vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 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: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
My XXXX XXXX Credit/Debit card connected to my checking account with the bank was charged a total of {$9600.00}. Between XXXX and XX/XX/2021. I downloaded an App for Binance.Us. and invested a total of {$20000.00}. After the initial investment Binance continued to withdraw money from my account without my consent or authorization. My account was compromised because, I did not get any SMS notification to my phone number or any email address, to show on going activities on my account. Several attempts made by me to sign into my Binance.us account was unsuccessful. At present I have no access to my Binance account to see my invested {$20000.00} or to track the {$9600.00} additional amount withdrawn without my consent. This matter has been reported to XXXX XXXX  and to Binance for investigation. It has been over two weeks and I am not getting any response from both companies. 
Please kindly assist me with this matter because this has placed a huge financial strain on my family. When I went to the back to make my mortgage payment, I discovered that the balance on my account was only about {$2000.00} dollars. Some of the money lost was money set aside for our monthly mortgage payment and family investment. I will be grateful for your assistance in addressing this matter timely. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I had a Credit Card with XXXX XXXX XXXX  XXXX. The service was terrible and the interest usurious. I paid the balance in full after a long stay at a medical facility. Human error misplaced the payment as a debit rather than a credit. When they called, I explained this to the representative who fought with me. I stopped communicating and never heard another word. 

Apparently the Credit Card representative could not understand my factual response and the debt was sold to Midland Credit for collection, who hired a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) to pursue. I contacted the Law firm, explained the situation and filed a dispute. The attorney promised to inform his client with the paperwork I provided, clearly stating I was correct, but nothing happened and the debt remains under " Collection '' on my credit reports, lowering my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
While we had a mortgage with Pacific union financial we went through a modification and pacific union did a hud relief loan. We were not properly informed about the repayment of that loan until we paid off our home. When we paid off our loan, that was transferred to XXXX mortgage, we found out we owed hud almost $ XXXX. We never seen XXXX come off of our balance or owed amount with pacific union when that modification and hud relief was processed in 2018. We feel as if they did not handle the funds properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Yes Wells Fargo owes me on two credit card accounts I have called and demanded a refund to my checking they also mischarged a XXXX  fee on my platinum savings after j requested it to be closed. I demand my savings be closed and refunded XXXX dollars and all my credit from my credit cards be sent out a check or deposit it into my checking account also there practices of horrible customer services with XXXXXXXX XXXX XXXX  needs to improve you dont yell at your customers

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 2021-10-04 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: GA

Complaint narrative:
Over 60 days ago I sent the credit reporting agencies a letter regarding some information on my consumer report that I never consented to be reported. I have been patient with my time but enough is enough. The FCRA stated that any disputes should be completed within 30days. I don't see where the law that is allow 45 or 60days to respond if so please show me in writing or else I expect a response to my complaint immediately!!! I as a natural person ( consumer ) who is protected under federal law demand these accounts to be removed from my consumer report. There is a clear violation that the law has been broken, I'm tired of my request being ignored so something needs to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021, I went on Spirit.com to purchase my airfare reservations. Once I selected my dates and I got to the payment window, Spirit Credit Mastercard offered a promotion of a {$100.00} instant credit to be applied to the reservation of my airfare in exchange for opening a credit card if approved. I was approved for the credit card through Bank of America. I received emails confirming my card and welcoming me stating that my card will be mailed to me along with no other contact information or account number other than " Bank of America ''. I then proceeded to try to pay for my Spirit airfare reservation with my new credit card but the website required me to enter the new credit card account number/expiration/security code. I called Bank of America/Spirit Mastercard customer service and their response was they could only provide me an account number and expiration code, but no security code. Spirit 's website would not allow me to continue the purchase without inserting a security code, thus forfeiting my ability to pay with Spirit Mastercard and losing out on the {$100.00} credit. Bank of America 's customer service rep said I would have to wait for the physical card to arrive in order to purchase the airfare. By the time that would happen, the airfare would also cost me more!

