vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.

Complaint narrative:
I used worldremit to transfer money from XXXX to XXXX on XX/XX/2021, they guaranty pick up in just 30 minutes, but I waited for more then 10 days and they were telling my recipient to go ti pick up the money. But money wasn't available for pick up even on the XXXX day on XXXX XX/XX/2021 Their consultant was rude to me even after waisting my and the recipients time for more then 10 times and now after the 10th day they are telling me to wait another day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Earm LLC
State: KY

Complaint narrative:
XXXX XXXX from MAC says my name has been brought up in a legal case and if I dont pay I will be in jail within 48 hours. The name he is using is my madden name I have not had for 8 years! 

This person is calling lots of family that I associate with!

Company response to consumer: Untimely response
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I'm submitting this complaint because of excessive over draft fees. On XX/XX/21 I was charged {$180.00} in over draft fees on items that were still pending. The over draft fee pushed my account into being over {$400.00} in the negative. When the items finally cleared pending I would have been less than {$200.00} over as many of the items pending were from companies like XXXX. XXXX often places a hold on funds in the account for much higher than the actual charge. Once the pending charge clears it is lower than the hold amount and XXXX will credit the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I received a alert on yesterday XXXX from XXXX XXXX that a hard inquiry had been placed on my report. Mind you I went no where and signed nothing to have my credit pulled on yesterday. This is fraud and I want it removed from all major credit reports XXXX, XXXX, and XXXX should not show anything being posted to my credit report for XX/XX/2021. I want to file charges on whomever was allowed to do use my credit as it took me a long time to rebuild my credit and I will not allowing anyone to get away with this. This is a serious matter and I want it to be taken as a serious matter or I will contact a lawyer and sue. I am really XXXX about this the fact that someone can use your credit without your permission or consent is totally unacceptable. This is not a game this is my credit that I take seriously since it has taken me almost Five years to rebuild and for someone to be playing these types of games I want to prosecute them to the fullest extent of the law. I don't want any excuses only answer and ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates 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
Consumer complaint received 2021-05-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Auto Finance ( JP Morgan Chase Bank NA ) : I made a {$700.00} payment last week. Chase Auto Finance claims that have sent me statements through the USPS. I believe because of the disarray of the USPS, I have not received these statements from them. Not considering that their statements were not being received by me, they just repossessed my vehicle. Then they have added excessive fees on to the balance of the loan. They are expecting the entire balance to be paid in one payment for me to get my car back. This is unreasonable. Chase Auto Finace has been extremely difficult to do business with. I am reaching out to the CFPB for help, because I feel I am being XXXX  handled. I would like help with a solution that will work for me and that I can get my car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This been happening since 2018 different collections agency has been trying to collect a debt that I have with XXXX XXXX XXXX.So I never signed any contract with this company and im an att regular ccustomers now this company IC SYSTEM they keep reporting to credit bureaus that I have a debt and before other collections agencies tried to do the same thing but always have been removed because they don't have any proof of this debt.

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 2021-05-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My wife noticed an unauthorized transaction on her XXXX account on XX/XX/2021 ( order # XXXX, order date, XX/XX/2021 for XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$520.00}. We also noted an identical charge on our Chase Bank Visa card. We immediately notified both Chase and XXXX on XX/XX/XXXX, my wife closed her XXXX account, and Chase issued us a new credit card. Both companies said they would investigate. 

On XX/XX/XXXX, XXXX sent an email to us suggesting we contact the credit card holder to resolve the dispute. On XX/XX/XXXX Chase sent us a letter claiming that it had investigated our claim and denied it because " you received a benefit from this transaction. '' We received no benefit as we neither ordered nor received any webcams. 

Subsequent attempts to resolve the dispute have been fruitless as each company continues to claim that is the responsibility of the other. We are caught in the middle of these corporate giants demanding {$520.00} that we do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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've recently became aware of this negative account on my report. I would like for them all to come because they are fraudulent.

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 2021-05-19 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've recently became aware of this negative account on my report. I would like for them all to come because they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MI

Complaint narrative:
I closed with Guaranteed Rate on a mortgage refinance on XX/XX/21. My initial escrow payment at closure was {$3200.00}. I received a letter on XX/XX/21 that stated my mortgage loan would be transferred from Guaranteed Rate, XXXXnc. to Guaranteed Rate, Inc. subserviced by XXXX XXXX. When I looked at my bill online and in the mail, my escrow account only showed {$1100.00}. I have emailed and called dozens of times to Guaranteed Rate, Guaranteed Rate subserviced by XXXX, my Loan Officer, his supervisors, and Ravenswood Title. I have obtained and sent multiple pieces of information documenting the escrow shortage of {$2000.00}. The issue is still not resolved as of XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/XXXX I attempted to place a credit freeze on my Equifax account as follow-up to an identity theft incident. First, I followed the online process, but at the end of the identity verification process the screen indicated the process could not be completed online and I would need to do it via phone. 

When I placed the call, a robot took me through identity verification and then told me it was not able to complete the process. I proceeded to talk with an actual person who took me through identity verification a third time and then told me she could not complete the process. 

She told me to send a written request along with copies of my drivers license and social security card to : Equifax XXXX. XXXX XXXX XXXX GA XXXX attn equifax security freeze dept XX/XX/XXXX I mailed the above items. 

