vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/XXXX, I was having trouble getting refinancing on our current home mortgage with XXXX XXXX. I spoke with several lenders and they said our payments were showing late for many months. I pulled our free credit report and sure enough they are showing I was late for so many months. I pay our mortgage 2x a month breaking out the payments based on our pay periods. I have been doing this for a couple years now as jobs have changed. In XXXX we filed for a hardship program and we were awarded this program. They told us that we wouldn't be reported to the credit bureaus if we complied with all guidelines. Which we did. It is still showing on our credit report that we are 120 days late which isn't true due to the program we followed, this raised our interest rate and pushed the loan out 3 months longer. 

XX/XX/XXXX when Covid hit NC I was furloughed and had to go on unemployment. Took a few weeks to get that up and running, in the meantime my husband was working so it took a little longer to pay the mortgage so yes we were a little late on that one.

We didn't file a Covid 19 hardship issue as that wasn't the case for us we were able to stay on track. The mortgage is always paid with in the month and if after the XXXX the late fees are paid as well and we were putting an extra XXXX down on principal. 

On XXXX XXXX I sent them a letter after I spoke with them and they told me either to write or fax why we need this corrected on our credit report. 2 weeks later we get a response saying they report according to the fair credit reporting act. ( Thats XXXX ) I looked at all 3 agencies, and XXXX doesn't even show anything but 2 mos of XXXX, XXXX shows many late payments past 30 days, Equifax has missing months. They don't report correctly at all and not fair. I pulled my bank info as I send the payments the day of payday they are wired to them via the bank and there isn't a missing payment in each month. When I pulled their payment statements, it doesn't match mine and all I see is applied to ie : XX/XX/XXXX? I want this corrected. We are in the process of selling our house and need to purchase a new one. This company are crooks, I didn't ask for them they took over our original mortgage when we purchased this in XXXX. They don't respond when you call, all you get is send letters.. They don't communicate and they are rude..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: DISCOVER BANK
State: NJ

Complaint narrative:
I needed to get my air ducts cleaned due to getting health problems from the dust coming out the vents.I found a company on XXXX and emailed about my situation.He stated he would clean all the vents for a flat fee of $ 330.I talk to my boyfriend and told him they had a warranty and read to my boyfriend what the company offered..My boyfriend said to set up for them to get cleaned since it had a warranty and I was getting XXXX and XXXX 
Two men came with a big vacuum.The man stated he puts it in one vent and it sucks all the dust out of all the vents. ( to add he told me he was the owner of the company and does it part-time cause he is retired ) I question him about a long fan thing that goes in the vents and spins to loosen up the dust cause I seen it on XXXX and he said they only do that for fire damage..He never looked in the vents when he left.Me and my boyfriend put the vents back up..I told my boyfriend within 2 days I see dust on my tv stand.computer speakers and other things but my boyfriend let me clean everything again and if it still comes out then we will call the credit card company to dispute the charge.To add the Owner wanted Cash and on the receipt it does say cash but when my boyfriend found out I was paying cash he said no way cause I had no protection if the job is not right.He told me always to pay with a credit card for protection..With that said Dust was still coming out the vents and I disputed the charge..I sent the Discover so much proof..Proof of the warranty he had..Proof of text I sent the owner of the vent cleaner that dust was still coming out with pictures attach.I told him I wanted him to come back and use the brush he should of used.We made a date for him to come back.. ( we is I wanted my boyfriend here to take the vents down cause I was sick ) The owner agreed .The he called insisting of doing it the days that we DO NOT agree on and the day I was XXXXHe was very intimidating and grudge but I told him I had all the proof he was and schedule for the next day..Then he just said oh it's your baby powder and hung up..So discover charge me again and oh I did win the dispute and then all of a sudden it looked like they did it again..weird but when I call and my boyfriend being a witness to all and sending then text proof and warranty proof etc they give me all different reasons why they favored the guy who cleaned the vents wrong..Now I have pictures even of dirty vents and Discover is not doing as they are suppose to with a dispute finding in my favor cause I showed them all the proof and the guy showed them nothing.He gave them just hear say and the paper he printed out where I signed after I paid..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I lost my wallet and someone was using my ID and social security card but medical bills cell phones and other accessories I went to XXXX  behind all this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This complaint involves Wells Fargo, Wells Fargo Educational Services, and XXXX. 

In 2010, I took out a bar loan with Wells Fargo. Payments made, interest accrued. No issues. More than a year ago, Wells Fargo waived all past-due interest + set the interest rate for all borrowers at 0 %. I continued to make payments. 

Recently, Wells Fargo decided to get out of the student loan business + XXXX became the servicer for my bar loan. It is not clear whether Wells Fargo sold all receivables to XXXX or if XXXX is merely a loan servicer. Regardless, XXXX and Wells Fargo together or separately have decided that the loans such as mine will be charged interest despite Wells Fargo previously notifying borrowers of the 0 percent interest. 


Wells Fargo should have a full accounting of my bar loan along with all correspondence regarding the zero percent interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: NY

Complaint narrative:
There was a breach of my card number through my checking account with the bank. Large sums of money was stolen out of my account at multiple ATM locations. When I noticed the unauthorized transactions I immediately contacted the bank to notify them within 48 hours after noticing the unauthorized transactions. I provided the bank with all evidence to show that I never made those transactions neither did I ever visited that bank in the past. I corroborated this information to the bank. I sis everything to communicate this fraud. The banks response was they found no errors. I dont know what else to do. Please help. Below is correspondence. Many attempt were made by me to work with the bank for at lease a provisional credit and a continuing investigation on how this happened. 

Fax number - XXXX Email - XXXX Mailing - XXXX XXXX  XXXX, XXXX TX XXXX XXXX XXXX Supervisor, Customer Experience Netspend XXXX XXXX A Global Payments Company I made a police report with the XXXX detective XXXX XXXX XXXX ( XXXX ) XXXX XXXX I file a claim of identity theft with the FTC XXXX to ensure no other information was stolen or breach by the bank this all started with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There is an account reporting on my credit report with Wells Fargo/XXXX for {$1200.00}. I never had an account with them. I have sent several letter through certified mail asking them to verify this debt belongs to me and never received a response from this debt collector. Also, I've made it clear that this debt does not belong to and but they insist that I pay the settlement that was offer to me for {$510.00}. I paid the debt and they still refuse to remove it from my credit history.

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 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
The account is not my account and I have never had any business with Credit Management LP. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
After submitting my first complaint to cfpb, the company responded to cfpb that I have no legal authority which is not true and I printed that document out. I received a phone called of harassment, from their Champion Realtor. I called her back and told her don't threaten me with false statements. I reached out to Champion and they hung up in my face telling me I have no legal Authority. I am the Legal Executrix of the Estate and the only beneficiary of the Estate documented by the Court. Since also reporting to cfpb, Nationstar has now included my neighbor 's with threatening, me. stating my neighbors contacted them and shared that my branches and debris had fallen on their property. However, they can not share the name of this person : Where I live is all XXXX ; [ the community /town 3 % XXXX ] I am the only XXXX family here/ in this neighborhood, when we moved here my son was playing with a friend he was invited to join- in the friends house to watch movies, the neighbor called the police and said a XXXX man was breaking in the house ; my XXXX year old XXXX Male son was surrounded by XXXX and his XXXX  friends as children when police went into that house due to my neighbor 's and their tactics ; I am still traumatized from that event.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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:
I had two accounts with XXXX XXXX XXXX. One for a home and the other for an RV. Both were destroyed in a fire on XX/XX/2020. 
I sent the mortgage company the exact amount of the pay off for both accounts. 
They only used the money to pay off the home. The kept the money intended for the RV in an escrow account and did not apply it to the payoff. 
They then placed a derogatory report on my credit bureau record. This caused my credit score to drop by nearly 100 points. 
This caused my to not be able to rebuild or by a home. 
I have requested the company to remove this derogatory report from my credit bureau record. 

I have submitted a complaint to you before about this. What was the result?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
Binance as a whole does not help anyone with anything. They have never stopped tweeting, advertising, gloating and talking on all social medias, but tell the people waiting on their terrible horrnedous customer support that they are " on it ''. I am out XXXX of investing money for 2 months now without any end in sight. Complete joke of a company that has a value XXXX XXXX. 
I sent stellar Lumens to XXXX without a memo, so it goes into a fund that sits and waits until you claim it. I have done just that to no avail. 
My username is XXXX on binanceus I have provided them the transactions, video of me saying what they wanted me to say, the balance, EVERYTHING. Need someone with some sort of power to let them know this isn't ok and that we want our money NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
XXXX overage i can not afford the loans i made a huge mistake i'm severe with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/21 our checking account was compromised by fraudulent activity and within 15 minutes without our knowledge and any alert from the bank, Citibank, our funds {$31000.00} were cleared out leaving a {$1.00} balance. We contacted our bank Fraud Department and completed police report for the identity theft. 
At no point bank department either stopped or alerted us of fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is a free ride violation that was placed on my account on XX/XX/12 related to the purchase and sale of securities. At least since then, I have been unable to move money between my non-retirement brokerage accounts. This is money is that is readily available in my account and is not tied to any pending activity. To get around the issue, XXXX has instructed me to contact a rep online or through the phone to move the money and has been unable to provide a clear reason why this is the case. I have spoken to 5 reps either through chat or on the phone and 3 of the 5 have stated this problem is due to the free ride violation. I have asked for the specific text on regulation T of the federal reserve board and they were not able to provide it. I have read over the text of the regulation and it at no point dictates that a bank should restrict the movement of money between accounts. It does however deal with margin requirements and the sale and purchase of securities when funds are not available to fully make the purchase. The funds moving between accounts are not related to margin or the purchase or sale of securities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Unauthorized Credit inquiries According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiries. If a signed authorization can not be found please remove the inquiries from the three main credit bureaus. The presence of this inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 
Inquiries info : SYNCHRONY BANK Inquiries : XXXX XXXX, XXXX ; XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My aunts account has been blocked because someone stated that she had passed. I am the power of attorney on this account and I was not the one that made the statement I have given the bank copies of documents that state that she is still alive and showed the power of attorney documents and the bank will not reopen her account. At this point I have made visit to the location on XXXX, XX/XX/XXXX and many calls that have not been returned. The bank Assistant Vice President assured me that she would call me on Monday XX/XX/XXXX and have this problem corrected. I can not get them to call me back. The location of this bank is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. They are asking for my Aunt to call them to verify that she is alive, but they do not what a third party on the line. She is XXXX XXXX XXXX and may not be able to answer the questions. She can tell them her name and age, but I am not sure that she could tell them her account number. She is not able to go to the bank because she can not walk. She is a full time patient of the Rehab facility. I can't understand how some one could call the bank and state that she has passed without documentation, but I can't get them to take the block of her account with the Power of Attorney documents.

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 2021-04-21 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Unauthorized Credit inquiries According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiries. If a signed authorization can not be found please remove the inquiries from the three main credit bureaus. The presence of this inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 
Inquiries info : XXXX XXXX Inquiries : XXXX XXXX, XXXX ; XXXX XXXX, XXXX and XXXX XXXX, XXXX WELLS FARGO BANK NA Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation