vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
In the month of XXXX I had two different transactions of a atm Withdrawal with out my knowledge I went on to dispute it with my bank. Even got a police report which states that it wasnt me in none of the videos taking money out of my account. With a newspaper article from my city. Which people are having. Trouble. With credit card fraud from the same place I used my card from. 4 month later Im still trying to get my money back from the bank which refuses to give me my money back chime bank is not very helpful every time I call I get the run around no direct answer from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lake City Credit
State: TX

Complaint narrative:
Approximately three to four months ago I began working with Lake City Credit and a representative who called himself XXXX. He tended to be pushy with me at times and would call while I was at work. Im asked kindly to return his call later that day and not no longer contact me during my work hours XXXX - XXXX. I ended up leaving work later than I anticipated that day and missed the window to reach him. He called me the next morning against my prior wishes and I had to ignore the call. But! He called me right back! Again I ignored it because I was at work. At that point I wasnt calling him back that day. Each day for the next couple weeks he would call me two times a day and if I ignored the call he would double dial me back. It was extremely stressful with all those calls during my work hours. So, I called him back after two weeks and told him I would set up an arrangement at a later time. On XX/XX/2020 XXXX contacted me yet again whilst I was at work. 
I then told him to cease calling my ok one and place me on the company Do Not Call list. He laughed and did not acknowledge me so I again stated I wanted to be on the do not call list and was aware my call was being monitored and recorded On XX/XX/2020 XXXX and Lake City contacted me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-10-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: TX

Complaint narrative:
On XX/XX/2020 I bought a new XXXX XXXX from XXXX XXXX in XXXX, TX. I specifically asked them who pulls the credit and they said that XXXX XXXX does a soft pull and XXXX XXXX will do a Hard Pull ( both through Transunion ) if theirs looks good. I unlocked my reprt so they could move forward and I was approved. 

Later both XXXX XXXX and XXXX XXXX showed up as hard pulls. I have attempted to get ahold of anyone in finnace at the dealership and even went to the dealership but no one returns calls and I was not able to see anyone.

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 2020-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber sold my loan to another company who is telling me theyre going to change my rates and they will refuse to do a refinance I had a refinance scheduled for a Thursday shelter in place started on Tuesday on Wednesday they called me and told me I could not meet in the office to sign the paperwork on my refinance and not to worry everything would be SS in place as soon as we were able to meet again in front of a notary and sign the new documents in the meantime I did do a forbearance with caliber and then I received notices that were over three months old that they had sold my loan not given a proper mailing address to the other company or utilize my proper mailing address the new company Then told me that they didnt have my information updated even though my loan would be officially theres that week but they were several weeks behind in processing that I would have to wait for them to update their system and then the meantime my forbearance had ended early according to them the payment will be due but they could not even except it because I was not in their system. I contacted caliber they directed me to the site to file a complaint but I dont think they realize my complaint is also against them Ill be filing a separate complaint against the new company as soon as they send me further information on who they even are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This account was opened without my consent. I recently found out because I had my lender run my credit for a home loan. I filed a police report and submitted this to the creditor and the credit bureaus and they all still refuse to remove this from my credit. I have been fighting this account to be removed from my credit for months now and even with my police report as evidence of this account being fraud they refuse to remove this which is hurting my credit immensely!

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 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I checked my monthly credit report statement noting the following : Credit Alert Derogatory Account Reported By I.c.  System, Inc Reported On XX/XX/XXXX Account Balance : {$100.00} Account # - XXXX XXXX XXXX - Ticket # - XXXX ; XXXX I called I.c. System, Inc. to inquire about the charge and was told that it was related to XXXX XXXX. They claimed it was related to an account that was closed in XXXX. At no time have I been made aware of the debt. I was never given a chance to dispute it. I have returned every equipment I ever collected from XXXX XXXX. This company has a pattern of misplacing returned equipment and coercing former customers into making payments. I have made multiple attempts to contact XXXX XXXX and have been promised a call back, all to no avail. I would like this unsubstantiated charge removed from my credit report. 

I'd greatly appreciate 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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
On XX/XX/2020, I closed the mortgage with AmeriHome. XXXX XXXX   company disbursed the outstanding loan amount to AmeriHome as documented on XX/XX/2020 in two transfers as the total amount is more than {$200000.00}. AmeriHome received {$200000.00} as per their online statement. 2nd transfer of XXXX was not credited to the my mortgage account at the same date for some unknown reason. On XX/XX/XXXX, my bank account is debited for the monthly mortgage amount of {$3300.00}. I had opted for automated payment with AmeriHome. Since the mortgage was closed, i was not expecting a automated withdrawal from my bank. I contacted AmeriHome and they did not  know about the closing. I contacted XXXX and the new Mortgage Company to rectify the issue. They contacted AmeriHome. Later XXXX  company informed me that AmeriHome made a mistake and it is rectified and escrow and remaining amount will be credited or sent to me within 7 days. This  all occurred on XX/XX/2020. Today is XX/XX/2020 and I did not receive any check from AmeriHome as of today. Checked with them and they are saying that it would take 30 days even though their website/automated phone says within 20 days, escrow will be disbursed. For me it is 41 days as of today since mortgage is closed. Even with the mistake they made, they don't show any urgency to disburse the amount due to me, which is around $  XXXX. I'm not sure whether they charged any interest for the mortgage from XX/XX/XXXX to XX/XX/XXXX, which I'd like to get refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/20 someone used my Venmo account ( which is linked to my XXXX XXXX Account if there are no funds in Venmo ) to make an online purchase on XXXX which I did not authorize. I immediately let them know of this transaction being fraud and I was still charged for this transaction partially with funds from Venmo and the rest from XXXX XXXX. I disputed this with XXXX XXXX and they returned the money to my XXXX XXXX account so Venmo then charged me on XX/XX/20 to fund the full transaction again. 
This is highly unethical. I am very upset that they took money from my account to fund a fraudulent purchase which I told them I did not authorize as soon as I was alerted in my email. 
I have contacted venmo multiple times by phone, chat and email and they refuse to help. They keep circling around the issue and have denied my fraud claim once already. I have asked what information they obtained in their " investigation '' that led them to deny my claim and they have not given me any information at all. Venmo is not answering my phone calls and everytime I reach a rep through email or chat all they do is ask me to verify my identity and then they do NOTHING to investigate my claim or return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22 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: CA

Complaint narrative:
Problem : On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' On XX/XX/2020 Experian alerted that 'Self-reported account deleted Your XXXX/XXXX  account was successfully deleted ' Result : On XX/XX/2020 Experian alerted that 'Score Decrease Your FICO Score has decreased by 17 points. 

Error : Experian error 102 unable for Experian to boost utilities Cause : Experian wrongly disconnected my bank XXXX after almost a year being connected. 

Misrepresentation by Experian : Experian  claims my bank XXXX not supported which is a lie because XXXX was already connected to Experian for almost 12 months and all my utility accounts recognized to boost score.