XX/XX/XXXX Two months later, there is still no credit freeze on my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I sent 2 request one certified and 1 email requested verification of an account, I also sent documentation of the request to all major credit reporting agency. After 45 days and no response from creditor, but getting notified by credit agency that my dispute was complete and verified as accurate, I filed a complaint with you CFPB the complaint was against the creditor reporting the debt and the creditors all 3 majors. I received response that the company was still working on my concern/complaint that was on XX/XX/XXXX, after speaking with someone at CFPB I was advised that my complaint would be sent over to the FTC for further action. I have submitted over 4 additional disputes in addition to the disputes submitted before I file the complaint, I have still not heard back for the creditor but all the creditor reports have been updated except for XXXX. The creditor held this account for almost 5 months and would not speak with me, the joint applicant filed bankruptcy but we were legally no longer together but I discovered the account was in bankruptcy via my credit report the refuse the balance that was on the account at the time of joint applicants bankruptcy but demanded the added additional fees, change the account type, dates and status several times. removed the joint applicant from the account and made it individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: MI

Complaint narrative:
I closed with XXXX XXXX on a mortgage refinance on XX/XX/21. My initial escrow payment at closure was {$3200.00}. I received a letter on XX/XX/21 that stated my mortgage loan would be transferred from XXXX XXXX, XXXX to XXXX XXXX, XXXX subserviced by ServiceMac LLC. When I looked at my bill online and in the mail, my escrow account only showed {$1100.00}. I have emailed and called dozens of times to XXXX XXXX, XXXX XXXX subserviced by ServiceMac, my Loan Officer, his supervisors, and XXXX XXXX. I have obtained and sent multiple pieces of information documenting the escrow shortage of {$2000.00}. The issue is still not resolved as of XX/XX/21.

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 2021-05-19 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: WI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Wise Recovery Solution LLC
State: NY

Complaint narrative:
XXXX XXXX IS REPORTING A SCORE FOR XXXX AND XXXX IS REPORTING XXXX SCORES XXXX AND CREDIT WISE IS RRPORTING XXXX. BOTH OF THESE ACCOUNTS HAVE THE SAME CREDIT ACCOUNTS. THEY ARE NOT CONSISTENT. IT APPEARS THAT THESE ACCOUNTS SCORES ARE FRAUDULENT AND THE BLANTENT DISPARITIES

Company response to consumer: Untimely response
Consumer complaint received 2021-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
I'm currently leasing a vehicle from Nissan Motors in CT and this lease ends on XX/XX/2021. I called Nissan and advised I needed a buyout amount on my current lease as I was leasing a new vehicle XXXX  XXXX XXXX that was not a Nissan vehicle. They provided me with the buyout amount. However, when the 3rd party XXXX dealership called to confirm and process the buyout as XXXX would be taking possession of the Nissan as a buyout, Nissan advised that there policy has changed and that they are no longer accepting buyout 's from a non Nissan dealership. 
I am now stuck with the re-stocking fee and all other wear and tear items that will arise at any normal end of lease experience and I lose the equity in the vehicle that the XXXX dealership offered me. 
I called the Nissan dealership I bought the vehicle from, as well as Nissan corporate / customer service and complained to anyone who would listen but I kept receiving the same answer which was that I don't own the vehicle and that the company had changed their policy and there wasn't anything I could do unless I wanted to get another Nissan vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a credit card with XXXX under the constant pressure and recommendation through an bombardment of emails from Experian stating that by getting another credit card from one of their partners it would increase my credit score and lessen my debt ratio. However on XX/XX/XXXX my credit score dropped XXXX points from Good XXXX XXXX XXXX to Fair XXXX XXXX ) due to the fact I was denied by XXXX without reason despite my Good credit score and exceptional payment history of never being late with a payment. This happened again on XXXX XXXX, XXXX causing my score to drop another XXXX pts. Experian sent emails nearly everyday telling me to apply with their partner only to be denied twice and causing my credit to drop 16 pts. If this is their partner they should know exactly what they are looking for, because otherwise this appears to be a set up to intentionally worsen one 's credit. I sent them a letter last year about this behavior and never received a reply. Also I called on XX/XX/XXXX and spoke with XXXX and informed her that there are three ( 3 ) inquiries on my report that I did not authorize and that the only one I did was XXXX  on XXXX XXXX, XXXX. She said that they will remain for 2 years. This decreased my score by 4 pts. Also on XX/XX/XXXX I decreased one of my credit cards from nearly {$6000.00} to {$1200.00} and my scored dropped 13 pts to XXXX. This should never happen when someone pays over {$4000.00} to lessen their debt. Then on XX/XX/XXXX my score decreased again by 5 pts. to XXXX after I acquired an auto loan. This after receiving emails from Experian about everyday telling me that if I acquire an auto loan it would help my credit. Experian has done nothing but sabotage my credit on purpose with their misleading and false emails. I want my credit restored to Good and for them to stop sending me anymore false and/or misleading emails that are definitely not going to help my credit. Again they need to know the exact criteria of their so called partners for approving credit without chance or fault. Otherwise they are only sabotaging and destroying one 's Good Name and Credit worthiness.

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 2021-05-19 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: WI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
had XXXX XXXX sent from my XXXX XXXX XXXX ( XXXX ) to the binance.us bnb wallet listed on my account XXXX it says it was successful but the XXXX  never showed up in either account after. 

The transaction id is XXXX Binance has stalled and gave me the run around since XX/XX/XXXX with absolutely nothing actually being done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: OH

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation