vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: TX

Complaint narrative:
I recently disputed the items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous accounts and have not provided validated proof of any findings that prove this account was authorized by me. I request per FCRA requirements. This account should be deleted immediately. I also attached a copy of the FTC report including these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displays innacurrate employer XXXX XXXX. I do not work for XXXX XXXX. I work for XXXX. Explained this before

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 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/2021 I was attending a family wake and funeral in XXXX Kentucky. The services lasted from XXXX XXXX - XXXX XXXX. At the end of the day I went to check on my emails and noticed several withdrawals from my account made via XXXX. They were made to a XXXX XXXX in the amounts of {$100.00}, {$300.00} and {$500.00} at XXXX. Both the name and email have never been used by myself. I immediately went to a local PNC Bank and filed a dispute, changed my password, froze my account and set up XXXX pin for transactions. I met with Branch Banker XXXX XXXX NMLS ID XXXX at the XXXX Branch in XXXX KY XXXX. I did everything I was supposed to do. I received a notice from PNC Bank that the said, " dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request documentation we relied on in making our determination. I called PNC again and asked for the documentation used and they didn't have any. They told me to contact XXXX. I tried to contact XXXX and they refused to speak with me indicating, " As per their terms and conditions, they reserve the right to no longer due business with me '' So XXXX is refusing to speak with me and I am still out {$900.00}. Its been 6 almost 7 weeks and after the 3 time trying to dispute the charge with PNC I still do not have any answers or money. XXXX XXXX from PNC is elevating it to the XXXX XXXX but how long should this take? Does this not fall under Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts? Attached is the most recent dispute resolution sent by PNC Bank. They didn't even bother putting it on letterhead this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I was given a loan with OneMain which they secured with my XXXX XXXX XXXX XXXX XXXX Title. They valued the truck engine at {$13000.00} and added {$3000.00} for insurance. This loan was secured at the start of the pandemic in early XXXX. I have been unable to pay and the local office was aware. They recently obtained an outrageous judgement of over {$21000.00} yet will not release my title to me so I can attempt to sell the truck and reduce the amount owed. I was attempting to fight this in court but my witness was ill. I would like an opportunity to try to sell the truck or suggest they sell. Their comment, through attorney, was we dont hold collateral.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
I just realized this just now. 

The cash to close on the closing disclosure sent from the country place mortgage to the CFPB on XXXX was {$590.00}. 

The cash to close that we were told during closing with XXXX XXXX with country place mortgages information on the earnest money contract that we signed XXXX. States that we needed to put down {$7300.00} to close on top of the {$1000.00} deposit that we had already paid. 

They also were requesting this money XXXX when we closed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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:
To somebody who can help me please!! I am deeply very super upset about the enormous crazy things I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : LATE/CLOSED XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: MI

Complaint narrative:
My XXXX account was transferred by XXXX Bank XXXX Optum XXXX around the beginning of XXXX. On or around XX/XX/21, I submitted an XXXX claim to reimburse myself for some XXXX work. My claim was denied and my account frozen/suspended. I contacted Optum XXXX to inquire as to why my account was suspended and I was hung up on twice with no resolution. After calling back again and again, I was finally connected to a XXXX who seemed to be a little helpful, however, this institutions internal policy dictates to the customer when my account will be unlocked and available for my use again. XXXX business days I was told due to my account being cited for fraud. I haven't been able to gain access to my account since XX/XX/21. I feel like my account was transferred to an inferior company with consumer finance compliance shortfalls and technology-related issues that prevented access to my account and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
capitol One quick silver card, i have NEVER MISSED A PAYMENT EVEN PAID IT OFF ONCE, XXXX XXXX  AND OUT OF A JOB, STILL MANAGE TO PAY MINIMUM PYMENT DUE ON TIME, BUT THE INTEREST RATE CAPITOL ONE CHARGES OF INTEREST IS XXXX A MONTH INSANITY! HOW IS A CONSUMER SUPPOSE TO TO LOWER BALANCE WHEN THEIR PAYMENTS ARE MADE ON TIME EVERY MONTH!!! 

