vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I Had a gym membership with XXXX XXXX located in XXXX, NY I had called XXXX XXXX in or around XX/XX/2020 and explained that I needed to cancel my gym membership, since the lockdown from the pandemic is going to last. They told me I had to send a certified letter and I explained we are under a lockdown and I can not go to the post office. XXXX  explained someone would call me. I never heard from them and then a year and a half later a gentlemen from Aldous & Associates located in Utah calls me and says I owe {$140.00} to XXXX and he is a debt collector. I explained I had called XXXX and cancelled and they said I would have had to send a certified letter. I explained NY was locked down and I could not send a certified letter. I went on further and asked when was this debt from and they said they didn't know. I said I need a copy of the debt instrument and they said send a request to their PO Box and I had explained I wanted an address so I can send a certified letter signature required they said no. I also explained my gym membership was up prior to NY allowing people to go back to the gym and they said I was on auto renew. I went on further and explained NY has a law requiring gym 's to allow people to call to cancel their membership and NY does not allow for auto renew unless it was explained to the consumer and nothing was ever explained to me. The rep from Aldous & Assoc. said they do not follow NY law and they follow federal law. I then asked what federal law did I break? They would not answer that. After that phone call my credit monitoring company reached out to me and stated that Aldous & Associates put a negative mark on my XXXX  credit report stating I was in collections. Right on Aldous & Associates website they state they report to credit agency 's then the consumer usually settles the debt quickly. Please note I never received a letter or any written communication as to who these people are and what and when this debt is for. These days this sounded like a scam and not a legitimate business. I asked for a copy and validation of the debt and then they negatively impact my credit? This must be illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
as of today XX/XX/XXXX Robinhood as locked my account for no reason I been with the company since XXXX i.jave weekly deposits for jobs and ect ... nothing new all the same transaction everyweek. 
I contacted Robinhood they said I had a restriction on my account so sent the documents they asked for so.they can resolve it ( never told me why my account was in a restriction ) I never violated any contract agreements as of today I have {$1200.00} in my account that I can not get off and I have talked to them three times and they have not responded its been 4 hours now n they blocked me from calling them.. they are hackers they steal money for fun I guess. Robinhood is wrong on so many levels.. I did everything they asked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a checking account with Huntington bank online, I linked an external account that Huntington approved, I then deposited required funds to get bonus offer, Huntington received funds and then sent back funds to me and gave no reason why causing me to lose interest by keeping my funds for several days before sending funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
The Amount started at {$500.00} in XXXX. They kept getting me to refinance. I was paying them {$100.00} per month up until I lost my job last due to Covid-19 last month. I know I paid them well over a year {$100.00} a month but I could never get finish paying it off. They started calling me and my family members constantly. And today XX/XX/XXXX someone from Atlas Credit showed up at my door. And after I asked her to leave my house she continued to knock on my door. Then started sending me text messages. 
The company name is Atlas Credit Co., Inc. Located at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I was the victim of a scam in 2019, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
XX/XX/XXXX contact lakeview loans for an extension on forbearance due to my hardship from covid not being resolved. Original forbearance dat XX/XX/XXXX to XX/XX/XXXX which is 14 months out of the 18 I am being allotted for from the cares act. 
XX/XX/XXXX Received a call stating my forbearance is ending on XX/XX/XXXX I advised the previous loss mitigation specialist submitted a request for extension. Specialist stated no request received but does see I have 4 more months and she would submit a request. 
XX/XX/XXXX Received another call from loss mitigation stating my forbearance was ending advised I have submitted this request twice already specialist advise they would submit a ticket since they were not able to do this in there system due to an error. 
XX/XX/XXXX Called loss mitigation stated the ticket would be resolved by XX/XX/XXXX and that I should be all set XX/XX/XXXX Called Loss mitigation stated they are behind still working on it and check back in a few days XX/XX/XXXX Called loss mitigation representative stated still in process at this point I have had enough and request for a supervisor. XXXX  supervisor contacted me back XXXX hours later stating I would need to submit financial documentation on my FHA loan. I advised per the CARES act that she may not request for proof of financial hardship. She stated that the companies internal policies are to request for financial proof and that the CARES act does not work anymore. She said only options that I have are for loan modification or to take out a loan for the balance.

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 2021-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I XXXX XXXX on XX/XX/2021 as the original creditor initiated a consumer credit transaction with Wells Fargo Auto using my credit card. A finance charge arose with this transaction. As the original creditor, I required that my insurance be included in my finance charge, but Wells Fargo Auto refused to include my insurance in the finance charge. The finance charge is the sum of all charges including insurance. This is a violation of the Truth in Lending Act. 
As a consumer, I have the right to opt-out and pursuant to 15 usc 6802, Wells Fargo Auto was required to notify me of this right. They have failed to supply me with the proper information or steps to opt-out. They are willfully and falsely reporting inaccurate information to credit reporting agencies. I am not listed as the original creditor, the finance charge is inaccurate and wrong by more than {$100.00}, amongst many more violations. 
As a consumer, I also have the right to rescission pursuant to 15 usc 1635. Pursuant to this subchapter, Wells Fargo Auto was supposed to disclose to me this right and provide me with the necessary documents for this process. Failure to do so results in being held civilly liable for double the amount of the finance charge and any actual damages. 
Not only has Wells Fargo Auto been deceitful and abuse me as a consumer, they continuously harass me. Wells Fargo Auto has called my phone at unusual times at least 4 to 5 times a day. Not only do they harass me with phone calls, but they also call me at my place of employment. Harassment by telephone calls is a violation of the Fair Debt Collection Practices Act. 
Wells Fargo Auto has been sent an Affidavit of Truth, Debt Validation Letter and also a Cease and Desist Letter which has been attached. Upon receipt of these documents, Wells Fargo has 30 days to respond. Wells Fargo Auto is to cease all communication with me expect to notify through mail that debt collection efforts will be terminated or that a specified remedy has been invoked.

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 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, Fair Credit Outsourcing ( FCO ) sent me a letter stating that my account had been referred to their agency for collection. On XX/XX/XXXX, I sent a letter to FCO disputing the debt as inaccurate and unverifiable. FCO responded by letter dated XX/XX/XXXX with a statement from XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX creditor ) stating that I owed balance at move out {$1100.00}, ( less a {$200.00} deposit ) for fees owed through XX/XX/XXXX. The final account statement under balance due states " see itemized listing of work '', XXXX there is no list attached XXXX and no signature for manager. 

On XX/XX/XXXX, FCO sent me another letter stating that your account as already or is scheduled to be referred to the 3 credit bureaus as derogatory information. I have attached a copy of a cashier 's check dated XX/XX/XXXX paid to XXXX XXXX in the amount of {$1700.00}, for the final payment owed on this account. I am requesting that the CFPB investigate this complaint and delete the inaccurate and false information from my credit file 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 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
there is a collection account found on my credit report and i have no idea about it and i wasnt given a chance to remedy the situation before hand. i have no idea of this account and i did contacted the credit bureaus and was told the account was verified but i was not given any method of verification even though i requested it on numerous occasion this is damaging my character. i want to find out more info so if it belongs i can remedy the situation. but as it stands my reputation is being damage. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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:
So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to experian, XXXX and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian : you have recieved multiple complaints from the cfpb. In each complaint you are being sent documents that verify it's me, as well as an identity theft report. You have rejected every complaint on the grounds that you believe I am a third party credit repair company. I am not. I have the right to send you documentation via the cfpb reguarding any dispute. You do not have the right to deny that information. 

Can you explain to me why you have rejected the idtheft report sent via the cfpb 6 times?

