vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We were offered to participate and utilize the COVID 19 forbearance payment relief. We had to utilize this program and now we are ready to resume payments and even sell our home due to the other financial hardships we have encountered. We contact Wells Fargo to see how much our balance is so we can proceed with a offer to buy our home. What we find out is astonishing and shocking ... ... .so the payments were deferred under the program and now we have a second loan amount that is equal to the payments that were deferred added to our loan payoff. But it gets better ... ... now they want to add this additional loan so we can pay back our missed payment ... .but the balance of our loan is actually higher than it was when we originally bought our home in XXXX of XXXX. The banks just don't lose huh??? It is like they figured out a loop to make sure that despite the US Governments attempt to help out citizens during this pandemic, IT WON'T COST THE BANKS A DIME. THEY WILL GET THEIRS!! We owe more than the original balance before a single payment was made?!?!?!?! The person at Wells Fargo said we had options to foreclose, short sell, pay in full all deferred payments, or make a payment and the second loan would be automatically added and set up. It would have been better for us to just deny any recovery of our mortgage ... ..then quickly list it and sell it. Our home has an offer on it and it has been on the market for 11 days. This option they did to us cost us over {$33000.00} and now we are not only financially impacted hugely by this ... .but we now find ourselves in a position of having a balance on our mortgage... in XXXX of XXXX ... .. with a higher balance that when we originally got the loan in XXXX of XXXX. HELP PLEASE!!!! 

PLEASE EXPLAIN HOW THIS HELPED AMERICAN CITIZENS??????

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 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
I sent a large amount of money from XXXX, a crytpo exchange to CoinBase, another crypto exchange. Roughly {$27000.00}. This was done on XX/XX/21. This was going to be used for me and my family as we are having a XXXX  child and my wife is quitting work. 

I sent this in the form of XXXX, and somehow I accidentally clicked to send it as XXXX ( XXXXXXXX XXXX XXXX  ) as opposed to XXXX, a common XXXX  that coinbase uses. So I had {$27000.00} in XXXX sent to my CoinBase XXXX XXXX. CoinBase does not " support '' XXXX. So my funds are currently inaccessible, even though they are sitting in a wallet controlled by coinbase. 

I have filed many support tickets about this and they simply give me these automated responses saying " make sure you check that we support the crpyto that you are sending ''. They in fact do not support XXXX, but the reality is that both XXXX and XXXX are XXXX XXXX tokens, and they CAN reverse the transaction. They hold the keys to the wallet that my {$27000.00} of XXXX is sitting in, NOT me. 

If you have the keys to a wallet with an XXXX token in it ( both XXXX and XXXX ) are XXXX tokens, then you CAN reverse this transaction. Many other exchanges do this for their customers, often for a fee, which would be fine with me. They are simply unwilling to do this. Maybe because the scale of their company that they get so many requests like this that it is not worth their time? I am not sure. But they have {$27000.00} of mine and are refusing to return it or even attempt to support me in anyway. I have done many searches on the internet about this and there are many people in the same situation as me. 

I believe coinbase has an obligation to their customers offer a service to reverse these unsupported crypto transactions. People make simple mistakes misclick a currency all the time, and to just expect that these people need to accept the lose of 5+ figure transactions is not OK. The fact is they CAN assist with this, they just won't for whatever reason. They must be sitting on millions and millions of " unsupported cryptos '' which they have the power to reverse. 

Please support me in this endeavor. I doubt my message alone will be enough to give them the kick in the XXXX they need, but I hope that with enough pressure they will realize they need to take action on this matter. 

Here is the wallet address that my {$27000.00} is sitting in : XXXX Here is the transaction hash : XXXX Please consider supporting me in anyway that you can, I have spoken to many in the same boat. This is not right, it's not ethical and probably not legal. 

Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
By court order on XX/XX/XXXX, US Bank was ordered to return an amount that they wrongfully ( electronically ) took from a customer 's savings account in the amount of {$6200.00}. US Bank claimed that they honored the court order by sending ( via mail ) a check in the amount of {$6200.00} to the customer at his home address in XXXX, but was never received. 

Upon demanding an explanation of why funds have not been received, we were finally able ( almost a year later ) on XX/XX/XXXX to obtain a copy of the cashed check from US Bank. Examining the copy received from US Bank we found the check was fraudulently endorsed and paid to the order of another person for cash at a XXXX in the state of Ohio. We explained to US Bank that the customer, who is XXXX years old, a XXXX XXXX XXXX Veteran and needs assistance walking, did not travel to Ohio and present the check for cash at a XXXX. To date, and after repeated request, US Bank has no restored the funds to the customer 's account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX {$1700.00} XXXX XXXXXXXX {$480.00} XXXX {$590.00} XXXX {$620.00} XXXX {$1700.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir/Madam : I have a problem with the Chase Bank XXXX Office XXXX XXXX XXXX, XXXX, OH XXXX that refuse to open a checking account for me at a local Chase Bank XXXX located in XXXX, New York XXXX XXXX 

I complained to the XXXX Office about this fact, and received a response from them on XX/XX/2021. The Office states in their reply that according to the Deposit Account Agreement that can be found on www.chase.com Web site, the bank has the right to refuse to open an account for any reason or for not reason at all. I have reviewed very carefully the Account Deposit Agreement PDF sheet, and the bank is wrong. The Agreement does not address the account opening ; it only states that chase can close an account for any reason. I am a XXXX individual that would be much helped if I could have an account opened with Chase Bank which is in a very close proximity from where I live. 

