vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Westlake Financial reported a late payment on my credit when their online payment system showed that there was no payment due. I had paid a large lump sum of payments in advance that covered several months, but their system showed that no payment was due for that last month of XX/XX/XXXX but yet I still got a 30 days late payment reported. 

I called and told them that their system showed me otherwise and also asked even if I was showed to be running late on their end why wasn't I contacted in any way. They said I was added to their no-call list and I said I gave no authorization to be added to that. All the woman said was that " I somehow must have told someone " yes '' to be added to it '' But I have never spoken to them over the phone since I had started my loan in XXXX. I asked for proof of when I asked to be added to the list and it could not be provided. Nor could they explain why their system showed me otherwise, all the woman said was that " I should have been aware '' They refused to take any responsibility for their shortcoming and I had to unfairly pay the price for something avoidable.

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 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Referencing my previous CFPB complaint # XXXX. On XX/XX/2020, we were defrauded of {$79000.00} via a wire transfer through a Wells Fargo bank account. This complaint has not been resolved with Well Fargo and reports have been filed with the FBI regarding this transaction. 
We recently received email communications from the same fraudulent source that initiated the fraudulent wire transfer on XX/XX/XXXX requesting further funds to be wire transferred to them through another Wells Fargo account. It appears that after the efforts made by me and my bank ( XXXX  ) to work with Wells Fargo and advise Wells Fargo that their procedures and system for opening and administering bank accounts is weak and is empowering criminals to use them for fraudulent activities, Wells Fargo has done nothing to improve their policies and procedures in this regard. I would strongly suggest that the XXXX who regulates Wells Fargo take away their ability to do wire transfers until this problem is corrected. 

Note below, the email and attachment received from " XXXX XXXX '' from " XXXX '' requesting funds to be sent to Wells Fargo account. The actual person is someone from Top Sign Service. How and why can he set up a Wells Fargo account? Why does Wells Fargo allow wire transfers to go through unchecked?

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 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I received a notification from a credit monitoring website that a collections account was added to my report. I looked at the information for the company, Enhanced Recovery Company, and I have never done business with this company. I have no accounts with a company by this name. I'm assuming it's a 3rd party collection company. I mailed out a letter on XX/XX/2021 asking for debt validation from this company. I have not received any information from this company in response to a debt they say I owe. It has been over 30 days and this is still reporting on my credit report and has caused me harm financially. It has dropped my scores and caused me not to be able to attain funding for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I deposited a check in the amount of XXXX on XXXX into my Capital One checking account, it was drawn from the sender 's bank account and the funds entered my account. 

4 days later on XX/XX/10 the funds were removed from my account due to a signature being invalid and now my bank account is negative. 

Calling said they'll have it figured out in 30 days, which is an unacceptable timeframe to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I notified JP Morgan Chase Bank that I was going to receive a wire transfer from the sale of my home and the bank return the wire transfer WITHOUT NOTIFYING ME IN ADVANCE- I followed their wiring instructions with in my specific account posted under all of my account number information, and i notified Chase in advance of the transfer- and they purposely rejected the wire transfer creating a convenient overdraft issue for the sole purpose of obtaining additional fess from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
I purchased a much-needed dining room set at XXXX XXXX store XX/XX/XXXX and since it was about {$610.00} total, I felt {$58.00} deducted twice a month from my bank account by XXXX was feasible. When I phoned acimia on XX/XX/XXXX a rep said that the balance was {$190.00} early payoff. I asked what the amount would be if I paid after the due date and he stated it would be the same. So, after I received my paycheck and was ready to pay off the balance of {$200.00}, I phoned on the evening of XX/XX/XXXX and the recording said I owed {$570.00}!! I phoned the next morning to speak with a rep and wanted to know why they hadn't bothered to send me some type of reminder and he claimed they don't do that! When I phoned again later that day demanding to speak with a manager, the so-called employee calling himself XXXX dared to claim it was my responsibility to remember! The next employee calling himself XXXX blatantly lied claiming they had sent a reminder to me via email and he correctly recited my email address during the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TX

Complaint narrative:
not mine : FCRA violations : see attachment for proof XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
equifax has an account on my report for financial management solutions for XXXX ive sent dispute letter on XX/XX/2021 and didnt get a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was a member of Simple bank, which was backed by BBVA. XXXX stepped in and had BBVA shut down Simple service and forced people to migrate to BBVA. This migration happened Friday XX/XX/XXXX. The company failed to prepare adequately for this large migration of users and their systems crashed. Calls to BBVA customer service do not work as their system hangs up on me. Their online chat also fails to direct me to customer service. 

