vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: Grain Technology, Inc.
State: OR

Complaint narrative:
I obtained my consumer report on XX/XX/21 and I have negative late payment remarks reporting that I believe are inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.

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 2021-03-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My ex friend posted my info on her social media outlets telling all her followers to commit unemployment and PUA fraud. I then started to get inquiries that i do not recognize. I also got a email from XXXX saying some tried to use another account to file my info on XX/XX/XXXX. I had already filed my return on XX/XX/XXXX. Also, I always file my son. Knowing they do not have my son 's info, the account filed without my dependent is fraudulent. The person who posted my info name is XXXX XXXX XXXX, XXXX : XX/XX/XXXX. Her home address is XXXX XXXX XXXX, XXXX, il, XXXX. I tried to go to my local police department but they told me to file a non emergency report online. I have a XXXX card inquire and a XXXX inquire that was not me. If this woman ( XXXX XXXX XXXX XXXX has your info for any reason report her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
I am being grossly overcharged for a service that costed considerably less. 
I was not told that the fees would be excessive as they are and I believe there was a switch and bait with the paperwork completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I opened an account with Gemini on XX/XX/XXXX and deposited {$500.00}. I have uploaded my personal documents for verification, which on their website is indicated to take 5-7 days. As of now ( XX/XX/XXXX ), the status is still " pending verification '' and I am unable to withdraw my money. 

I have contacted the company multiple times in the past 2 weeks and received no reply. I have ultimately requested that they close the account and return my money and still received no reply. I am suspicious that this is a scam for the company to take away the money that I have deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
We took a mortgage loan for property XXXX XXXX XXXX  XXXX NJ XXXX on XX/XX/XXXX, and paid upfront Mortgage Insurance for {$6900.00} to avoid Monthly PMI payments since we put a down payment of 5 %. The loan was closed by XXXX XXXX XXXX XXXX XXXX Loan Officer - XXXX XXXX NMLS ID XXXX but currently serviced by AmeriHome Mortgage Loan Account XXXX However, we refinanced our mortgage with a lower rate, and AmeriHome Mortgage Account # XXXX was fully paid on XX/XX/XXXX. Therefore, I contacted the AmeriHome Customer dept to issue a Partial Refund of upfront paid Mortgage Insurance - {$6900.00} since the loan was fully paid in 14 months ( less than two years ). The Customer Rep asked me to send a written request for a refund, which I did two times XX/XX/XXXX ref # XXXX & XX/XX/XXXX ref # XXXX using AmeriHome online Message Center and both times they dodged my written query and second time closed it with no response. So I filed a complaint with XXXX XXXX XXXX, Complaint # XXXX, after which Amerihome Custome Manager XXXX XXXX contacted me and assured refund would be issued within 60 days. 

However, after a few weeks, Amerihome refused to issue a refund by saying that policy is non-refundable and asked to file an appeal with the XXXX customer dept. We were shocked to see the response as this was utterly cheating customer trust and causing significant financial loss without any of our faults. The policy details were never disclosed to us when closing the loan on XX/XX/XXXX ; neither did we sign any policy document showing it will be non-refundable. 

The Mortgage Insurance policy from XXXX XXXX XXXX, XXXX Certificate # XXXX, was bought by Loan Officer XXXX XXXX. In fact, when I was trying to refinance my loan last year, I first contacted the same Loan Officer, XXXX XXXX. Even at that time, he mentioned the policy would be refunded after they processed my new refinance loan and ran my credit in the last week of XX/XX/XXXX. But we proceeded to refinance the loan with another lender since they offered a better rate. 

As Amerihome Mortgage suggested, I sent an Appeal to the XXXX Customer dept via email on XX/XX/XXXX with all the details. Additionally, Loan Officer XXXX XXXX called me on XX/XX/XXXX, assuring a refund would be issued, when I confronted him on the call that you never disclosed policy terms or shared any policy documents during the closing. 

