vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
XXXX : I informed XXXX XXXX  in writing that they should close my ( XXXX  ) account and I would be initiating a transfer of all of my cash out within the next week ... ... XXXX : Transferred all cash from XXXX XXXX  to an external account|Account balance : {$0.00} ... ... XXXX : XXXX XXXX processed and rejected a bill-pay charge for the amount of XXXX as the account balance was XXXX dollars.XXXX XXXX added two charges to the account., a {$35.00} overdraft fee to the account due to the above payment rejection. a {$20.00} maintenance fee.|Account balance : - {$55.00} ... ... XXXX : XXXX XXXX processed and rejected the same charge ( XXXX ) ... ... XXXX : XXXX XXXX  added earned interest ( XXXX cents ) to the account.|Account balance : - {$49.00} ... ... XXXX : XXXX XXXX  processed nd rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$84.00} ... ... XXXX : XXXX XXXX  processed and rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$110.00} ... ... XXXX : XXXX XXXX  adds {$15.00} maintenance fee.|Account balance : - {$130.00} ... ... XXXX : XXXX XXXX adds {$15.00} maintenance fee.|Account balance : - {$140.00} ... ... XXXX : XXXX XXXX submits {$140.00} bill to collections, closes account.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone not authorized by me entered in my business account at XXXX on XX/XX/2021, with my User ID and Password XXXX XXXX XXXX XXXX  ( XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX ) in direct pay, few day after on XX/XX/XXXX and XX/XX/2021, there were two withdrawals of {$24000.00} and {$24000.00}, by multiples payments for a total amount of {$49000.00} : I made the report on XX/XX/2021, to WELLS FARGO fraud department and on XX/XX/XXXX, they deny my claim alleging that me or someone authorized by me made these transactions, what is absolutely false its a FRAUD, after receiving this response from the bank i made a police report then i give it to the bank making a new claim. 
It should be noted, i never received any mail, text message or alert about this 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 non-monetary relief
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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
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: Ocwen Financial Corporation
State: WY

Complaint narrative:
Begin in XXXX to do modification. Had to refile due to divorce. Obtained, XXXX  XXXX XXXX in WY a foreclosure Counselor to mediate, XXXX. They have spent 2 years trying to resolve this issue. I turn in papers, and they want something more. This last time we were told that it was in " committee '' I received a request for my divorce paper and taxes. I have sent this information 3 times, at least. 
You may verify through XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Business Acct and Personal Acct were attacked / accessed on XX/XX/XXXX at a Wells Fargo ATM machine while the cards were in my possession locked up at home, I never used an ATM in 20 years with this bank. 

Total funds withdrawn are {$20.00} at XXXX, {$680.00} at XXXX. ( Total XXXX ) According to the Well Fargo service rep, the bank provides this service, that, if you forget or lost your card and need money you can call some Customer Service number and they provide you a temporary PIN to access an ATM to get money. Also found out the bank raised the min withdrawals up to {$710.00}. This occurred 3 times, XXXX, XXXX, XXXX, on XX/XX/XXXX without customer verification, validation. 

I am out {$700.00}, discussed with the bank, and they are not being corporative. In addition, the bank rep stated, that they have had so many of these issues, that they are planning to terminate this failed service on XX/XX/XXXX. 

I reported it to the Sheriffs Department in XXXX FL, and they are looking into it, it is not the first case for them. Case XXXX, Identity Theft, Fraudulent use of Personal Information, XXXX -- -- -- -- -- -- -- -- -- - Beware - Worst Banks To Deal With -- -- ->. XXXX Web inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What are the worst banks to bank with? 
Wells Fargo & Company was ranked as the bank with the worst reputation in America, according to the XXXX ( and XXXX! ) XXXX XXXX XXXX XXXX Rankings. For the second year in a row, the company ranks at number 96 and has a reputation quotient ( RQ ) of XXXX out of a maximum score of 100.XX/XX/XXXXThe four banks with the largest total number of complaints included XXXX XXXX with XXXX complaints followed by Wells Fargo & Company ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
This is the company LOAN CARE THEY make it impossible to pay your loan by phone or on line. 
The sign in does not work it says I have the wrong username and I DO NOT. 
The recording on their phone is about 15 minutes long and never puts you thru to anyone when I push the prompts. 
Also It never allows me to pay by phone just goes into another recording that lasts forever about XXXX I dont need to know.

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: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Company told me they deleted this account and they are still reporting it as collection to credit bureaus. Was told they reported to delete on XX/XX/XXXX and it still is showing on my XXXX credit report. Needs to be updated via eoscar to credit bureaus

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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
Popular Bank of Puerto Rico charged me an annual fee. When I close the account and requested to waive that fee because I will not use the credit card anymore, they told me I have to paid that annual fee, no matter what. 
I wrote to the Bank CEO, Mr. XXXX XXXX, explaining to him the issue and asking him for help. No answer.

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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
My XX/XX/2020 payment shows I was over 30 days late. However my account was not 30 days late. I have contacted GM about the inaccurate reporting and they advised me to contact the credit bureaus. I have but have had no resolution on this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I transferred {$2000.00} from my TD Bank account to my daughter 's account in XXXX with XXXX XXXX XXXX using Xoom.com, a division of XXXX. A day or so later, I discovered that I had made a mistake typing the XXXX number for international transfers. Although the money went to the correct bank, it did not go to her account. I called Xoom but because they had classified the transaction as " complete, '' they would not cancel the transaction, refund the money or see that it was credited to the correct account. I have called repeatedly and opened cases via their website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and several times in XXXX. I have called repeatedly and been assured that a supervisor would send me an email, but all I have received were automatic responses to my complaints. One customer service person asked me to send a copy of my daughter 's bank statement to show the funds were not deposited, I did this, but the money has still not been either refunded or deposited in the correct account. The last case number I was assigned is XXXX but I am convinced this is a scam and the company is not making any effort to track my {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
XXXX XXXX online credit card payment {$78.00} XXXX XXXX XXXX charge {$37.00} return item fee charged online banking print out shows 3 overdraft fee times {$37.00} each and a return Check fee Total 4 fee 's {$140.00} TCF return {$74.00} of the fee 's still owe {$74.00}. 

The {$78.00} online payment should of been posted and paid on XXXX XXXX not. Enclosed is copy of date and confirmation number. 

Now credit card posted my account a " Return payment {$78.00} and a Past Due fee {$25.00} Making/Resulting in- a NEGATIVE MARK on my credit report Dated XXXX XXXX Enclosed copy statement, TCF XXXX XXXX posted " Backdated credit '' to my account for the online payment $ XXXX This is Not credit in time for me to make *Another* payment BACK to my credit card account along with the Past Due charge- I was then charged for and the Negative {$78.00} payment I had originally made. 

TCF owes me {$78.00} plus {$25.00} past due charge Total {$100.00} NOTE : this is a " Continuance from this Issue/from Complaint # XXXX making this Complaint an- Addition to- of the Further Harm.

Company response to consumer: Closed with monetary relief
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 information incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I have contacted Ally two times in regards to an auto debt that they have has charged off on my report. I am reporting them for one of several reasons : 1. My last payment date is not correct and I have requested they show proof of my last payment since it is a year older than when my last payment was-My last payment was XX/XX/2015 they have XXXX XXXX They have failed to provide it. 
2. I called and try to settle the debt, but they say it's being handled by XXXX XXXX XXXX, which is not on my credit report. XXXX will do a pay to delete, but that will leave Ally still on my report. 
3. The auto in question ( had two active accounts with Ally paid one-off in full ) was turned back into the dealership and resold. I have asked for proof of the resale amount and breakdown of fees and have not received requested documents,

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 — Account information incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden 1 Credit union performed an unauthorized Hard inquiry on my credit report on XX/XX/2019. I did not approve this inquiry, as such I would like it to be removed from all credit reporting bureaus.

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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My payment for the month of XX/XX/2020 shows as XXXX days late. However my due date was XX/XX/XXXX and my payment was processed on this date. I have spoken with Capital One and they advised I was not XXXX  days late but I need to peak with credit bureaus and I have and they have not changed my payment record.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A mortgage lender attempted to pull credit file from Equifax but unable to do so. I called Equifax and there seems to be no issue ( no freeze, etc. ). The lender is still unable to pull credit file from Equifax.

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: PA

Complaint narrative:
On XX/XX/2020 I sent a letter to XXXX  requesting they either send me proof for the following inaccurate items on my credit report : Item : XXXX XXXX, XXXX. 
Account # : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Account # : XXXX Reason : Not My Account Item : XXXX XXXX XXXX closed ) Reason : Not My Account ( Attached is documentation from XXXX stating that after conducting their investigation they discovered that this collection account is not my account and it was deleted, so I would like for it to be deleted from your records as well ). 

I stated I need documentation that these accounts are mine since they are being reported on my credit report. I also stated if they did not respond to my letter within 30 days of me sending the letter out, these items would have to be deleted for not providing proof. They still have not responded to my letters so that is the reason I am reaching out here today. I would like the following above items removed from my credit report if they can not accurately provide proof that these accounts are mine.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I keep contacting transunion to get my report to correct there error company won't respond

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It XXXX Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADDRESSES DO NOT BELONG TO ME, PLEASE UPDATE MY ADDRESS XXXX XXXX XXXX PL XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX COMPLEX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 




XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FAMILY

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom It may concern, Under The Fair Credit Reporting Act, Section 609, I asked Experian to check some information concerning some charges off on my credit report. 

I did request that if Experian could not get any answers to my specific questions in the next XXXX  days to remove those negative items from my Experian Credit Report. 

I has been more than XXXX days that Experian received my correspondence. 

Not only Experian has ever answered my letter and the items in question are still on my 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 explanation