vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Ingo Money, Inc.
State: PA

Complaint narrative:
Today XX/XX/XXXX i chose to use ingo money app to cash a unemployment check of XXXX . I submitted my check it was approved and all was good until i got an email saying funding failed. I contacted them realize my old debit card on file changed it and their support told me it would be sent there once that card was verified. I get an email saying my funds were sent yet nothinf was in my account. I contact ingo and they inform me they sent it to a paypal i had on file. Heres where its a problem. 1 : i never chose to have it sent to a XXXX  or even had XXXX  mentioned between me and them once. 2 : ill provide a photo showing directly in their app under my payment accounts there is no XXXX  listed. I didnt even remember it was and definitely never chose it.3 : this paypal i no longer have access to and would never of chosen it be sent there. They expect me to contact XXXX  to send it back. I paid an extra fee to have this money sent to my bank account in minutes and against my consent they sent it to an account i didnt chose. They just act as if its not their problem. They went against my consent and my knowledge and sent that money somewhere i won't get back this is ridiculous and i honestly want something legally done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: MD

Complaint narrative:
This second complaint is in correspondence with my previous complaint filed with you on XX/XX/XXXX complaint XXXX. Homebridge financial services inc has not resolved this issue. The tax exemptions department has not adjusted my mortgage payment back to XXXX to date. I have submitted proper supporting documentation along with XXXX city Metropolitan department stating that the error to my water consumption for XXXX was corrected. I have called to follow up with this issue on XX/XX/XXXX And XXXX to get the status and I was left on hold for an extended amount of time and no one answered to give me an update or status to when this will be completed. This is the second month I am left to pay a high mortgage payment of {$1900.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was enroll in Autopay in XX/XX/2021. VS had a glitch in their system and the original payment did not went thru. In XXXX, VS acknowledge that the charges were wrongly applied and reversed some of the charges. In XX/XX/2021 I received a charged of {$2.00}. I call back again to remediate this issue. The representative who took my call ( XXXX ) provide a horrible customer service. The call was done on XXXX at XXXX : XXXX XXXX easter time. I asked her an identification number and she didn't provide one. On top of that she share personal information about my PIN number which is a breach of privacy. I decided to close my account on XX/XX/2021 and would like the CFPB to review my case and get my money back from VS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: FL

Complaint narrative:
XXXX XX/XX/2021 Complaint Against : https : //www.clearpathlending.com XXXX and XXXX Application ( fake number ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Application ( fake number ) XXXX and XXXX Florida Mortgage lender # XXXX On XX/XX/2021 I had asked this company to STOP harassing me. NO means NO I haven't solicited this junk misleading mail, nor I want to do any business with his misleading letters and company. 
This company has target me as per many others veterans. Based on the Consumer Financial Protection Bureau, which issued a consent order against ClearPath Lending, Inc. ( ClearPath. Please read the below statement.

Now Im receiving an misleading envelop, hard to tell where it does come The he envelop stamp reads Presorted Standard US POSTAGE Paid XXXX NJ Permit # XXXX, A misleading a very confused misleading letter with a title RE : Veterans Administration Loan using my name and home address for marketing.

ClearPath sent numerous numerous advertisements for VA-guaranteed mortgages that, among other things, misrepresented the credit terms of the advertised mortgage senior citizens and veterans are being mislead with this type of letters. This company its obtaining my personal information and misused it for marketing. I had ask not to contact me. No I do not want any contact with this misleading envelops advertisements. Why we veterans are being target for this institutions. 

Do not contact me, do not use my name, do not intent to misleading me please, I'm a senior citizen, a United States veteran and a XXXX  you are causing me XXXX  XXXX  being continuously harassed by this companies who are not 100 % honest. 

STOP, remove my name from any branch, any marketing company that do business with this company. 
I will never do any business with a fake misleading company, Please look at this misleading confusing letter, Desire solution : Please do not use my mane and home address for soliciting / junk mail/ not requested marketing. Please Stop ( second request- XX/XX/2021 ) Do not contact me. Im not interested on your business. Remove my name and personal information from your database any other data based that your company submitted y information and your marketing companies.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Two new inquiries on my credit report as reported by Experian through my ID XXXX account. These inquiries were unrecognized by me. These two inquiries were from XXXX Financial Services located in XXXX XXXX, DE for a credit card and the second inquiry was from the United States Business Administration DOA in Texas. The person was applying for a small business loan for disaster relief using my SS #. I contacted the XXXXr Financial Services Fraud department and the U.S. Business Administration and both put a fraud alert on each application. I also filed a police 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 non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
There're discrepancies between what the merchant charged and what the bank charged.

I have attached three files, one for what AFCU charged, one for what the merchant Charged, and one my comparison table showing AFCU overcharged every transaction by 1 %, and nobody at AFCU can explain to me what that 1 % fee is for. There should be no fees because I used a debit card that is tied to my checking account at AFCU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
XX/XX/2021 Better Mortgage 3+ hours of being on hold with ZERO assistance. Nothing like dropping the ball the day prior to someone trying to close on their home. Better sends me a Closing total of XXXX and then XXXX for closing on a XXXX home. LOL. So I tell them it's wrong once and they actually increase it by XXXX additional!! Trying to get on the phone with the people that can assist you is NEAR IMPOSSIBLE! They are ALWAYS out of office or " Out to Lunch '' .. Yeah okay... 

No one is able to help me, I would never recommend this company. 

My closing cost should only be XXXX, not XXXX... I'm not sure what they are doing over there but they don't deserve any customers. They are apparently terrible at math and also terrible at communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TX

Complaint narrative:
I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX  XXXX  and when I am XXXX  my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed

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 2021-09-07 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: CA

Complaint narrative:
I have been unable to login to my.equifax.com for two weeks now. I need to freeze my credit because of a breach elsewhere and Equifax does not facilitate the process. I can understand the website being temporarily being down, but being down for two weeks or more in this day and age seems unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian removed an item from my credit report & recently put it back on but didnt follow the law of notifying me in 5days, thats a violation of 605.

