vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: First Technology Federal Credit Union
State: CO

Complaint narrative:
I closed my loan account with First Tech Federal Credit Union. On the XXXX of XXXX, I sent a secure email to inquire what the process was to close my remaining account. I made no indication I was ready, only that I wanted to understand the process to prepare. The bank immediately closed my account and removed access rendering me unable to obtain tax documents to prepare my 2020 return. I had intended to complete my return before closing my account. The bank sent me a secure message to inform me of this but since they had remove my online access I could not read this. Upon calling them I was told there were some system issues in generating these statements and it would take at least 10 days to process and they would need to be mailed. The bank had no right to close my accounts, I did not give authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: IA

Complaint narrative:
A phone number associated with the General Revenue Corporation XXXX XXXX, OH calls multiple times every week day, always at least twice. When I answer the phone, no one responds and they hang up after about 10 seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WV

Complaint narrative:
On XX/XX/2021 I received a text alert informing me of a collection account in the amount of {$380.00} that appeared on my credit report. Upon viewing my credit report, Jefferson Capital Systems reported a delinquent account for XXXX XXXX. 

I NEVER received a letter from Jefferson Capital Systems nor have I received any telephone calls regarding this account. 

My mobile phone carrier has been XXXX XXXX for over three years. I have never received any communication from XXXX XXXX and I've had the same mailing address for over 12 years. 

I have Informed Delivery from the USPS.com and I am happy to provide records of my mail that has been delivered. There has been absolutely nothing from XXXX XXXX or Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: EQUIFAX, INC.
State: GA

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 not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: TX

Complaint narrative:
I applied for A discover credit card in XX/XX/2021. I received a not telling me that I would receive an envelope in the mail in 7-10 days and I can check my status on the website. I submitted extra documents on the website and my status was pending. After a month I went to log onto the website and it says my application can not be found. This is disturbing because I submitted the additional documents they requested and they placed a hard inquiry on my credit report. 

I called an tried to resolve this in XX/XX/2021 and they told me there is nothing they can do and I should call credit bureau individually. I explained this does not makes sense as I turned in the additional documents and you all placed a hard inquiry on my account. 

Please help me resolve this and have them remove the inquiry they placed or finish processing my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Freedom Mortgage Company
State: UT

Complaint narrative:
XXXX and FREEDOM MORTGAGE pulled my credit twice without my authorization. 
my attempts to contact them to have the hard pulls taken off have failed. 
i now have some of my personal information stolen on the dark web. 
i dont know if it was because of them or something else. 
but the credit pulls, i want taken off. i did not authorize that. 
the phone numbers listed for XXXX and FREEDOM MORTGAGE on XXXX  are XXXX and XXXX. 
i did a scan with XXXX XXXX from XXXX and XXXX and found out my personal info has been stolen. i also called XXXX about this and they sent me to XXXX which i didnt know is in XXXX, because of the language barrier and understanding, they werent able to help me to find out who stole my information. I use XXXX, XXXX, XXXX, XXXX, and my place of employment got ransomware attacked, so i have no idea where the theft occured and what to do. no one can help. this all didnt start until XXXX and FREEDOM MORTGAGE pulled my credit without me authorizing it. I have received 2 robocalls since then threatening my arrest and for me to leave work 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 2021-04-13 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.
State: OH

Complaint narrative:
Experian keep reporting information that have been resolved by other credit agencies. Experian I have sent them a certified letter which they sign for. XX/XX/2021. For the removal of XXXX XXXX XXXX from credit report.

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Please reference the previous 3 closed cases. 

I am applied for deferment of mortgage payment last year during the COVID pandemic. After which, Wells Fargo has consistently to the consumer and CFPB that they have resolved the issue by deferring the payment to the end of the mortgage. This is not a loan modification. Each time, they did not honor their promise and commitment but lied to CFPB that the deferment has been approved and processed. They turned around and said that because of my Chapter XXXX bankruptcy, a court approval is needed and they needed my consent to speak to my bankruptcy attorney. 

Please see Exhibit A - a letter from Wells Fargo dated XX/XX/XXXX acknowledging that they had received my signed consent on XX/XX/XXXX. 

Please see Exhibit B - a letter from Wells Fargo dated XX/XX/XXXX indicating that the deferment has been approved and asking me again to sign a consent for them to communicate with my bankruptcy attorney so that they can obtain court approval despite the fact that they had already received a consent on XX/XX/XXXX as mentioned in Exhibit A. 

An executive representative also indicated to me on numerous occasion by phone that they have submitted all the information for court approval. On XX/XX/XXXX, I reached out to the paralegal of my attorney to inquire whether they had received any correspondence both in writing or by phone regarding the process of obtaining court approval. The attorney 's office indicated that they had not received any indication that there is a filing for court approval for the deferment. My attorney also indicated on a loan deferment does not require court approval. I called Wells Fargo on the very same day on XX/XX/XXXX to ask them to provide proof of court filing by end of business date of XX/XX/XXXX and as of today XX/XX/XXXX, I have not received any written or verbal communication. 

My account is still showing as delinquent. The issues at hand is that Wells Fargo has deceived the consumer and CFPB on numerous occasions ( see all three previous complaints regarding this matter in my account ) and each time, they had convinced CFPB that the issue has been resolved. It is time for CFPB to enforce the law and to hold Wells Fargo accountable for their deception by leveraging a fine and disciplinary action against Wells Fargo to the full extend of the law.

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmWest Funding Corp.
State: TX

Complaint narrative:
I refinanced my loan for XXXX  home and new mortgage company and previous mortgage companies were the same ( AMWest ). But they show discrepancy of when previous company wired the funds to title company and when title company wired the funds to new mortgage company ( which in this case is the same company!! ) by one week. 

So I lost interest of 5 Days XXXX XXXX $ XXXX even though title company claims they wired the funds for new loan on Monday ( XX/XX/2021 ) the mortgage company says nope they received it on Friday ( XX/XX/2021 )!!! Please note that the previous mortgage company was also AMWest and new mortgage company is also AMWest and title company says they never held the funds with them for more than few hours and immediately wired the funds to AMwest once they received it from previous mortgage company XXXX which in this case was also AMWest only )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: MD

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I reviewed a copy of my credit report and notified each bureau of inaccurate information is currently being reported. In my letters, I asked them to validate these accounts and provide physical proof/verification that I am entitled to according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). To date, I have not received any physical proof validation and these items are still being reported negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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
State: TX

Complaint narrative:
This is a complaint against Paypal. I have been using Paypal for more than 3-4 years now and for the last year, since the pandemic, I have been actively using Paypal and its services to buy/shop things, transfer or send money to friends and family. But then all of a sudden, I get an email from PayPal that my account is permanently limited and that I won't be able to use it anymore. I won't be able to send/receive money and if that wasn't enough, they mentioned that I won't be able to transfer/withdraw the amount that I have in there! How is this not extortion? I tried reaching out to them because I still believe this is a mistake but after multiple phone calls ( on average lasting about 2.5 to 4 hours ) and attempts to reach them, I still haven't talked to a single person or heard from them. As a last resort, I had to try you guys out and check if you guys can intervene and help me sort this out. My email address associated to the Paypal account is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 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: ID

Complaint narrative:
On XX/XX/XXXX, a series of fraudulent charges hit my Capital One XXXX XXXX XXXX in the amount of {$3400.00} from two companies : XXXX and XXXX. I immediately disputed these claims with Capital One and they refunded the full amount by the next day. However, after further investigation Capital One decided that they would only refund {$900.00} of the claim which was from XXXX. The remaining {$2500.00} from XXXX was deemed legitimate from Capital One. I asked to be provided with documentation in which Capital One did stating that the XXXX addresses matched my email. I then submitted an escalation which Capital One did not even seem to review. The escalation included a police report number and my work with the local authorities on the matter. I called back once again and Capital One said there was nothing more they could do. At this point, I am at a loss because I can not afford to pay back the {$2500.00} that was fraudulently taken from my account and the Capital One Fraud Department has been less than helpful with any remedies I can further take. They simply say " we are not going to pursue this any further. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld continues to hurt my credit by saying my private student loan is in active collections. This account, originally owned by XXXX XXXX XXXX and XXXX XXXX, was included on my XXXX XXXX  XXXX XXXX XXXX. The original lender was contacted regarding my XXXX  XXXX petition, and they never responded or took me to court for payment. The judge and court XXXX and closed my case. No other lender has done this. All the other accounts that were included in my petition have been closed and say " discharged in bankruptcy '' since XXXX. Transworld reports this account as new, and active, which is FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TX