Their site now states : " If you were able to create a username and password in Online Banking or Mobile Banking, but received a system error message, please try logging in again with your new username and password before restarting enrollment. If you were not able to create a username and password and are locked out, please call customer service at XXXX. '' I fall into the second bucket of users who were not able to create a username and password due to their system issues and am locked out. Again, the phone number they provide hangs up the user once the appropriate options are selected in their menu. This leaves tens of thousands of people without a way to access or manage their funds, or opt out of optional serviced the bank defaulted us into that have associated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
On XXXX XXXX upstart financial ran a unauthorized hard credit check, they did without my permission and told me I signed the authorization which I did not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
I got my loan sent to my checking account from XXXX which is a lender that approved me for a PPP loan to help with my small business, which is a XXXX XXXX. My loan was deposited in to my account on XX/XX/XXXX. When the deposit cleared my account I transferred it over to my savings account. When I went to pay up some bills for my business I noticed that my account was negative. I called the bank and they told me that they put a hold on my funds. The representative told me that he really didn't know much and to call my local bank. I called my local bank and a woman answered the phone saying that she would have someone call me. A man called me, I think his name was XXXX. He said that since my account wasn't a business then they can not release the funds. I am a XXXX XXXX so I do not have to have a business bank account. The bank is holding my funds which I need to help keep my business from going out of business. If my lender approved me for the loan then they made sure that I qualified for it and rather the money was deposited into a business bank account or not those are my funds and I should have access to them. I do not owe the bank money, nor have I ever wrote bad checks with this bank, and the wire transfer cleared into my bank so they should not be holding my funds. This has to be against the law. This is the reason I do not use this bank much and use my other banks because Ive had problems with them pausing my cards when trying to make purchases. I would always have to call to get them to unfreeze my card. If the concern is my balance is low, its because I do not use this account and wanted to keep my money in this account in the savings and use it when needed. I would like my funds released to me so that I can take care of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank served papers to an alleged debt on XX/XX/2021 to my brother that was visiting from out of town. The constable was also informed that he was not me and that I was not home so he didn't want to take it. My brother did not notify me of the papers until a weeks later, which cut into the time I need to inform Citi Bank and XXXX XXXX that I wanted to request a validation of the debt pursuant to 15 USC 1692.

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 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
There is a charge on each monthly statement that shows {$7200.00} as being owed to Mr Cooper but they can only explain about XXXX of it which I disagree with. They tell me the rest is from before they took over in XXXX so they dont know what it is but refuse to remove it from my account. I can only see back to XXXX on my online account access. This {$7200.00} shows back to then and I dont know how much further back. The figure has not changed. I have done their online messages and numerous phone calls over the years and still can not get any satisfaction. They have my interest rate at 7.625 % and each time I try to refinance to a lesser rate they tell me I dont qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Someone else signed for the equipment in my name and they left the equipment any way. 
I wasn't even in the area or in town when the alledge equipment was left. 
I was out of town during that time. This equipment was signed by whomever and left illegally. I do not have this equipment nor should I have this bill on my credit. 

Please remove this off of my credit it is not my bill. Please compare the signitures and you will notice the difference in the handwritings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander XXXX has a lawsuit that was settled I fit the time and criteria for the settlement. I have tried countless times to contact Santander foe this matter and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has a lawsuit that was settled I fit the time and criteria for the settlement. I have tried countless times to contact XXXX foe this matter and no 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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
My complaint is against Freedom debt relief. 
This company has been charging me excessive fees that I was not aware of it. 
I pay monthly {$300.00} and they take only {$70.00} for my debt and they keep the rest as a settlement fees. I called customer service and they were rude and I have gotten 2 different responses in regards my payments. 
I was only aware of a small fee charge for the settlement but what they are doing is completely wrong and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
I started the refinance process on or around XX/XX/20 and the process was moving forward, submitting documents, etc until the processor changed. I never received an update and emailed my processor and loan representative for an update. When I finally received an update the manager of the new processor was supposed to call and never did. I contacted again and finally got a response which she apologized for and stated needed additional documents, which I submitted. Our debt to income ratio was high and I paid off two accounts which based on the information from loan representative put us under the threshold. I emailed again to find out the status and was told the product had switched and the processor still had an issue with the debt to income ratio. My last email was to find out if the refinance was going to happen. I have not heard back yet. This has been a 7 month process with no progress. It has cost additional money every month the refinance has not happened and possibly cost a better rate option for refinance if I move to another company.

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 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Company response to consumer: Closed with explanation