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 2021-09-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX XXXX and when I am XXXX  my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TX

Complaint narrative:
I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX XXXX and when I am XXXX my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed

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 2021-09-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
The DC Department of Unemploymet sent a US Bank Relias Card in the mail for me to activate and deposit my unemployment benefits. The company has not credited a payment of XXXX onto the card, debit it XXXX, XXXX and XXXX for a recurring car payment through the Relias bill pay portal, but none of the payments were received by the car company. The car company says that car payments cant be made with a debit card ; but payments can only be made with an account and routing number. Therefore, several hundreds of dollars are being stolen with the Relias Card .I have submitted a dispute, but have not received a refund.

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 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management continues to contact both me and close family. I learned that today, XX/XX/2021, that a close family member was contacted in regards to an alleged debt. The agent on the phone disclosed information about alleged debt that they are not legally privy to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Back in XX/XX/2021 I was approved for a business loan for {$17000.00} from XXXX  XXXX that was placed in my personal account because around the time I applied for the loan I wasn't able to gain access to my business account due to covid protocols. Once I got my business account debit card back activated with XXXX XXXX XXXX I was transferring my funds from my personal capital one account into my business account to pay my manufacturers for several orders. Before I opened my business account I did all transactions through my personal account and me and my fianc 's XXXX XXXX. When I tried to gain access to the funds Capital One questioned me about where the money came from, in which I told them. They then froze my account and told me that it was under investigation and that I needed to provide documentation and my EIN number supporting my business, in which I did that also. They then told me they would be in touch and never contacted me after I made several attempts to contact them. My loan wasn't through Capital One so I can't understand my I am being taken through these actions by someone other than my lender. I went through a very extensive process to be approved for my loan. why am I being asked to present the same documentation. XXXX has no say so in my approval process. I was already granted that by XXXX XXXX XXXX. No other persons I know with other banks have went through what im going through. obviously all my documents was satisfying to the XXXX XXXX XXXX  and government to grant me the loan in the first place. They shouldn't be able to make their own judgments on my personal loans through a 3rd party. They're only job is to hold and secure all my funds. I have a legit business and should be able to receive the rest of the funds from the loan I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: NV

Complaint narrative:
Last year I discovered a false account with XXXX reporting on my files because of identity theft. I contacted the credit bureaus about this and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute an the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. XXXX and XXXX have removed and no longer are reporting. TransUnion is still reporting. There is no way I'm willing to pay a debt that is not mine.

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 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
SWC stated, SWC will honor Ms. XXXX cease and desist request and will no longer contact her regarding this matter. But they are still indirectly communicating with XXXX regarding my consumer report without my consent. Thats another violation. Not to mention, they said they would honor my cease and desist request, which included my remedy for the damages. I have yet to receive or hear anything. Ive sent emails to XXXX regarding this matter but SWC are refusing to honor my cease and desist entirely. Again, you can not pick and choose what to honor from it. I demand monetary relief for the injuries and I will not stop until I am relieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: PA

Complaint narrative:
On XXXX XXXX, 2021, we received a letter from Comerica Bank addressed to my wife 's maiden name " XXXX XXXX '' at our current address of XXXX XXXX XXXX, XXXX Pa, XXXX congratulating her for opening a new checking account. We also received 5 blank checks and 2 deposit slips to use. Shortly thereafter we starting received letters of insufficient funds and copies of checks that were written to XXXX XXXX from someone by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for {$800.00} dollars. We immediately called the Comerica Bank on or about the XXXX of XXXX to let them know we did not open an account with them and we felt this reeked of identity theft. We received a letter today ( XXXX XXXX ) from Comerica Bank dated XXXX XXXX, 2021, that noted as per conversation with them on XXXX XXXX they confirmed that they closed this account on XXXX XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2020 Multiple inquiries did NOT count as one when applying for finance or even just a pre approval. 

All below, were posted XX/XX/2020 and I had no idea they were supposed to count as One. 

XXXX XXXX XXXX ( two within the same day ) XXXX Jpmcb Auto Cu of Texas -- XX/XX/2020 XXXX XXXX XXXX XXXX ( both in the same hour ) I remember these when trying to get pre approved for an auto loan, and was told they should count as One if applied multiple in the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 Multiple inquiries did NOT count as one when applying for finance or even just a pre approval. 

All below, were posted XX/XX/2020 and I had no idea they were supposed to count as One. 

XXXX XXXX XXXX ( two within the same day ) Coaf XXXX XXXX XXXX XXXX XXXX -- XX/XX/2020 XXXX XXXX XXXX XXXX ( both in the same hour ) I remember these when trying to get pre approved for an auto loan, and was told they should count as One if applied multiple in the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: GA

Complaint narrative:
On XX/XX/21, I received an email from XXXX XXXX, representing TrueAccord, XXXX  XXXX  and XXXX XXXX XXXX  for a credit card debt. I immediately sent an email disputing the debt and demanding validation. I received a response on XXXXthat all collections would cease until I received the validation. On XX/XX/21 I received another email demanding resolution of debt prior to be turned over to a lawyer. I still do NOT have the validation and it is showing on my credit as an open collection vs. a disputed item. I want this removed from my credit report, the debt balance to be voided out and a letter proving this has been completed. If not, I will be seeking legal counsel to assist in filing a lawsuit for the violations of the FDCPA and FCRA for not providing proof of the debt, harassment, and attempts to collect such debt.

Company response to consumer: Closed with explanation