vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: VA

Complaint narrative:
It was in XX/XX/XXXX I took a personal loan with the following XXXX XXXX XXXX XXXX XXXX Plan Loan & Saving = {$4000.00} Amount granted to my account = {$1500.00} Total Payments I made = {$2200.00} [ Earlier than expected - in 10 months I paid this amount ] Then They sent me a statement applying the total payment as follows : 1 - Loan of {$1500.00} settled with interest, which means total payments applied {$1900.00} fully covered the loan amount they credited to my account [ {$1500.00} ] and interest [ {$450.00} ] 2 - Amount Applied to Savings [ {$2300.00} out of {$2500.00} ] Then At the beginning of XX/XX/XXXX, an unknown company [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me an email for which my Seedfi account had been transferred to them with out my prior knowledge. Something Phishing! started over. 
Then I tried to check my account and statement at Seedfi account login - their system shown no Seedfi info available. They deleted the whole information and vanished. 
Then I responded to the emails of XXXX  and expressed my disappointment and the balance they requested me. They said still I owe them the above savings grow plan. I informed them clearly with all my payments and the initial amount of loan credited to me as follows : Finally, I requested cancellation of my savings plan and refund of my hard earned savings balance i.e. {$280.00}. 

NO RESPONSE REACHED ME TO THIS DATE. 
Then An email from SeedFi resurfaced and requested further payment {$200.00}. For what???? 
Then SeedFi grabbed all my savings {$280.00} and asked me further charges of {$37.00} in effect they took {$320.00}. 
Now I suspected totally a phishing and scam activity committed by these companies : - SeedFi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a fraud transaction in my bank account, I bank with well Fargo.This transactions was occur in XX/XX/XXXX and XXXX 2022 and the total amount is {$13000.00} which I called the bank immediately I found out, they blocked the debit card immediately and issued me another debit card and they told me it will take 10 business days for them to review the claim on the account. Surprisingly, I didnt get a call from them and I decided to call the claim assistant myself .which I was told my claim is been denied and I ask the claim assistant why, he told me he will mail me the letter of reason of denied, and I said ok I will be waiting. 
Surprisingly, I got the letter in my mail but I didnt see or understand why the claim was denied. Am frustrated, I dont know what to do, I didnt use my debit card for such amount of money. Please help me out

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 2022-12-30 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: NJ

Complaint narrative:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged charge off account from XXXX XXXX BANK that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a notice to the creditor requesting for a 1099-C form but they failed to provide me this, so this reported information is not only invalidated but inaccurate because I can only assume they are violating federal law and committing tax fraud if they didnt file and Im ready to report them to the IRS for violating IRS regulations.

Even if they did file the 1099-C form, it doesn't matter, because regardless this information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX and TransUnion is participating in fraud with XXXX XXXX BANK and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer 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 2022-12-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX charged my Bank of America " Unlimited Cash Rewards '' Visa credit card {$5700.00} and I have requested a total refund from XXXX XXXX XXXX of the XXXX Billing Department and I have received NO services or merchandise from XXXX ; XXXX XXXX replied that he would be willing to authorize this refund to delete this charge of {$5700.00} to my credit card, but that he has NOT yet received any money from Bank of America and there is nothing to refund since XXXX has NOT received any of this money from Bank of America and that this amount of {$5700.00} should be removed from my credit card 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 explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I made the mistake of doing 3 big ACH transfers to Coinbase ( $ XXXX each ) back to back3 days in a row. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. Coinbase accepted these payments no issue with out warning that my funds could be potentially locked up. ACH funds were stated to be available in 3-5 business days. I even got emails saying that these funds were now available for withdraw. My intention was to transfer off-chain as soon as possible, since I don't trust centralized exchanges anymore. 

It first started as a 14 day freeze, as they reviewed my " intentions '' They asked the following questions- Please explain your intended use of your Coinbase account - why did you sign up for Coinbase and what do you intend to use Coinbase for? 
- Were you directed by a third party to create the account? 
- Were you directed by a third party to transfer funds? 
- Does anyone besides yourself have access to your account, or account credentials. 

After responding I was told I would receive a response in 14 days Today I checked in with support and now my account is restricted until XX/XX/XXXX!!! 60 days from now! That's absolutely absurd, I've been given no reason as to why this happened. They can't speak about the details due to " security reasons. '' The exact response was " We've determined that your account is currently not eligible for a review at this time. However, you can contact us after [ XXXX ], and we can submit your account for a review at that time to lift the restrictions from our end. " So effectively my money is held hostage without the ability to link bank accounts, or close my account due to having a balance that I can't transfer. Account restrictions forbid adding deposit and payout methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
Waypoint is affiliated with XXXX and has reported that I owe an illegitimate debt of {$200.00} to all three credit bureaus for unreturned equipment. XXXX and XXXX have conducted an investigation and have both deleted the collection from my report. XXXX was also disputed but did not remove the collection from my account. I filed a second dispute ( both times providing documentation of the returned equipment ). I requested that this company provide proof of the debt but they have not produced any information to date. This is a erroneous claim that was settled well over 2 years ago and should not be suddenly popping up out of thin air and damaging my credit.

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 2022-12-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal from my credit 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 2022-12-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account I have for XXXX  and XXXX XXXX on my report don't belong to me and I told the company that it was fraud and nothing is being done. 

XXXX XXXX XXXX XXXX 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 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Receive pre approval letter, aimed at XXXX workers, I have perfect payment history, has pre approval code and everything, went to apply and was denied. This is misleading and now the inquiry has shown up on my credit report, Im angry at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NM

Complaint narrative:
On XX/XX/2022, I spoke with XXXX XXXX of XXXXXXXX XXXX XXXXXXXX about paying off my balance of {$690.00} ( {$680.00} from my XXXX bill plus interest ). 