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 2021-10-04 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: GA

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'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. 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
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
This original creditor was XXXX and it was fraudulent in the amount of {$920.00} .I 've made several attempts to resolve this issue by providing them information that I was not living in the dwelling when this account was being used. The account kept coming back on my report after I would dispute it. I became so frustrated that I hired a law firm to help me with this fraudulent account last year XXXX. To my delight the account seemed to be finally removed from all credit bureaus. On XX/XX/XXXX I received an alert that a collection agency ( EOS CCA ) must have purchased this file and it has again erroneously affected my credit in a negative capacity. I left this account alone for a year or so because every time I would dispute it, it would pop back on my report and drop my score 30 to 40 points as I continued to rebuild my credit, now it pops up like a new account. This should be illegal for anyone to be able to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: OK

Complaint narrative:
Some girl named XXXX XXXX is using my address and my phone number, my information to purchase products and is having debt collectors call me instead of her regarding all of this stuff. I have no idea who she is. But I have her address and I know her name. I don't know what's going on but all I know is her name is XXXX XXXX she lives in XXXX Texas and she bought a bunch of detox cleansing stuff on the internet and they've been emailing me repeatedly about the order and I keep telling them they have the wrong email. And then a debt collector called me today asking for XXXX and saying that XXXX needs to call back immediately. I'm not XXXX. My name is XXXX XXXX and I live in 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 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have 4 accounts with Midland Funding that is on my collections. I have no knowledge of either of these accounts. These accounts are fraudulent and look like duplicates. 2 accounts were supposedly opened on XX/XX/XXXX and the other 2 was opened XX/XX/XXXX. Ive never dealt with midland funding or the creditor they are working for. This is illegal debt.. and this is hurting me from moving on in life. They also have a default judgement against me but Ive never received mail to attend court. I currently have a case opened with XXXX to get this handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The scammer posed as a friend of mine though XXXX. Convinced me to do an investment to earn a big money return. I sent {$600.00} and I was told that with my investment I would receive a return of {$20000.00}. Before having my money released to me I needed to send {$1500.00} to pay the IRS a fee to get my money. After sending the {$1500.00} I was asked for my password as a security to release my money. Shortly after, my account was taken over and the scammer has gone into a domino effect to reach others. Through my email notifications from Wells Fargo and XXXX I was able to find a name, emails and phone numbers linked to this scammer. Name ( s ) : XXXX XXXX and/or XXXX XXXX XXXX XXXX : XXXX and/or XXXX Phone Numbers : ( XXXX ) XXXX and/or ( XXXX ) XXXX. Location reported near XXXX TX. I have reached out to my bank and they gave me a provisional credit and reversed it. Now I am negative in my account and they are not willing to help me further.

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 2021-10-04 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: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed an accountt with XXXX XXXX ( Formerly XXXX ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in reference to late payments being reported.. XXXX has payment status reporting for XXXX as `` not more than two payments past due '', TransUnion as `` 30 days past due '', and XXXX as XXXX paid account/was 30 days past due. XXXX has the close date as XX/XX/XXXX, Transunion as XX/XX/XXXX, and XXXX does not have a close date reporting. XXXX actual report has late payment reporting XX/XX/XXXX, Transunion 's report doesn't have nay payment history reporting, but is reporting a 30 day late payment, and XXXX 's report has late payment reporting as of XX/XX/XXXX. I have never been late on any payments, and I am not understanding why the bureaus are failing to investigate properly. Payments for this loan were due the XXXX of every month since the origination of the loan, which was XX/XX/XXXX, and I refinanced the vehicle with XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time that I refinanced the vehicle, there were no late payments reporting to my credit report. Then after I paid the vehicle off XXXX reported late payments. Please find attached how the account is reporting to my credit reports and my payment history/payment and notifications staring from XX/XX/XXXX to pay off of loan on XX/XX/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 2021-10-04 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: MO