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 2021-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: ND

Complaint narrative:
I made a payment of {$5400.00} on XX/XX/XXXX. On XX/XX/XXXX, an automatic payment for {$120.00} paid the remainder of the balance. OneMain claims the payment of {$5400.00} was returned by my bank, XXXX. The payment was not returned and it was debited from my account. I provided OneMain with my XXXX bank statement showing the payment was not returned. My online account with OneMain does not show this payment was returned in the payment history. I have made several requests to OneMain to provide documentation to support their claim. They have not provided documentation. I have only received a letter from OneMain declaring they confirmed the payment was returned after completing a thorough review. In the same letter, OneMaine stated the payments totaling {$13000.00}. {$5200.00} toward interest and {$8600.00} toward principal. The original loan amount is {$8200.00} which means, per OneMain, I have paid back the principal balance. This issue is still unresolved Additionally, the statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX indicate there is Monthly Obligatory Amount Due as {$0.00} with a Past Due Amount of {$5300.00}. OneMain claims when the system the payment was made, it satisfied the monthly payments to XX/XX/XXXX but when the payment returned and the system reapplied the balance it will not undo the payments. This process is harmful to customers because it is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I wrote Transunion a dispute letter asking them to verify a bankruptcy that is listed on my credit report. Transunion then responded back to my dispute letter on XX/XX/2021 and stated that they verified the bankruptcy on my credit report as accurate from a third party we hire but the third party is not the furnisher of the bankruptcy. I went to the United States Bankruptcy Court in XXXX, NJ and verified with XXXX XXXX, Case Manager Supervisor via a written letter that they do not share or furnish information to the credit bureaus. The original furnisher is United States Bankruptcy Court in XXXX, NJ and NOT any other third party that Transunion hires and claim that they are the furnisher. This is false information. 


I wrote TransUnion another dispute letter on XX/XX/XXXX and asked them to remove the bankruptcy due to inaccuracies which are damaging my credit report as they have falsely and illegally verified the bankruptcy in which Transunion responded back to me on XX/XX/2021 indicating that they are investigation the dispute again and will send me the conclusion of their investigation. Transunion then sent me another letter on XX/XX/2021 indicating that they have updated the information on my credit report after already illegally re-verifying it AND illegally claiming the bankruptcy as verified on XX/XX/2021 and the status that they put on the XX/XX/2021 response letter after claiming to have updated the file AFTER claiming they already reverified the bankruptcy as not specified. Transunion is claiming that they verified the bankruptcy remark, however I froze all third party bureaus on XX/XX/2021 XXXX it would be impossible to verify the bankruptcy remark when all of my third party bureaus are frozen. )

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 2021-08-11 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Yes I have already called you guys and talked about a recent frad activity but why am i seeing a charge back? is there some sort of mistakes? for this transaction? Posted Transactions XX/XX/21 XX/XX/21 XXXX XXXX XXXX # XXXX {$290.00} this is not mine transaction

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 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
{$4800.00} was stolen from my account at WSFS bank. Someone stole my {$18.00} check from mail, crossed out the original amount, wrote the new one underneath and deposited using the ATM. My bank did not see any red flags with that check, that was clearly a fraud and released my money to that person. I reported this to the bank location and to police. I was told at the back that they would need up to 90 days to investigate the incident. They refused to do the provision of credit. I don't know how that kind of a check could be accepted by any American bank and why I have to pay for their mistakes. Needless to say that I am finishing my XXXX relationships with that bank. I can not do it until I get my money back. I am asking you to help me to get at least a provision of credit. I need to be able to pay my bills. I know other banks do that. The way I was treated at that bank is unacceptable after all these years I stayed loyal to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
I created an account on Binance.com and am now unable to access it because I am from the U.S. I can not access my account which still holds funds that belong to me. Binance will not address my problem and will not return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Because the credit bureaus DO NOT update real time they continue to post incorrect and higher balances impacting our credit scores and denying available credit. [ DTI ] Disputes have been made consistently but it is impossible for them to correct because lenders do not report but only negatives Real Time! This creates a financial hostage situation you the CFPB evidently do nothing about nor does Congress. Right now today 5 creditors balances incorrect 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 2021-08-11 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:
So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX XXXX and Transunion. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.

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 2021-08-11 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:
So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX, equifax and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.

Company response to consumer: Closed with explanation