low level call center representative made a decision to cancel the transaction on the spot. I am to get a refund within ten days. Western Union holds my funds for over two weeks, misleads myself and the payee, and provides no reasons or appeal for their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: NY

Complaint narrative:
I'm writing to report that Equifax has continued to allow fraud on my credit report. I asked them to remove the creditor, XXXX, in the amount of {$72.00}. I do not know of this creditor. I do not have knowledge of this creditor. I have had no dealings with this creditor. This does not belong to me. This is a fraudulent account. It is fraud. The address is also incorrect. I reported the fraud to Equifax and they still have not removed. I have no other collections on my credit report, except for that {$72.00}. And no other credit agency I reporting this in my report. I am requesting that Equifax please remove this creditor and amount from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: NY

Complaint narrative:
There are currently numerous accounts listed on my report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-12-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent the letter regarding inaccurate information on my credit report. It's been over 50 days and I have not received a response. At this point, I feel my dispute is being ignored. Section 611C states that a failure to investigate these items within 30days results with immediately removing these items from my credit report. This items have been in dispute for over 50days and should be deleted from my credit report. I am tend to file a FTC complaint and sue.

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 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am not getting paper statements or via website. I have the due date programmed in my calendar in my phone. I have been calling in each month to pay the minimum payment and not charging anything else on the card. The balance keeps going up by a lot. I called Capital One and they said I am not making a full payment, nothing is going towards principal and it it is not covering the fees. I asked XXXX on the phone ( Rep ) how I am supposed to know this? I am paying what the automated system is telling me is the minimum payment. He could not give me numbers or any explanation. I asked for a Supervisor. He hung up on me instead. I have had them before and they did the same thing. I got rid of them ASAP. I have them now as they purchased the card I have. They are the only Credit Card Company that does this. All of my other cards they can calculate and tell me when I call them why I have the balance I have and that part of my payment is going to principal. I am aware that the minimum payment does not get the balance get paid off quickly however something should be going to it. And if I am able to pay more it should be going there. As well as when I call they shod be able to tell me why my balance is going up, fees etc. Capital Ones business practices should seriously be looked at

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a costco citi card. Two weeks ago, I called and disputed a {$60.00} cash advance fees that I had been charged out of the blue for using XXXX. Citi ultimately reversed the charge and I have stopped using XXXX. However, I continue to see {$10.00} cash advance fees pop up in my transaction history every day or every other day. I dispute everyone of them and Citi removes them, but I am tired of this game. I don't take cash advances on this card, or in general. I try to keep my card paid in full and spend $ XXXX to $ XXXX on it each month. I'm fed up with Citi 's schenanigans. How many people have been assessed a series of {$10.00} cash advance fees for no reason and failed to catch and dispute them?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: De Lage Landen Finance, LLC
State: NV

Complaint narrative:
Around XX/XX/2020 i stated to talk to XXXX in Idaho for a tractor and baler. 
They had a used tractor and a new XXXX baler. 
They gave me the price and who would be good to get a loan from. 
As we talked I did fill out some paperwork to get things started. 
But as things got going they started to push me into getting this deal done. 
At the time I had done some paperwork with the loan company. 
They had sent paperwork but there was problems with it and that company said that with the way I had signed some of there paperwork was not how there rules and polices were. So that i still needed to re-do those documents. 
So all this time I did not know that the loan company had went around there rules and that XXXX had taken money with knowing that the paperwork was not inside what the law is in Idaho and the law in Nevada. 
So when I did think it would be best that I pass on this equipment they told me the deal was done already!! 
The loan company on XX/XX/2020, started to fund the loan and on XX/XX/2020 did fund the loan and send XXXX the money for the equipment. 
But I will sent copy of emails dated XX/XX/2020 that shows that they both wanted me to re-do the paperwork then. 
And in a email they both said that the paperwork was done on XX/XX/2020 & XX/XX/2020. 
And I did not even try to send paperwork back tell XX/XX/2020 And then a very short time after that I was told that the money had been sent weeks before that. 
So how could a loan be done with out all paper work done and signed. 
So after XX/XX/2020 I did think it was best to just walk away from this. 
But then later I did find out that XXXX took months to pay back the money to the loan company. 
And that should have been done right away. 
And in Idaho and in Nevada both company 's did not stay witin the law on this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: LD Holdings Group, LLC
State: LA

Complaint narrative:
My Mortgage Account with Loan Depot act # XXXX was paid in full XX/XX/2020. Upon checking my XXXX, XXXX  and XXXX  credit reports Loan Depot last reported to the credit depositories was in XXXX still showing a balance. 

Loan Depot has not provided any reporting to the credit bureaus since XXXX ACCURENTLY showing that my mortgage is PAID IN FULL. 

I am requesting the Consumer Federal Protection Bureau contact Loan Depot to report my mortgage Paid in Full to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
2 weeks prior to XX/XX/XXXX i bank with chime/XXXX they asked for a w-9 saying irs requested if i didn't submit my account would be closed. On XX/XX/XXXX my direct deposit was deposited and followed by account closure. this has happened to over 223 other people on same day. However i cant contact anyone through support nor will anyone respond to my emails, i am behind on loan and car note due to this inconvenience, i was told i would receive a check with remaining balance in mail within 30 days ... can you please help me get my money back

Company response to consumer: Closed with explanation