vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX of 2021, I mailed a dispute letter to Equifax and XXXX  about a collection with XXXX XXXX XXXX XXXX XXXX that was on my report that appear inaccurate. I never received a response from either of the credit bureaus, however after viewing my report online I noticed that they allowed another collection agency XXXX XXXX XXXX XXXX XXXX to add the same debt to my report on top of it already being reported by another collector XXXX XXXX XXXX XXXX XXXX I contacted Equifax and XXXX  in regards to this matter and they have yet to correct it. This is a direct violation of the fair credit reporting act. I sent them another dispute questioning this and still no response. It will soon be 30 days with no response from either of them which would mean they would have to remove said collections from my report. However, I wanted to make you aware of this due to the violation of the laws set in place. Please help as this is causing a great deal of stress. 

Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Note : XXXX XXXX XXXX, Is reporting I owe {$770.00} Both collectors are trying to collect on the same inaccurate debt with XXXX XXXX for to different amounts,. This is a violation of my rights under the FCRA. 

Ive attached certified mail receipts stamped by the usps and dated from both occasions were I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I believe on XX/XX/2021 Equifax removed a public record ( bankruptcy chapter XXXX XXXX from my credit report, due to not being able to verify that information. But for some reason that public record reappeared on my Equifax credit report XX/XX/2021. I really feel like the credit bureaus are breaking the law by doing this. Multiple times i had sent proof that the courts does not verify bankruptcies with the credit bureaus. Equifax deleted that account due to lack of verification. Im disappointed that they are being untruthful and went against the fair credit act and added back to my report just to make a dollar off my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX I hired XXXX XXXX XXXX  ( XXXX XXXX XXXX to fill in cracks and resurface my driveway. Mr. XXXX quoted me {$400.00} for completion of the services. When the work was completed for the day, Mr. XXXX informed me that the driveway required more work than what was anticipated and that he would have to return to apply another coat. We agreed that an addition {$200.00} for a total of {$600.00} would be a fair price, and that he would return XX/XX/XXXX to complete the job. In good faith, I paid Mr. XXXX the {$600.00} using my XXXX XXXX XXXX XXXX XXXX XXXX. After numerous attempts to get Mr. XXXX to return to complete the job, he ceased responding and was not heard from again. The job was left unfinished ( See photos ). 

It was at this point that I filed a claim with Barclays and was informed that they would investigate the claim. Initially, {$200.00} was credited to my account on XXXX XXXX. I was never notified about any additional information concerning the dispute. On XXXX XXXX, I was rebilled the amount of {$200.00}. Again, I was not notified about this. Upon examining my credit card statements in XXXX, I notice this rebilling and immediately called Barclays. I was informed that the case was closed and that I would have to write another letter to have this dispute reopened.

It wasn't until after I had contacted Braclays until I received the notice of rejection in the mail. Upon examining the documents, the merchant supplied Barclays with an invoice that is not even related to my case. I sent notice to Barclays with additional information including photos of the unfinished work, the correct invoice indicating that he would return to complete the job on XX/XX/XXXX and that there was a two year warranty on the work, and XXXX pages indicating that the merchant has a track record of taking money from customers and not finishing work. The merchant never returned and will not answer calls. On XX/XX/XXXX, I received notice that the dispute was outside the permitted timeframes and that I should continue contacting the merchant directly.

