vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
My mortgage comany, LoanCare owes me a check for {$3400.00}. It is an escrow overage payment that was incorrectly issued. 

The overage check is to be issued in my name, XXXX XXXX XXXX. I initiated this payment on XX/XX/2021 via email to a customer support individual. I called about the status of the status of the check on or around XX/XX/XXXX, as it hadn't been received. The customer support person I spoke with told me that there was an error and to look for the escrow overage check by XX/XX/2021. It never arrived. 

I again emailed the customer support individual that the check has not arrived. He did not respond. 

In summary I've emailed LoanCare twice and called the company as well. Over a month has elapsed since first I asked my name to be used on this overage check. LoanCare owes me {$3400.00}, which I need.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, These fraudulent accounts are reporting on credit report. Its been 1-2 months that that I sent in letters. The only results Ive gotten was it was verified. I want to know who verified it? By law in 30 days no results the accounts are suppose to be remove.

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 — Deposits and withdrawals
Company: Betterment LLC
State: MN

Complaint narrative:
0n XX/XX/2021 I made a withdraw from my brokerage account for the full balance. I have been with this company for over 10 years no problems thus far. Until I made this one I received a response from them telling me they could not verify my bank accounts and to please upload an id. Now why after working with this company for over 10 years would this problem come up? 

0n XX/XX/2021 the information to verify my identity " ID Upload was requested '' With the ultimatum of your withdraw is on hold until we receive this information. In a day and age where we are trying to not have identity theft this information is being requested after being a customer for 10 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AR Resources, Inc.
State: FL

Complaint narrative:
An entity called me claiming to be AR Resources, a debt collection company, from a restricted number and left a message. 

I called the number on that message and immediately the operator started berating me to get my personal information, including my SSN.

I did not give this to them and called the listed corporate number for AR resources : they confirmed that it was not them, and it is likely an impersonator looking to pose as debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I accidentally mailed in a check to the wrong bank for my XXXX  credit card. It was mailed to Citibank and knowing I do not have an account with them they cashed my check and placed it somewhere. I have provided proof where they cashed it, I have provided the amount the check number and have spoken to many representatives the first ones were very helpful. They actually located my check and the account it was placed in, they called it a special merch account. They said they would be mailing me a check with the amount on XX/XX/XXXX but I have not received anything. Now I try to call in and they are stating there is no way the check wad cashed if I have no account with Citi and I need to go through XXXX  and they transfer me without my knowledge. The last supervisor I spoke with was XXXX XXXX st XXXX ( central ) and he was rude cutting me off and then transferred me without listening to me situation. They check amount is over {$1500.00} and it is a loan check to pay off our credit cards. I haved faxed proof as they requested of the check cashed. Check # XXXX about {$1500.00} on XX/XX/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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
fcra violatons : remove not mine XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX, TX XXXX POST OFFICE BOX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX - LIVES XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX, TX XXXX POST OFFICE BOX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I have an account with TD Retail Card Services for my XXXX account. The account was setup for Auto Pay to pay from by bank account, but it seems that the auto-pay gets cancelled frequently if the payment against a purchase is complete and the company then charges late fees and negative credit reporting. Calling the Card company multiple times does not help as they give the same run around. If the account is checked it shows as the Auto Pay is setup and the only time when you are aware that the auto pay does not work is when the late fees are charged against the account. When the auto pay is being setup it is never stated that the auto pay gets cancelled if the payment against a purchase is made and we need to setup the auto pay again

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have an account with Wells Fargo. I made a fraud claim for a {$300.00} transaction from XX/XX/2021. I was given a claim number and told that the claim would be investigated and that I would be updated in 10 days. I have called multiple times since, and Wells Fargo says that they can not find the claim number. I have also not been updated by email or mail on my claim.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have requested the following companies to validate their claim that I owe them and they have failed. I am not aware of any agreement that exists between myself and these companies. Please remove these accounts from my credit reports XXXX {$790.00} act XXXX XXXX  XXXX  {$470.00} act 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: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/21, I discovered a {$5000.00} unauthorized cash advance was made on my Wells Fargo credit card ending in XXXX. At approximately XXXX XXXX. on XX/XX/21, there were no other cash advances listed or pending, and after reporting it to Wells Fargo, this card was closed. A new credit card was issued. 
On XX/XX/21, I went to a Wells Fargo branch office, and discovered that my savings account ending in XXXX had received the {$5000.00} from the credit card, and then unauthorized XXXX transfers of this amount going to an individual unknown to me had been made. This savings account was closed. 
On XX/XX/21, I went to the same branch, and reported that an additional unauthorized cash advance of {$5000.00} was taken from my closed credit card ending in XXXX. This money was deposited into my new savings account ending in XXXX, and then {$5000.00} was transferred with XXXX to the same unknown individual. 
On XX/XX/21, the Wells Fargo online fraud unit concluded that I, or someone I authorized, committed the above mentioned felonies. I did not. 
On XX/XX/21, XXXX XXXX from the Wells Fargo XXXX unit, stated that I had been a victim of online fraud, and that there were various attempts from XXXX, XXXX, and XXXX to access my account. She had gone over my history, and determined I had never taken a cash advance or used the XXXX system. 
My complaint is that Wells Fargo did not properly monitor my accounts, and allowed subsequent fraudulent transactions to be made after I made my initial complaint to them. 
I would like this to be resolved because my credit card is still showing that I owe {$10000.00}, which includes the two withdrawals, fees and interest. 
I have had a checking account with this bank for 26 years, and find this treatment outrageous.

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 monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resource Management Group
State: GA

Complaint narrative:
First, I received a call from RMG ( resource management group ) about a medical bill from XX/XX/2012, from XXXX XXXX. I was not notified about this bill at all via mail or email. I did not know who they were, so I told the rep to send me more information, and she did via email while I was on the phone with her. I hung up on her because I did not know RMG, and they kept calling. 

I decided to call Dekalb Medical, now XXXX, about this debt. I called the finance department, and they said that they see something but could not give me more information as the case was too old for their current system. I also mention RMG giving me call but they said they never heard of them and I spoke to two different reps.They gave me a name and number that they handed the case to, XXXX XXXX XXXX. I called them, and they said that they did, in fact, had a debt that I owe even though I was XXXX years old at the time and was under my father 's insurance. The rep said that I had to pay not to affect my score or turn into a lien. I was not advised that I could make a payment plan or dispute it. So I paid for it, and now my parents said that I should have insurance and that they register me as self-pay at the time. 

I do not want this on my credit, and I want to dispute it, especially since I never received a letter in the mail or anything like that, and it was back in 2012 past the limitation. I would want copies of them taking this off my credit. 

I am still getting calls from RMG.

Company response to consumer: Untimely response
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX should not be reporting to XXXX  ; XXXX and Transunion a collection/charge off in the amount of {$720.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) All of the required equipment was returned in a timely manner per the agreement after services and contract had ended and this chargeoff is reporting in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX should not be reporting to XXXX  ; Experian and XXXX  a collection/charge off in the amount of {$720.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) All of the required equipment was returned in a timely manner per the agreement after services and contract had ended and this chargeoff is reporting in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove this however, I have not been successful.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
not mine FCRA violations XXXX XXXX {$0.00} Closed 24 potentially negative months Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$14000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$14000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO CO - - - XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO XXXX - - - - - - - XXXX XXXX XXXX On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 79 Months Company sold Invalid date Original creditor - Comments Transferred to another lender Purchased by another lender Your statements - Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX You're looking at an old report. 
If something doesn't look right here, check your most recent credit report to see if it's up to date. 
Hide not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
It is Bank of America. I paid of outstanding balance and they charged me interest the next month. I called to no avail. Bank of America 's website and my statement states if you pay off balance, you will not be charged interest. 

Attached is the letter I sent. I have heard nothing back. 

Thanks 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: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR

Complaint narrative:
I applied for an HSBC Premier Checking account on XX/XX/XXXX under a promotional offer whereby HSBC Bank promised to pay a welcome bonus for completing direct deposits. They are refusing to pay the bonus because they say I didn't apply by following a link that would make my account eligible. This is not true. I have followed all terms and conditions and the bank refuses to pay the bonus. See attached terms of the bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
XXXX  is reporting the same account from Rent Recovery Solutions twice. The collection open dates are different for the same amount and the same account number of XXXX. I have sent multiple letters disputing the inaccurate reporting and this have not been resolved. I keep getting a response stating BOTH accounts are reporting accurately. When its clear that its is NOT. XXXX  added the account in XX/XX/2020. I received no notification from the company. The dispute process has been unsuccessful, as XXXX  states this is verified correct. This has impact my credit tremendously and to not have this inaccurate item removed is stressful. My next step is legal action.

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: IA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Today is XX/XX/21. For at least 3 weeks, I have been trying to sell my XXXX held with Coinbase. Coinbase has my account restricted and will not initiate the transaction. I had gone through their ID verification steps 3 times before it even let me back into my account, including one where I had to take a picture of me holding a sign saying " for coinbase ID verification ''. Now, they are holding my funds XXXX, and after numerous submissions to their customer service letting them know my account was still locked and I could not sell my XXXX, they have not responded a single time! Every day, I try to sell, I can't, then I send another message to Coinbase. Coinbase is ILLEGALLY withholding my funds. I have XXXX XXXX, which as of today is worth around {$12000.00}. I have screenshots for every day proving all of this ( todays ' is attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have requested the following companies to validate their claim that I owe them and they have failed. I am not aware of any agreement that exists between myself and these companies. Please remove these accounts from my credit reports XXXX {$790.00} act XXXX XXXX XXXX {$470.00} act XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT 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