vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: WA

Complaint narrative:
I never opened this account and this is not mine. I have reached out to the creditor and the bureaus to remove this account from my report. XXXX XXXX XXXX is no longer reporting this however Equifax is still reporting this and it is severely affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
1. Received check of {$66000.00} as part of mortgage refinancing. Deposited in bank ATM on XX/XX/2021. ATM kept the check. 

2. Next day ( XX/XX/2021 ) the full amount was credited to account, but then was simultaneously debited from account as " Adjustment to EF ATM Deposit '' - this was NOT a check hold while the check cleared ; this was an ADJUSTMENT to the check amount, changing the check amount XXXX XXXX. Bank did not allow me to view an image of the check on either desktop website or mobile app 4. Called bank phone number. In total ( two calls ) on the phone for over an hour. A representative ultimately told me that there was nothing any of the Customer Support team could do, that adjustments was a separate team that customers could not talk to, that I would " hopefully '' be receiving a copy of the check within 5 business days. 

I had urgent cash needs to pay a separate debt and was relying on the check clearing by the end of the week.

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 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Hi, The short of it is that Wells Fargo failed to cancel my PMI automatically when I reached 78 % LTV and is refusing to refund the difference. 


In XXXX I called Wells Fargo regarding my mortgage PMI and wanting to know how to get rid of it. I was around 80 % LTV ( based on the lower value of what I paid, not what it originally appraised at ) at the time. My understanding of the conversation with the rep was that I could either pay for their appraiser to make sure the value of my house in a growing major metro area hadn't dropped or wait for it to drop automatically at 78 % so long as I was in good standing. They said they'd send a follow up letter with details, which I did receive. 


I ticked that off in my head since I was so close to 78 % LTV and forgot about it until this XX/XX/XXXX. I noticed that I was still being charged PMI, despite being at 75.5 % LTV. I have been a month ahead on payments for years so this confused me. I called and the first rep just kept saying they'd generate a letter that would eventually arrive. I called again immediately and got a more informed rep that confirmed that they would cancel it but couldn't tell me why it hadn't already and that I'd have to call and try after it dropped when I asked about a refund. 


I escalated and their highest rep level called me back today, XX/XX/XXXX to say that they sent not one, but two letters directly after my original XXXX call and that one said that they no longer automatically cancel PMI and therefore they would not be refunding the difference. I received only one letter and received no indication that there would be a second. This supposed second letter is also not available for my viewing in my account page nor was it electronically sent to me. This rep also insists that she is unable to find the XXXX call information without a specific rep name and date, despite that call being the reason the XXXX letter was generated in the first place. Supposedly the higher rep is mailing these letters to me now.

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 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: AZ

Complaint narrative:
sentry credit inc tried to collect cleaning fee on behalf of XXXX XXXX XXXX ranch without providing any evidence. 
I called them to sole the issue but they threatened me that I have to pay and evidence not needed since they trust apartment management. 

1. in state of Arizona : XXXX. XXXX, Subsection 14 of that section says : " '' Security '' means money or property given to assure payment or performance under a rental agreement. " Security '' does not include a reasonable charge for redecorating or cleaning. '' Then refer to XXXX. XXXX. Landlord can only withhold a security deposit for any damages caused to the property. XXXX ( D ) provides that the landlord must refund your security deposit within 14 days of the end of your tenancy together with an " itemized list of all deductions ''. If they fail to do so, you can sue for the return of the deposit plus 2x the deposit. 
Landlord refused to return my deposit within 14 days. 
Landlord used my deposit for the cleaning fee. 
2. What the landlord submitted as evidence is an outdated contract from XXXX. It does not provide any evidence for the cleaning fee. 
3. I moved in XX/XX/XXXX and lived there for 8 years. During that time I requested several times to clean or replace carpet and resurfacing the tub which the landlord refused. 
4. Your collection report affected my credit score negatively. You have absolutely no evidence from the landlord except the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a message to my mortgage company, CMG Mortgage, that it appeared that they paid my annual property insurance bill, from my escrow account twice. Once in XXXX and again in XXXX. The amount paid twice was {$3000.00}. At that time, I was told to allow 7 -10 days to see the funds back in my account. 

On XX/XX/2021, I closed on a refinance and the loan at CMG was paid in full. I have not received the balance of my escrow account as today. 

Since then, I have followed up with online messages and phone calls. On XX/XX/2021, I was told that after some research, they discovered that that sent the first payment to the wrong insurance company in XX/XX/2021. So when they were notified again for payment by my insurance company, another payment was sent in XX/XX/2021. I was told by employee XXXX ( employee # XXXX ) to expect the issue resolved by XX/XX/2021. 

After not seeing any resolution, I called again on XX/XX/2021. I spoke to XXXX. He told me that they have not received any response from the incorrect insurance company regarding refunding the payment and CMG can not refund me until they receive the funds back from other insurance company. He said I could call the incorrect company if I would like. I told him that this was CMG 's error and not mine. They should not be holding my money hostage because of their mistake. They paid the wrong company, not me! 

I believe that laws are in place that any monies left over after payment are to be returned in a certain period of time. To date, my balance in my Escrow account is {$700.00}. Together with THEIR error, I am owed {$3700.00}. 

Please feel free to reach out to me for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
opened Robinhood account deposited funds into the broker account XX/XX/21 - XX/XX/21, funds cleared my account on XX/XX/21 after trying to use debt card i received from Robinhood they restricted use of card. Ask to provide identification again after already being submitted. Once submitted was told that i had to resend front copy of social security card because it looked like a photo of a photo when in fact i took real live photo. After resubmission i still have yet to receive response from company and my debt card and funds are still placed under restriction as of XX/XX/21 ive reached out by phone and email several times and they have not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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 have a loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.

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 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2021 Citibank closed an account with pending ACH credits totaling at least {$2000.00}. Citibank refuses to confirm the account balance that will be sent as a check and will not completely close the bank account in order to try and collect fees until the account balance is {$0.00} ( basically steal money ). They keep saying the account will be closed in 60 days but the account is already closed since it is restricted. By waiting these 60 days they will try to collect fees such as inactivity or monthly fees in order to steal money.

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 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a text message on XX/XX/XXXX indicating I had authorized a XXXX payment to an unknown party for {$3500.00} from Bank of America and to reply NO if I had not initiated that payment. I replied NO and received an immediate phone call from Bank of America indicating the payment needed to be reversed through XXXX by sending the funds back to myself. The Bank of America representative walked me through the process. The total amount of {$3500.00} was transferred out of my account on XX/XX/XXXX and I called Bank of America who informed me it was not them calling although the number matched their customer service number and they took a claim from me. They said it could take up to 90 days to research. I called back around 45 days and they said they had not recovered any funds and then I called back XX/XX/XXXX and they said there was a note on XX/XX/XXXX that they were trying to recoup funds from the other user 's bank but no one called me and informed me of the update. I filed a complaint with the FTC on XX/XX/XXXX. I have attached the emails I received confirming the transactions and indicating they were from Bank of America. I have attached several news reports of the exact same situation for which all of them were initially denied by Bank of America and the consumers were refunded per Regulation E once a media source became involved. I have not involved the media.

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 2021-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
This is our third complaint now against GM Financial because they're still not addressing the issue, and their second response is literally the same letter as the first. After they tricked us into repossessing it, they now won't let us make payments on it. We've been calling all summer trying to get something worked out so that we can continue making our scheduled payments. Every person we talk to says we have make payments by phone, but the phone payment system says we're not eligible. Every option they have said is available to us, they find a way to block it. We mailed a payment in, they said they never received it even though tracking shows delivered at their address. When we try to get something finalized with them on the phones because the phone option doesn't work, we get placed on hold for 1+ hours and/or they " accidently '' drop our calls. We get talked to like trash by everyone we talked to. All we want to do is make our payments and they're not letting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
On XX/XX/2021 I spoke to a representative from pacific credit exchange in regards of the account still appearing under collections. I informed her that the amount of {$2700.00} was paid in full and I needed this to be removed from my credit report because it wasnt allowing me to refinance the loan to my home. The employee stated that it appeared as closed on her end and that there was nothing she could do to help me remove this account from my credit report.

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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i was advised that by paying this collection it would be deleted from my credit and no longer negatively reported. it is still there even though i paid in full.

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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i was advised that by paying this collection it would be deleted from my credit and no longer negatively reported. it is still there even though i paid in full.

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 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: AZ

Complaint narrative:
XXXX, XXXX, XXXX XXXX had a male whom identified himself as the XXXX County Police call me to say I'd be served in court for a 20 year old credit card debt that was charged off. They call to harass and threaten me, and I have requested they discontinue calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: FL

Complaint narrative:
On XX/XX/2021 I sent out dispute letters reporting several negative accounts on my credit report that do not belong to me. It has been well over 30 days since then and I have not received any results back from the bureau. This is a violation of my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime blocked my account 5 days ago. Asked me to email all my verification and that in 24 hours I would have access. Its been 5 days. They are withholding ALL of my money. Im having to borrow money to get back and forth to work while they hold my thousands of dollars!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I order a machine thru XXXX XXXX XXXX with PayPal back in XXXX. Immediately when I received the machine was not the machine I ordered ( older model, not the same attachments, not touchscreen, just totally different machine ) AND it was broken. I tried resolving with XXXX and the seller to no avail and then filed a dispute with PayPal on XX/XX/2021. I went back and forth for 2 MONTHS with them at which time I heard EVERY excuse in the book and the resolution date was changed 14 times. PayPal responded to my previous complaint and talked about a COMPLETELY different dispute. This complaint is regarding dispute number XXXX , attached is just some of the XXXX I had to deal with while this ordeal with PayPal. They protect fraudulent sellers just to make a few bucks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Business Factors
State: WA

Complaint narrative:
I received care from minor emergency in XXXX XXXX XXXX on XX/XX/2020. That care cost was {$420.00} and {$160.00} of that was covered by my insurance provider ( this can be seen in the XXXX attached ). This left me with a responsibility of {$250.00} to be paid to the provider. I use an XXXX through connect your care powered by premera. I have paid many medical bills through this process over the past 5 years with no issues until this one. 

Also attached below is the proof of payment of the {$250.00} owed paid via my XXXX account. More than 6 months after this payment was confirmed in XX/XX/2020, I received a collections account report on my credit report ( attached as well ) for the exact amount that I have confirmation/proof of payment. 

I attempted to reach out to National Business Factor and the XXXX XXXX XXXX to resolve this issue, and both organizations refused to respond to my requests. I engaged a credit lawyer in XXXX and he sent mail to both National Business Factor and XXXX with months of engagement there has still been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Tri-Counties Accounts Adjustment Bureau
State: CA

Complaint narrative:
On XX/XX/2021 I reached out to the company ( Account recovery services ) and the phone number ( XXXX XXXX ) was disconnected, I searched for a second phone number online and discovered that the business was permanently closed. The account still appears on my credit report for the amount of {$460.00}, however this was paid in full nearly 2 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letters, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: IN

Complaint narrative:
I have submitted multiple letters in regards to fraudulent items being reported on my credit report. My consumer rights have been violated multiple times and I have highlighted the violations within the letters I have sent to the credit reporting agencies. I am asking the CFPB to assist me in getting the credit reporting agencies to block and remove the items in which are fraudulent as well as in violation of my consumer rights.

Company response to consumer: Closed with explanation