vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX, XXXX, Experian, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on business from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.

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 2021-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Payday America Inc.
State: NY

Complaint narrative:
Someone from payday loan agency is threatening me and harassing me saying they will come to my house and employment. 1st of all I'm unemployed 2nd they assume that I live in XXXX Texas. 3rd I never took out a loan. 4th I don't have time for fake people to be harassing me.

They have called me twice in one month XXXX They won't leave me alone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
We are the Sellers on a buy/sell real property transaction in the State of Georgia. We were set to close on XXXX XX/XX/2021. The Buyers were working with XXXX XXXX at the XXXX XXXX XXXX, XXXX NC XXXX SECU branch. We signed an Amendment to the Offer Agreement to allow the Buyers more time than originally requested to work with XXXX XXXX to secure an appraisal. The only Appraiser to arrive was not scheduled, no notice was provided, and the Appraiser refused to wear a mask inside our home. The Appraiser was asked to leave. Six days later - on the day the contingency was to expire - XXXX XXXX asked the Buyers to request another Amendment - for as long as they will allow. Our Sales Agent indicated that XXXX required the Amendment or the Buyer was instructed to take action on the Appraisal / Finance Contingency. No advice provided to the Buyers - that we are aware of - such that by invoking an Appraisal/Finance Contingency without the proper paperwork would be unethical and / or illegal. The Buyer did invoke the contingency. We actively tried to make contact with the Closing Attorney and with XXXX XXXX. No effort to engage from XXXX. We did receive a withdraw letter but not a Loan Denial Letter as required by law. XXXX  boss is XXXX XXXX. We spoke with XXXX on XXXX XX/XX/2021. He showed no interest in the situation. He was helpless to support and offered nothing authoritative to inquire as to procedure issues or incorrect advice provided by those under his command. We strongly believe that SECU is incompetently and inappropriately serving its Clients. We arent sure what should be done about it but we are interested in helping others avoid poor communications and bad advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
I kept getting 5 calls throughout the day everyday from this collection. I kept telling them i never ever received a letter from them charging me anything. They said bill was from 2016. To stop the harassment i paid the amount they requested. They told me that they would send a letter stating i paid. I never received anything. This is affecting my credit bad and I paid this account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This isn't a complaint the but the many complaints I have filed against Wells Fargo. 

Foreclosures, Foreclosures XXXX and their Firms and co-counsel. 

I have never dealt with such misinformation, miscommunication and misinterpretation from this XXXX XXXX calls Wells Fargo. No other corporation which that holds the same business license in the same capacity as Wells Fargo ever did me wrong as much as this bank has. 

I have never had a foreclosure against me. I should have sued Wells Fargo before the foreclosure. 

I pray to XXXX that the Foreclosure laws change, if and when a bank makes the financial error the loan is dismissed with prejudice. Banks to show payment, principal, interest and balance. All loan documents will have the rate on the loan documents. Any change in interest rate will be disclosed to consumer 60 months prior. No documents will be ambigious. No documents will be manipulated. 

A banker, a loan officer will know exactly what transpired and explain in detail everything about the loan and not give an excuse of " I don't know what they did. '' One should not have to go to a CPA, who they could not understand how one loan can turn into two loans. where the added interest rates came from.

We are talking about a person 's home, a person 's credit.

Can you imagine if you have to travel for you job, like federal agents, who can't be there to fix the problem or talk to someone over the phone who can't explain to the person. Banking should not be ambiguous to anyone.

I have two banks I deal with it. Nothing is ambigous to me. Everything is detailed where my money is and how it is distributed. Even with my stocks account. 

Wells Fargo is the most ambiguous and manipulative bank I have ever dealt with. Wachovia customers got screwed royally from and by Wells Fargo. We are the ones who are paying the price and suffering due to Wells Fargo 's manipulative and ambiguous ways. 

Foreclosures Attorenys and their Mills are right in line with Wells Fargo. 

All of this needs to be discussed and changed and make people whole again. That is all what " victims '' of a criminal entity wants. To be made " Whole Again! '' RICO ACT needs to be applied to MegaBanks and Foreclosure Attorneys and their Mills if it is dealing especially with the equity ointheir home. 

Sincerely, XXXX XXXX Thank you for you service and committment to making things right.