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 2021-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
My wife XXXX and I have a VA loan processed through Home Point with an excessive amount of property involved with securing the load as well as accumulated equity. Now, at age XXXX, I am manifesting the results of XXXX and XXXX XXXX received in XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX. ) It is our desire to sell some 10 - 15 acres of the excess property so that we may make changes to accommodations in our home and to travel a bit across the country - while we still can. 
My problems with Home Point have been going on since XX/XX/2018 when they did not honor the Disabled Veteran Tax exclusion issued in Texas. After several phone calls I spoke with an " Escrow Expert '' and reached a settlement over the phone that like several times throughout out financial relation has not been reflected on paper. 
We have three buyers of our pasture land that is a part of our loan waiting to go to closing. I was told there would be no problem in the releasing of those 15 acres but at the meeting we discovered that no action had taken place. 
The title company made phone calls while we set there in her office to see what the hold up could be, she was given phone numbers to what turned out to be irrelevant government agencies, rather that the proper department at Home Point. But the next Monday they ( XXXX XXXX XXXX notified me that Home Point had certain demands to even " consider '' the release with no guarantee that the XXXX fee would be honored, but, was only to consider the possibility and that if accepting my written request there would be other fees associated. I drafted the letter and placed it and answers to a form in XXXX 
I have not heard from Home Point as to even their receipt of the request. So, I'm asking you to ask them to get the lead out and release these few acres so that the buyers can move forward with their plans and so can we.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
I received a credit alert from the credit bureaus that I have XXXX different loans in collections. I contacted the number listed in the info and it was a collection agency stating I took out XXXX different loans in XX/XX/2019. I dont understand how someone could get approved for XXXX loans, 5 days in a row. I asked if they could verify the account information the money was deposited to and they couldnt. I informed them I live in Georgia and this loan company doesnt offer loans in my state. I have no information regarding these loans. Ive never received any documentation or phone calls from the loan company nor collection agency. They told me to file a police report to dispute the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
this is my 2nd time reporting this company within the last month. please reference CFPB XXXX XXXX. : XXXX i have sent multiple certified letters to validate this debt. they have yet to prove the 5 points required under 15 USC 1692G. in the previous complaint that i have submitted. They stated they gave documentation and they didnt. They gave the CFPB documents that i never received. I have upload all the evidence that shows they violated my rights as a consumer and natural person. they haven't rebutted my affidavit of Facts or answered my debt Validation. all they sent was a " retail contract '' that they cant prove was me. they claimed they " lend '' me money but no where in 15 USC and from congress that they define the word lender. I have also requested pursant to GAAP that they prove money left their " account '' if they claim to gave me and havent receive any response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  as not updated my XXXX  XXXX credit card balance ending in XXXX and XXXX XXXX balance must be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion as not updated my XXXX XXXX  credit card balance ending in XXXX and XXXX XXXX balance must be updated

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 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I recently moved from XXXX to XXXX. We sold our property in XXXX with the intention of buying a new home in XXXX. Due to complications, the property sold after we left XXXX and they funds were settled into our Chase account. We are now trying to withdraw those funds and Chase says the only way to grant us access is by visiting a branch, which is clearly not possible given that they don't have branches in XXXX. We informed the bank that we were leaving the country beforehand and they did not flag that it would be an issue to access the $ XXXX in our account. 

We're now in a situation where we can not buy a new home and are limited to making small withdrawals every few days. For these transfers we are getting charged fees. If we do try to initiate wires or ACH transfers of $ XXXX ( our current daily limit ), our account is immediately locked and the transfer is cancelled. To authorize the transfer, we need to call Chase. Due to their current limited operating hours, these calls have to happen around midnight XXXX Eastern Standard Time. The agents that we speak to say that they annotate our account so that it won't be blocked again. Despite this, it repeatedly gets blocked. 

It is now midnight in XXXX, and I've been on the phone with Chase for 50 minutes. I am currently on hold after being transferred to the fourth person. Each person assures me that they can help with the situation, yet they all provide conflicting information. For example, I am trying to get a clear answer as to what my daily / monthly transfer limits are, so that I can estimate how many transfers will be required to withdraw all of our funds from Chase. No one has been able to tell me this. I was told that the daily limit is $ XXXX by the first person that I spoke with. The third person said it was $ XXXX. Neither of these are correct, as I have been able to complete $ XXXX transfers initiated on the chase.com website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: NC

Complaint narrative:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
XXXX claims I have a loan with them for which I did not apply. They are claiming that I owe them the first payment of {$350.00} due XX/XX/XXXX. I have never received funds from this company. 

when I called to inquire, they asked for my date of birth and I foolishly gave it to them. They then put me on hold because they had to correct the date in their system so that they could bring up my account. They said they would call me back when they bring up my account from phone number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Escrow Inc
State: TN

