vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things 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 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
We refinanced our home loan and the previous mortgage was paid in full on XXXX. We did not receive our escrow check, ( {$2200.00} ), so I called to see where the check was/is. They told me I had to wait thirty ( 30 ) days after the check was mailed before I could request a new check. I waited the prescribed thirty ( 30 ) days and called back. I was told they would " overnight '' the check to me at the address I provided them which is different from the home address, I am out of town working. I then called for the third time on XX/XX/XXXX and was told " We mailed the check on XX/XX/XXXX ''. I replied I find that hard to believe since that was a Sunday! They then said " Oh it was processed on XXXX and mailed on XX/XX/XXXX. And yes we do work on Sunday. '' They said it was not overnighted but sent regular USPS mail. I called back today, XX/XX/XXXX, and am now told, it was mailed on the XXXX of XXXX, the same date as my last call AND sent to the address where I am not because I am out of town working as previously mentioned. I am now told I will have to wait yet another thirty ( 30 ) days after XX/XX/XXXX before I can call back and request a new check. However, this time the person assures me she has put in the correct mailing address and they will overnight 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 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NJ

Complaint narrative:
This company calls my landline several time per day about what I do not know. I have put their number on a blocking list and have spam blockers on my system, but the number still gets through. I have stellar credit, have no consumer or any other kind of dept, and pay my bills. I have no idea what they are calling about and will not respond to their harrassment. Please lodge my complaint and forbid them to contact me by telephone.

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 2021-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I was a XXXX XXXX Customer. I received a title loan on my car and I paid that loan off since the interest rate is extremely high. Again I was contacted by loanmart to get another XXXX XXXX on my vehicle. They were charging me an entirely High rate for {$2500.00}. They have charged me over {$10000.00} in fees. XXXX Stole my car from my driveway and sold it and took all the money which was way above {$2500.00}. They should be on The Blacklist 4 charging customers High interest rates for title loans in selling their car without their knowledge. Now for the past three years they are damaging my credit report and I'm not able to buy a vehicle. Basically I have to take the bus because of XXXX. I am forwarding this complaint to the XXXX XXXX XXXX and XXXX XXXX XXXX so they do not Target any more customers like me and be the victim of their High interest rate and selling their car without their knowledge and also destroying their credit. find me XXXX year old XXXX woman, which XXXX is fully aware of and my husband passed away in 2018 from XXXX and at this moment I only have food stamps and I'm waiting for my XXXX approval and I can not get housing or apply for anything because of XXXX. They charged {$10000.00} for {$2500.00} plus sold my car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to one of US bank branch that is located at XXXX XXXX XXXX, XXXX, ca.XXXX. I met a branch manager here who is named XXXX XXXX. XXXX XXXX discriminated me and treated me badly because I was not XXXX! I was treated horrible! XXXX XXXX called the police on me when I refused to leave the bank! 
I have banked with US Bank for several years, I was happy with their service at first. Recently US bank have been absolutely terrible! 
I actually feel like they are crooks and have stolen money from me. They charged me {$110.00} for international transaction fee while the branch manager promised me that my checking account will be XXXX fee if I had the direct deposit! I contacted US bank customer service many times to ask for the refund and they advice me should talk to US bank branch manager to get the money back! 

XXXX XXXX is the worst branch manager who I ever met! He provided me the worst services ever and took no responsibility for the banks mistake on my account! I told mr. XXXX that US bank branch manager didnt disclose to me about 3 % international processing fee when I opened the checking account with US bank! Unfortunately mr. XXXX had no empathy for me instead Of rolling his eyes on me with an angry looked and asking me to leave the bank when I asked to waive for the international transaction fee! He even advices me to close the checking account with US bank and had nothing to do with me! It seemed like mr. XXXX was worrying about the US banks customers knew about how bad the US Bank .... he asked me to leave ... or he would call the police on me! 
I definitely do not trust US bank with my money but I need my money back before I close my account with them!

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 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC 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 explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC 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 2021-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complaint is in regards to an unauthorized inquiry which was made using my personal information. The application KEY CODE associated with this action is : XXXX. The Company involved in this action is Lowes Synchrony. They also authorized charges on my personal bank account with few different transactions. I reached out to the company a couple of times and they stated the situation was being handled. I verified my information with the necessary requirements but they insisted on demanding more information from me. I first spoke with a representative who refused to give me their name but referred to as " K - XXXX. '' She stated that she would update the system by submitting a " Fraud File to Delete Inquiry ''. I asked for confirmation that this action took place and she insisted on demanding more personal information in order to receive confirmation. She began to become aggressive and overly demanding and as I requested to speak to a supervisor, she transferred me to another rep of the name XXXX. XXXX was even more unprofessional and refused to answer any questions and placed me on hold for 15 minutes. From that point a woman named " XXXX '' stated she was a Manager from the XXXX, Ohio branch location. She stated that the action of removing my information and inquiry from their system was set in motion ; however, there is no way of sending me confirmation. This is not the first time I heard of this company authorizing inquiries and credit cards with fraudulent activity. I have relatives and friends who dealt with the same problem from LOWES SYNCHRONY. I asked that this company immediately updates the Credit Bureaus that the Inquiry was fraudulent and unauthorized or I will file a legal suit. Once again I did not make the inquiry or authorize Lowes Synchrony to utilize my person information. After such action is taking place I also request that this company Cease & Desist and further contact to 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 non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
I contacted Ability Recovery Services LLC in regards of a collection account they say I owe them but they are not verifying I owe this collection with them. On XX/XX/2020, Ability Recovery Services LLC sent me an enrollment application for debt validation/verification. This is not acceptable to me. It shows no account with them whatsoever.

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 2021-05-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My business closed in 2017. Citi Bank and I were negotiating payments, the amounts were charged off. Three years later Citi Bank still files a late payment each month which is killing my credit score. I am not late on any account I have and I pay my bills on time. Citi is preventing me from getting credit. Because it was charged off when you call they don't see the account and tell me they can't help. Frustrated!

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 2021-05-26 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things 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 XXXX  data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have called and tried to get information from AR. I work for the XXXX  of XXXX. I went to my case manager who does our health insurance. She states. I owe no one and I have met my Deductible. They are collecting on illegal debit. I ask for detail billing have got nothing but a run around for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 35 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 35 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 XXXX data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TX

Complaint narrative:
To whom this may concern all 3 bureau XXXX, XXXX, and Equifax are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom this may concern all 3 bureau XXXX, Experian, and XXXX are reporting misleading and false information on my credit report. They are in violation of 15 usc 1681b ( a ) ( 2 ). Which states that a consumer reporting agency can only furnish a consumer report with my written instructions. I am seeking litigation for my rights being violated and the stress that all 3 bureau have caused. I demand any unauthorized misleading inquires and negative accounts that are negatively reporting on my credit report be removed. And all inaccurate late payments be correct to payed 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 non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding continues to send me collection letters, call me from random numbers and show on my credit reports but I do not have an agreement to pay them, nor have I entered into a contract with this company. I have repeatedly requested the credit bureaus to remove the inaccurate information as I have never owed and do not now owe Midland Funding! If I have bad debt with another organization, they need to contact me for settlement, not this company. Why would I agree to pay a company I have never entered an agreement with? Allegedly, they are debt buyers and purchase unwanted or written off debt from other companies - THATS THEIR PROBLEM! How can you collect money on behalf of someone else? Excuse me, you didn't pay XXXX 's so I went ahead and paid some of it so now you owe me? NOOOOOOOOO If this does not disappear from my credit report, I will be suing this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/2021 I opened a cryptocurrency exchange account with Gemini Trust Company , LLC. I sent in the requested documentation for verifying my identification and was expecting to get notified that the process had been completed within the next 24 hours. By XX/XX/XXXX I sent in a support request to see what the hold up was but received no resonse. Come XX/XX/XXXX XXXX still had not heard back from them but figured they were very busy. I deposited {$200.00} on XX/XX/XXXX and {$200.00} on XX/XX/XXXX. On XX/XX/XXXX, XXXX, XXXX, and XXXX I sent out more support requests but did not hear back from the company regarding my ID verification. At this point I can not deposit any more money nor withdraw any money or crypto because my ID has not been verified. I am concerned I will lose access to my money and since I have not heard back from anyone representing the company I do not know what to do. Please help me get in touch with them to resolve this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
This is now my third complaint against Binance, also my third time submitting with XXXX  Each time they respond to the complaint, but then drop off the face of the planet afterwards. I am owed XXXX dollars after being charged twice back in XXXX. it's been almost three months and no understanding of this on their end. 

I've provided a bank statement showing the charges, after initially trying to reverse the charge -- which resulted in my account with them to be frozen, with over XXXX dollars invested now with them. 

The lack of follow through shows this companies lack of interest in giving me the money that they overcharged me for, then penalized me for when trying to resolve with my own bank. 

Refund me my money please. I will be filing a complaint with my attorney general. This is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted Navient via letter informing them that I did not take any loans while a student at XXXX XXXX XXXX. Their response was that the loans were valid. I then contacted their loan investigation department to find out more information about these loans. The loan investigation department sent me an email stating that they do not have any federal loans on file associated with the school in question. XXXX. XXXX, XXXX I sent Navient another debt dispute letter along with a copy of the email that was sent to me from their loan investigation department stating that there was no federal loan on file for the school in question. Navient 's response was that the loans were valid as they stated previously from the first response.

Company response to consumer: Closed with explanation