vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Background - Mortgage bought out by Mr Cooper. 

Issues - 1. On App -- Payment that was rejected shows payment accepted after. {$1300.00} Both Payments have date timestamps only and no Hour / Minute -- I believed the payment was fine given the Rejected payment was shown before the payment made leading me to believe that it was rejected, and then paid by my wife when she said she tried to fix the issue.

2. The app does not show my total balance owed, it only showed how much I needed to pay for my next payment. I believed I owed no debt resultant of this and had enrolled in auto pay.

3. Mr Cooper made no attempt to collect the debt from me, I found out about the amount owed when I had lost 73 points of credit from one report from Mr Cooper effectively destroying my otherwise ~XXXX credit score. 

I feel this is not ethical, I have an app, an email, phone number, mailing address all registered... I would not feel cheated had there been any attempt to collect debt before reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: CBC Companies, Inc.
State: IL

Complaint narrative:
Innovis is reporting XXXX XXXX XXXX on my credit report its infringement upon a consumers rights to privacy pursuant 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: MN

Complaint narrative:
Transunion was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by 77 points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. Transunion needs to act immediately and remove the negative mark on my credit file and my husbands.

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 2021-10-09 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have disputed this account a number of times and the company is responding to me as verified but not providing any proof on how the debt was verified. Comenity Bank had violated my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Reached settlement with company to forego all outstanding debts on my credit card account after paying {$7000.00} in three instalments. Letter enclosed.

Company received payment, and after a month or so turned the account for collection of about {$5000.00} to a collection agency who started calling ( number provided by the company without permission ) me for the debt.

Agency was informed debt has been settled with the company per settlement letter.

However it reported to credit agency as charge off. As a result my credit score dropped by about 30 points.

Company has been evasive and thanked me for trying to pay the debt, which I have not done at all ( it has been settled already ). My credit score has not recovered because agency/company has not removed the charge off amount, it remains a black spot on my credit report. 
Proof of payment, my letter and part of credit report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX XXXX signed me up for a one year {$150.00} bimonthly plan with a {$150.00} early cancellation fee, I gave my debit card. XXXX provided the service. XXXX said first charge didn't go thru and ran card again. My bank acct shows 2 - {$150.00} charges on XX/XX/XXXX. The next service was on XX/XX/XXXX but again the bank charges show {$150.00} on XX/XX/XXXX and XX/XX/XXXX. I tried to resolve local but was sent to Billing dept where there is no way to leave a message but instead says to send email to finance department. Finance department never responded to multiple emails. Calls to the local office also failed to resolve. So I cancelled the service XX/XX/XXXX and they sent me a bill for {$150.00} early cancellation. I paid the company for 2 services at $ XXXX/each and {$150.00} early cancel fee = {$460.00}. However, they have taken through my debit card {$150.00} x 4 = {$630.00}. That leaves them owing me = {$160.00}. I have a dispute through my bank for {$150.00} on the XX/XX/XXXX withdrawals which they resolved with the bank. Now they have threatened to send me to collections. They actually owe me {$9.00}. I have sent numerous emails with records of the withdrawals from my bank account. I can not get anyone in Finance to contact me. I received a debt collection notice from ARM Solutions , Inc. on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had a wells Fargo account since XX/XX/1990. Currently I am in the hospital with having a XXXX. I am in XXXX. I receive my pension direct deposit into my account for years. After having the XXXX I lost my username and password. I have tried to solve the problem with them for a year now. They said I have to go into a branch to fix it. Because of being trapped in the hostpital and covid I could not do this. So eventually the bank told me to just call the telephone banking system and instead of entering the pin number I could access a limited summary of my debits and credits to my account. I have been doing this for months now and it was working fine until recently. When I call telephone banking it no longer gives me the option to enter the last 4 of my social security number to gain access. It simply routes me to a banker and they don't help. I escalated it to the executive office for a resolution and they sent me a. response letter that contains no resolution. Please I need to be to at least check my deposits and debits! I have automatic payments withdrawal. Also I have my pension direct deposit into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: PA

Complaint narrative:
I have asked for these companies to provide me with Identifying the person who had these accounts under my name. I have asked for proof of debt over five months ago and have yet to receive proof nor a response.

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good afternoon, I was able to verify some incorrect information on my credit report, I tried to get in touch with the different credit Bureaus, the main issue here its that they never answered, I followed the recommendations and tried to reach them several times. As I understand they are supposed to answer me within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: LoanCare, LLC
State: MN

Complaint narrative:
XXXX was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by XXXX points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. XXXX needs to act immediately and remove the negative mark on my credit file and my husbands.

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 2021-10-09 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: MN

Complaint narrative:
XXXX was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by XXXX points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. XXXX needs to act immediately and remove the negative mark on my credit file and my husbands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I wish to file a complaint against Frost Bank. I am being fined and having money removed from my account because Frost and Visa are refusing to accept a refund for {$300.00} from a merchant acting in good faith ( XXXX XXXX XXXX ). I was told the bank was not aware of any attempt of a refund from around XX/XX/XXXX and so I had to spend {$75.00} calling the merchant. The truth is that the bank declined the refund, and is now saying it is Visa that did it. After going to two branches and making numerous time-consuming calls to finally figure this out, Frost issued a credit for the refund because they could see the merchant did indeed attempt to send it several times. The next day, the refund was rescinded, and I was charged an overdraft fee. I was then told I would be responsible if the merchant did not try a fourth time to issue the legitimate refund the bank refused to accept. This is unacceptable, and not my fault, so I should not be charged for Frost 's and/or Visa 's failing to accept the money back. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I contacted XXXX customer service line to get help on activating my new card. I called them three times and all three times when I was finally transferred to an agent, the line would go silent. I said hello multiples times in each call and received no response. If I dont have the capacity to activate my card and then Im unable to receive help from customer service to help me with my concerns or issues, then this is not a reputable business. The services from this company should not be offered to consumers who are seeking use tools to manage their finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 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: CA

Complaint narrative:
went to court 3 times on XX/XX/2011 the govt filed a notice of voluntary dismissal no judgment was enter against me and case was dismissed and closed ( Docket NO. XXXX ) This was not my loan school had to fire a lot of staff taking out loans in students names made front pages of news papers at that time

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 2021-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Blueburd american express Eagered to get me off the phone an unwilling to take passwords and last four S.S..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My PayPal account was hacked and money was removed from my bank account. I filed a claim with PayPal and they keep refusing my claim saying it could have been someone else from my household ( I am XXXX years old and I live alone ). While the amount is not large, {$60.00}, someone hacked into my PayPal account and through that my bank account. PayPal refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have asked for these companies to provide me with Identifying the person who had these accounts under my name. I have asked for proof of debt over five months ago and have yet to receive proof nor a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Hello sir / madam i had opened up an account on XX/XX/2021 on the trading platform Gemini ( gemini trust company llc ) for trading cryptocurrencies they had my account verified through drivers licence, e-mail and mobile number and linked my checking account with them to wire money, later on XX/XX/2021 i had wired {$60000.00} USD to them and it was debited from my checking account then Gemini e-mailed me to further verify my self on their support by providing my drivers licence photo with a hand written note along with a selfie all in one frame to make my funds available, I submitted it and the finds were available in my gemini account but they restricted my account to buy trade or withdraw the amount its just stuck in their platform and i don't have a resolution for it i e-mailed them regarding the same bit they just said the will transfer my case to a specialist and then i have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen got hit with unlawfully Sterling home in Texas so they bought Phh mortgage service and now me and my family have been fighting foreclosure for 8 Long years there accounting is wrong on my mortgage I am a XXXX Amerikaners War Vet long story

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have sent a letter in for this company and they did not do any investigation and I've sent a letter out twice already and did not get any response and it's been over 3 months now. The dates I've sent these letters out were XX/XX/21 and XX/XX/21. I did not grant these companies authorization. I will attach the files with the inquiries for the investigation.

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good afternoon, I was able to verify some incorrect information on my credit report, I tried to get in touch with the different credit Bureaus, the main issue here its that they never answered, I followed the recommendations and tried to reach them several times. As I understand they are supposed to answer me within 30 days.

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 2021-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OpenRoad Lending
State: AZ

Complaint narrative:
Hello, I have been trying to refinance my vehicle. The company I am dealing with is OPEN ROAD. 

XXXX XXXX The OpenRoad Lending Auto Loan Savings Team XXXX XXXX XXXX XXXX # XXXX / XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX fax ( XXXX ) XXXX text msg XXXX After an approval was offered to me, they starting adding extras which I denied. Extended coverage protection for mechanical issue and also Gap Insurance. After my denial of these products added to my loan, the pace of the transaction slowed down a lot. 
Even though I requested calls from the loan helper, XXXX, after I leave work, because I have a new job and I am currently going through an extensive amount of training and I am unable to hold on the phone for 30 minutes or more when I try to call this company to follow up on my loan. They did call once or twice but at times I was not available at the times they try to call me. 
In the meantime they are requesting additional contingencies to move forward. It has been 3 weeks or more since I applied. The loan helpers work on commission so I believe that the picture changed when I rejected their added products. I did have the chance to speak to a XXXX, 2 days ago but she tried to push the Extended coverage and the Gap insurance on my loan, once again I denied that and I got disconnected. 
The loan assistant XXXX XXXX keeps asking me to log into the application to add the co-borrower, ( which is fine ), I do understand that. However, the link he has sent twice does not work and I do not seem to be progressing much with this company. 

Now, a person in my family was able to refinance her car loan and she did recommend their services, it looks like in my case I did hit a brick wall head on. This company has rather poor customer service practices and I fear for my private information in the hands of this organization at this point.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
i got letter From the Court that i am being sue by Capital One bank that i dont know authorized. Its on the letter just show the amount over {$10000.00}. I log in to capital one bank to see what a transaction for but my account was closed. how can i reponsIble to amount money i am not recognized that or i never authorized.

Company response to consumer: Closed with explanation