vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo student loan department because I have a 30 day late payment on my credit. My daughter went on line got her balance and went into a branch to pay off her students loans. The clerk at Wells Fargo assured her the loan was paid off, however, it was not. There was daily interest that she was not aware of. I want them to remove the 30 day late from our credit. I called them and explained the situation and received a letter today stating they found the information accurate. When an employee from Wells Fargo tells you your loan is paid in full, you automatically assumed that it is paid off.

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 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I deposited {$1900.00} cash into the atm XXXX at XXXX pm ... The atm screen showed there is a problem with the atm and the transaction can not be counted and the money can not be returned. It then showed a screen to manually enter the amount of deposit. I entered {$1900.00} and hit print receipt. The receipt only showed {$300.00}. {$1600.00} is missing. I immediately went to the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who started a claim # XXXX with the atm vendor by telephone at the XXXX with XXXX XXXX XXXX at the telephone # shown on receipt that states we created an issue record that will be attached to your transaction. It has been 13 days and they have not resolved this claim. The atm should have been counted the next day and receipts checked. This issue should have been resolved immediately. As of today I have a temporary credit of {$1600.00} in my account which I am worried will be removed at any time because they will state the atm was not over {$1600.00} in cash on that day.

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 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I closed my Citi XXXX checking account some time in XXXX XXXX, and received an email confirmation on XX/XX/XXXX. I had been trying to close the account all week, but there was no option to do so online, and I had spent hours on hold during several occasions trying to reach a representative to do so. When I finally spoke with an agent to request the account closure, I was concerned I'd get hit for the {$100.00} fee for having a balance below the minimum. When I explained that to the agent, she assured me that the fee would be waived if it did hit the account because she understood my intent had been to close the account prior to having the fee assessed. 

I then began receiving overdraft messages stating that I owed the {$100.00}. I tried calling several times and finally reached an agent today ( XX/XX/XXXX at XXXX ). She explained there was an error in the way they closed my account that caused the fee to hit my account. She suggested she would fix it by mailing me a check for the {$100.00} so I could come to a branch and pay off the overdraft. I explained it was ridiculous to send me a check for money that doesn't belong to me just so I can go to a branch and pay it back. She saw my point and agreed to get a XXXX on the phone. I waited on hold for 45 minutes to speak with a XXXX, who then explained that my account had not been closed when I called because the call ended without their reading me disclosures. I don't remember the call ending abruptly, and do believe they read disclosures. The XXXX went on to explain the 1st fee did get waived, but the fee that caused the overdraft was for the following month because my account had not been closed. Again, she provided a solution of sending me a check that I could bring to a branch and payoff my overdraft. After once again explaining how ridiculous of a solution that was and that I planned to submit a complaint to the CFPB, she finally offered to send an email to backoffice to reverse the fee instead. 

I don't believe she will actually do it, so I am submitting this complaint to insure my credit bureau score is not impacted negatively by this. I also don't believe that my account had not been closed after my request because they didn't read disclosures. If that had been true, the account would not have gotten closed the following month either. Seems obvious that someone discovered that the account had not been properly closed when it should have been and fixed that, but forgot to also fix the fact that fees were hitting a " what should have been closed account. ". This is a ridiculous amount of incompetence for a major bank.

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 2021-03-22 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 recently challenged the Accounts thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 
I have attached my ID to this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Continuously tried to setup min pymt due with their reps since XX/XX/XXXX, but kept getting billed for the full amt anyhow and the auto debit was screwing up my bank bal. I got frustrated with the back and forth calls to try and get this problem fixed and still not getting anything resolved. I don't feel that the late fees or interests incurred since XX/XX/XXXX should be my responsibility bcs of their negligence. But I was willing to pay the prev bal of {$170.00}, the annual fee of {$110.00} and the last purchase of {$19.00}, plus the fees that could not be waived, for a total of {$340.00}. But the last XXXX, XXXX # XXXX, said that I was only able to make this payment by phone or online on today 's date ( XX/XX/XXXX ) to satisfy my outstanding bal ; however, knowing how unsuccessful its been over call conversations, I asked for this suggested bal amt in writing but was unformed that it could not be done. Again, I'm willing to pay the suggested amount of {$340.00}. I'm just not trusting that Synchrony Bank would not bill me for the remaining charges later on ; thus adding on to the screw-up on my credit report that I've worked so hard to rebuild. Thank 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 monetary relief
Consumer complaint received 2021-03-22 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: TX

