vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 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: UT

Complaint narrative:
I have notified XXXX that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cash Express, LLC
State: TN

Complaint narrative:
I received a letter from The XXXX XXXXXXXX XXXX XXXX XXXX stating that Cash Express LLC has filed a lawsuit against me in XXXX XXXX Tennessee, Docket # XXXX on a old debt. Im on Social Security and I am XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to WELLS FARGO. requesting information on an alleged debt they are reporting and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2021, I noticed an unauthorized transaction of {$120.00} on my Bank of America Credit card ending with XXXX. This transaction was done on XXXX ( reference # XXXX ). I immediately informed Bank of America regarding the same, as well as XXXX. XXXX confirmed that such a transaction was not made on my XXXX account. After a day I received an unsolicited product at my home consisting of 18 kitchen glasses, XXXX confirmed to me that the account from which this order was made has been flagged suspicious and they have suspended the account. They further asked me to keep or dispose of the product which was delivered to me ( but which I didn't order ), I even asked them that I can return the product if it helps in the refund process. 

After a month ( XX/XX/XXXX ), the fraud dispute was rejected by Bank of America, stating that " The merchant provided documentation confirming you received the merchandise or service ''. I explained my case again to the bank and they agreed to reinvestigate, parallelly XXXX told me that this would be handled by the bank. 

After reinvestigating ( XX/XX/XXXX ), the Bank has again denied my claim and its refusing to further act on it. XXXX ( as per my call with them on XXXX, XXXX ) is also not willing to resolve it even though they admit that its a fraudulent transaction, even though I told them that the product is still safe ( after 2 months ) with me and they can pick it back and process refund. 

So someone fraudulently used my credit card on XXXX but neither Bank of America or XXXX are resolving it even though I am willing to return the fraudulently ordered product. The attitude of Bank of America is totally against the Zero Liability that they are advertising.

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 2021-10-04 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
They will not reinstate a fee that was taken for no reason at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I had a debt of XXXX with transWorld systems for several years now. The debt is in accurate and is not mine but because Im buying a home and you aid to get it removed because it was important that I got it taken off my reports. On XX/XX/2021 I called TransWorld systems and was told I can pay to have the debt deleted by An employee named XXXX. I paid the amount and asked for a letter as well for my proof. She stated that she will mail it and I told her I would rather have it emailed. She stated she could fax it instead. I gave her the fax number and she never sent me my proof needed. It is now XX/XX/XXXX the account has been paid for months now and they still have not removed it from my account. Instead they lowered the balance. It is negatively impacting my process of obtaining a home. Please remove this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to COMENITY BANK/VICTORIA. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XX/XX/2021. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
In good faith I sent a wire transfer from my XXXX XXXX  to a Wells Fargo account to pay a builder in Florida on Monday XX/XX/21. On Thursday XX/XX/21 my builder called to inquire about where was the wire transfer. I told him that I wired the funds to the new account at Wells Fargo sent to me by his office. He informed me that he did not have a new account at Wells Fargo. On closer inspection the email instructions with attachments were sent to me by an email address from his company and modified at the end by adding XXXX. I was sent a fraudulent email with fraudulent wire instructions to a Wells Fargo account. My Bank contacted Wells Fargo and they would not provide my bank with any information concerning the account due to " privacy issues with their client ''. Each day the trail gets colder and Wells Fargo told my bank they would get back to them in 90 days. 

I need help - I lost over {$90000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
My first complaint no. XXXX was closed by the company without a satisfactory solution. 
Coinbase received around XXXX BTC of mine from my XXXX  XXXX  in XX/XX/XXXX. 
The above amount never showed up on my Coinbase account, even though the transaction on the relevant blockchain proves that the money was transferred to Coinbase. 
In other words, Coinbase still owes me at today ( XXXX, 2021 ) about {$170000.00}, but they don't seem to care. 
Consumer protection should mean resolving these types of problems in a timely manner while considering the burdens and distress caused to the customers. 
I really wonder how much Coinbase cares about its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: KY

Complaint narrative:
I received a response back from NCB management today XX/XX/2021 stating they had mailed verification documents to my current address on XX/XX/2021. I also called NCB and spoke to a supervisor, XXXX, who verified the address they had on file as well. It has been 13 days. The supervisor stated its regular mail but it doesnt take 13 days to receive mail. I believe this company is not able to verify debt or proper resell documents. If you are, please send certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I had my credit frozen from XX/XX/2021 until XX/XX/2021. I unfroze my credit so that it could be run because I am in the process of renting a property. On, XX/XX/2021 I realized my scores were low and started to read my credit report. I found that there was a Collection Account originated from XXXX XXXX and going through Credence Resource Management for {$840.00}. It shows the account # XXXX was open on XX/XX/2021. This is complete fraud as I never even heard of XXXX XXXX or Credence Resource Management. I was never contacted and my credit was frozen during that time. I have contacted XXXX and will contact XXXX and also Credence Resource Management to report this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
It's really simple. My car is still showing as late on my credit report when in fact it's completely paid off now. Credit acceptance hasn't updated the report since last XXXX I believe. The report should say paid in full. They already sent me the title and the letter showing paid off in full.

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 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

DYNAMIC RECOVERY SOLUTIONS is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

DYNAMIC RECOVERY SOLUTIONS have used abusive, deceptive, and unfair debt collection practices.

DYNAMIC RECOVERY SOLUTIONS have violated my consumer right to privacy, I NEVER gave them any my information directly and DYNAMIC RECOVERY SOLUTIONS has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the DYNAMIC RECOVERY SOLUTIONS civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX  XXXX XXXX and I do not have a contract with PRO DEBT plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
US BANK will not subordinate a XXXX home equity credit so my wife in I can refinance our home. us bank payment is XXXX payment per month, our home payment is at XXXX month. our new home mortgage payment would be about XXXX month. i am a XXXX veteran with XXXX adult biological daughters at home who are XXXX XXXX with the oldest suffering life threatening issue at XXXX weeks of age with among other medical issues suffered a XXXX in layman 's terms. we need to have a lower home mortgage payment. the reason us bank will not subordinate is that we were late on 2 payments in 24 months due to COVID help is needed i have spoken with at dozen or so US BANK employees in the past 4 days who reportedly filed my complaint to the subordination team or have transferred me to another person or given me another phone number to call i have called the Attny General and filed a complaint with this office as well as the Office of Comptroller of Currency. the AG office gave me the information of the Dept of Commerce here in Minnesota who provided me with the CFPB

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My statement balance for my Bank of America card for the month of XXXX was {$150.00} which is due on XXXX XXXX. I requested for a statement credit for the same amount ( {$150.00} ) on XX/XX/2021 and posted XXXX XXXX which bring my balance down to XXXX. To my understanding my balance is XXXX for the period. 

Late XXXX, I received a notification from them that my account is past due and they charged me of late fee. I called them to get clarification and told me that even my balance is XXXX, I still have to pay which I totally dont understand. They want me to pay the minimum balance, which to me is absurd, when they already posted the credit and balance is XXXX. Why are they still forcing me to pay, despite XXXX balance, and now they charged me for late fees. 

I do believed that this action is ridiculous, by forcing a CC holder to pay despite a XXXX balance on the account

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 2021-10-04 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: MD

Complaint narrative:
I am a victim of identity theft since XX/XX/XXXX. The information listed in this complaint, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. These accounts need to be closed out by any creditors and collection activity must cease.

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I have a joint Chase Sapphire Credit Card. Chase permits me to have online visibility to the balance and transactions on the card via online banking. I asked that Chase also permit my wife to see the balance and transactions on the card, since she is a joint account holder. Chase says that their systems permit only one person to have access to the balance and transactional data via their online banking system. 

My wife and I also have joint XXXX brokerage accounts with XXXX for our XXXX children. XXXX permits me to have online visibility to the balance and transactions on the account via their online system. I called today to ask that XXXX provide access to the balance and transaction information to my wife through their online XXXX account system. XXXX says that their systems permit only one person to have access to balance and transactional data via their online XXXX account systems. 

My wife and I believe that both of us should be knowledgeable and have visibility into the family finances. I think that it is crazy that joint account holders can not have online access via their own credentials into the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
Rocket Mortgage ordered an appraisal for my refi application. The appraiser was shady in reaching out to me to schedule an appraisal, changing the appointment multiple times and sending me confirmation texts back to back for odd times. I never spoke with the appraiser or company owner, just the administrative assistant. Rocket never answered my complaints about the appraiser. When the appraiser did finally do the job, the estimate came in MUCH lower than a prior independent appraisal done two weeks before. Rocket Mortgage would not proceed with my refinance, would not hear my complaint, and would not consider ordering another appraisal. I am directing my complaint to Rocket Mortgage and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX, I received a text from Huntington 's Fraud Alert that asked me if I authorized a transaction. I replied NO. I received another text stating they were putting a block on my card until a member contacted me. Shortly after a member contacted me and I was told he shut off my card. Numerous unauthorized transactions continued to clear the account ( XX/XX/2021 XXXX {$89.00}, XXXX {$64.00}, XXXX {$300.00} and XX/XX/2021 XXXX {$230.00} and XXXX XXXX {$200.00} ). I called the next week and was told my card was never turned off but they again would be shutting the card off. I followed all procedures to file numerous disputes with Huntington. The first time, I received a letter stating they determined I made the transactions. I filed another dispute and this time never received any documentation, but my account was still showing the transactions and all associated fees. In XXXX I went to the local branch and filed another dispute and asked for the documentation they used to support denying my dispute. This could not be provided, the banker was as confused as me as to why they could not provide us with documentation. She continues to file another dispute. I have never received any documentation regarding this dispute. XX/XX/2021, I filed a complaint with the XXXX, which they can not help me with, but Huntington contacted me on XX/XX/2021 and said they could look into it again. To date I have not received or heard anything from Huntington. My account continued to be overdrawn by over {$1000.00} until a tax refund went into this account in XXXX. I have been unable to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 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: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Account XXXX XXXX Caliber Home loans still reports the account as unpaid and or late. The account was Refinanced by my Ex Wife. Caliber Home Loans refuses to correct my Credit Report to show that the mortgage was PAID IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account Number XXXX XXXX XXXX XXXX still reports the account as unpaid and or late. The account was Refinanced by my Ex Wife. XXXX XXXX XXXX refuses to correct my Credit Report to show that the mortgage was PAID IN FULL

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 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

SOUTHWEST CREDIT SYSTEMS is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 

SOUTHWEST CREDIT SYSTEMS have used abusive, deceptive, and unfair debt collection practices. 

SOUTHWEST CREDIT SYSTEMS have violated my consumer right to privacy, I NEVER gave them any my information directly and SOUTHWEST CREDIT SYSTEMS has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the SOUTHWEST CREDIT SYSTEMS civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick 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