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 2021-07-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
My parents are in the process of organizing their estate and this spring they found 6 CDs that they forgot about. One was for my brother, sister and me and the last three were for them. They have matured and are quite old. I realize the bank ( TCF Bank ) is supposed to keep them for 7 years all the while trying to contact the owners of the CDs. Not one of us was ever contacted. I have been with the bank just about my entire life and my name has not changed, so there is no way they couldn't find me. 

My siblings and I have been to different TCF branches and have all hit walls. They say they have no record and there's nothing they can do about it. Clearly, we need to change banks. I asked TCF if they could tell me who escheated these or who is a part of that department and they continually transferred me to the wrong departments, even sending me to a collection agency. I have looked into the state ( Minnesota ) to see if they have it, but there's no record of any of these 6 CDs. I've looked at Missing Money and unclaimed property. I do this every two years for the past 20 years. Our last name never comes up with either of these sites. 

CD # 1 : {$500.00}, 12 % interest, matured XXXX CD # 2 : {$500.00}, 12 % interest, matured XXXX CD # 3 : {$500.00}, 12 % interest, matured XXXX CD # 4 : {$17000.00}, 15.319 %, matured XXXX CD # 5 : {$16000.00}, 11.767 %, matured XXXX XXXX # 6 : {$17000.00}, 8.665 %, matured XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
I noticed charges withdrawn from my bank account on XX/XX/2021 totaling {$7300.00}. Charges were made by Fortiva MC, a card I have never heard of nor applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax Credit Bureau on the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : Medical ) XXXXBalance : {$170.00} ( Original Creditor : Medical ) XXXXBalance : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax Credit Bureau on the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : Medical ) XXXX-Balance : {$170.00} ( Original Creditor : Medical ) XXXX-Balance : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA

Complaint narrative:
I took out a mortgage in XX/XX/XXXX. I took out a loan from Lakeview ( subserviced by XXXX  ). I have downloaded the app for my phone and also attempted to pay online. I have not been able to submit a payment online on the website or the smart phone application. I have had to call in each month to make my payment. 

I am able to log on via the website. It shows my loan details but whenever I attempt to make a payment, I get an error and it doesn't allow me to set up payments. So this leaves me with my two least favorite payment options. Call in or mail in a payment. This would be the expected methods of payments if it was XXXX and not XXXX. I should have the ability to make payments in any method I choose. 

I understand that technology sometimes has issues. There is no reason in my mind as to why I have to mail a paper check or call in to make a payment. This company needs to fix their application and website to allow customers flexibility in making payments.

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 2021-07-29 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: GA

Complaint narrative:
I have two accounts with this company on my credit report. One is for XXXX and the other is for XXXX XXXX XXXX. They are refusing to provide validation of debt ( last bill provided by original creditor ), I JUST NEED VALIDATION OF DEBT FOR BOTH ACCOUNTS PLEASE. Please do not contact me, only via CFPB or mail

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 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McKenzie Paul & Associates
State: TX

Complaint narrative:
On XX/XX/2021 A representative named XXXX XXXX of Mckenzie Paul and Associates called attempted to collect a small medical. Debt. I returned his telephone call at XXXX XXXX and attempted to verify the debt as genuine. XXXX would not agree to provide anything in writing to verify the debt to my home. He also threatened to turn me into a collection agency unless I paid the debt today of {$92.00}. I informed XXXX I would be happy to do so once I verified the debt was genuine and mine to pay. 

I asked this numerous times, but he refused to provide me anything in writing verifying the original debt. He also wanted me to pay by credit card over the phone which I deem to be a security risk. He did not have any secure way of payment and I refused to give a stranger my credit card information without verifying the debt as authentic. 

XXXX then became ugly and terminated the call.