Complaint narrative:
I recently talked with my bank to get pre-qualified for a XXXX  loan to build a new residence. This process included contacting the 3 credit bureaus XXXX XXXXExperian-Transunion XXXX. I received a letter notification from the bank with comments and my score from each bureau. My issue is with the noted " Key Factors '' that adversely affect my score. I disagree with all 3 bureaus as each bureau is contradicting what they have published in my credit reports. I will include these copies in my uploads. 

ie XXXX  states the following key factors adversely affecting my score : XXXX Number of Accounts with Delinquency ( I WILL UPLOAD A TRANSUNION DOC DATED XX/XX/2021 THAT SHOWS A FICO XXXX SCORE OF XXXX AND NOTES THAT STATES " No Serious Delinquency '' and " Revolving utilization is low '' XXXX Lack of recent installment loan information ( LACK OF INFO SHOULD NOT BE MY PROBLEM ) XXXX Length of time accounts have been established ( THIS IS NOT CORRECT, MY NEWEST ACCOUNT IS OVER A DECADE OLD!!! ) XXXX Level of Delinquency on accounts ( THERE IS NO DELINQUENCY, SEE FIRST ITEM ) The same letter includes similar info from Equifax and XXXX. I will upload docs. I DISAGREE WITH THEIR INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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:
I recently talked with my bank to get pre-qualified for a XXXX  loan to build a new residence. This process included contacting the 3 credit bureaus XXXX XXXX-Experian-XXXX  XXXX. I received a letter notification from the bank with comments and my score from each bureau. My issue is with the noted " Key Factors '' that adversely affect my score. I disagree with all 3 bureaus as each bureau is contradicting what they have published in my credit reports. I will include these copies in my uploads. 

ie XXXX  states the following key factors adversely affecting my score : XXXX Number of Accounts with Delinquency ( I WILL UPLOAD A TRANSUNION DOC DATED XX/XX/2021 THAT SHOWS A FICO XXXX SCORE OF XXXX AND NOTES THAT STATES " No Serious Delinquency '' and " Revolving utilization is low '' XXXX Lack of recent installment loan information ( LACK OF INFO SHOULD NOT BE MY PROBLEM ) XXXX Length of time accounts have been established ( THIS IS NOT CORRECT, MY NEWEST ACCOUNT IS OVER A DECADE OLD!!! ) XXXX Level of Delinquency on accounts ( THERE IS NO DELINQUENCY, SEE FIRST ITEM ) The same letter includes similar info from XXXX  and Experian. I will upload docs. I DISAGREE WITH THEIR INFO

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 2021-04-13 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: NC

Complaint narrative:
I have attempted to dispute erroneous accounts present on my credit reports with Equifax, XXXX, and XXXX but the credit bureaus have refused to respond to my letters. I have attached the latest letters along with the certified mail receipts to show that they have been received by the credit bureaus. 

Certified Mail Receipt numbers : XXXX Equifax XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: TD BANK US HOLDING COMPANY
State: MT

Complaint narrative:
I've had my XXXX XXXX for many years & have used it responsibly. Furthermore, I've never missed or had a late payment. Recently XXXX ham my credit limit arbitrarily decreased by a substantial amount XXXX {$1700.00} XXXX. I jad a credit limit of {$2000.00} and not it's {$300.00}. I called the issuer of the credit card, TDBANK & inquired why was my credit limit decreased even though I have an excellent history with the credit card. Furthermore, I advised TDBANK that there action of decreasing my credit limit reduced my credit score by more than XXXX points. I was advised that I would get a response addressing my concern but as of todays date no one has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: PA

Complaint narrative:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: GA

Complaint narrative:
I recently sent a dispute letter to XXXX  and Experian on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Zip Co US Inc.
State: KY

Complaint narrative:
On XX/XX/21 at XXXX XXXX I placed an order online at XXXX using QuadPay services. The company withdrew {$74.00} from my account. XXXX sent an email telling me that my order was canceled. I called XXXX customer service. They told me the card that I used was not good. I tried several attempts to contact QuadPay through their online live chat and the phone. They have never responded to the live chat. They claim they respond within a few hours. I finally got ahold of someone on the phone today, XX/XX/21. She told me I would have to wait up to 13 days for my refund. If the card they gave me wasnt any good. I should not have to wait for a refund. This was not caused by me in anyway. They basically get to use other peoples money for free while not providing a service. I would even go as far as this being very fraudulent and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: PA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation