vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XXXX XXXX while using our Bill Pay account with XXXX  XXXX XXXX, we inadvertently sent our mortgage payment of {$4400.00} to an outdated account we had at XXXX XXXX. I immediately realized the error and called Bill Pay at XXXX  XXXX XXXX. The representative informed me that once the button was clicked on the XXXX  XXXX XXXX website they could not cancel or refund the payment even though they could plainly see the error in their system since we had been paying our mortgage payment of {$4400.00} for years on their system. They advised me that I would have to wait several days until the transaction settled. I called back on XX/XX/XXXX and XXXX  XXXX XXXX informed that XXXX was closed for the XXXX XXXX weekend. They advised I call back in XXXX. I did so on XX/XX/XXXX. It turns out that XXXX had apparently declared bankruptcy in XX/XX/XXXX and that all payments were directed to Synchrony Bank. I then spoke to several employees at Synchrony Bank after spending a total 4-5 hrs on the phone with multiple disconnects and wait times ( I believe this was an intentional strategy on their part to discourage me from pursuing the matter ) I was able to speak with a supervisor named XXXX who ostensibly located the deposit after I provided all pertinent information regarding our old account number with XXXX as well as a wealth of personal information. I was assured refund would be received by XX/XX/XXXX. When no refund was received I called back Bill Pay at XXXX  XXXX XXXX as well Synchrony Bank. It was essentially starting all over with Synchrony Bank as they denied an prior knowledge or records despite their constant reminder we were on a recorded line.Someone there named XXXX advised me to wait several more days as " the check was in the mail '' despite not giving me and confirmation number or email with a contact person. After waiting and additional week no check arrived, once again I contacted both XXXX  XXXX XXXX and spoke to XXXX and XXXX at Synchrony Bank who who were unableto provide any additional information. Synchrony Bank continues to hold my {$4400.00} which they are aware is not their money and is not willing to refund what was a mistake of simply pressing the wrong button. As a consequence of this we have fallen behind on our mortgage payment.

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 2021-06-23 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: LA

Complaint narrative:
I've sent in request to have this account XXXX XXXX Master Card, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: LA

Complaint narrative:
I've sent in request to have this account XXXX XXXX XXXX XXXX, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.

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 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I was ask to switch my XXXX by Coinbase. They would not allow me to move my funds unless I did. When did complied and I tried to move my funds they Restricted my account not allowing me to move or sell my funds to retrieve my funds. No reason was given No Customer Support No path to resolution. Nothing. That was over a month ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Equity Settlement Services, Inc.
State: NY

Complaint narrative:
Individual from XXXX XXXX XXXX  ( individual A ) from Equity Settlement Services, Law office of Puleo Delisle , PLLC. was working on my closing documents. There were some documents that needed another partys ( party B ) signature. I told A specifically to separate the documents and to send only those documents that needed Bs signature to B. I confirmed this with A 3 times to make sure he would do that. A said that he would separate and send only the documents that needed Bs signature to avoid any confusion. When I saw the email A sent, it had all the documents in there which had all of my personal and highly sensitive information like my personal bank account which should not have been sent to B without my consent. This is unacceptable. When I questioned A on why he did so he said he can not be in the middle of it. On top of that, A ignored all my phone calls and responded to me through the customer service representative that he wont pick up and cant speak to me about my file anymore. I can not believe how unprofessional and cowardly A is. He should be removed from his position due to his reckless, unacceptable service and the company should be held accountable for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: NM

Complaint narrative:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
On XX/XX/2021, I received a letter from LoanDepot, the company through which I have a conventional mortgage stating that my insurance was expiring. This seemed strange to me since I have my insurance paid through the mortgage company ( the escrow account ). I called LoanDepot on XX/XX/XXXX and spoke to an agent, XXXX, and was told that they paid, but the insurance company, XXXX XXXX, must not have accepted the payment and that I needed to call them directly. She also stated that that LoanDepot called them and was disconnected. They called back the next day to be told the insurance was cancelled. 

I immediately called XXXX and got all the way through and was placed on hold by the auto-voice, then disconnected. I called right back and was able to speak to an agent, XXXX. He had me stay on the phone with him as the mortgage payments department looked at the information. I was again disconnected. I called back immediately and was connected with XXXX. XXXX stated that LoanDepot did not pay the correct amount and even though they were informed of this, did not make the payment that would have kept the insurance, so it was cancelled. 

I called LoanDepot again and spoke to XXXX at XXXX. She put me on hold to get the information from the insurance escrow department. When she came back in the line, she disconnected me. I called back and spoke to XXXX. XXXX put me on hold for 15v minutes. she could not tell me anything. I asked for a supervisor and was placed on hold again. When XXXX came back on the line, she told me that no supervisor could be found and that she would put me on a list but it would take up to 48 hours to get a call back. 

I feel like this is a scam that LoanDepot is utilizing to force people to get insurance through them or a company they are affiliated with for more money. They are not trying to rectify this situation, and now I am trying to find insurance that is affordable, like my other one was, but I am faced with higher rates due to the fact that I am currently not covered, thanks to my mortgage company. My original rate was $ XXXX ; the lowest rate I could find, so far, is $ XXXX. This is a huge difference. 

I ask that this get handled appropriately and economically, for me, not them, so that I am not stuck in a situation caused by them and their ineptitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: FL

Complaint narrative:
I have XXXX XXXX on my credit report, but I have no no knowledge of this account. Please validate in detail and remove 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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am having issues obtaining a score with Equifax and I need one to move forward with my home loan. I have great credit with XXXX  & XXXX  and am authorized onto 2 of my husbands credit cards. I have called both credit card companies to request they report to all three bureaus and they continue to tell me that they do. At this point, all I can think is Equifax isn't reporting my score because of a mistake. I need this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
CREDIT ACCEPTANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$10000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
About 18 months ago I had a freeze placed on my credit reports. For the past several months I have tried to have the freeze removed but to no avail. I do not have the pin numbers for the freeze and the credit bureaus will not accept my answers to security questions even though the answers are common knowledge to me. I have done everything that has been asked of me but the freeze can not be removed according to the 3 credit bureaus. I have not been able to get an application processed for an automobile loan or a housing loan or to be approved to rent housing.

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 2021-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
About 18 months ago I had a freeze placed on my credit reports. For the past several months I have tried to have the freeze removed but to no avail. I do not have the pin numbers for the freeze and the credit bureaus will not accept my answers to security questions even though the answers are common knowledge to me. I have done everything that has been asked of me but the freeze can not be removed according to the 3 credit bureaus. I have not been able to get an application processed for an automobile loan or a housing loan or to be approved to rent housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
I paid off my car loan in XX/XX/2021 and it is still being reported as owing on the account and for an even higher amount than the pay off was. I received the title XX/XX/2021 and am being reported on my credit history as late for the month of XXXX. XXXX and XXXX show no data given by the company. I have verified via the online account with ally that I had that the money was put towards the remaining balance and it showed {$0.00} owed. I opened a dispute with XXXX  and XXXX  and received notice that the owed amount was correct and in excess of the actual final amount. I called ally twice in 2 months and they refuse to do anything to expedite this matter and reconcile my payment with the credit bureaus as being paid in full. My credit has dropped almost 75 points after having made the pay off ... the complete opposite of what it should have done. No one seems to care that my credit is tanking because of this. It is an easy matter to fix and they are dragging their heels while I am personally suffering with these negative marks on my credit history. 

I am submitting a screenshot of my account with ally-I can no longer access payments or statements ( which were online statements to cut down paper ) but it does show I no longer have an active vehicle loan with them. I have also submitted a picture of my title-which I would not have if I still owed any money to ally.

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 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I opened a retail credit account with TJ MAXX about a year ago. I owed about {$75.00} on the account that I paid last XX/XX/XXXX when I requested the account to be closed.

Since then I have been charged a late fee of {$35.00} every month which is not permitted since I owe nothing and repeatedly stated the account had been closed to the debt collector SYNCHRONY BANK which now claims I owe {$220.00}.

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 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I XXXX XXXX mailed a Validation letter to Phoenix Financial Service on XXXX XXXX Phoenix Financial Serv, didn't reply after 5 days of speaking with according to code USC 15 1692 G Phoenix Financial Serv, did not provide validation of debt as requested Phoenix Financial Serv did not cease in their action to collect on a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am a former customer of 5/3 Bank. I closed my accounts with them several years ago. I still receive reminders by email to pay certain bills. I have called them and they have assured me the emails will stop. And then i get another one. I don't want my profile to exist in their database anymore. Their system thinks i am still a customer, leaving open the chance that someone could steal my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX at approximately XXXX EST, I contacted Equafax 's Fraud Department. I spoke to an agent by the name of XXXX ( agent ID XXXX or XXXX ). I let her know that I was calling regarding a transaction I did not recognize on my report by XXXX from XX/XX/XXXX. She told me that she was not able to remove the account. I let her know that I am very well aware of the laws of the CFPB and FCRA regarding removing inquiries that are unknown/unrecognizable. She proceeded to tell me she would not remove it and that XXXX had to remove it. I let her know that I spoke to agents at XXXX and XXXX and that they gave me no issues after they understood my complete knowledge of my rights. She refused to put in a dispute and I was not going to go back and forth with someone who doesn't understand the laws that are part of their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX AT EXPERION CANT ADD, I AM AT LESS THAN 15 % ON OPEN ACCOUNTS HAVE STELLER HISTORY OTHER AGENCY 'S HAVE ME AT XXXX PLUS ARE YOU SLOW OR PERHAPS XXXX TOO MANY BLONDS WORKING???

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 2021-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: NV

Complaint narrative:
DUVERA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Premier Auto Credit
State: CA

Complaint narrative:
In XX/XX/2019, I opened a car loan with Premier Auto. Recently I discovered that they have been charging me an {$85.00} LDW fee every month since XX/XX/2019, despite having continuous insurance coverage on the vehicle. I emailed proof of continuous coverage and received no response. I then emailed several times and called and left messages after in an attempt to get a response and reversal of these fees. Still, no response. My latest statement for XXXX just posted online and there is another LDW fee attached. I have been charged 19 LDW fees totaling {$1600.00}. There also have been several " Other Fee '' charges as well totaling {$140.00}. I already pay a {$7.00} online payment fee with my normal payment of {$410.00}, making the total I pay each month {$420.00}. I would like to know what these " Other Fee '' charges are for and if they are erroneous, I would like them reversed. I also would like a reversal of the {$1600.00} LDW fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have three reps from XXXX XXXX XXXX said there are no fraud charges on my account and the recovery XXXX  said I did which three reps said recover miss gave XXXX XXXX inaccurate information and under THE FARE DEBTS COLLECTED ACT if find to be inaccurate it must be removed I would like it removed and if when someone listen to the tapes of my phone calls you will see my Evidence my phone XXXX I can supply date and times I called

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 2021-06-23 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: IL

Complaint narrative:
Upon reviewing my credit report, I notice accounts on my report that do not belong to me, nor have I authorized anyone to obtain these accounts. 
XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: FL

Complaint narrative:
I have XXXX XXXX on my credit report, but I have no no knowledge of this account. Please validate in detail and remove 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