vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
I filed a complaint about this on XX/XX/21 because I have never gotten a monthly billing statement yet they continue to take money out of my account each month as the payment is due. My responsibility is to make the payment and I am but they arent doing their part by sending a statement. Their original reply to my complaint is that they have been sending statements and its not their fault if the mail causes me to not receive it. 

I just called them today ( XX/XX/21 ) because I still have no statement and spoke to XXXX. He told me that my statements werent toggled on to actually have one sent to me and that he fixed it. But they lied in their first response to my complaint and have violated the fair credit billing act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
In XX/XX/2021 I received a letter from Wells Fargo ( holder of my mortgage ) stating that escrow was low and I could either pay the shortage now or have my payments raised. I paid the amount requested in full, {$72.00} on XX/XX/2021. Everything seemed in good order. 

Yesterday, I noticed that Wells Fargo has raised my mortgage cost despite paying in full. The XX/XX/2021, auto withdrawal was {$800.00} ( paid twice per month ) vis-a-vis the authorized amount of {$800.00} ( twice per month ). Granted, the amount is small, but it is the false claim that is the problem. I called to enquire about this new charge and was first greeted by a woman telling me this recorded call was to collect a debt. I have never missed a payment, nor been late, there is no debt. I was transferred numerous times, all Wells Fargo staff acknowledging the full payment for escrow shortage paid but stating cost would rise regardless. This is untrue. I had a conversation with a woman at Wells Fargo when I received the letter, told my home insurance had gone up, and decided I would pay in full rather than see a change in payment. 

I believe they are double-dipping in my escrow account. I was told someone from their executive office would call me, but that has not happened and nothing has been rectified.

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 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I was alerted by my credit bureau XXXX that my credit score dropped 40 points. Found an account that was not mine and disputed it. Contacted the company AcimaCredit and because my phone number didn't list up to any account, they would not give me any information regarding the account that they placed on my credit report. I was not able to cancel the credit line, get the phone number or address of where the items were delivered to since this is an online store. 

I have filed a police report in XXXX County where I live on XX/XX/2021 and was given police report number XXXX. 

account name : ACIMA CREDIT XXXX  XXXX  also known as : ACIMA CREDIT XXXX XXXX account # XXXX account type : Lease Responsibility : Individual Date opened : XX/XX/2021 Status : Open {$510.00} past due as of XXXX 2021 Balance : {$2400.00} Original balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Hi, I followed New to Citi Checking Cash Bonus Offer ( as in attachment ) on Citis official website to open a new checking account to earn the {$700.00} cash bonus on XX/XX/XXXX. 

However, after I followed all required steps to deposit {$50000.00} into the Citi checking account, Citi blocked my account for weeks, and then sent me an email on XX/XX/XXXX ( as in attachment ) saying my account will be closed because we found that you have violated the terms of your account per the client manual. However, I called Citi many times but they refused to disclose what exactly I did to violate the terms ( because in fact I did not ). They insisted on closing my account without a clear reason, but in the meantime, they refused to allow me to withdraw my money back at the moment, which is ridiculous and irresponsible. 

I transferred the {$50000.00} from my accounts in other banks ( the first {$25000.00} on XX/XX/XXXX and the second {$4000.00} on XX/XX/XXXX came from XXXX, the third {$21000.00} on XX/XX/XXXX came from XXXX ). All statements are in the attachments. The information is all correct and in fact the money has already been transferred into my Citi account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with H & R ACCOUNTS. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with AAMS LLC. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union refuses to investigate and remove the following tow debts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for {$550.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX for {$5400.00} Both accounts have been settled/closed. 

In addition, XXXX XXXX is still contacting me about wanting payment.

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 2021-11-05 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:
I'm unimaginably disturbed! My hidden response to the mistaken thing on my recognize report sent as communicated in a past message on XXXX. Today is XXXX. Regularly by law, you ought to respond inside 30 days. During these irksome events, every one of you have been given an extension which I grasp. Regardless, it has been far in excess of the expansion time span given. I have urged you on numerous different occasions. I'm starting to acknowledge this is a lull technique on all of you 's end. I demand your association kill this XXXX XXXX from my credit report or face case. In case you don't kill this off-base information speedily I will record a formal complete with the FEDERAL TRADE COMMISSION! I'm remaining mindful of my records overall and kinds of correspondence with you on this matter just in case of archiving a protesting with the FTC in the event that you continue to decide not to arrange. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered responsible for your decision not to not assent. My family and I are being constrained to pay higher credit charges and denied by numerous associations when endeavoring to purchase significant necessities to get by during this problematic money related period. In the event that your next response to me is everything except an extraordinary application with my imprint on it or a letter communicating that the tricky information that is ignoring the Fair Credit Reporting Act isn't deleted I will continue with my FTC complaint. As exhibited by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to certify, through the genuine check of the chief stepped buyer contract, all records that you post on a credit report. Else anybody paying for your identifying associations could fax, mail, or email in a fake record. I interest to see obvious evidence ( i.e. : a unique purchaser contract with my engraving on it ) that you have on the file for the record recorded under. 

Your frailty to distinctly check these records has harmed my capacity to secure credit. Under the FCRA, mistaken and unusual information ought to be deleted from a client 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
In XX/XX/2020 I suddenly got a collections notification for around {$400.00} from some company named Receivables Management Systems. I looked online for the company as I had no idea about this charge being out there. Website : XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX, VA XXXX. Phone number : XXXX. I first tried to call in XXXX of that year after still not knowing where it came from. I would call with no answer for a couple months and then just a cracking line and someone yelling hello on the other end. When I finally spoke with someone they stated it was from a trip to XXXX XXXX. I called XXXX XXXX to get more information regarding this claim. They did inform me it was a charge for my daughter nearly a year and a half prior ( We have lived in the same location this whole time ). I then tried to get ahold of Receivables Management to rectify the situation. The woman kept repeating " Are you paying in full today? '' No matter what I asked. In the end we both were screaming into our phones. I then called XXXX XXXX to see if they could help but they're financial department could do nothing now it was with the collection agency. I have verification my daughter was covered by XXXX at the time. I have never seen a letter in the mail from these people. They don't even call. It just appeared on my report and will not go away. I highly recommend at least transferring my debt to another company I can actually speak with. If it were my bill and I knew about it long ago I would have just paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United Credit Education Services
State: FL

Complaint narrative:
I GET THE UCES PROTECTION PLAN AND I MAKE ALL MY DISPUTES ON XX/XX/2021, AND NOW 59 REGULAR DAYS THEY DON'T MAKE ME ANYTHING WITH MY DISPUTES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am a victim of identity theft, and I recently obtained a copy of my credit report, which revealed a {$900.00} collection with Money Lion, {$24.00} balance with a company called XXXX XXXX XXXX XXXX. I have never made an account with these organizations, and they will not assist me because I am not a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
This morning I deposited my commission check as usual, at the beginning of the month and paid my monthly bills ( as i do EVERY month ). Then I went to get gas and my card was declined. My son was at college and tried to pay for a class and his card was declined. I have several ACH withdrawls that are supposed to come out today/Monday as well. So I call in to USAA and was told there is a 3 hour hold time. I decided to login to my online acct and everything is showing as unavailable so I chat in. The lady tells me that my accounts were sent in to investigations because of all the transactions today, that they wanted to make sure someone hadn't stolen my card. I told them " no, they are my transactions '' and to unlock my account. She proceeds to tell me that it may take up to 3 business days. In the mean time all my checks and payments are going to bounce???? This is unacceptable. A simple phone call from them could have prevented this. I asked for a supervisor and she told me she was sorry but none was available. HELP PLEASE! they have all 4 of my accounts tied up and locked and I can't get gas or groceries or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Me and my friends applied AMEX credit card, and we don't have SSN. However, except for name and age our application are the same. Result is they got XXXX credit limit and I got XXXX. I have already filed compliant for discrimination, they had never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021, I did purchase a product computer for the amount of {$79.00} after the transaction got effect bill come to {$110.00}. I claim the extra payment that got charged to my credit card but it was denied by Paypal on XX/XX/2021. 
Also, I claim that the package I have never received Paypal provide to me the tracking number XXXX and that confirm the package was delivered by the Postal office but not to my address and not under my name because the tracking number provided by the Customer/Paypal does not belong to my address and no to my name.