Complaint narrative:
I reported that the student loan is not me on the my credit report with Transunion also sent is a identity affidavit which they receive XX/XX/XXXX upon their request. Ye they still wont remove the the item from my credit report. Although I was told they would remove student loan and other accounts not mines. These is unlawful and unauthorized XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX DEPT OF ED/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 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
On XX/XX/2021, I attempted an ACH transfer of {$4200.00} from my bank account to my Coinbase Pro online wallet. The money was taken out of my bank account, but it is still in a Pending Deposit status and was never deposited into my Coinbase Pro online wallet. I have had many other smaller ACH transfers deposited into my online wallet just fine, but this one has been over 5 weeks now and I still do not know where my money is!

After waiting a few days, I did open up a ticket with Coinbase Support, but still do not have a resolution and am still out this {$4200.00}! I did get a response from Coinbase Support a few weeks ago, but it appeared to be an automatic/ robotic reply and not an individualized or from a person, and plus the answer was something about me needing to owe or deposit even more more money to resolve the problem. What?!?!?!

I can provide my Coinbase Support case # if requested. Notably, I can actually see the deposit in my online wallet account under USD in a Pending Deposit status, but can not access or use the money and I am contemplating legal action. I am attaching a screenshot of my online wallet ( does not contain any identifying information ) that shows this one still in a Pending status. 
Please help as I am getting very frustrated! I also have the ACH transaction number from my bank and can provide that if needed. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: CO

Complaint narrative:
The debt that the collector is trying to collect is a medical debt due to auto accident. The medical facility has been given auto insurance information that would pay the claim and medical insurance that also would pay the claim on three separate occasions via mail once and by phone twice. The last being in XX/XX/XXXX. I have verified as of XX/XX/XXXX that the medical company has not submitted the bill to either insurance company. When I was first notified of the debt I disputed over the phone twice giving the collection agency the above information along with dates and whom I spoke to at the medical center. I did not hear anything from either the medical company or debt collector ( by phone, writing, text or email ) until late XX/XX/XXXXvia a text message and subsequent voicemail. I called back to dispute the debt and when they continued to try an collect I responded by text to their message disputing the debt multiple times as well as email so I had it in writing. I also called back to dispute the debt again. I have not received any further communication from the medical center after leaving multiple messages. The debt collector has not responded to any of my messages disputing the debt and continues trying to collect this debt that still has not been billed to either insurance provided to the facility.

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 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/2021 about XXXX XXXX  PST, I received message saying that someone login my robinhood account in NY while I lived in CA. And robinhood " nicely '' remind me if it was not me, contact them ASAP. I realized that was a scam so I tried to login in my robinhood app ASAP, but I failed. I tried to reset password but no email received. Obviously robinhood let someone changed my account email, password without asking me. So I emailed robinhood right away because they don't have phone customer service. However, the next day, someone opened a cash management debit card from my account, sold my stocks and withdraw my money! During the process robinhood is doing nothing! How a company doesn't have any protection when they are holding people 's money! It is so ironic that I can not login in my own account while the hacker can freely use my money without verification. Such a joke! Robinhood, please give me back my account and my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XX/XX/2021 I received an updated mortgage billing statement that showed that RoundPoint had increased my monthly payment from {$880.00} to XXXX. It also showed that they disbursed {$850.00} in hazard insurance on XX/XX/2021. The problem with that is that my total for mortgage insurance for 2021/2022 year is {$420.00} PER MY INSURANCE XXXX PAGE. They paid out over twice the amount they should have to the insurance company and justified the raise in my monthly rate because there was a shortfall in the escrow account ; a shortfall caused by their over disbursement. This is the SECOND year in a row they have paid the incorrect amount and then raised my monthly payment. I can't help but feel, as a single older female, that I am being deliberately discriminated against. 
On top of that as of today, XX/XX/2021 the policy is officially lapsed because my insurer has not received their payment. Again, this is the second year in a row this has happened.

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 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I my auto pay had a problem and did not make the payment. I tried to contact but I could not get in contact with someone to help me. One I did it went to collections and no one wanted to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo opened multiple accounts in my name using my social security number and a business line of credit using a tax id number without my permission or knowledge I have copies of multiple promissory notes with different dates with my signature forged in XX/XX/XXXX I have copies of bank statements with account numbers I did not open Loan applications forged with inaccurate information about me and or prior business I owned Unauthorized credit inquires in XX/XX/XXXX Multiple charge offs on my credit report Transfer of funds from existing account to unauthorized accounts and vice versa Request was sent to the irs in XX/XX/XXXX for a copy of my taxes Random bank fees and charges withdrawn from existing account without my knowledge or permission It appears there are multiple title insurance policy and claims Documents reflect a refinance of existing mortgage was done in XX/XX/XXXX without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX Wachovia and Wells have conspired and have performed three unlawful foreclosures Wells fargo used a shell company called XXXX XXXX XXXX XXXX to perform an illegal eviction in XX/XX/XXXX which I believe was to get rid of all the fraudulent documents. I've been able to obtain copies of somethings from multiple parties to show thier scheme. 

I am currently being haressed my computers have been hacked multiple times and my current home broken into where flas drives and documents were stolen. 

This is just a snapshot of the ordeals Wells Fargo and it's affiliates have put me through. It has been detrimental to me financially and to my health to me socially it has turned my life upside down etc

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 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Product was sold on XXXX for a total of {$10000.00} on XX/XX/2021. Attempted to withdraw from PayPal to my linked bank account, but the transfer was denied. The entire amount of the sale minus fees ( {$9600.00} ) was then placed on a reserve for 180 days ( 6 months ). Additional documentation was asked for, which I provided, but the funds are still not released. The buyer has already confirmed receipt of the item and that it is in perfect working condition. This is unacceptable to hold the funds of a sale in which I have followed all PayPal policies in fulfillment and shipping. The buyer would be fraudulent in initiating a chargeback in the future because he has already confirmed receipt of the item and confirmed the working condition, so it is unnecessary to hold the funds to cover a chargeback. Cost of parts and XXXX fees can not even be covered because these funds are held.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I disputed this Xfinity account last year directly to all three major bureaus and it was removed because it couldn't be validated. It later appeared on my credit report but was listed by Southwest Credit, a different collection agency from the first. I have mailed dispute five letters certified/return receipt but still have not gotten what I've requested which is the original written contract between myself and Southwest Credit or between myself and XXXX. They are supposed to remove the account from all three credit bureaus if they are unable to produce this information. I mailed the first 3 dispute letters on XX/XX/2021, XX/XX/2021 and XX/XX/2021 ; They sent back billing statements showing a balance of {$370.00} which does not validate that I opened the account. The fourth response they sent me stated my dispute was frivolous or unsubstantiated because " The dispute is substantially the same as a dispute previously received '' and " The dispute was reasonably determined to have been prepared by a credit repair organization ''. Neither of these reasons make sense. I sent the dispute letters myself but don't understand why they aren't complying even if a credit repair company sent the dispute letters. It looks like they are stalling to avoid following federal law, which requires them to produce the original signed contract or remove the negative account. I have yet to hear back after mailing my fifth dispute on XX/XX/2021 once again asking for the signed contract. They still have a couple weeks to reply the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I was never properly notified about any missing payments for my auto loan with Fifth Third Bank. I set up automatic payments in XX/XX/XXXX in which I was just told XX/XX/XXXX that it was only set up for two months and stopped XX/XX/XXXX. I was told the bank sent me automatic operative phone calls to notify me but those numbers come up as SPAM on my XXXX so I do not answer them. I was never given a voicemail, letter, inbox/documents tab on their online banking, etc. about missing payments. I did not know about this matter until I walked out of my home Friday afternoon XX/XX/XXXX to find my car was missing. I immediately called 911 thinking it was grand theft auto but come to find it was repossessed due to the missing payments. I am a very responsible person and make sure to pay my bills on time so I was in utter shock to find this information to be true. I spoke with the company numerous times in which they would not allow me to speak with a representative due to them being busy. I was told there are only 2 supervisors working compared to the 300. I would love to resolve this issue and miscommunication because it was drastically affected my credit history/score. Thank you for your time and looking forward to hearing from you. 

For reference my payments are around $ XXXX/month and I had to pay a total of {$1400.00} to receive the car back. I have paid the past due bill in full as soon as I heard of the event and scheduled payments through XXXX in which that is how far the representative would allow me to go. I am in the process of trying to speak with a supervisor with Fifth Third Bank to help resolve this matter but I was directed to this website. 

Thank you again for your time. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: MN

Complaint narrative:
There are a couple of accounts listed on my reports that aren't mine. Please remove them.

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 2021-03-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX CARD SERVICE with ACCT # XXXX opened on XX/XX/2015 with a balance of {$31000.00} -This is not my account.

Company response to consumer: Closed with explanation