vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Today I have contacted y'all to open a fraud case, and y'all did, and my dispute number is XXXX, and I need y'all to enable my online bank account, so I can log in back into it every time I do. It says this Online access is currently unavailable. 
To access your accounts online, please try again later or re-enroll for online access : Online Banking customers, please visit wellsfargo.com and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit wellsfargoadvisors.com and select Sign Up, or call XXXX About Us Careers Privacy, Security every time I call, y'all agents transfer me to different departments and tell me a different story. I need y'all to enable my online bank account to log in again and credit back my payment. My account number is XXXX, and my username is 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 2021-03-21 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: NE

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am not able to login to my Equifax account. I only get this message " We are temporarily unable to complete this request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
the bank took my funds due to 2 XXXX {$1400.00} XXXX deposits coming in on XX/XX/2021 that were third party deposits. they didnt only freeze the 2 deposits they said were against policy they took all of my money in the account, the XXXX that was in the account before the deposits were put in the account. That money didnt come from a third party deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have been having problems with Santanders USA for awhile now. From missing payments to over charging to not receiving documents to sign at the beginning of the loan. I have sent out and contacted Santander on multiple occasions in regards to this matter. Last one being XX/XX/XXXX by certified mail disputing the account payment history, amount owed as well as the validity of the loan. I sent several emails and called Santander in an effort to get this matter resolved. Around XXXX of XXXX I received a document stating that I was entitled to one or more compensation from Santander due to the lawsuit that was filed by 39 states AG offices. Shortly after that my account was closed. I then contacted Michigans Attorneys Generals office and was told to go to a website that would explain what I was entitled to. According to the website I am entitled to a monetary amount and since my account was closed I was also entitled to Loan forgiveness and Santander was suppose to send me the title to my vehicle, wipe off all negative reporting on all three credit bureaus etc. Once again I reached out to Santanders and was told that my documents I received from the AG office was fake and that there was no settlement reached. Santanders received my certified letter with return receipt requested on XX/XX/XXXX. XX/XX/XXXX they had my vehicle repossessed. I received nothing back from Santander regarding the certified dispute letter sent to them. This company has violated my rights on more than one occasion and have not been held accountable nor responsible for any of there illegal acts. Pursuant to the lawsuit that was filed by 34 Attorney Generals Santander is not suppose to be repossessing any vehicle involved with this lawsuit. Santanders need to be held accountable for their actions on all fronts. By repossessing my vehicle without settling the dispute is a violation of the consumers rights as well as them not honor the settlement agreement they made with the 34 states. See Santanders lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Ive been trying to remove all Inaccurate address from my Experian Credit report, and put the Correct address that i live at. Due to the FCRA i only should have one address on my credit report. The previous address thats on my credit report i dont not reside at them addresses and ive sent to letters experian XX/XX/XXXX, XX/XX/XXXX they received both letters about updating my new address and send them a my license and tax documents confirming my updated address but they wont take off the Innaccute addresses

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 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
The complaint is with the company that built our house and sold it to us, this company ( XXXX ) took advantage of our ignorance and availability of not understanding some terms to sell us the worst land that they have, the lady point us that this land was the best when they had many other lands to sell, she sold us the one that most difficult to sell when she learn that we did not know a very good English, our house has a huge hole in the back where all the rain water and trash from all other houses ends up here in the back, we got like 6Ft only of land, we can not even build a fence, I have an XXXX XXXX year old that cant play outside because Im afraid she can fall in that hole and worst with water, the worst part is that they sold the property with a regular price, they didnt even made a reduction of price so other people can buy it from us, I feel this company had violated many of our consumer rights, please help!!!

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 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2021, I ordered merchandise from a website, XXXX in the amount of {$99.00}. The website only accepts PayPal as a payment option. When I made payment for the merchandise, the confirmation of payment from Paypal I received listed the seller as someone with a XXXX-based email account. Additionally, the purchase information did not match what I just bought on the website. The website lists a US address and contact information for the website, so I realized I had probably just been the victim of fraud. 

I immediately reached out to PayPal to notify them of the suspected fraud and they opened an investigation. I also contacted the phone number on the website which is a non-working number. 

Within 4 hours, Paypal responded that the transaction was legitimate and they would not pursue it further. I contested this decision using their appeal process. On XX/XX/2021, their appeals division confirmed the previous decision that they would deny my claim on the basis that the transaction was not unauthorized. 

In my dispute, I stated that it could not possibly be authorized if the seller is taking funds from consumers via Paypal and not providing/shipping the merchandise purchased. How can this be authorized by Paypal? They would be an accomplice in the fraud. Paypal disagrees and is not approving the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: IL

Complaint narrative:
Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still haven't received any responses. 

Initial dispute XX/XX/2021

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 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I entered a covid forbearance in the spring of 2020. My mortgage is with Mr Cooper/Nationstar. I was able to maintain my payments until XXXX, XXXX, and XXXX of 2020. For those three months, I paid enough money to cover interest and escrow accounts. After that, I resumed making my regular payments. My forbearance was to end on the XXXX of XXXX. On the XXXX of XXXX, I called Mr Cooper and spoke with XXXX. I explained that as mine is a federally backed mortgage, I wanted to move the approximately {$4800.00} to the " back '' of my mortgage and continue with my regular payments. After a lengthy hold, she came back and said that was approved. A few weeks late, I received a statement requesting in excess of {$6000.00}. I askes for a breakdown of those funds. I'm still waiting. As you can see in the attached file, I usually make my payments 2 weeks early. When I attempted to make XXXX and XXXX payments in early XXXX, Mr Cooper would not accept them. I attempted to pay them via my wife 's checking account and they still won't take them. I called and attempted to make 3 payments. They wont accept them unless I pay {$12000.00} at one time. I have asked for a breakdown of these figures SEVERAL times with no success. The are happy however, to assist me in a refinance or a modification, neither of which are what I want

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL

Complaint narrative:
Good Day At and/or around XX/XX/XXXX I noticed a new collection was added to my credit report by a debt collector whom I have never heard of or did any business with so I sent a validation letter to all three of the credit reporting agencies ( XXXX XXXX, and XXXX ) and also to the debt collection agency Berlin Wheeler Inc-K asking them to send me verification that this debt actually belongs to me. During this period of time this debt collection agency continued to flag my credit report continuously with this debt {$390.00} and then on several occasions the would updated the balance to {$390.00} further lowering my credit score and imposing bad activity! I have not to this day XX/XX/XXXX received a response to my letters from either agency they have only updated and flagged my credit report and I feel this bogus account should be deleted from all three credit reporting agencies immediately and all collection attempts be stopped! After doing my own research I also found that Berlin Wheeler Inc-K is not licensed in the State of Florida to collect a debt from myself or anyone in the State Of Florida! 
It states I opened a account with them in XX/XX/XXXX which is not true! 
the agency in question is Berlin Wheeler Inc-K XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS 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 2021-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
Went to a XXXX XXXX because we needed a reliable vehicle after filing out the credit application online that they provide thru the dealer website. We get there and find a vehicle of interest and agree to proceed with purchase. So we sat there for 4 hours waiting for finance manager to talk to us, when he finally does, its a hour after the business hours now and they should be closed. So he shows me what the monthly payment would be considering credit score and it was acceptable. But then never went over anything else like amount of months of loan, percent of financing ect.,, So I assumed that it was the numbers from the preapproval but after getting home a hour later and looking at the paperwork, the financed percent was 19 % not 9.84 % and the amount of months was 72 not 60. 
And the worst part was that I was financing {$13000.00} and it said I would have to pay {$28000.00} total after financing. Not to mention I put {$5800.00} cash down!. 
There is no way they can get away with what just happened. How does a single mother of 2 afford such a thing and why is none of this overlooked by government/state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: OR

Complaint narrative:
XXXX is the ticket number with Binance.US I have been doing a little bit of business with them and did two deposits of {$35.00} and one for {$100.00} towards the end of XXXX. On XX/XX/XXXX I reached out to them as the deposits had not come out of my bank account. They responded with just an auto response and I told them it was not fixed. I did not hear anything back from them and tried to move some of my coins in early XXXX and noticed my account was XXXX. 
My bank account always has way more then {$130.00} in it to cover the transactions. Something happened on their end that caused the issue and they wont fix it leaving me and a lot of others in complete limbo without access to my funds. I have no problem settling up with them but they completely ignore the customer at this point. I have asked for help via e-mail, twitter and even through a survey function without a response from an actual person. They have no phone number to call either. Binance.US seems to be a corrupt organization or they just have no idea how to help someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: IL

Complaint narrative:
Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and I still haven't received any responses. 

Initial dispute XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Amcap Investments, LLC
State: TN

Complaint narrative:
We told the lending company that we wanted to add our closing costs to the loan. I was told by lending company it is. We were a day before closing and still did not have closing documents to verify that it was getting added to our loan. The next day we are supposed to close and still have no closing documents. Called amcap and they wouldn't tell us why we still don't have closing documents and this is one hour before we are supposed to close. And that's when we got blind sided for an additional {$15000.00} for closing costs. We call amcap and they tell us they didn't add the closing costs to the loan because she isn't a mind reader and didn't know we wanted to do that after we have mentioned it several times. After she said she wasn't a mind reader and didn't know we wanted to do that she then said we can go back and add it to the loan but it will push us back from closing multiple days knowing we didn't have multiple days and closing was already delayed once. After we said that's fine we will wait until it gets fixed because we really needed that additional {$150000.00} for appliances, furniture, and to pay off a bill. After we said we will wait amcap then proceeded to tell us we can't add it to our loan now because if we do we wouldn't qualify for the additional {$15000.00} on our loan and that we would have to start all over and likely not get the house we wanted. This company lacks integrity and has bad business ethic. Their lack of honesty and using our loan against us and blind siding us with an additional {$15000.00} out of pocket really put my family and I in a bad spot. I regret using this company and wish I never did. They then proceeded to the US that we should be grateful that we got approved for our loan and the only reason we got approved was because all the favors they did for us. This company ruined the whole experience for my family. They I L ed to us and played games with us. We did not get the final closing disclosures until minutes away from closing. I feel the closing disclosures should have been emailed to us multiple days before closing so they can be reviewed and if there are any discrepancies they could be rectified properly. Instead we did not get the closing documents until minutes before signing and there was no way to fix anything especially after they lied to us multiple times

Company response to consumer: Closed with explanation