I do not know why I was even sent to this collections agency. I paid every medical bill I ever received. They said I had been sent to them by " Pinnacle  XXXX XXXX, LLC, '' a group of ER physicians that I had never heard of or received a bill from. Not knowing what else to do, and being told by in an earlier call that my credit was going to be damaged, I decided to trust their legitimacy and pay the balance. 

XXXX told me that if I paid it all that day, I would receive a 25 % discount. I accepted, and I made a payment of {$510.00} ( auth # XXXX ). 

In XXXX, I was surprised to receive a bill for {$170.00}, but when I called, I was told that the balance would be adjusted off due to my payoff the month before and to disregard the bill. Over the next 8 months, I received regular phone calls from XXXXXXXX XXXX XXXXXXXX, some in person, some automated, telling me that I had a debt that needed to be collected. My extensive XXXX treatments have strongly affected my memory, and I didn't remember dealing with them. I asked that they send me a paper bill and a record of the services I had received each time they spoke to me. They never did. 

Finally, in XXXX of 2022, I received a notice stating that I had been unreachable by phone and threatening that they would soon " have no choice but to proceed with further collection activity. '' This bill showed a balance of {$170.00}. I immediately called, and on XX/XX/2022, I spoke with XXXX XXXX, who assured me that if I made a payment of {$170.00}, it would resolve my balance and close my account with them forever. I made the payment. 

Later that same month, I received another bill with a balance of {$.00}. I called them on XX/XX/2022 and spoke with XXXX XXXX, who told me that the {$.00} would be adjusted off and to disregard the bill. That was the most recent interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Closed accounts are still on report even though other credit bureaus claimed it was removed, such as lending XXXX, XXXX, XXXX XXXX, and car loans. Also investigations coming back with different responses.

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 2022-12-30 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:
Closed accounts are still on report even though other credit bureaus claimed it was removed, such as XXXX XXXXXXXX, XXXX, XXXX XXXX, and car loans. Also investigations coming back with different responses.

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 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortgage company is Freedom Mortgage. I have 1 day lapse insurance. it triggered to open an escrow account and enforcement insurance place. I took care of it and paid for that day lapse. Provided all my insurance informations showing that I have coverage from XXXX. They mailed me a letter saying that they were able to cancel the enforcement insurance but the payment still reflect in my statement. They still charging me {$57.00} inbound. I have numerous times and the representatives were clueless. They tried to do analysis and research, they keep telling me to call back 7-10 days to see the updates. It has been like this for months. I am so tired of this company. Ive put everything in writing and fax over to the escrow department saying that I want to purchase my own insurance and ask them to close it. I also emails and begging for me but they wont do anything. Can anyone help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDLENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I've been disputing this account for over two years. This account is reporting wrong and misinformation. This agency has not validated any of this information in any shape or form. And this agency keeps reporting this wrong misinformation to credit bureaus without any written or signed authorization from me. I have never given this agency any written or signed authorization to report any information concerning me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: IN

Complaint narrative:
I've been disputing this account for over two years. This account is reporting wrong and misinformation. This agency has not validated any of this information in any shape or form. And this agency keeps reporting this wrong misinformation to credit bureaus without any written or signed authorization from me. I have never given this agency any written or signed authorization to report any information concerning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Talked with Chase Mortgage account person about dropping PMI back in XXXX 2022. Was informed I would need to have major structural repair completed, fill out a form categorizing and describing each major structural repair, than mail in a check for {$150.00} dollars with the form to start the process to get a new appraisal completed to drop PMI. I have completed the Major Structural Repair new roofs on Home, Woods shop, Garage, Guest House, Art Shed, & Storage Shed. Along with several other repairs completed. Filled out the form and mailed in a check with for {$150.00} dollars with the form describing exactly what I was requesting with the funds. Unfortunately after 60 days Chase only refunded the funds and never contacted me to confirm a new XXXX appraisal was ordered. I have completed my portion to get this dropped but the company has not fulfilled their side or promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX, I have a question do Carmax participates in truth in lending? 
If so persuant to 15 USC 1662B & 15 USC 1635, when making a consumer credit transaction, NO cash can be exchanged after I have extended my social security number and extended my credit which covers the entire transaction amount ( FINANCE CHARGED ). Its illegal for Carmax to charge me a down payment of {$5000.00}. Thats fraud. I have a copy of these violations on the attach highlighted in color Yellow. Which clear states the violation several times. 

Reference case XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX ) page XXXX U.S. 551 Nothing can be more material to the obligation than the means of enforcement. Without the remedy, the contract may, indeed, in the sense of the law, bale said not to exist, and its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual. The ideas of validity and remedy are inseparable, and both are parts of the obligation, which is guaranteed by the Constitution against invasion. The obligation of a contract is the law which binds the parties to perform their agreement. 

Because of what appears to be lawful command on the surface, many Citizens, because of their respect for what appears to be law, are Cunningly coerced into waiving their rights due to ignorance. XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX ( XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, I received a text message from Bank of America stating, " < # >BofA : DO NOT share this Sign In code. We will NEVER call you or text you for it. XXXX XXXX. Reply HELP if you didn't request it. '' I also received several emails regarding a newly opened bank account with associated applications pending and approved. I called Bank of America and began a claim to close this fraudulent account. My social security number was used for this account, as well as my maiden name. However, my address was not utilized. I want to ensure my identity is not stolen and my credit remains intact.

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