vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Liberate Debt, Inc. 9156
State: CO

Complaint narrative:
XXXX XXXX  - Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Is a company that claims they " validate your debt '' with the creditor and they settle the debt you pay them to do so. I paid them {$12000.00} to help me settle the medical debt I was being sued for ; credit card debt ; and a couple of loans. 

I want a refund of 3 payments of {$2500.00}. and 1 payment of {$2400.00} ( total {$12000.00} ) as stated from the money you collected from me. I am in the mortgage industry and had a colleague review my credit for home and disputed accounts have not been resolved but are hindering the opportunity in purchasing a home ( from 2017 ). These accounts have just been charged off and you are making money for doing nothing on my behalf. I expect my money to be refunded in FULL immediately. 

It has been over 3 years since I paid the last installment to them and nothing has been resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-05 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:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: NJ

Complaint narrative:
I received a letter about a delinquent loan. I contacted the company and apparently there were loans taken out that were fraudently co signed in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I made a settlement with Kohles so I sent them a check for XXXX dollars. That is what the Kohles lady said to do. I am attaching the front and back of the check to this. 

I did an accord and satisfaction for less than full value but the account still shows a balance on my credit report. it was to be removed but nothing so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2021-01-05 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: Freedom Mortgage Company
State: MA

Complaint narrative:
On XX/XX/XXXX, we sold our condo at XXXX XXXX XXXX, XXXX, MA XXXX. A payoff check was sent by mail, by the lawyer for the buyer to Freedom Mortgage 's payoff department in Indiana. The lawyers name is XXXX XXXX. 

Almost a month later, I received a mortgage statement and call from Freedom Mortgage stating that the loan was still active and they hadn't received my XXXX payment. Upon calling Freedom mortgage, they told me that no payoff check was received. I emailed my lawyer and the buyers lawyer and I received the loan disclosure and the XXXX  receipt showing the check being received on XX/XX/XXXX. 

I called Freedom mortgage on XX/XX/XXXX and they said that it was an internal issue and they would be working to resolve the issue and locate the check. I was informed that because the issue was on their side, they wouldn't send any negative credit reporting information to the three bureaus. 

Over the course of the next week, I called Freedom mortgage each day, sometimes multiple times a day. Within a 48 hour period, I was once told that they didn't have the check, then they found it and sent it back because it was made out to the wrong amount and then when I called the next day, I was told that the check was never received and they were unsure of why the customer service rep told me that it was mailed back. All of these calls can be verified because they are recorded by Freedom Mortgage although not available without a court subpoena. 

On XX/XX/XXXX, I was informed by XXXX XXXX at Freedom Mortgage that the check had been sent back to the office of the lawyer of the buyer of my condo on XX/XX/XXXX because it was not signed. The lawyer for the buyer had moved offices and didn't know that the check had been sent back. XXXX sent me a XXXX receipt. 

The lawyer for the buyer and I then worked with Freedom Mortgage to get the new payoff amount and it was processed on XX/XX/XXXX. 

A few weeks into XXXX, I got an alert from XXXX that my credit score had dropped 114 points because of the late payment. I called Freedom Mortgage and asked them to inform the agencies of how the late payment wasn't my fault and they said they wouldn't. They told me that the error was on the side of the buyers lawyer despite the fact that it took them 2 weeks to figure out they had send the check back on XX/XX/XXXX. 

I filed a dispute with all three agencies and am awaiting their findings.

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 2021-01-05 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-05 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: LA

Complaint narrative:
I was so stress Today, I've sent disputes letter since XXXX2020 regarding to those inaccurate and unknown accounts that I found on my credit report, but they didn't response yet. and those accounts are still on my credit report. I demand that those accounts will be DELETED immediately or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: MO

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2021-01-05 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX/XXXX  I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There was an unauthorized withdrawal from my checking account on XXXX/XXXX/2020, someone impersonated Wells Fargo and text me a link to click on saying that I needed to verify my identity, I clicked on the link and entered my log in information and they withdrew money from my account by using my stolen debit card information at an ATM without my card by using an access code. The first transaction was for {$200.00} and the second one was for {$780.00}, I immediately called Wells Fargo to report the fraud claim within 30 minutes but now they denied my claim and wont refund me the money that was stolen from my account. My claim number is XXXX. Please help me.

