vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I have spent 3 months trying to contact Gemini, I'm sick of wasting my time. They have locked my account and have not sent a response to my many emails during this time. I have never experienced such poor support from any company before. 

Gemini 's website https : //www.gemini.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I made a charge to my Suntrust debit card ending in XXXX in the amount of XXXX. The charge was for a ticket purchase for XXXX XXXX, and the payment was transacted through XXXX XXXX on the same day. I received a confirmation email on XX/XX/XXXX from XXXX XXXX that my order was placed and received my tickets via email on the same day. 

On XX/XX/XXXX, I was advised the show concert was cancelled, however, I should hold on to the tickets and I would be notiified when the concert was rescheduled. 

On XX/XX/XXXX, I received a email from XXXX  XXXX  advising the concert was cancelled and I would receive my refund through the original purchaser, Pay Pal or XXXX XXXX. 

On XX/XX/XXXX, I replied back to the XXXX XXXX email advising them that my debit card ending in XXXX had expired and to provide guidance around what would be the next steps. To date, I have not recieved a response. 

On XX/XX/XXXX, I received a email from XXXX XXXX that the concert was cancelled and " my refund was processed to the original method of payment used attime of purchase on XX/XX/XXXX. You should see this post to youraccount within the next XXXX business days. Refund details, includingwhich method of payment has been refunded, and the amount refundedcan be found by logging into your XXXX online account andclicking on your order. '' I have made attempts to remediate these issues with XXXX XXXX, XXXX XXXX and Suntrust ( now Truist ). Suntrust advised me that they were unable to locate the transaction, hence, I would not be able to dispute it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I reached out to Capitol One in an effort to have the interest reduce that attempt was unsuccessful and has subsequently caused undo financial hardship for me and my family. I have made payments in excess of the minimum amount required which has not been beneficial in any substantial way in reducing the credit card balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I had originally taken a loan of {$500.00} from MoneyLion on XX/XX/XXXX. This loan is showing on my credit report as XXXX XXXX but this loan was paid off. The way MoneyLion works is that you have to pay your Loan off to get another one. There is another Loan on my account that was issued on XX/XX/XXXX for {$500.00} which shows XXXX XXXX XXXX XXXX  No one at MoneyLion has been able to provide me an explanation on how I was able to obtain this loan without paying the one in collections from XXXX, XXXX. They have not been able to provide any loan documents or statements regarding the loan from XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and needs to remove XXXX : XXXX XXXXDate of Inquiry : XX/XX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
i received a letter from mr cooper dated XX/XX/2021 saying that they put my last payment in an unapplied funds account bc they were insufficient to b applied as a full payment. this is not true and is the same amount that i send every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Freedom Mortgage Company
State: TX

Complaint narrative:
I have a 30-year VA mortgage that is owned and serviced by Freedom Mortgage since XXXX. I have consistently made all my payments on time from a specific bank account ( bank account # 1 ) by EFT initiated through the Freedom Mortgage website. In XX/XX/XXXX, I switched to using another primary bank account ( bank account # 2 ). I added this bank account to my online profile with Freedom Mortgage in order to make my XX/XX/XXXX mortgage payment. I made the payment for my XX/XX/XXXX mortgage payment through Freedom Mortgages website using bank account # 2. Rather than pull the funds from bank account # 2, Freedom Mortgage repeatedly tried to pull the funds from bank account # 1, which resulted in me receiving overdraft fees from Bank # 1. I logged into the website again and initiated another payment for the XX/XX/XXXX mortgage bill and requested to pay it from bank account # 2. I waited four days and Freedom Mortgage did not pull the funds from bank account # 2. I called them to inquire into the issue and they agreed to refund me the over draft fees charged by bank account # 1. A few days later, they finally debited the funds for the XX/XX/XXXX mortgage payment from bank account # 2even though I had repeatedly requested that they debit the funds from the account. A few days later, they reported me delinquent to the credit bureaus, even though I was not and had consistently been requesting to pay my mortgage payment from bank account # 2. I called them the same day and spoke to someone in the escalations department. She reviewed my good payment history and spoke to her supervisor. She agreed that the error appears to have been caused by Freedom Mortgage repeatedly attempting to withdraw the payment from bank account # 1even though I ( the customer ) had made repeated requests to pay from bank account # 2. She agreed that Freedom Mortgage would send corrected information to the credit bureaus that my account was not 30 days delinquent because the delinquency was due to their own processing errors. It has now been 8 days since Freedom Mortgage agreed to send the correction to the credit bureaus and that has not been completed. I called their customer service number earlier today, and after waiting on hold for 35 minutes, the agent explained that task was closed without being completed and she initiated a request to reopen it so that my credit information can be updated as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I ported my phone number out of XXXX to XXXX XXXX and I contacted XXXX to ensure that I was clear about having paid any money to them and they said all of my obligations to XXXX were paid. Approximately 3 month later I received a notification telling me that I owed money to a collection agency telling me that they were acting on behalf of XXXX and I had to give them money or they will impact my credit rating. This is important to me because I have had problems with XXXX regarding this issue. XXXX said that they remove the claim and I forgot about my complaint. I am receiving phone calls and letters demand payment for a debt that I don't owe after they said that they were going to cancel the claim of debt. The latest number to have called me is XXXX. Please help me with this Sincerely, 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 2021-09-28 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$0.00} XXXX Original Creditor : XXXX XXXX ) XXXX {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Sent Carrington Mortgage request for mortgage assistance because I have been affected by Covid-19. Spoke with Carrington Mortgage customer service XX/XX/2021 was told my mortgage assistance request was in processing and no other document was needed at the time. received property foreclosure letter from foreclosure attorney saying sale date for my home is XX/XX/2021 and my loan was sold, and my new servicer was XXXX XXXX. I have not received a letter from the new servicer or Carrington stating who my new servicer was. I haven't received the accelerations of debt letter from Carrington Mortgage or a denial letter for the mortgage assistance request. Recently submitted all requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
I am a XXXX  and attend an out if State university that is 1000 miles away from my home of record. I have 2 issues. In the past, XXXX  has charged me for my statements. I am a XXXX XXXX with not a lot of money. They are preying on XXXX. I stopped by and spoke with the branch and they wouldn't replace the money they stole from my account. 