Complaint narrative:
On XXXX XXXX2021 I purchased a vehicle through XXXX XXXX  and funds were secured by Escrow.com. The seller told me there was nothing wrong with the vehicle and I could not get a mechanic out to inspect due to covid-19. On the XXXX of XXXX, 2021 after paying XXXX and XXXX to ship on the same day I had it inspected and found out the motor was going out and the axle was broken. As I contacted the police and did a report since the vehicle came from XXXX and demanded the seller come and get his vehicle. The seller kept saying he would have a tow truck come and get it but he had to have a broker to do so. I sent Escrow.Com General Manager XXXX documentation to support fraud including invoices from XXXX of the condition of the vehicle. Despite vehicle causing me financial hardship Escrow held my money and told me to send the vehicle back on my money ( normal policy without fraud ). Escrow told the seller he did not have to do anything due to 10 days he will be given my money. Because the seller kept telling Escrow he wanted his vehicle and may no effort and they had full knowledge the seller failed to disclose the true condition of the vehicle, he was given my XXXX and I am left with a vehicle that is hazardous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I checked my credit report and noticed inaccurate information in my Public section. I have I asked Lexis Nexis how the account was verified as accurate, They responded and said the courthouse provided the information. I contacted the courthouse to inform the of the inaccurate information. The courthouse sent a letter stating they do not report to any credit bureaus or third party site. I am not sure how this inaccurate and untrue information was added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Back in XXXX of 2020 I used XXXX to transfer money from My XXXX account to my friends Wells Fargo account. There was no issue with the transfer. The next day his wife called Wells Fargo and asked them to reverse the transfer. Per a letter sent to my friend, it was done, but the money has, even to this day not been sent back to my XXXX account. I contacted XXXX to see if they could track down some information, and they said to us that the account that XXXX put the money into ended with a totally different account number to which it was sent into, that account is completely unknown to my friend and he does not have any account ending with account that XXXX specified that XXXX put the money into. 
We have contacted Wells Fargo multiple times to find out where my money went to and they have yet to tell us what happened or where my money is. My belief is that Wells Fargo may be using XXXX to perform some kind of wire fraud or other types of fraud.

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 2021-06-03 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: NC

Complaint narrative:
Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a XXXX  representative. There is no balance due on my account. You all have reported incorrect information to the credit bureau twice this month. Once on XX/XX/XXXX and XX/XX/XXXX. My XXXX XXXX has dropped XXXX points. I have spoken to an attorney including the attorneys that sued XXXX and won. I will pursue legal action against XXXX. You all have caused me great pain and suffering because my credit score dropped XXXX points in 8 days due to your negligence. I have emailed, faxed, and mailed letters to you all. I have proof that I have been working on my credit I have even paid several items off and you all intentionally reported incorrect information. I was also informed you all report at the end of each month, but this was reported on the XXXX and the XXXX of XXXX. Please fix this as soon as possible or I will move forward with the attorney recommendations. I have included proof of the points dropped and the dates you all reported this. On XX/XX/XXXX XXXX reported another change. this time the balance decreased by {$2300.00} and my credit score was increased by XXXX points. XXXX has continued to cover up there errors by sending me an inaccurate letter. If what XXXX is stating to be true why did the report another change on XX/XX/XXXX? XXXX has reported to the Credit bureaus three times in one month. XXXX is trying to cover up their mistakes. I want this situation fix. I am prepared to send this information to the news media in order to get this problem solved. XXXX was suppose to supply me with a letter so I can send to the credit bureau I have never received that letter. I will file a law suit against XXXX if necessary.

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 2021-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
This is the second time that this account has been turned over to the same debt collector. Initially this account was disputed via the CFPB website and it was at that time closed by the debt collector after the complaint. I received a letter from the debt collector advising that the account was closed and that all credit reporting agencies would be advised to delete the account. 

I received notification on XXXX2021 that the account was back on my credit report again. I am disputing this as I am making payments to the original creditor for this account and can provide a payment history to validate this. I have included the letter from the debt collector that advises the account is closed, along with a screenshot of my most recent payment to the original creditor, which actually occurred on XXXX.2021.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I have contacted Robinhood four times since last month and have not received any response from their customer service. Im trying to get tax documentation for my virtual currency that I hold with them so that I can file my taxes. I had to file an extension with the IRS because I still have not hear from Robinhood a month later. I cant call them because they do not list a phone number and emailing or sending a message through the app has gone unanswered.

Company response to consumer: Closed with explanation