At this point, we attempted multiple times to resolve this issue and getting no help either from the Lender or XXXX policy issuer. For reference, attached is the email thread with XXXX and Amerihome Mortgage. The lender never shared any policy details or documents with us during the loan closing, which is a violation of the financial transparency law, refusing to accept their responsibility. I humbly request to help my family suffering a significant financial loss without any of our faults.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
XX/XX/XXXX debt appeared on credit report. I do not owe this medical bill. All my medical care is through XXXX in XXXX California, all medical benefits are fully covered no need to go to other medical facilities. Personal information breached in XX/XX/XXXX through XXXX website, this is fraud or identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was sitting at home after coming back from a local XXXX XXXX store when I recieved an unauthorized charge on my debt card from XXXX XXXX XXXX in Tennessee for the amount of {$370.00} i called chase fraud number and they were closed this is unacceptable because i needed there help they didnt help assist me at all even after i spoke to a different person who told me to call back Tommorow i need this resolved now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WI

Complaint narrative:
We were suddenly denied a loan that already had closing disclosures and all documents in place. It appeared we met all requirements and we had paid the {$500.00} processing fee. On the scheduled day of closing, I called my loan officer to ask how the closing was to take place and she seemed confused that the loan didnt close. She had no explanation for why the loan wasnt closing or why we hadnt been contacted about any issues. 

A few days later, on XX/XX/XXXX, we received a request for two months of consecutive bank statements proving {$250.00} in assets. We were confused, since XXXX already had the most recent two months of consecutive bank statements, which proved significantly more than {$250.00} in assets. This leads me to believe our account was mixed with another file. 

On the same day, before I could even send clarification, we got a statement of credit denial from XXXX. 

On XX/XX/XXXX, I sent a certified letter requesting information about the denial to the contact address provided ( I included my name, property address, and mortgage account number ). 

On XX/XX/XXXX, XXXX received the certified letter. 

CFPB guidelines state : The servicer must acknowledge your letter within five business days of receiving it. 

I still have not received acknowledgement of receipt. ( It is now XX/XX/XXXX ) CFPB guidelines also state : Generally, within 30 business days, the servicer must search for the information and either : o Provide the requested information in writing, or o Determine that the requested information was not available and send you a written notice explaining why they could not respond. 

I still have not received the information in writing or a written notice explaining why they could not respond.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a dispute letter regarding XXXX XXXX XXXX XXXX account # XXXX. I had received a letter back from TransUnion file number XXXX stating account not specified. As Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you could not verify the information within the 30 day time period, account should have been deleted from 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
Consumer complaint received 2021-03-15 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: AL

Complaint narrative:
I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to secure a home. I saw a few accounts on my profile that i have no idea about.I did not authorize them. I reach out to the credit bureaus XXXX  XXXX  and transunion regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.

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 2021-03-15 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: AL

Complaint narrative:
I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to secure a home. I saw a few accounts on my profile that i have no idea about.I did not authorize them. I reach out to the credit bureaus XXXX  equifax and XXXX  regarding these accounts and they explain to me that i need an FTC report. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: OR

Complaint narrative:
I obtained my consumer report on XX/XX/21 and I have negative late payment remarks reporting that I believe are inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
The company Coinbase has prevented me from withdrawing funds. It has said that I can not have more then 10 pending withdrawals at once. In the past Coinbase has also degraded or blocked my account. The company has ties to the Trump administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I initially filed a dispute for a service with my bank, USAA that I had on XX/XX/2020. I was given a temporary credit for {$70.00} the amount in dispute. I have sent in lots of proof of what occurred as they asked for additional information in which I provided it to them. I use the USAA XXXX XXXX for my banking needs and I was not aware initially that correspondences regarding this dispute were even sent to me until I made the call and spoke to a representative who acknowledged that these were not provided under the app and agreed with me that they should have been. So that is an error on the banks end. I had no way of providing the information the first time without knowing what was being requested by the dispute team. So I called and had the dispute reopened and I provided all applicable documents on the app in which I have confirmation of. I called back and explained and was told I have no dispute rights. I see they are trying to reverse {$140.00} when it should only be {$70.00}. I am going to attempt to contact the bank tomorrow to further discuss with a higher department hopefully to get resolution. I was also promised a call from a dispute analyst and that never occurred. I am very disappointed in the way this dispute has been handled. It is now mid XXXX and this has been dragged out far too long. I have provided more than enough information and I want this resolved as I feel I am in the right due to the evidence and circumstances of this dispute. 

