vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
i have money in the bofa edd account that im unable to get. initaily i was asked to verify my identity which i have done 3 times and still im left with the same problem. its been such a headache i would like for them just to mail me a cashier check if they cant clear my account. its been about two months since this problem began. Please I need relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
In my credit report payment history I am showing XXXX CO, XXXX CO, and XXXX N. I have never missed a payment on this account. The letters CO and N on the corresponding months are in red. My XXXX payment was on time and I settled the account for less than what I owed later that month. The representative told me it would not harm my credit to do so. They said it would still be good for my credit score but not as good as paying it in full. Later I found that not to be true. I am working to try to resolve that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Went to get cash out and they took my money and they wont tell me why I have no cash now. I tried calling they wont give me any information

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 2021-04-21 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: GA

Complaint narrative:
Can someone assist me? I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
While monitoring my credit I found a collection account for XXXX dollars, I immediately contacted SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX and was informed XXXX XXXX had placed my account for collections as a result of missing equipment. I did not agree that I had not returned the equipment, but I paid the XXXX dollars to avoid having an active collection account. I Called XXXX XXXX  / XXXX XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX and disputed that I had not returned any equipment. After an Investigation XXXX XXXX agreed with my assertion that they had placed my account in collections erroneously and refunded the XXXX dollars. I then contacted Sequim Asset Solutions at which time I was informed XXXX XXXX would have to notify them the account was not supposed to be in collections and they would remove the negative information from my credit report. I then spoke with XXXX XXXX  and they informed me that they had notified Sequim and XXXX XXXX  could do nothing more with regards to my credit report. To date, nothing has been removed from my credit report with regards to this collection account. I have disputed the accuracy of the information and the information remains. I do not believe that Sequim has actually investigated the validity of the information only that at one time a false assertion and collection was engaged in. I spoke with XXXX XXXX and was informed they had notified Sequim the balance was paid and no further action was taken. This was in XXXX XXXX XXXX investigated My assertion in XXXX and a refund was sent to me in XXXX of XXXX. XXXX at XXXX XXXX considers this matter closed and I would have to Write to XXXX XXXX  for Further assistance. This seems to be a simple mistake to correct but both Sequim and XXXX XXXX  refuse to do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
From the transaction records money from the checking account is being used for purchases we are making with our pre -paid card so I am double paying

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 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
MrCopper mortgage company LOAN NUMBER XXXX Borrower : XXXX XXXX We like to file a complaint to Mrcooper on their business conduction. 
1. ) We are still waiting for the overage, with 3 attempts to them and no responses. 
2. ) We applied for bi-monthly payment and noticed the extra payment is sitting in Unapplied Funds. 
3. ) Previous 2 years, they never disclosed the new adjustable interest rates as noted in the original document 45 days in advance. 
4. ) All emails to them were NOT responded. 

Enclosed is the screen shots on my last 4 transactions on payments. 

Thanks This is not your payoff amount. 
Unapplied Funds XX/XX/2021 {$1800.00} {$0.00} {$0.00} {$0.00} {$1800.00} {$0.00} Principal Payoff XX/XX/2021 {$240000.00} {$240000.00} {$0.00} {$0.00} {$0.00} {$0.00} Monthly Payment XX/XX/2021 {$1200.00} {$750.00} {$520.00} {$0.00} {$0.00} {$240000.00} Additional Principal XX/XX/2021 {$500.00} {$500.00} {$0.00} {$0.00} {$0.00} {$240000.00} Unapplied Funds XX/XX/2021 {$640.00} {$0.00} {$0.00} {$0.00} {$640.00} {$240000.00} Additional Principal XX/XX/2021 {$500.00} {$500.00} {$0.00} {$0.00} {$0.00} {$240000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: GA

Complaint narrative:
Can someone assist me? I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
The Cash App keeps claiming that the transfer of {$50.00} out of the app to my XXXX Checking account was declined by XXXX XXXX. I tried to do this transaction three times, XX/XX/XXXX, XXXX, and XXXX. When I contacted XXXX XXXX  they stated that they had not declined any transactions. I have a secure message from XXXX dated XX/XX/XXXX stating that no transactions were declined by XXXX. I will enclose that in this complaint. 
ON Friday XX/XX/XXXX XXXX Cash App email support claimed that my funds were transferred to my debit card which I don't understand. I was sending my funds to my checking account, not a debit card. On the Cash app the banking information is correct for my checking account. Two days later the funds are not transmitted, and the app states it is declined. I have contacted cash app email support but now they no longer respond to my requests to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
After repeated attempts, Experian was the only credit bureau I was unable to receive my annual free report from using XXXX. After repeated attempts to contact them by phone to rectify this problem, I was unable to ever get passed their automated call screener. My problem could have been very easy solved by a human in less than a minute. I was a victim of unemployment insurance fraud in my state and merely wanted to verify no other fraudulent activity existed on my 3 yearly reports. Experian simply seemingly refuses to supply with with a free yearly report, in violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have paid the required settlement amount of {$5500.00} in full on XX/XX/2021 but a balance of {$2300.00} is being reported on my credit report. The amount agreed upon in the settlement was paid before the date required in the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I was giving my daughter a loan via XXXX. I inadvertantly used an old email and I filed another CFPB complaint against my bank, XXXX  XXXX XXXX. The bank was able to confirm that the transaction was sent to M & T Bank, but since it was a completed transaction, they asked, but apparently M & T would not return my money. Hence, this complaint against M & T Bank. The account that the money was sent to was apparently in contention with my daughter, and she has not accessed the account in months, so it appears that M & T is trying to keep my money {$400.00} for their issues with her account. I don't feel that they should keep my money sent to them in error for a dispute that has nothing to do with me.The account in question is M & T Acct # XXXX. It is my understanding that my daughter has notified them of the error, and also filed a complaint with CFPB, but they are trying to keep my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
It all started XX/XX/XXXX XXXX pm when i received a message from Chime bank saying that my account information had been updated to a diff email and phone number that i had no idea and was signed out of my account. I call Chime immediately to report the issue. Spoke with rep name XXXX told me that i needed to send a copy of my ID and last four of my SSN and correct email ( XXXX ) hacker changed it to XXXX so every time i call they have trouble finding my account until they pull ticket numbers # XXXX is one of them, XXXX told me to try signing into my account within 24 hours, next day came could not access my account called back and was told the account had been closed and will not reopen, asked for a supervisor XXXX # XXXX told me to submit a police report and wait about 48 hours for them to investigate my account, days passed here we are 2 weeks later im still being told that there is nothing they can do and that i will not receive funds. XX/XX/XXXX i received my federal income tax into the Chime account in the amount of {$6100.00} total amount in account with my job funding is {$7400.00} they have never emailed me with and update and every time i call they say i will receive email within 24 hours..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NC

Complaint narrative:
I filed a dispute with Equifax about a month ago on line that the following accounts is fraud on my account. I have been a victim of identity theft 3 times over now and they continue to report false information after you tell them you have no record of account. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. XX/XX/2021 Mortgage company is Amerihome Mortgage Company. Loan # XXXX On XX/XX/2021, Amerihome Mortgage automatically deducted a payment of {$2600.00} out of my XXXX XXXX  account without my permission or acknowledgement. I called them and they admitted their system had made an error and that it would be reversed. They said it would take 7-10 days to show up in my account. This also over drafted my bank account 4 times of {$36.00} each for {$140.00}. After waiting 10 days and it never showed up I called them over and over asking where my money was. They then told me that it was being reviewed by a committee. I called over 20 times to get the issue resolved. I also wrote letters to the department heads as well as the VP and the CEO. I have also asked for a supervisor 5 times and was promised one would call me back, no one ever called me back or wrote back. I called in and spoke with a supervisor on the last day of the month and she told me not to worry that it would be reversed and I would not have a 30 day late on my credit. Today I received a letter stating that my XXXX payment was now late and I am in danger of foreclosure, and they are reporting me 30 days late on my credit which is unforgivable! They have never returned the funds that they fraudulently took and now they do not show that they took it out. or that I made a payment. I can prove that they took the funds and I can also prove that they never returned them to me or XXXX XXXX. I have called them repeatedly to help me and no one will. I have asked 5 times to speak to a supervisor and not once has one called me back. They are now telling me that they issued a check on XX/XX/XXXX but I never received a check, they also show that the check was never cashed. They claim they can't help me because they are all working remotely and can not get anyone on the line to correct the situation. PLEASE HELP ME ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-04-21 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: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-04-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I received a matured notice by XX/XX/XXXX want XXXX try talking to company tried to get a extension but told no want there money I dont have that kind of money in such a short time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I sent CENTRAL PORTFOLIO XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) a letter in XXXX with tracking number XXXX requesting Can you please provide the date of delinquency, a copy of the Dunning Letter, your license that you can collect on my state, a copy of the contract with the bill of sales, a copy of the application, a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which they are reporting to the credit reporting agency. I dispute the accuracy and the validity of the account. THEY FAILED TO INVESTIGATE AND RESPOND IN 30 DAYS! 

They responded with a letter with the date of XX/XX/21 and the letter is insufficient. 

CENTRAL PORTFOLIO is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I am a coinbase.com user. I also have a coinbase card with them. On XX/XX/XXXX I transferred XXXX $ to my coinbase account then attempted to make a purchase of a tv for XXXX, when it got to the visa verification the card VERIFICATION failed, no purchase was made but coinbase still took the XXXX from my account. They are not responding & since the card is from then And the money is pulled from them they are my only customer support. But they will not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
This letter is being sent to you in response to a telephone call made to me on XXXX XX/XX/2021 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested. 
This is NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation