vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
To XXXX XXXX of XXXX XXXX and calls answered by night as XXXX XXXX  and that you responded to my complaint of loan no. XXXX in an email dated XX/XX/21 at XXXX unfairly to me. First, prior to our phone discussion that I had already called your company several times and by giving my identifiers to them about my loan above. They all confirmed it was my loan but said that there were no property attached. Then I spoke to you whom promised to research and provide details from the papers I faxed to you and please share those papers with the CFPB. After you received my papers and I called everyone started saying the loan number did not exist in your system. Then you sent to me, BELOW, Hi XXXX, This document explains that prop was purchased in another name of another through Wells Fargo. 

I would call Wells Fargo as we no longer have anything to do with this loan. 

Mr. XXXX you promised me to be straight and honest with me about the Fraud you now know is exactly what your looking at and trying to conceal it. I demand that you reveal all factual evidence to the CFPB so that they can deal with you.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
To XXXX XXXX of Mr. COOPER and calls answered by night as Nation star and that you responded to my complaint of loan no. XXXX in an email dated XX/XX/21 at XXXX unfairly to me. First, prior to our phone discussion that I had already called your company several times and by giving my identifiers to them about my loan above. They all confirmed it was my loan but said that there were no property attached. Then I spoke to you whom promised to research and provide details from the papers I faxed to you and please share those papers with the CFPB. After you received my papers and I called everyone started saying the loan number did not exist in your system. Then you sent to me, BELOW, Hi XXXX, This document explains that prop was purchased in another name of another through XXXX XXXX. 

I would call XXXX XXXX as we no longer have anything to do with this loan. 

Mr. XXXX you promised me to be straight and honest with me about the Fraud you now know is exactly what your looking at and trying to conceal it. I demand that you reveal all factual evidence to the CFPB so that they can deal with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is the third time sending this FTC report and the supervisor from EQUIFAX XXXX XXXX and his I.D number XXXX was very rude was not helpful at all. He told me he seen I sent the last two FTC reports with my ID but still refuse to help and even hung Up me. please delete these fraud inquiries off my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MVBA, L.L.C.
State: CA

Complaint narrative:
This company is texting me telling me I have an outstanding warrant and when I click on the website, it is a lawfirm for a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed a Letter to Remove Inaccurate Credit Information : on XX/XX/XXXX never received a response so I sent another letter on XX/XX/2021 i never received any information from the credit bureau in reference to the investigation. They continue to update my account but i have been notified by the collector that the account was reported in error and should no longer be reported on my credit file but i still have not been contacted by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: MI

Complaint narrative:
I changed bank accounts and I had set up automatic payments. Somehow the auto payments didn't take out the first month. I didn't even know, I didn't receive anything in the mail or email. I didn't see anything on my banking show me anything different and I was hit with a 30 day late. I tried working this out with XXXX XXXX and they did not care what the situation was. I have never been late with them before or since. This was a fluke on banking. I have since switched back to my regular bank account and wont be switching account any time soon as this was a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
SunTrust Fraud Department XXXX Ext XXXX, From : XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2021, XXXX XXXX  EST Subject : RE : Affidavit for SunTrust Thank you for the signed affidavit. The bank of first deposit will also need proof of alteration in order to process you claim. 

** When emailing the affidavit back PLEASE include proof of alteration, which can include any of the following : Carbon copy of check, scanned image of check before alterations, invoice, bill, or any other supporting documents. ** Your claim will not be submitted without proof of alterations, no exceptions** This was the email sent to me by the Fraud Department at SunTrust , XXXX XXXX wants burden of proof of the fraudulent withdrawal of my checking account from any unknown subject who stole my check from the mail, white washed the check and filled in the amount of XXXX, causing financial destruction and employment not only for myself but for my son. I have now been fighting SunTrust to get my money back, which I might add was a loan to move for employment, now I am responsible for the payback and interest of this loan. Now my son lost his job, I lost my interviews, could not move, am devastated financial because they also deposited my Social Security check in the old account even though they said to come to bank and they would transfer to new account, when I got there they said they did not know to transfer. Talk about criminal activity this is an inside job, from XXXX XXXX  and SunTrust, not to mention the US Postal Service, must be a gang. Now I have the burden of proof that I took out a loan to move and not wrote the check to someone I don't know and for what? This is criminal and someone needs to be pay, I have suffered.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following disputes have been outstanding for longer than 30 days. Please see attached. According to the FCRA disputes should be completed within 30 days. Anything past 30 days is considered unverifiable.

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 2021-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2021 Attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN:XXXX Email : XXXX Reasons : I would like all of my derogatory remarks removed immediately. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX XXXX  Account number:XXXX  Date Filed : XX/XX/2021 Type of Account : Collection Address:XXXX  XXXX XXXX XXXX XXXX, WA XXXX Phone:XXXX Reason : THIS IS INACCURATE

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 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: WI

Complaint narrative:
I have been working with the Dovenmuehle Loss draft department because of my house damage claim and have been misled, confused, and left in the dark by their service representatives. The details of my loan require my mortgage holder to endorse the insurance checks that cover the repairs for my house claim. From the beginning of my interaction with their Loss Draft department no one from Dovenmuehle provided me with a checklist or documentation outlining any procedures for releasing funds to pay for the repairs I did not even know they would hold back funds without documentation until I called and asked about the status of the checks. 

I have had to call over 10 times to get status updates regarding the processing of the claim. Almost every time I have called I received different requirements and information about what they need to release funds at times I have had to pay out of my own savings for repairs because the Dovenmuehle Loss Draft department was unable to release funds due to " missing '' documentation that was never disclosed. I have spoken with multiple individuals including a manager and received different messaging around what is required each time to release held funds and have received minimal correspondence from the department as a whole. I received a procedural document from them once that did not match up with what I was being told on the phone and my most recent conversation with a supervisor/manager revealed yet another procedure or hidden step to overcome for the release of the remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Hello Sir or Madam, I was contacting you to get guidance on filing a complaint against One Main Financial, Owned by XXXX XXXX, account # XXXX. I have had an account with them for years and never had an issue until now. When issues with COVID first occurred I was having a hardship making payments in XXXX. I called Onemain XX/XX/XXXX to make arrangements and was told they have a program for covid that can help so I made arrangements to start my payments when I knew I would have money coming in to pay. I asked if I would be marked since I missed payments and I was told no due to the covid program. 

This year I ran my credit report and they marked 4 months late when I was told they would not. This has impacted my credit significantly causing issues for me now when starting my own business. I contacted one main and their credit dispute department told me to send them a letter and it would be corrected. I filed a dispute in XXXX and did not hear anything, filed again on XX/XX/XXXX, I followed their instructions and sent the letter and approximately 20 days later received a letter from one main stating that the records were correct that their Covid Program ended XXXX of XXXX which doesn't make sense when the shutdowns did not occur until after that time. I have requested the transcript for the call two times with no response from the company, and the representatives I have spoken with will not read me the notes from the day the payment arrangements were made only that they acknowledge the conversation that day. 

I requested the transcript from the recorded call that I had in XXXX which would show I was told there was a program and there would not be an issue as long as I made the promised payments which, I did. Since my last request in XXXX, they have not responded nor provided me the transcript for the original call in XX/XX/XXXX. I advised them in the last letter that if they did not provide the information I would be filing a complaint. 

This issue with one main has significantly impacted me credit-wise and I have resolved other issues I had during that same time. The impact on my credit puts me just below the range I need in order to get the loan I need to complete my construction for my business. 

Thank you for your time and consideration of this matter referenced Account XXXX Any assistance is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This was an ID theft and hacking Chase bank accounts to create an illegal wire transfer no contact by thieves with us.. 
In preparing to do XXXX bills for my XXXX yo step-mom, XXXX XXXX , joint account holder, I saw a PENDING wire xfer for {$9000.00} to a person unknown to us. I called Chase Bank immediately and requested a stop on it, Chase bank stated the person used my deceased father 's online ID to gain access. Chase failed to cancel that ID when I provided them the XXXX XXXX and took him off the account in XXXX. 
XXXX did not know how to access the account online and to the best of my knowledge did not know my father 's ID. 
Chase failed to notify the account holders of a very large amount and unusual method of moving funds, as neither of us has ever used Wire Transfers in our banking history. 
They failed to act in a timely manner when I discovered the transaction while it was still in 'Pending ' mode and called immediately to have it stopped.. 
They claimed a person identifying herself as XXXX called the bank to state the transfer was valid without verifying it was really her. At the time XXXX had neither health issues and rarely used the phone and she had very limited knowledge or comprehension these issues. As of this date the refuse to return the stolen funds. 
We have filed a report for fraud and ID theft with the XXXX XXXX XXXX XXXX XXXX case # XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
PROFESSIONAL FINANCE C has reported an account on my consumer credit report in the amount of {$530.00}. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor, this company is furnishing unauthorized and inaccurate information on my credit report and that would be resulting in identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
My Checking and Investment account has been locked by The Banking Institution without proper cause.

I have Talked to several representatives and have not received a direct answer to any of my Question.I was told I could Use my Debit card attached to this account even if it was Under investigation by this institution .but when I used the card to pay my bills.the transaction was declined. They told the investigation takes 3-days yet it has been more than 3 days since being locked out of This account without any explanation I have Identified myself as required with the information that was asked.Yet I can not get a Straight answer regarding this matter.They have hung up the phone, They Have Promised to call and Did not .I run a Small Business and I have Clients to Serve.I can't serve my clients without the funds needed. This investigation was not imitated by me Dates XXXX, XXXX XXXX, XXXX XXXX, XXXX each day of communication my calls to this institution. 
Thanks...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
This is a running theme that keeps happening over and over and over again with this same account in the same company. 

I scheduled payments to come out of the account on Friday and the bank only posts the transactions on Monday or Tuesday at which point the funds have run too low and they can charge me an overdraft fee of {$34.00} on a transaction that was only {$36.00}. 

This is some XXXX, because I scheduled my recurring payments to show up on Friday and every time I make a credit card payment I schedule it at least a week in advance to come out on Friday so that it is going out of the account by Friday at XXXX or XXXX XXXX before I even wake up. 

Imagine my surprise to find out that the transaction was not posted until Tuesday along with the corresponding overdraft fees. 

So far, this bank is made almost {$700.00} and some odd dollars off of me this year in overdraft fees in that exact way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX, I was alerted a credit card application was filed. Received a letter on XX/XX/21 stating my application for Chase Saphire card was denied due to my history. I did not apply for this card. 
Also on XXXX, I received 5 letters from XXXX bank stating someone opened and checking and savings account in my name. I did not or give anyone permission to do this. 

On XXXX, I did file a police report on these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Account Recovery Specialists, Inc.
State: OK

Complaint narrative:
ARSI continues to try to collect a debt that is over 7 years old and can't report to the credit and 4 years out of statute of limitations for them to sue me. 

But they continue to send me letters stating that if I don't respond to pay the bill, the attorney may file a sue against me. I have sent ARSI several times my FTC paperwork because the debt they are trying to collect is fraudulent, they continue to disregard the paperwork and keep sending me threatening letters. 

I contact ARSI at the beginning of XXXX when I received their last letter. I wanted to know when this debt occurred because the letter that was sent to me doesn't have the notice that this debt is out of the statute of limitations to collect or to report. On the first call, I was disconnected after I stated who I was. On the second call, after I verified myself, XXXX tells me that I have to speak with legal counsel XXXX XXXX. Then they inform me that he was on the phone and will have to call me back. Well, that is impossible because I have a cease and desist on file with them. If I accepted a call back from their legal counsel that would negate the Cease and Desist. 

I don't understand why ARSI keeps violating the Fair Credit Reporting Act in attempts to collect a debt. And why do they keep harrasing me by sending me threatening letters? But at this point, I'm done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I Paid vendor using this card to make an video for my business. And as part of the initial order the Vendor is supposed to send me the sample video and if i dont like the video they will refund the money i paid. 
But this vendor never sent me the sample video and not sent the full video. 
I contacted Bank to open dispute and Bank opened dispute and after few days they closed the dispute. When i asked Bank why they closed the dispute they said that vendor said that there is no error. This answer from Bank completely blown me away as the reason i opened dispute is that vendor didnt give me the service.. i did not open dispute saying its fraud ... all i am saying is i paid for this vendor and the vendor didnt fulfill the order and so technically i have to get my Money back. 

If Bank thinks the vendor provided service they should that proof from Vendor. Instead of asking that they are simply closing dispute. 

I tried to open dispute again but with futile efforts. 

Attaching the documents with resolution from Bank on both of these disputes. 

I am coming here for help.

Company response to consumer: Closed with explanation