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 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I looked on offerup at a listing with an item I was interested. It came with a number saying to text " XXXX '' and I got a response back for the item. The person supposedly names " XXXX XXXX '' told me I had to pay using XXXX. Which I used the TD Bank app and I sent money to someone names " XXXX XXXX '' with the phone number " XXXX '' I sent the money then a day later her told me I had to pay for a customs duty because my product was in XXXX for {$260.00}. By that point I wanted to get a refund for my money because I felt I should have to pay for a customs duty and I requested for one. Afterwards, he never sent me a response about giving me back a refund and stopped messaging me around XXXX EST XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
This is a XXXX XXXX Credit Card Debt from XXXX. 
I have been trying to settle this debt for over 1 year with XXXX ( who owns this debt now ), as well as with Winn Law Group ( their lawyer, Mr. XXXX ) - however, XXXX says they can not receive payments, because Winn Law Group is handling this for them. I was told by XXXX to contact Mr. XXXX, but this is imposible, since he refuses to speak to clients. I have called more than 50 times, I have left more than 40 voice messages on his answering machine in XXXX as well as XXXX. 
The phones are being answered by different receptionists - I have records of all the dates and times and names when I called. 
I have asked for call backs, but Mr. XXXX has never responded to my many attempts in over 1 year. I have made many good faith attempts to settle this debt, but Winn Law Group,  Mr. XXXX, are unwilling to talk to clients, to respond to emails or priority mail letters, he prefers threatening people to sue them even when they are willing to negotiate and pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
Dovenmuehle Mortgage , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX To Whom it may concern : I do not agree to paperless communications for any of these loan information. All documents and other communications shall be sent by my mailing address and my email address. Please do not collect, use and disclose any of my personal and loan information to anyone.

Please mail or email all of these mortgage statements from 2016 to present and future statements. All correspondences shall be sent to my mailing address and email address. 

thank you, XXXX XXXX This is the letter I sent to Dovenmuehle Mortgage , Inc last month and have not received any response nor documents from them regarding this request. I would like all my mortgage statements ( past, present and future ) to
be sent to my mailing address, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
This is a XXXX XXXX Credit Card Debt from XXXX. 
I have been trying to settle this debt for over 1 year with UNIFUND ( who owns this debt now ), as well as with XXXX XXXX XXXX ( their lawyer, Mr. XXXX ) - however, UNIFUND says they can not receive payments, because XXXX XXXX XXXX is handling this for them. I was told by UNIFUND to contact Mr. XXXX, but this is imposible, since he refuses to speak to clients. I have called more than 50 times, I have left more than 40 voice messages on his answering machine in XXXX as well as XXXX. 
The phones are being answered by different receptionists - I have records of all the dates and times and names when I called. 
I have asked for call backs, but Mr. XXXX has never responded to my many attempts in over 1 year. I have made many good faith attempts to settle this debt, but XXXX XXXX XXXX, Mr. XXXX, are unwilling to talk to clients, to respond to emails or priority mail letters, he prefers threatening people to sue them even when they are willing to negotiate and pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
It is not enough words to describe how horrible their phone system is and agents on the other end refused to clear their line or speak up, speak clear and simply hanged up. I finally got to check my account yesterday and discovered that my previous request about unauthorized transactions by some business that unknown to me. Repeated charges were not taken care of on my call in the past. I tried to do the transfer by XXXX and my account did not allow me to proceed and gave me a constant message that Account blocked. I called the customer service and was transferred to technical support. That service promised me to help and asked me to send him a screenshot that I did and I emailed. I asked the recipient to initiate the transfer and it was initiated by the recipient and he used his XXXX to request payment from my account from his side. It was done before three or two times with no problem in minutes.

I was told that money that were supposed to arrive in minutes, but did not arrive. I enter on my account again and tried to call and got unprofessional service when I was transferred to technical support that had a horrible connection, had a lot of noise, eco and impossible to hear anything and agent refused to clear the line. I found in my junk  mail box email from CITI Bank that asked me to confirm XXXX transaction that was unusual, because three previous times it did not require. The email said that they will keep my money for 14 days until I confirm and it wont let me to confirm, the same way like it did not let  me to use XXXX from my account. while I was on the phone I was kicked out of my account and now it won '' t let me back in. since I ordered a new ATM Card and I got no way to change the password. The CITI Bank refused to provide any help. I never heard back from technical support back by email or phone call either. It was look like a conspiracy. I lost access to my account and they won't help. In addition, they offered the reward up to {$1500.00} depending on the amount and also I got nothing. My nervous system got hurt.

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 2020-10-22 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: MI

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
Loancare has stated that My First Trial Payment was for XX/XX/2020. All three payments were made. 

Loancare now states My First Trial Payment for my FHA loan begins on XX/XX/2020, a date I was previously told to not make a 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