vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
My kids father deposit his tax refund into my account they ask me for more information to sent his id and 1040 he sent it and they said they could release it because my name was not on his check so they sent it back to the bank that sent it to them so he received at check from his tax off a couple days letter the block my card with my weekly the The posit always go I also have money already available they told me for them to unblock it I will have to get them my id, social Security card or birth certificate, and my unemployment information I sent it and they said it will take up to two days for a reply for them to unblock it and the been calling for 5 days talk too many supervisors and my Attorney they not trying to give me any information I have to children and I have bills and rent to pay time are hard been though this Pandemic going on

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Monterey collection is in violation of the " reaging '' laws under FCRA act. They claim my husband and I owe a debt first reported as delinquent on our credit bureau report by them in XX/XX/XXXX. After some research into what the debt was I realized this loan was taken out in XXXX and was sold to another company in the same year. At that time I did not pay XXXX. This delinquent account never appeared on my credit report from the original lender nor did either of us named on the account get any notices that we were deliquent. This collection agency, I suspect, purchased this alleged debt and reported this as " new debt '' as of XX/XX/XXXX. I would like to know when the original lender reports this alleged debt as first going delinquent since that information was not reported on my credit report by ANY other entity until XX/XX/XXXX and only by this company. I want this removed our credit reports immediately under the FCRA law of " reaging '' that Monterey collections has clearly violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I called the company XXXX XXXX XXXX that has been calling me about a debt they say I own. I tried to find out the balance of the alleged debt owed and they told me " around {$7200.00} give or take ". My credit report does not list this company and the original debt is for American Express and it says {$6800.00}. Also when I contacted them via telephone, I asked the company to not contact me by phone anymore back in 2019. After requesting that I was not to be contacted via telephone I still received phone calls. Furthermore, when I called I spoke to a manager and he was very aggressive and unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/21 I received an email from Experian stating my credit score had dropped. When I checked my score, I saw it had dropped 25 points. I checked my credit report, and it showed no reason for the drop. I called Experian on XXXX ( they're only available M-F, XXXX ) and they referred me to FICO. FICO sent me back to Experian. 
I called Experian again XXXX and spoke to a supervisor named XXXX. He was dismissive, claimed my 25 point drop was normal, and that if I want to know what caused the point drop, I'd find out when I applied for a loan. I explained that I want to fix the problem BEFORE applying for a loan ; and he said a 25 point drop is something he " sees everyday '' and claimed it was based on my open credit. I explained I haven't opened or closed credit accounts in 4 years. He dismissed me and offered NO help to figure out why my credit dropped suddenly. He claimed my concerns were baseless.

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 2021-03-10 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/XXXX XXXX charged my credit card XXXX and XXXX. Both are unauthorized charges as I have never placed order from XXXX. It is not retail website, but rather XXXX. I tried contacting XXXX, however I have failed to get any respond from them. Then I filed dispute with XXXX XXXX who services XXXX XXXX XXXX. Finally, XXXX refunded partial for the amount of XXXX on XX/XX/XXXX but not full amount of XXXX it charged. This is unauthorized by XXXX. So, far XXXX XXXX has refused to refund the difference or provide any evidences to support XXXX proof that I made any purchase or received any product or services from XXXX. Nor have XXXX provided me with any proof of products or services provided by them to me. XXXX XXXX asking me to provide proof that I didn't make those purchases, which I have none because I didn't make those purchases. 

Further more I have tried contacting CEO of both XXXX and XXXX XXXX - either one 's office have responded to my emails. 

I have more dispute regard XXXX XXXX lights that purchased that came damage, they won't return or refund them. I tried contacting the company so many times, but look - see attached emails. It took months to receive the product and then they were damaged and most of them no longer work now. That is another dispute running with XXXX XXXX for {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have disputed the information and dates relating to a XXXX collections account on my report from XXXX XXXX XXXX and despite showing them previous credit reports that XXXX illegally re-aged my account, they verified it as accurate. My current credit report shows that a XXXX collections was opened on XXXX XXXX, however, I have a credit report from XXXX XXXX that shows XXXX was in collections from XXXX and charged off in XXXX XXXX so they have re-aged the account and should be removed for illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I instructed the purchase of 200 shares of stock in XXXX ( XXXX : XXXX ) through the broker XXXX XXXX XXXX on XX/XX/2020. 

XXXX XXXX XXXX instructed me to transfer the cash for the purchase to their account with XXXX XXXX XXXX. Accordingly, I transferred {$22000.00} ( {$22000.00} for the shares plus broker fees of {$220.00} ) from my account at XXXX to the account # XXXX of XXXX XXXX XXXX with Wells Fargo. 

Since that time, I have become aware that XXXX XXXX is a fraudulent bucket shop. Evidence is here : XXXX XXXX XXXX  I have also become aware that XXXX XXXX  XXXX is engaging in fraud.Here is the evidence of the fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So I am now reporting to you that Wells Fargo is providing account services to a company engaged in securities fraud : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CA XXXX The account is with Wells Fargo Bank XXXX , XXXX XXXX XXXX, XXXX XXXX, CA 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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX XXXX several notarized letters were sent out on my behalf to Experian, XXXX, XXXX for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # 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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ Data contacted me today ( XX/XX/21 ) in an attempt to collect a debt of {$130.00} which was, to my knowledge still disputed. The company misrepresented the outcome of the dispute stating that the dispute had resulted in the debt still being active and I paid in fear of my credit score dropping. However, when I went to check the results of the dispute, the case had actually been ruled in my favor days prior. IQ Data misrepresented my dispute for financial gain at my expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: IL

Complaint narrative:
The company was reporting an owed balance to the credit bureaus. The company asked me to settle the account and they would give me a letter stating that the account was settled for me to have it removed from my account. I've sent in multiple disputes to each credit bureau to have this removed and they are still falsely reporting a balance with the balance has been paid Since XXXX and it is now XXXX. Recent XXXX  updated the account with a balance when this balance should be at XXXX. Neither of the 3 credit bureaus will remove this account when they are purposely reporting false information.

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 2021-03-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company was reporting an owed balance to the credit bureaus. The company asked me to settle the account and they would give me a letter stating that the account was settled for me to have it removed from my account. I've sent in multiple disputes to each credit bureau to have this removed and they are still falsely reporting a balance with the balance has been paid Since XXXX and it is now XXXX. Recent experian updated the account with a balance when this balance should be at XXXX. Neither of the 3 credit bureaus will remove this account when they are purposely reporting false information.

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 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a dispute letter to the credit bureau after reviewing my credit report. I noticed there were inaccurate items on my credit report and items that did not look familiar to me. It has been over a month already and I still have not received a response and my credit report is still showing the inaccurate items. These inaccurate items have been a huge obstacle in my life. After no response for over a month prior to completing this complaint I sent another letter demanding them to comply and conduct their investigation and respond. According to the law these items should be deleted because it has been well over 30 days and I have not been notified of any type of investigation taking place. I do not know what else to do.

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 2021-03-10 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:
On XX/XX/2021 I sent a dispute letter to the credit bureau after reviewing my credit report. I noticed there were inaccurate items on my credit report and items that did not look familiar to me. It has been over a month already and I still have not received a response and my credit report is still showing the inaccurate items. These inaccurate items have been a huge obstacle in my life. After no response for over a month prior to completing this complaint I sent another letter demanding them to comply and conduct their investigation and respond. According to the law these items should be deleted because it has been well over 30 days and I have not been notified of any type of investigation taking place. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX several notarized letters were sent out on my behalf to XXXX, XXXX, Transunion for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # 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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX several notarized letters were sent out on my behalf to XXXX, Equifax, XXXX  for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
My mortgage was transferred from XXXX XXXX to XXXX in XX/XX/XXXX. My mortgage was suppose to include escrows. XXXX stopped collecting escrows for RET and Insurance. I called them multiple times and send an email, both to their corporate email address and the secure messaging service. I was told this would be resolved but it has not and now my taxes are past due ( XXXX shows enough funds in the escrow to make the installment ). The mortgage was transferred in XX/XX/XXXX and the new servicer doesnt show the escrows being required. 

Furthermore even though I had an insurance policy in place, XXXX put in force a XXXX policy using my escrow funds when they took over the loan. My agent provided proof of coverage over the last year, and although they showed the new policy in effect they have yet to refund me for the policy they put in error. 

XXXX refuses to address these concerns primarily the insurance policy issue. My new servicer is telling me this needs to be resolved by XXXX and not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
ad Astra a debt collector for speedy cash tried taking money out of my bank account with out my consent or a courts consent for funds in {$1300.00} and cost my a {$29.00} charge for insufficient funds with XXXX. speedy cash refused payment after one or two missed payments and would not allow a payment plan then sent the debt to ad Astra to which I have nor will have any agreement or arrangement with after this. 

Nonsufficient Funds Alert : A transaction resulted in nonsufficient funds to the account below : Date : XX/XX/21 Account ending in : XXXX Transaction amount : {$1300.00} Details : CHECK # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sapphire Marketing Group, Inc.
State: CA

Complaint narrative:
XXXX collection is in violation of the " reaging '' laws under FCRA act. They claim my husband and I owe a debt first reported as delinquent on our credit bureau report by them in XX/XX/XXXX. After some research into what the debt was I realized this loan was taken out in XXXX and was sold to another company in the same year. At that time I did not pay Sapphire. This delinquent account never appeared on my credit report from the original lender nor did either of us named on the account get any notices that we were deliquent. This collection agency, I suspect, purchased this alleged debt and reported this as " new debt '' as of XX/XX/XXXX. I would like to know when the original lender reports this alleged debt as first going delinquent since that information was not reported on my credit report by ANY other entity until XX/XX/XXXX and only by this company. I want this removed our credit reports immediately under the FCRA law of " reaging '' that XXXX collections has clearly violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
When we log into the site it says contact them if our income has dropped due to covid. We let them know. They had us finally upload some documents after months of saying they are still reviewing. This is a blatant lie. What would possibly take so long Just sitting waiting since XXXX Now they are charging is {$15.00} a month for a property inspection fee because they say our account is past due. This company is trash.

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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX was told fraudulent charge of a dollar advised I know about transaction and it wasnt fraudulent nothing further XX/XX/XXXX my directed deposit was put into my account when I went to use the card denied tried netspend app said account locked contacted customer service 6 times to keep being told I need to send documents to verify my identify over unsecured email even though the website says not to they want my social card driver license and proof of my address to unlock my account I refuse to send through email told them because the website says not to and that if I cant send through secure inbox to call I asked if they could close the account and just send a check with my money they put request in was denied because I need to verify my identity I keep getting the same run around and now refuse to pay me what is mine with no way to resolve my issue

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
ii have asked XXXX XXXX on several occasions to provide proof that i owe the debt i asked them to provide a signed contract from the original debtor and it is now 9 months later and still don't have any info or an answer, when i called and asked them they told me to just pay the bill hen in fact i don't owe the bill we walked away from XXXX  free and clear we returned the phones as instructed by XXXX  paid our final bill and we thought it was over. when i ask for proof they gave me the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation