vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Lending Club Corp
State: CA

Complaint narrative:
1. Initiated international wire transfer to a brokerage account overseas on XX/XX/2021 2. Duly filled all necessary documentation with XXXX XXXX ( now aka Lending Club ) 3. I received the docusign, verified by the bank, stating {$3100.00} was wired to XXXX XXXX XXXX XXXX in XXXX and XXXX, XX/XX/2021. I paid the wire transfer fee of {$40.00}. 
4. I transmitted the docusign as receipt to my beneficiary : XXXX XXXXXXXX XXXX XXXX ( XXXX ) 5. After about one week I enquired of XXXX why my trading account had not been credited. I was informed by XXXX that their bank ( XXXX XXXX 's ) had not received the funds. 
6. I contacted XXXXXXXX XXXX severally after this, by online chat and by phone : a ) They acknowledged the funds had been withdrawn from my checking account b ) The bank assured me the wire had been successfully sent. 
7. The beneficiary requested for a form -- XXXX XXXXXXXX - so they could pass to their bank for further investigation. 
8. I have requested the said form from XXXX XXXX for several weeks now but the story is the same : they will email it to me. 
9. lately, XXXX XXXX  seems to dismiss my status update request with : when we have more information we'll contact you. 

Now, I just want to know 1 ) Was the wire sent? 2 ) can I have the XXXX form. 

Note : I have successfully used this bank ( XXXX ) on more than 7 occasions in the past, funding my trading account at this same broker via same bank ( XXXX XXXX XXXX ). 

XXXX/lendingClub should be aware that my trading account has suffered due to this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: PA

Complaint narrative:
Dear CFPB, On XX/XX/2021, I received a vendor credit to my old Chase Southwest Rapid Rewards Visa Credit Card in the amount of {$1500.00} ( related to cancelled vacation plans due to COVID ).

I had closed that credit card approximately 18 mos. ago ( unfortunately, I do not have the full account no. to that closed card ... only the last 4 digits ).

I've tried repeatedly through phone calls and letters to Chase to track down the refund amount by providing them with all pertinent personal info. ( ss #, dob, address, phone no., copy of vendor 's reimbursement receipt, etc. ) and have them send the money to me via check. I understand that even though my credit card account is closed, Chase must by law maintain records of my old account for many years.

I have been extremely patient the past three ( 3 ) months in hoping for Chase to do the rigth thing, locate where the $ resides in their systems, and send me a check for the full credit received on my old credit card, or at a minimum, let me know a date certain by when I may expect payment. I provided Chase one last opportunity to resolve this matter via a letter dated XX/XX/2021 ( please see attached ). To date, I've received no response to that letter. 

In my discussions with the vendor, they are resolute in their position that they have properly reimbursed my card and that the reimbursement was accepted by Chase. Thus, they can not do anything further for me, or they would run the risk of making double payment. 

The ball is squarely in Chase 's court to satisfactorily resolve this matter. 

I respectfully seek your assistance in obtaining my money from Chase. 

If you require any further information, please do not hestitate to let me know. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. I want this removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Hello, This is a complaint about LoanCare LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX https : //www.myloancare.com/pub/index.html # /Login I have been trying to make a loan payment Online, but their online payment system is preventing me from making a payment. I have called customer support multiple times, but they have been unable to accept my payment. They never respond to my repeated inquiries telling them that their payment system is not working for me. They do not get back to me so that I can make a payment, and now if I send a payment by snail mail it will be late. I have an agreement to come out of forebarence, but all this is preventing me from making a payment. 

Their automated voice system leads people down paths an incorrect path, so that they have difficulty reaching customer service and prompts people to leave a message with the company. Only by choosing an incorrect option was I able to reach a person. On XX/XX/XXXX I was on hold for over 30 minutes just to reach a person. That customer service agent was not able to process my payment - she said the system wasn't working for her to push my payment through, and had to get a supervisor involved to figure out how to accept a payment over the phone. I don't expect to hear back from them, and she could not give me her direct phone number so that I could contact her later. 

Their accounting practices appear to be incorrect often. I had a support ticket out for 3 months ( starting XX/XX/XXXX ) to resolve an issue where I had made a payment of {$12000.00} toward my mortgage loan. On XX/XX/XXXX I paid {$12000.00} toward my mortgage which was classified as 'other '. I saw on my account showing XXXX payments of {$3200.00} each toward 'principle ' which adds to {$9600.00}. This left {$2300.00} un accounted for. No one ever responded to me to resolve the issue. I checked today ( XX/XX/XXXX ) and there appears to still be {$98.00} unaccounted for. 

Something fishy is going on over there, or at the best complete incompetance and these people should not be handling our money if they can not keep track of where it is.

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 2021-06-28 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, I made a payment to cover my XX/XX/XXXX payment. I made it through Chases automated system as I have done since XXXX of XXXX. I used the same account information and the automated system said do you want to use the same account ending in XXXX. I said yes, got my confirmation number and thought everything was fine. I went to pay my XX/XX/XXXX payment through the automated system and it asked me for my full checking info. I thought it odd and spoke with a representative before going further and they told me my payment I made on XX/XX/XXXX never went through. I had no knowledge or notification prior to this. The representative stated from Chase apologized profusely and said it was Chases error and would NOT be reported to the credit bureaus. I paid both XXXX and XXXX at that time. Now, through a credit alert I have, Ive found out they did in fact report me delinquent to the bureaus. I called today to speak with someone and spoke with XXXX and then a supervisor XXXX. XXXX tells me that the bank account information I have been using in their automated system for over a year and have been confirming ONLY the last 4 on their system has magically changed and it somehow had XXXX listed in the beginning of the account #. That because of this it was not THEIR error and could not remove. If I had entered the entire account #, I could see this but nothing changed and I confirmed the last 4 that they maintained on file for my checking account. So NOTHING changed. I feel this was reported inaccurately and has caused me harm as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Bought furniture from Mor Furniture Financed it through TD Bank made all timely payments made final payment on XX/XX/2020 Our credit report still shows an outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I submitted a complaint on XX/XX/XXXX regarding a dispute that still has not been resolved. On the XXXX of XXXX I received an email stating my accounts were closed. I went to the bank and was told my account is under investigation since I filed a complaint with CFPB and I couldnt get my funds until the investigation is complete which could take up to 90 days! So they close my account with ALL of my money in them and then wont give me my money. So how do I survive with NO MONEY AT ALL! Capital one didnt list a single thing wrong with my account only that I filed a complaint with CFPB. I havent even had overdraft fees on this account Capital one is upset about my complaint and retaliation against a consumer is not ACCEPTABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: SC

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: EQUIFAX, INC.
State: OK

Complaint narrative:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: FL

Complaint narrative:
Upon checking my credit in XXXX XXXX discovered someone used my information to credit and get medical care. Ive sent letters request validation to XXXX Equifax & XXXX. All 3 Credit Bureau ignored my request. With is a Violation of the FCRA!! I also asked for an update credit report via us mail and nothing was ever sent to me, with is another violation of the fcra!! Will attach ftc report and 605b letter dated XX/XX/21!! THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX {$1700.00} / $ XXXX {$500.00} Ive never done business with this company or entered into a signed contract! XXXX XXXX also add this items to my XXXX  file after they had been deleted without giving proper 5 days notice. This account is fraudulent and needs to be blocked!! Per fcra 605b. 
2.XXXX XXXX XXXX {$350.00} Ive never done business with this company or entered into a signed contract with this company. 
All accounts are fraudulent accounts and needs to be blocked from my credit file. Per Fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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
State: MI

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. It is impossible to get in contact with PayPal as they do not pickup their phones or answer emails. I was running my business without incidence when PayPal decided to shut down my account. I received a payment of {$16000.00} at one point, and I called PayPal because they would not let me withdraw. After the customer service agent accused me of selling drugs and engaging in illegal transactions ( I am a LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), he ultimately allowed me access to my funds, but continued with shutting down my account. Clearly, as I have stated on the phone, I only sell LEGAL merchandise and am legally licensed to sell in the state of Michigan. I've also filed a complaint with the XXXX XXXX XXXX quite some time ago and have not heard back from PayPal. The email address associated with my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The bureau have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I recently received a notice from TCF bank stating that my account had a balance of XXXX, and was being close. Upon inspection I see that they have been charging me a dormant account fee, depleting the balance of the account, and then running it negative. 

This is a local branch I use for cash exchange, and given COVID I have not had a need to go in. I received no notice of this account being dormant, or that fees were being taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent in a copy of my ID and social security card. I explained I need my personal information updated to reflect my name and address in my driver license due to the fact I feel I may be subject to identity theft. My name is spelled about 5 different ways on my report which is incorrect. I just received a copy of my report and the incorrect information is still on there. I sent in the information abut 30 days ago.

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 2021-06-28 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: GA

Complaint narrative:
The bureau have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2021-06-28 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:
The bureau have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent in a copy of my ID and social security card. I explained I need my personal information updated to reflect my name and address in my driver license due to the fact I feel I may be subject to identity theft. My name is spelled about 5 different ways on my report which is incorrect. I just received a copy of my report and the incorrect information is still on there. I sent in the information abut 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft DEPT OF ED Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Hi, Fay Servicing is my current loan servicing company. I am trying to refinance my mortgage with another company and Fay Servicing is refusing to turn over the collateral documents for months such that now I either pay a penalty to extend my interest rate or forgo XXXX and pay about {$5000.00} in extra taxes. I have emailed them and they do not respond. I called and left a message with a loan officer and I have not gotten a response. Can you please help? Thank you.

Company response to consumer: Closed with explanation