I would like to seek your intervention as a bank regulations compliance entity in this matter so you can ensure that all the laws and bank regulations are followed by Chase Bank XXXX Office. Thank you for your assistance in this matter. I will provide my information in the space provided by the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: MO

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company. This complaint is to address the erroneous reporting on my Credit Report. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 Credit Bureaus and found that AMERICOLLECT ( Original Creditor : XXXX MISSOURI XXXX XXXX ) was being reported on my credit reported negative on XXXX, XXXX, and XXXX. I have disputed the fraudulent information from my credit report and sent a letter dated XX/XX/XXXX. I have no idea how the theft took place. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus and the creditor but they failed to give me any results or feedbacks about this concern. This incorrect reporting is causing my Credit Scores to drop. These are the accounts that are needed to be removed from my Credit Report : AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} AMERICOLLECT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: DC

Complaint narrative:
On XXXX XXXX I received a letter in the mail from Fedloan Servicing and US Department of a education stating I owe a balance of XXXX according to 15 USC 8 the obligation or other security of the United States includes all bonds, certificates, of indebtedness, national bank currency , federal reserve notes, federal reserve bank notes, coupons United States notes, treasury notes, gold certificates of deposit, bills etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX  failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
There have been numerous problems with the Ally investment trading platform which/witch led to a heated interaction after rude customer service representatives were inept and escalated the unwanted exchanges. Then after Ally said to close ALL my accounts in a letter I contacted them with ALL the information to do so into a XXXX account. However, they said the transaction was reversed BUT wouldnt say why and claimed there was no explanation upon checking with that department in yet another unwanted interaction their ineptitude created. THEN I was told they automatically mailed the checks instead creating a checks in the mail dynamic I never would have authorized! I would at very least used an express tracking service. I allege unscrupulous actives as regards their trading platform AND harassment in relation to their not performing the transfer after being provided the information potentially also trying to facilitate the checks theft after they obtained the other banks account information without using it.They also should have tried multiple times to perform an electronic transfer without just sending checks which/witch should then have been sent via an express tracking service utilizing carrier. ALSO, in a letter saying to close my accounts I was given less than a full month to even do so based on the date their letter was created and sent and the date I am expected to do/due so by.

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 2021-11-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I called and spoked with a BOA representative, by the name of XXXX and requested she conduct 3 bank transfers from Bank of America : 1. {$2000.00} wired to my checking acct with XXXX 2. {$1500.00} transferred to XXXX credit card and XXXX. {$1700.00} transferred to XXXX credit card XXXX. The funds were released on XX/XX/XXXX, however XXXX credit card did not receive the transfer. For reasons unbeknown to me, XXXX issued a convenience check to XXXX Credit Card rather than a wire transfer like the others. According to BOA, the transfer was endorsed and deposited to XXXX XXXX on XX/XX/XXXX. I have since confirmed with XXXX that they did not receive the funds nor endorse the check and speculate that the check may have been intercepted. Please see copy of endorsed check. BOA and CFPB continue to report that XXXX received the funds and that the matter is closed. This information is incorrect. Please see enclosed XXXX Credit Card statements from XXXX and XX/XX/XXXX. 

I have yet to reach a resolution on this matter. Please see enclosed chain of effects.

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 2021-11-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
On XXXX XX/XX/2020, I made a transaction of XXXX on my Amercian Express Card. 
Due to Covid, the airline changed flight at short notice which was not acceptable as the destination city was in lockdown. 

On the XXXX XX/XX/2020, XXXX XXXX ( The Merchant ) agreed to refund me the total amount of XXXX and this was confirmed in the Final Determination set out by the Aviation Dispute Resolution on the XXXX XX/XX/2020. 

I have still not received any refund despite my filing a dispute with American Express and filing a XXXX Claim. 

I have provided sufficient documentation but still Amercian Express have failed to give me a due refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
On XX/XX/2019, and XX/XX/2019, I received a letter by mail stating I owed a debt and this was an attempt to collect this debt. The company is Account Resolution Services and I have asked them twice to Validate that this debt belongs to me and a Failure to Validate Letter. On the letter, I received it is stated I owe, {$950.00}. 


I will be sending a similar letter to the major credit bureaus as well. 
I have sent two letters to them and I have still not received a response from them and it will be a month from my dated letter, and I have not received a letter or response from either company. 

This is not fair as these companies are reporting these debts on my credit report, harming it without validating and proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid both of my capital one credit balances on XX/XX/2021. Payment cleared on XX/XX/2021 and capital one closed both credit cards on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In both respective reports XXXX and XXXX Equifax is violating my FCRA 15 USC and continues to respond that changes are made instead of deleting the entire reporting as requited by the law. 

I have recently filed a complaints XXXX and XXXX addressing Equifax repeated violation of my FCRA act rights protected Under 15 USC 1681b - permissible purpose of consumer reports, with the XXXX  XXXX XXXX XXXXXXXX XXXX XXXX 60 day late payment reporting for XX/XX/2021. 

THE LAW CLEARLY STATES IN GENERAL that a. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given EQUIFAX written instructions to furnish this on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Failure of Equifax to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against them provided by the law, for which I will also be seeking {$1000.00} per violation for which will include Defamation of Character ( per se ), Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations, and Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for liability for willful noncompliance [ 15 U.S.C. 1681n ] Equifax response in both complaints XXXX and XXXX as attached here make changes to the reporting and stating Consumer Disputes this account Information while still in violation of my FCRA with the transactional details the law excludes Equifax and other credit bureaus from reporting. 

Equifax present a constant reference to investigate with the reporting agency as a inapt procedural method they have to follow to address my concern, which is in fact an unnecessary act. Equifax is the law breaker here. Equifax is required by law to specifically address this issue and not give an invalid response that they need to investigate with reporting company who has no ability to violate FCRA 15USA 1681 on my consumer report because they are not the reporting consumer agency in control of the excluded transactions history being reported in my consumer files as Equifax themselves are in control of this violation.

Company response to consumer: Closed with explanation