Issue 2 - my debit card was expiring at month end XX/XX/XXXX. I contacted them several times for a replacement. Last time i called they closed my current card down 2 weeks before it expired. I am without a card and no access to my funds as I am out of state with no close branch. They were supposed to ship another card to my address in college in XXXX  and instead they sent it to my home address in XXXX  ( 1000 Mile 's away ). My father who is on the account and I both called them over the weekend and they assured it was shipped to XXXX  and was supposed to be there on the XXXX and showed up in XXXX  on XX/XX/XXXX. They are a horrible bank that preys on the young. Even though they verified both my and my father 's information, they were not very helpful on the phone and refused to confirm where they shipped it to ( they made us say the address and then said yes that is where it went- it did not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I was forced to renew my mortgage at nearly TWICE the existing rate and pay fees that were not applicable by : Rushmore Loan Management Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Tel # XXXX My original XXXX XXXX XXXX XXXX XXXX agreement allowed me to renew my mortgage every XXXX years at a rate equal to the present 30 year mortgage with no fees. The present 30 year rate is plus or minus 2.87 %. The agreement and practices of XXXX XXXX XXXX XXXX have been deemed illegal in a class action lawsuit resolved in XX/XX/XXXX. I would think enforcing any illegal predatory lending practices across state lines would be a felony. Since XXXX I have been renewing my mortgage at or about 3 % without issue. I never agreed to having my mortgage sold or transferred. I am XXXX XXXX XXXX, a XXXX XXXX and was unemployed for a period during the XXXX year due to the Covid Pandemic. I can not afford to have my mortgage payment more than DOUBLE. I can not afford the illegal fees being imposed on me by Rushmore Loan Management Services. I have complied with Covid regulations and XXXX XXXX XXXX  I have complied with their demands but deem them illegal. 

Documents can be provided upon request. 

Rushmore needs to renew my loan at or about 2.87 % with no fees as was the practice since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: CA

Complaint narrative:
There are UNAUTHORIZED inquiries on my credit report that must removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
This morning XX/XX/2021 I woke up to a loan taken in the moneylion app and my payday loan maxed out. I was signed up for a monthly subscription and can not cancel until I pay off the fraudulent loan. I called customer service and they changed my email and phone number but now I can not log into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 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: Porania, LLC
State: NY

Complaint narrative:
thes accounts are not mine. please remove it. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

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

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

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

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

Company response to consumer: Untimely response
Consumer complaint received 2021-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
After my parents passing, I got an assumption modification on XXXX with XXXX  and I had been making timely payments and complyin with my payments until XXXX I was forced to rent out the home to pay off other debts that I had assumed .Tenants weren't the best but we tried to make the payments as best as we could .In XXXX especially during the pandemic shut down things got bad and we had to go into forbearance. We had to pay an attorney to try to evict the tenants which was not possible Until XX/XX/XXXX. The home was completely destroyed, insurance only paid {$10000.00} which only covered XXXX of all the damages. I recently moved back into the house in XX/XX/XXXX and started making payments in The month of XXXX until XXXX. I have requested help to repay what is owed but the mortgage servicer keeps giving different information XXXX have been denied for every help they could offer and I have appealed several times. I even had the XXXX XXXX XXXX XXXX step in to help me and they instructed that they found a.solutiin and would help me modify and when we tried to move forward I was denied once again and just received a letter stating I need to pay {$47000.00} before XX/XX/XXXX of not further actions will be taken. 
I think this company is trying to scare.e and take.me.out of my home. They are.trying to confuse me with different false information to buy time and send me to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
In XX/XX/2021, I submitted a check electronically through my bank account to pay the balance in full to Comenity Bank for my XXXX credit card. In XXXX I received a statement and the same balance was showing that Id just paid the prior month. I check my bank account and the check had cleared my account. I contacted Comenity Bank to see what they had not posted my check to my account. They said Id have yo dispute this and it would take a while to correct and that Id need to continue to make monthly payments until it is corrected. About 30 days later I received a letter from them asking me to send my cancelled check which I did right away. A few weeks later I received another letter stating they received my cancelled check. Today I called Comenity Bank to follow up I spoke to three people who were no help whatsoever! My question to them is why did they not update my account when they received my cancelled check but have chosen to continue to require monthly payments and charge me interest in the meantime. The response was that I need to wait until they research it. Which is not my problem. They can clearly see I did my part!

Company response to consumer: Closed with explanation