I asked Paypal and my Syncrohnic bank credit card to refund my money and they refuse to do so.

I have stress, a headache, I get sick and I lose days and hours of work trying to solve this problem also the customer service in both banks treated me badly without compassion, respect, and education. the attitude of the customer service people and the lack of consumer protection forced me to close my account. The abuse of this bank and that of Paypal was more there when I closed my bank account they took away the money that I had earned by making purchases on XXXX. It is not fair that honest and credible people go through abusive actions of this institution such as Paypal. Paypal their service is lousy and their customer service workers are rude, the claims and disputes staff are not interested in solving customer problems. That is why I ask for the full weight of the law and a civil reparation for being the intermediary of scams and fraud to clients.

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 2021-11-05 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: TX

Complaint narrative:
On XX/XX/2021 I noticed an unauthorized charge on my XXXX checking account for {$260.00}. The company listed was called XXXX XXXX, for a loan XXXX. I never heard of this company so I disputed this charge with XXXX on XX/XX/XXXX. I also checked my credit report with Experian, which showed an unauthorized loan for about {$5800.00}. I disputed this charge with Experian at about the same time, and they reported on XX/XX/2021 that they would not remove this false account from my report. I also contacted XXXX about the sames time and they could not confirm that this was a bad loan, unauthorized by me. 

XXXX XXXX  purchased XXXX on XX/XX/XXXX, and subsequently on XX/XX/XXXX there was another unauthorized charge on my XXXX checking account for {$260.00}. I also disputed this charge with XXXX XXXX. 

My dispute is with Experian for not removing this false loan from my report, and I also dispute with XXXX XXXX this loan. I did not authorize this. Thank you for your help.

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 2021-11-05 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 accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts 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 account that is still reporting on my account : XXXX/XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Company name is XXXX. I ordered a futon from this company whom I now believe is a bogus company. Through my XXXX account on XX/XX/XXXX I ordered a futon for {$76.00} but they charged me {$88.00}. I tried to get a receipt or confirmation but got nothing. On XX/XX/XXXX. I emailed the address XXXX that was given to me with no response. I don't want these scam artists to get away with stealing my money.

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 2021-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I pulled my XXXX reports and discovered a negative reporting account on all three credit bureaus. The account with XXXX XXXX is being reported by Credence Resource Management as a collection account, and this is hurting my credit score. I do not recall opening nor paying on this account. I have made numerous efforts to locate and contact this company for validation of this debt. I have requested proof of this account and any contract documents signed by me, and I have not received one response. This account also reported negatively on my credit in XX/XX/XXXX. I submitted a dispute stating this account did not belong to me, and or I have no knowledge of the account, and it was removed immediately. Now it is back on my reports, THIS IS HURTING ME AND MY ABILITY TO PURCHASE A HOME. This item needs to be immediately removed from all credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST PRIORITY MORTGAGE, INC.
State: NY

Complaint narrative:
This is the XXXX time I have tried to file a complaint about XXXX priority. Why was my complaint deleted as if I never filed??? I received an email saying they have responded but when I log into my portal, it says no complaint. Why has this been ignored or removed from my file?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NE

Complaint narrative:
I received a brochure offering no annual fee if using the application and code provided in flight. I entered this and was still charged {$99.00}. Reached out to the company and was denied on XX/XX/21 and received a follow up letter saying there was nothing they could do. Attaching the brochure I was provided.

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 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Upgrade - reporting a charged-off account on my credit reports. I received multiple contradicting emails about having an account, not having an account. I never took out a loan or line of credit with this company and have told them this many times via email. I have disputed with XXXX XXXX with no results in my favor. I had many issues with identity theft and fraud charges since the pandemic. They will not speak to me at all. No one calls back, no one will talk unless I provide personal identification such as social security number which I refuse to do over the phone with a company I have never used.

Company response to consumer: Closed with explanation