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 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
XX/XX/2020 COVID-19 request skip payment ; which I got that was great but I purchased truck XXXX XX/XX/2020 shouldnt have gotten TD customer service tells me after like I should feel lucky no just 1st banking mistake 2nd issue called bank seeking another skip, but wasnt necessary upon getting bill I didnt owe for that month a miracle nope a billing mistake a payment from dealership do to their mistakes now Ive been billed as though I missed a payment and no correspondence by letter of mistake or corrected through contact I am currently 2 months due which looks like 3 please correct entirely late fees credit reporting payment history entire correction any fees or interest added. All documents with amounts are attached. After dealing with your customer service and your resolution department I was left feeling on multiple occasions like youre allowed to back office bill me and that you can do whatever you want and it has negatively affected me so Im hoping that through this channel I will get the appropriate correction Ill be bringing my bill current and I can just move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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:
I have a lot of days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
Wire transfer to my account XX/XX/XXXX & XXXX 2020, thru XXXX {$2500.00} two transaction. After those Coinbase would not let me get into my account either to forward or remove funds. I could not get on line, even change passwords, they froze me out.. When on line for a phone #, call a # and got someone to help me.. He help me to ad {$2000.00}, to my account. I thought he was a employee of Coinbase., after that transaction, somehow he remove my {$4500.00} out of my account.. His name was XXXX his # XXXX. 

Wrote two certified letters to Coinbase, tp XXXX XXXX Chief Excutive Officer on XX/XX/XXXX, and XX/XX/XXXX, and have not heard one word. Finally got a way to get into my account thru XXXX, which show XXXX balance, this was with there help line. 

I feel Coinbase has a responsibility to protect my investment, I never get a any notification funds were moved out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I make payments to M & T bank on this loan through XXXX XXXX 's bill paying program. I use this program to pay almost all my bills and never have an issue except with M & T bank. M & T bank does not credit my account with payments made and then duns me late fees as well as reporting missed payments to credit agencies. This is the second time this has happened which indicates someone is not doing their job. When I contact the lender about the unposted payments, I am told that if I use their bill paying program or website payment process, I wouldn't have these issues. I will refinance this loan with another lender but feel this predatory lending practice should be addressed by the appropriate agency so others are not ripped off by this lender. Churning an account to make fees is highly unethical and illegal. I can submit copies of the attempts XXXX XXXX  billing program made to make these payments if that can be of help.

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 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an auto loan with Wells Fargo. Because of Covid I lost my job and I was unable to pay the monthly payment. I requested grace period of time to make my payments. They gave me 3 months like other financial institutions did. But for my surprise they charged me interest for the whole time. Instead of putting those payments to that end of my loan like the other banks did because of that pandemic. 
The original loan amount was {$27000.00} I owe now {$27000.00}. After I made 6 payments of {$600.00} They charged me {$3500.00} for interest. When that was supposed to be a relief time to pay. That should me illegal. Specially during a Pandemic, they are taking advantage of hardships the clients are suffering due COVID.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The account was closed due to suspicious activity or fraud as they called it on XXXX XXXX so they held my money for 60 days so on XXXX XXXX they told me I would be issued a cashiers check but on XXXX XXXX I was told my money was sent back to the sender on XX/XX/2020 its just so many lies this bank keeps telling me

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 2021-01-05 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Every single time I request an annual credit report from Equifax, They claim to " verify '' my identity by asking me questions on accounts or loans that DO NOT exist. Since I am not able to answer questions on accounts that do not exist, Equifax requires to send them copies of documents giving them additional information on me. Upon supplying them with the " required " documents, a credit report is received which has NO listing of any of the accounts they claim to have existed to " verify '' me. 
I accuse Equifax of fraudulently using this method to collect additional information on consumers, then selling the data. I wish to press charges against them This has happened for multiple years, I have not moved in over 20 years. 

I have tried multiple times to get them to correct this, but they claim there is " a data base error that is common in their system : '' they are unable to correct. 

Another effect of this deception by Equifax is they are intentionally violating the law regarding requesting a personal credit report once a year by consumers. this adds an additional barrier to consumers to get their credit report timely. 
Another effect of this fraudulent activity is a consumer may incorrect feel their credit profile is compromised and are lead to believe their credit file is compromised leading the consumer to purchase unneeded Equifax services. 

A consumer is also blocked from any phone support regarding their credit account unless Equifax fraudulent demands for unneeded documents are met.

Company response to consumer: Closed with explanation