vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 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: AZ

Complaint narrative:
I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I sent this company a certified settlment offer letter with return receipt and someone from their office sign for the letter. I havent receive any contact from this company in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: NC

Complaint narrative:
This complaint is in regards to our construction contract with Homeside Financial, LLC. We wanted to bring attention to some new discovery we uncovered ( from our original CFPB complaint # XXXX ) that involved some discreet internal maneuvers by Homeside Financial. After more extensive review of the banks documents, it appears at some point after the closing of our loan, Homeside Financial took it upon themselves to alter the construction line items in our contract! Unbeknownst to us, line items ( # 2, # 3 and # 4 ) of our contract were reconfigured on the Project Cost Report to the tune of {$66000.00}! We aren't sure why exactly this was done, but it appears it was in favor of a financial gain to our then, unscrupulous builder. That being said we were never informed of these particular changes to our construction worksheet or even authorized Homeside Financial to do them for that matter. No change orders or correspondence has ever been produced to support these changes to the agreement. 


To say this contributed to our insufficient construction project funds would be an understatement. Considering our then builder was given a construction deposit of {$110000.00} between us and Homeside Financial prior to the commencement of the project, we find it perplexing as to why they would disburse more money without our knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I fell behind on my loan due to my employer shutting down due to covid XX/XX/2020. I told XXXX that I'm temporarily laid off due to covid and not able to pay on my loan. They never gave me options to help. They keep contacting me telling me i have to pay. Even though i keep telling them im not able to at the moment. So eventually i stopped answering. But they keep calling and harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TX

Complaint narrative:
I started a dispute on XX/XX/2021 with Equifax, by law they have 30 days to complete their investigation. Has of today XX/XX/2021 they have not completed their investigation. 

Their behavior is a violation of Federal law. They violated the law by keeping, reporting negative item which was over 8 y old

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
im just trying to fully verifiesd my paypal account and to connect to my acount no. and XXXX .. the day after XXXX XXXX they Hold my paypal account with in 180days .. i can't use it to transact my money XXXX my email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello EQUIFAX, Recently, I viewed a copy of my credit report and noticed some old information that I need removed. I am certain that this account is affecting my credit scores, and denying me of loans that I need for business expenses and costing me too much time and money every year. 

Listed below is the account that I have identified, and want to have removed. 

XXXX I am sure you are aware that my rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I ask kindly that this accounts to be removed from all current and future credit reports. 

Also, I would appreciate if you would please forward me the information of any individuals and or organizations you reached out to so I will be able to follow up with them|on my end. 

I am certain that 30 days is plenty of time for your company to look into this account. 

I believe that under Section 611 ( a ), it is clear that the failure to investigate this accounts within 30 days constitutes a reason to permanently remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
An unauthorized account was opened using Cash App in the name of our employee. The account was determined to be fraudulent. The account used the bank routing number for XXXXXXXX XXXX XXXXXXXX and account number XXXX. The email used was XXXX. This person used fraudulent emails and bank information to request that we deposit the employee 's payroll check into the account. The scammer was quite good and we did not realize it was fraudulent until we had transferred the paycheck on XX/XX/2021 and had {$1800.00} stolen. 

It seems that criminals are using this Cash App and prepaid cards to steal money without having to show XXXX open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have a bluebird American Express prepaid card. 
Someone stole the card number from me and used it to spend over XXXX of my money. 
I disputed this 2 times both times they said they was not going to give me a refund. Then without warning closed the account. 
Now my simulios check. My taxes and my XXXX has no account to go into. This happened a 2 months ago. I just now found you guys and I hope u can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I mailed a setlement offer letter certified with a return receipt to this company and a person sign for my letter from this company. I havent heard no contact with this company in over 30days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a deposit of {$1200.00} USD into Coinbase Pro. The money was taken from my checking account but never credited to my Coinbase account. In the App it says PENDING DEPOSIT and on the website it says PENDING highlighted in YELLOW. I contacted support and was given Case # XXXX, they told me the money was deposited into my account, but this is NOT true. The balance in my account is NOT {$1200.00} and I have not made {$1200.00} in trades so this is not possible for me to have received the money. I need this escalated so they can properly credit my account with my money that they took from my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hey hope you guys can help me in this matter. There were a couple inquiries I noticed on my credit report today that are fraud. I never gave these companies my personal information to run my credit report. They are in violation of the Fair Credit Reporting Act 15 USC Section 1681 for unlawfully obtaining my credit report. I never gave them permission these are FRAUD. I noticed my scores have also tremendously dropped due to these companies non compliance. I tried calling and sent letters and nothing was resolved I have no other choice but to submit a complaint on my end. I also attached an identitytheft report because these are not mine. Thank you for your 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 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
{$11000.00} Simple merged/sold to BBVA on XX/XX/XXXX. Accounts were to be transferred " seamlessly ''. 
Background : With Simple, I utilized the easy app-based toggle-on-and-off " block '' feature on my debit card, unblocking it to use it and then immediately putting the block back on. Once BBVA took over the account, I was not able to use my debit card, which is the only way to access my money. I called BBVA on approximately XX/XX/XXXX. After waiting 1 hour and 15 minutes to have my call answered, and after much continued holding, I was told that because the debit card block was in place during the merge, that the card can not be validated until I [ go back in time to XXXX and ] fax a letter requesting the card to be activated, and include my ID front and back, account number, address, phone number, and the request. On Saturday, XX/XX/XXXX I faxed said request to the provided number and received confirmation that the fax was successfully sent. The same day, I got an email from a BBVA employee in a different part of the company letting me know that the number I faxed to was correct, but there is an error in the system that is sending the faxes to him ; he had notified IT and forwarded all incoming faxes to their BBVA IT department. No change to my account access, so on Tuesday XX/XX/XXXX, I again faxed the request along with a copy of his email. A reply from the same guy!!! Nothing he can do, forwarding to IT, keep trying. 
In the meantime, all of my automatic-pay bills are going unpaid and I have had to borrow cash to pay for gas and food! 
After additional drama navigating BBVAs broken website for transferring funds, involving having to guess at partially obscured fields on the screen and calling my new credit union for assistance with the account number field ( my credit union account has 14 digits but BBVA only allows 13 digits ), I find that it costs me {$15.00} to do an immediate wire transfer with a daily limit of {$5000.00} and a monthly limit of {$7500.00}!! So to get my {$11000.00} I have to PAY {$45.00} and wait more than 30 days. 
I am disgusted with their way of doing business, which seems intentionally set up to hang on as long as possible to my money without providing me information, solutions, or a way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have previously submitted 5 complaints to the CFPB about Wells Fargo Bank. My identity theft caused by Wells Fargo. Deceptive, misleading, and untruthful statements by Wells Fargo. My ongoing investigation has now been moved to the end of XXXX. I have investigator number 15. The has been zero resolution to my case. I have not seen my money returned. Wells Fargo is not helping me. I have never heard back from anyone as to what I should do now. As I researched my problems with Wells Fargo. I see there are 1000s of people experiencing the same issues as me. What am I supposed to do to get this fixed. My emails are still hacked i don't even know if anyone is trying to help me. 
XXXX

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 2021-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Im writing in regards to an account that was used in my name to collect funds that I did not authorize. The company name is WORLD FINANCE CO which was open on XX/XX/2020 for the amount of {$590.00}. I have tried to resolve this with the creditors itself but they have told me to call credit company instead but definitely need this off my report because its not my account as well as other account that was used in my name. Since l lost my wallet in XXXX of 2020 my identity has been breach and credit cards has been getting open in my name as it is affecting me and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I deposited XXXX XXXX ( XXXX XXXX ) from XXXX XXXX  to Binance.US. Unfortunately the memo ID was not included when I submitted the withdrawal from XXXX XXXX  XXXX replied to my support ticket and said there is nothing they can do because the withdrawal was already approved. I submitted a support ticket with Binance.US on XX/XX/XXXX and they still have not resolved my issue, and today is XX/XX/XXXX. It's been over three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union offered investment account which I accepted and opened. Two years ago I closed the account but they keep sending me messages and now they are adding new fees. I went on chat and they said I still had XXXX cents in the account and I needed to login to the account and transfer out the XXXX cents. I told them I did that already twice before and small amounts keep popping back out. I am not willing to do that again nor confirm the account number to send the XXXX cents because I've done it twice already and it could be a phishing attempt. Basically Navy Federal will not let me close the investment account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CENTER, LC
State: MI

Complaint narrative:
XXXX I contacted Mortgage Center of XXXX MI to inquire as first time homeowner. I was assigned to XXXX XXXX loan advisor. We complete the application and many documents were submitted. This process was unique because I already live in the home and I am purchasing from my father. XXXX informed me that my interest rate was 3.750 % I would have FHA loan, No money down, due to equity in the home given as gift from my father. I had to pay for appraisal {$420.00}. I found homeowners insurance $ XXXX year. Then they stop communicating with me. XXXX I was told another application is needed because of the time lapse from first application. So we redid all the wording and i sign a new application. Then I had to resubmit every document sent from XX/XX/XXXX. Time went by nothing XX/XX/XXXX XX/XX/XXXX I was requested to send check stubs and letter stating why I have inquires on my credit report. Then my time lapse with homeowner insurance so the police had to be rewritten, I lost the great deal I had. XX/XX/XXXX request for appraisal. Then nothing XX/XX/XXXX I was ask again to re-sign same documents I sent in 8 times and produce more explanations. Today XX/XX/XXXX I was emailed stating they need me to resubmit a brand new application and my credit need to be pulled again. They are not going to proceed with me unless I have a new application and they have various options for me. 
I feel like they are doing this because I am XXXX and they are not making any money on this deal. I have followed all their guidelines as requested and they refuse to process my application underwriting has sent me through the games and now I still dont have a mortgage at all. I would like so help to shine light on how this company does new home owners and lack of no communication and blame other people in the company for their down falls. Please help me. Now I am forced to take my business else where.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hey hope you guys can help me in this matter. There were a couple inquiries I noticed on my credit report today that are fraud. I never gave these companies my personal information to run my credit report. They are in violation of the Fair Credit Reporting Act 15 USC Section 1681 for unlawfully obtaining my credit report. I never gave them permission these are FRAUD. I noticed my scores have also tremendously dropped due to these companies non compliance. I tried calling and sent letters and nothing was resolved I have no other choice but to submit a complaint on my end. I also attached an identitytheft report because these are not mine. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: AZ

Complaint narrative:
I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action against 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