vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I went into Wells Fargo Bank located at XXXX XXXX XXXX XXXX CA XXXX to send a wire for {$95000.00} to close escrow. I have banked at Wells Fargo for over 20 years and had an available balance of over {$500000.00}. I was told in order to send a wore I needed an appointment and the next appointment was XX/XX/XXXX. I needed to close escrow today not on XX/XX/XXXX mind you there were no other clients in the entire bank waiting to be helped. Only after I threatened to file a compliant with the OCC and CFBP they said they would do me a favor and let me come back at 1 ; 30 which would still be to late for my transaction. the XXXX XXXX XXXX XXXX stated I could drive around to other locations but all branches did not have appointments for weeks. I've been a banker for 30 years and have never been told you need an appointment to send a wire let alone 3 weeks in advance. This is unacceptable as my funds are in a DDA which mean Demand Deposit Account meaning I need to have access on demand, and I went to a full service location that denied me services and caused my escrow to be delayed. I was unable to send from Wells Fargo and had it use a different bank account. This caused me hours of frustration and delays. I keep $ XXXX on deposit with Wells Fargo but after the way I was treated I will be closing all my accounts. I called the XXXX  XXXX and all I was told was sorry for my inconvenience. How many other clients are they holding their funds XXXX XXXXm and given the run around. this is unacceptable that I was denied access to the funds in my checking account. You can check the video at the office the entXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  came into the office, they could have helped they did not want to and they did not want to allow me to use my funds.

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 2021-03-23 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

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 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Applied Business Services, Inc.
State: NC

Complaint narrative:
This complaint is in reference to previous complaint XXXX. Security Collection Agency is in violation of multiple FDCPA violations and I demand to be compensated for each violation which I have attached with proof. Simply deleting this unvalidated debt which is a violation of 15 USC 1692g from all consumer reports is not enough for all the pain and shame this has caused me. My credit reputation has been impacted tremendously and this has stopped me from obtaining credit that I should have otherwise been approved for. This matter has also caused tremendous shame as this company furnished this unvalidated debt to consumer reporting agencies essentially making this private matter public and broadcasting it to the public. I am expecting to compensated by check to remedy this matter as well as this unvalidated debt being removed from all consumer reporting agencies expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On, XX/XX/21 I have put in several disputes about a Bankruptcy on my credit report. Each time you tell me it have been verify and accurate. You also told me you get my information was verified through XXXX. I have attached letter from XXXX and the Bankruptcy court in XXXX XXXX. 

XXXX, stated they do not have a bankruptcy reporting to my file or on my file, and XXXX XXXX courts stated they have not shared or give you any information related to a bankruptcy. 

You are lying about the information being verified and accurate. 

I see your reporting agency have violated several federal and state laws regarding my right as a consumer to privacy.

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 2021-03-23 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: NCB Management Services Inc.
State: GA

Complaint narrative:
Disputed the alleged debt with the debt buyer by the name of NCB management. They have attempted to validate this alleged debt and will not provide me with verification that I owe this debt. A signed loan agreement, signature and identification used to obtain credit. The furnisher by the name of NCB is attempting to collect a debt on a charged off account, and also they do not have a certificate of authority to due business in the state of Georgia, I have disputed this debt several times. 
NCB management or NCB are both reporting to XX/XX/XXXX and XX/XX/XXXXunder different names, both names of business are non compliant to do business in Georgia. 
Also, they are reporting an open account on a charged off Item.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I've reached out to this reporting agency on several occasions. Most recently, XX/XX/2021. This original debt was owned by XXXX XXXX, and was sold to XXXX. During the past few months this item has appeared back onto my credit report, re-aged. A complete violation of my rights. The debt collection company and credit bureau have both neglected to verify that I am the owner of this debt and am legally obligated to pay this debt in the 30 day time frame allotted. I would like this account removed from reports immediately.

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 2021-03-23 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: Nicholas Financial Inc.
State: IL

Complaint narrative:
Ive pulled my credit report & noticed an unauthorized inquiries, I then contacted the original creditor, they werent able to identify me nor did they have any of my information on file or in their system. They recommend me to contact the credit bureaus to get the hard inquiries removed, I did so and Ive also file a police report for identity theft which I will include the police report number. To my assumption I believe someone had gotten my personal information and applied for something. The company Im referring to is : Nicholas finance corporation the inquiry was pulled on the date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My mortgage company continues reporting a balance {$10000.00} greater than my loan. This has contributed to me being declined for credit accounts with other merchants. 
This was previously disputed with the credit bureaus and corrected in XX/XX/2020. I've attempted to dispute the error again but the credit bureaus will not reinvestigate since it was disputed and corrected already. 
My current balance upon viewing my mortgage summary from the providers web portal is {$270000.00} In addition to Fair Credit Reporting violation, the mortgage company will not respond to my inquiries in regards to exiting my forbearance plan.

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 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Shellpoint keeps ignoring my request for mortgage assistance they continue to put on a covid forbearance plan and not helping me retain my home. I am asking for a loan modification review. I have submitted the loan modification packet over 3 times now and they continue to ignore my request. On XX/XX/XXXX was the first one sent and then on XX/XX/XXXX resent and today I have sent it again after they have wasted over 30 days of just leaving my documents without a review. My XXXX XXXX XXXX calls every 6 days but they continue to advise the same thing. There is no modification review and that they never got the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This company tried to place debt on my credit report without legally verifying or validating it under the fair credit reporting act. The company never exchanged goods or services or any exchange of monies. This company has since placed a charged-off statement on my credit report dropping my credit rating XXXX points!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistakes as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had unauthorized charges on my checking account in XX/XX/2021 from a seller called Cali Styles. I notified Chase that I did not authorize the charge of {$750.00}. Chase refunded me while they investigated the claim. Chase contacted the seller name " cali styles " which furnished further fraudulent information stating that they sent me a package/ " play station '' through US Postal service and had a tracking number. Chase stated the electronic payment and this mail served as enough proof and would not defend me or refund me any further despite documentation and reasoning. 

Shortly thereafter XX/XX/2021, I had moved and overlooked mail and found this fraudulent piece of paper XXXX XXXX sent in order to feed their fraudlent activity. The USPS mail they sent weighed one ounce which clearly is not a play station. I notified chase of all of this but they will not review anything anymore from me. 

Chase will not review my claim which truly shows I did not buy anything from this company. They also wont provide me with the sellers contact information so I can dispute this further. Chase refuses to look at evidence presented. Police reports, bank statements and other facts such as I am a single female living in AZ and that I am not a married male agreeing to meet this seller in person in California on days I am working and living in AZ. Chase will also not look at evidence that it does not make sense to have a package mailed and meet in person for a sold item. Hence feeding the fraud because I did not meet this person or authorize charges. 

I have filed a police report, I contacted all three of my crediting agencies ( ie XX/XX/XXXX) to put a fraud alert on my accounts. I filed a complaint with IdentityTheft.gov. I am contact you for help as well. They told me to take this seller to small claims court but I can not because I do not have the identity or a business phone number or name. 

Please help me defend myself because Chase bank will not defend me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR

Complaint narrative:
They call almost daily around XXXX XXXX. They have also called my parents landline, who I do not live with and whos phone number I do not use.

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 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We emailed a request for a payoff demand on XX/XX/XXXX. I called in today, XX/XX/XXXX, was told there was no record of it being requested. When I asked to speak to a manager the LoanCare rep hung up on me. This is not acceptable. -- -- -We see a disturbing trend of XXXX discrimination with LoanCare towards their minority borrowers. ********* Specifically, please look at the history of complaints centered around XXXX discrimination for this borrower. When is the Federal government going to put a stop to this????

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Hello, I transferred my stock out of Robinhood to XXXX on XX/XX/2021. Robinhood charged me {$75.00} for this privilege, without letting me know a ) that this fee would be applied, and then b ) had been applied. There is also no transparency as to how this fee was applied, because my account was nearly all stock, with less than {$75.00} worth of cash in it. 

I emailed customer support on XX/XX/2021 and got a non-answer response. Other than that customer support reply, I have no record of this fee being applied! 

I am sure there are tens of thousands of people who have lost money due to the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On the XXXX of XXXX. It was an unauthorized person get into my cash app. And took out funds. In the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Apple / Goldman Sachs refused to authorize the closure of my account after 25 minutes+ waiting. Three managers were contacted and none were responsive. I was not afforded any alternate option but to endlessly wait. It seems this is an unfair consumer tactic to discourage closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Insikt, Inc.
State: TX

Complaint narrative:
Discovered today that this debt is reporting on my credit and is associated with a name and address that is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-23 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX  and XXXX  by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ally Financial not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
Second filed complaint, original file number XXXX has not been resolved. Dovenmuehle Mortgage has provide false information regarding the details of my escrow refund. Supervising agents information is not inline with company 's response and no refund has been received. Each communication with Dovenmuehle Mortgage has been consistent and has shared miss leading and false information regarding refund payment. 5 months is NOT compliant with RESPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
There is a collections account on my credit report by Portfolio Recover XXXX ( Debt Buyer ). I do not recognize the account, there is no correlating account from XXXX on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied other than a useless bill showing a previous balance but no other information. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, complete history showing payments, charges, interest and fees to support the amount of debt you claim is owed, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed.

6. Please confirm the date the statute of limitations expired.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Please cease and desist all collection attempts and remove this erroneous information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: TN

Complaint narrative:
I did not get proper notification of the debt and I request this debt to be removed.

Company response to consumer: Closed with explanation