Complaint narrative:
I have disputed an accountt with XXXX XXXX ( Formerly XXXX ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in reference to late payments being reported.. XXXX has payment status reporting for Equifax as XXXX not more than two payments past due '', XXXX as XXXX 30 days past due '', and XXXX as XXXX paid account/was 30 days past due. Equifax has the close date as XX/XX/XXXX, XXXX as XX/XX/XXXX, and XXXX does not have a close date reporting. XXXX actual report has late payment reporting XX/XX/XXXX, XXXX 's report doesn't have nay payment history reporting, but is reporting a 30 day late payment, and Equifax 's report has late payment reporting as of XX/XX/XXXX. I have never been late on any payments, and I am not understanding why the bureaus are failing to investigate properly. Payments for this loan were due the XXXX of every month since the origination of the loan, which was XX/XX/XXXX, and I refinanced the vehicle with XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time that I refinanced the vehicle, there were no late payments reporting to my credit report. Then after I paid the vehicle off XXXX reported late payments. Please find attached how the account is reporting to my credit reports and my payment history/payment and notifications staring from XX/XX/XXXX to pay off of loan on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/21, Wells Fargos credit department took {$5700.00} from my Wells Fargo checking account, resulting in my account being over drafted by {$2900.00}. At the time of writing this, my account is XXXX. Wells Fargo Executives confirmed that this auto payment was taken in error as I had turned off auto payment on XX/XX/21. 

This morning, my family and I were stranded in Florida as we were attempting to gas up and return to our GA home from vacation. At XXXX XXXX, my card declined and I reviewed my account and saw the error. I promptly contacted Wells Fargo and proceeded to speak with no less than 10 representatives, ranging from tellers to Execs over the course of the day. Every person quoted a 3-10 day TAT to resolve an issue they confirmed was theirs. This is unacceptable for an issue this urgent. Just to get home, I had to use the same credit card that is the root of the issue just to get my family home.

Multiple reps lead me to believe I caused this issue before the Exec team proved this to be untrue. The Exec team has provided no assurances to when I will get my funds back. One rep, who I can provide details on if needed, stopped answering my calls which I advised I would make to check in for updates. At XXXX XXXX, this rep obviously started sending my calls to voicemail. I called seven times in a row from my number and each attempt was sent to voicemail. Suspecting my calls were being screened, I called the same Wells Fargo Exec number from my wifes phone, and it was answered on the second ring by the rep I had been trying to reach. How can I trust a business to keep their word on expediting a complaint when they screen my calls? Again, this was a confirmed Wells Fargo issue that wiped out my account. At the least, they owed me updates and transparency.

With Well Fargos history of fraudulent practices, I have no faith that anyone actually worked to expedite and resolve my issue. I have no money in my account and have mortgage and bills to pay today. 

I am pursuing every path I can to report Wells Fargo for their suspicious business 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 monetary relief
Consumer complaint received 2021-10-04 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: CA

Complaint narrative:
I Have been diligently contacting Equifax in order to remove a Old Consumer statement from my report Since XX/XX/XXXX for a month now. The Consumer Statement was not made by me and is a result of Identity Theft in the past. All 3 of my Credit Bureaus had Fraud Alerts and Equifax Must Remove this Consumer statement. I have spoken to 3 different managers and 5 customer service representatives In Equifax customer service department and they all say they have removed the Consumer statement and will show as removed on the credit file in 72 Hours and they give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax and the Consumer statement was not done by me. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately! The last 4 digits of my social security # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmerAssist A/R Solutions, Inc.
State: NE

Complaint narrative:
I have disputed numerous times with XXXX and creditors to resolve this issue and have been completely ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I have sent 3 requests to Freedom Mortgage in reference to loan XXXX, on : 1. XXXX ; 2. XXXX ; and 3. XXXX I have attached XXXX documents : A. The email complaint ( 3 submissions ) ; B. Freedom 's Mortage document, email with Movement of Account for my loan ; C. Spreadsheet, where I copied ( B from above ) to understand the movement of accounts.

In essence, the questions that I have requested to have answered ( which has not been addressed ) are the following, in reference to the documentation provided by Freedom Mortgage ( document B from above ) : 1. There is a charge of {$500.00}, under Other. This was debited, but never credited- not sure why? Seems to be an unexplained penalty.

2. Amount of {$2800.00} have been removed from principle, why?

3. There are Interest Charges for {$6100.00} for a period of six months the average interest charge is about {$820.00} per months ( XXXX = {$4900.00}, Column O )? Why is there over {$1200.00} in additional Interest Charges? 

4. During the month of XX/XX/2021, the escrow balance was {$5800.00}, with an unexplainable debit of {$1100.00} can you please explain? 

None of these questions have been answered in multiple phone conversations, and even less over email.

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 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have disputed numerous times with Transunion and creditors to resolve this issue and have been completely ignored

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