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 2021-07-29 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I traded in my XXXX XXXX that was being financed through Santander Bank into XXXX XXXX XXXX XXXX for a XXXX XXXX. On XX/XX/XXXX I provided a payoff statement to XXXX for what was owed on the XXXX XXXX. However, XXXX did not make the payment to Santander until XX/XX/XXXX, at which point the payoff amount had changed. In turn, there were no payments made towards a {$99.00} balance with Santander Bank by XXXX XXXX XXXX XXXX until XX/XX/XXXX. I was unaware of this issue until I noticed a serious delinquency on my credit report from Santander, stating that I missed three months of payments before my account was closed and the balance was settled. I reached out to Santander on numerous occasions and was told there was nothing they could do since they had already reported my delinquency. I reached out to XXXX  and they told me had I should have checked in with Santander and this is not their responsibility. I am now forced to deal with this serious delinquency on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
Called ARS ( Account Resolution Services ) about 2 medical bills to work on paying off. 
after I called they told me that I owed almost XXXX even thou on the credit report the two bill are XXXX and XXXX. They can not show me proof of all these nor will they remove the others from my credit. I'm not goin to pay for items I never got or received just so they can make more money. the interesting thing also is that they show to have two accounts at the XXXX and two at the XXXX and then these few random small amounts. it looks like they just copied/duplicated the bill and changed account number just to collect more. why do you keep letting the scam artist stay in business.

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 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
This account was behind because i moved from apartment. Did not received letters but started receiving calls. Talked to them and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: GA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Self Financial Inc.
State: NJ

Complaint narrative:
SELF FINANCIAL/XXXX XXXX REPORTING MY SECURED CREDIT CARD SINCE XX/XX/2021 AS OPEN WITH A XXXX BALANCE ... .. 

THIS IS INCORRECT.. 

IT IS A CLOSED ACCOUNT WIITH A XXXX BALANCE I HAVE REQUESTED BOTH SELF FINANCIAL/XXXX XXXX & XXXX  TO CORRECT 4 DIFFERENT TIMES AS OF XX/XX/2021. IT HAS NOT BEEN FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Monday XX/XX/2021, I received a fraudulent call from a person representing themselves as Bank of America. The call came in as caller id as Bank of America. The caller had much of my personal information and said they were calling to stop a fraudulent XXXX transaction for {$3500.00} from being paid from my Bank of America account. They walked me through the steps to redeposit the money back into my account and said they would call me back in 24hours. They did call but this time from a number with no caller id. The call dropped during the conversation. I then called Bank of America to inquire about the status of the the re-deposit and there was no record of such a call. The bank told me I had been frauded and that they would open a case and try and get my money back. The receiver of the funds banked with XXXX. The bank told me that it was unsure if and when I would receive my money. I think since Bank of America offers XXXX to its customers directly in its apps and online banking they should have accountability.

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 2021-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX paid off card XXXX paid in full on web site. No past due balance paid off early. Found out in XXXX I had a past due balance because on XX/XX/XXXX they charged me a finance charge on my XXXX  balance of XXXX and then on XX/XX/XXXX a late fee of XXXX on that XXXX finance charge then on XX/XX/XXXX a XXXX minimum interest charge. 
In XXXX I called and requested the card be closed and even though I did not feel I owed it I paid the XXXX and was told no other charges would be assessed. Today XX/XX/XXXX I noticed the account still open and a charge XX/XX/XXXX for XXXX minimum interest, XX/XX/XXXX XXXX late fee and XX/XX/XXXX XXXX minimum interest charges. 
I called and was told the account was not closed and the person offered to refund the fees ONLY if I left the account open./ He also could not guarantee I would not get fees next month even with the account closure and the fees gone. He said I would still have a balance next month. I asked to speak to a manager and I was put on a silent hold for 40 minutes until the call disconnected. I called the fraud department who refused to open a case to investigate but said they would credit the {$6.00}. 
No resolution- according to the fees I will never have a XXXX  balance. They are shady and dishonest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had an Apple Card since XXXX of last year which is a credit card which can be used via mobile wallet. In XXXX I discovered an identity theft issue with my Apple XXXX  account where someone had opened a bank account under my name using my old drivers license from XXXX Nebraska. After I reported the identity theft issue to Apple my account number for the Apple Card disappeared from my wallet.I also received account statements without account number. Also my device got stolen. For the last two months Apple has refused to give me access to my original Apple ID account which I have been using for the past 7 years and has my personal pictures and data in iCloud back up. Also I was not able to reset my password even though I have my recovery phone. 3 of my Apple devices have been stolen after this incident including my Apple XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

I am still not able to access Apple Card account or use the physical card. I received an Apple Card statement after two months stating my payment was due. This has negatively affected my credit score.

Company response to consumer: Closed with explanation