I feel that there were multiple errors during this dispute process. The bank mishandled my dispute and falsely claimed I didnt submit documents therefore the bank is in direct violation of Regulation E and is now holding me responsible due to me not providing information to the bank. All information as well as pictures and requested information was provided yet the bank failed to follow proper procedures and process the dispute in a timely accurate way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
In XXXX of 2019 trump signed a bill that certain things be left out or credit profile. Another thing is failing to identify who holds the debt, they are three on one report. I have asked that my medical bills be verified and one the Veteran Affairs is responsible for. I request that the three I identified account be removed at once. On one report I chit them in a lie and they removed the address from the report and its back on there. XXXX  removed it from my report before the address was changed. Im so stressed over this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Your recent claim stating you validated regarding a closed auto loan account # XXXX, which you claim I owe {$13000.00} and a closed auto loan account # XXXX which you claim I owe {$0.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I have mailed out once again a certified letter tracking # XXXX stating this request. I have also talked to American Honda Finance agent of this matter and sent police report, affidavit, id, proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive sent Equifax countless letters on XXXX, XX/XX/2020. regarding this account that is on my consumer credit report which is a deformation of my character! This account goes against FCRA section 623. All negative information on your credit report must have information so you can dispute it but it dont so this is a violate also How can you send a debt validation if you cant find who report it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a XXXX mortgage serviced by Wells Fargo. Im a first time home owner of 4 years so I was confused with the servicer part at first. I was impacted by the XXXX pandemic, so being a single parent, the forbearance sounded like the way to go, however it was not. By the third month I received a letter letting me know that my home could go into foreclosure but they were letting me stay on a forbearance. Two months later I received a letter letting me know I had 3 choices to avoid foreclosure, vacate my premises, a short sale or agree to turning my mortgage into a 40 year mortgage and theyd put the forbearance sim on the end. I faxed Wells Fargo letting them know that I was not interested in a 40 year term for 5-6 months of a forbearance when Im down to 26 years left on my mortgage. Furthermore, physically speaking with them I let them know that Id be willing to pay a weekly sum to get caught up. They refused, switched me to different extensions and said theyd get back to me. They tried to tell me I broke an agreement, the 40 year term after 3 payments on time. I told them I never agreed to that and now theyre sending me letters about to foreclose. I have medical XXXX, yes we finally are working as normal but I dont get paid when my company works out of state because I cant go. Im having a hard time getting vaccinated. This is too stressful.

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Yes, include name, old address, XXXX account I never applied for also XXXX  XXXX credit card. All from the same lender Midland credit management one for XXXX $ another for XXXX $ at the time the card was applied for I wasn't leaving at that residences anymore. I had moved otut in XX/XX/XXXX I believe the account where made in XXXX or XXXX of XXXX. I just received a letter this year. I began to fix my credit score and account in my name that I had no clue what so ever where and when cause I didn't creat those two.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NM

Complaint narrative:
My first name is XXXX XXXX XXXX XXXX XXXX XXXX but equifax is reporting XXXX XXXX XXXX XXXX XXXX missing the second letter I between the V and A after many disputes equifax refuses to update my name and its becoming frustrating and overwhelming please help. Attach to this dispute I am providing an utility bill to prove my case

Company response to consumer: Closed with explanation