AND EVERYTIME I CALL CUSTOMER SERVICE, I GET CONNECTED TO OUTSOURCED AREAS SUCH AS XXXX AND XXXX XXXX AND THEY DON'T SPEAK XXXX WELL AND MAKES IT DIFFICULT TO UNDERSTAND WHEN DISCUSSING ISSUES ON CREDIT CARD!!! 

CAPITOL ONE CHARGES YOU SUCH HIGH INTEREST AND DONT ALLOW BALANCE TO COME DOWN ON PURPOSE! THATS HOW THEY MAKE MONEY!! THAT IS RIPPING OFF LOYAL CONSUMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
On XX/XX/2021 I was attending a family wake and funeral in XXXX Kentucky. The services lasted from XXXX XXXX - XXXX XXXX. At the end of the day I went to check on my emails and noticed several UNAUTHORIZED withdrawals from my account made via Zelle. They were made to a XXXX XXXX in the amounts of {$100.00}, {$300.00} and {$500.00} at XXXX. Both the name and email have never been used by myself. I immediately went to a local XXXX XXXX and filed a dispute, changed my password, froze my account and set up Zelle pin for transactions. I met with Branch Banker XXXX XXXX NMLS ID XXXX at the XXXX Branch in XXXX KY XXXX. I did everything I was supposed to do. I received a notice from XXXX XXXX that the said, " dispute has been resolved. During our review of your account and the documentation available to us, we determined no error occurred and that the transaction ( s ) was processed as instructed. You have the right to request documentation we relied on in making our determination. I called XXXX again and asked for the documentation used and they didn't have any. They told me to contact Zelle. I tried to contact Zelle and they refused to speak with me indicating, " As per their terms and conditions, they reserve the right to no longer due business with me '' So Zelle is refusing to speak with me and I am still out {$900.00}. Its been 6 almost 7 weeks and after the 3 time trying to dispute the charge with XXXX I still do not have any answers or money. XXXX XXXX from XXXX is elevating it to the Regional Manager but how long should this take? Does this not fall under Regulation E, part of the federal Electronic Fund Transfer Act, requires banks to refund consumers for fraudulent transactions on their accounts? Attached is the most recent dispute resolution sent by XXXX XXXX. They didn't even bother putting it on letterhead this time. Zelle is refusing to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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 remove false information off my credit 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 non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
golden one placed two negative marks on my credit due to a system issue that did not advance duplicate payments made over multiple months. Because the dealership did not put the correct number on file. They did not contact me to remediate not even by mail. I was informed of this issue after they placed the first negative mark and after i called the second mark. I havent had one late payment by any of my accounts and my credit score was XXXX now its XXXX i feel like this was done on purpose to adversely and negatively impact my score. 

when i contacted golden one in early XXXX, they informed me that they would fix and it would take 10 days on a recorded call. they issue was that multiple payment in month were not advanced properly. after 10days with no call back. i contacted Golden one and they informed me that they could not correct the issue. I spoke to another rep who said they could fix it and when i called back after 7 days again they again said they would fix one mark and not the other. 

incorrect information from the dealer did not allow me to remediate this issue golden ones billing system not advancing my payments properly. 
golden one not using an alternate way to contact me.

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 2021-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: OK

Complaint narrative:
The mortgage company can not find a payment I made in XX/XX/2021. They have charged me over 12 times for a property inspection of {$20.00} each occurrence. I have called and requested to speak with the department that is supposed to research payments. Ive requested to speak with supervisors. They will not allow me to speak with a customer service rep who will take notes and then say someone will call me back. I have never received a call back. I sent the bank information of the payment on XX/XX/2021. The mortgage company says they can not find the payment although I have sent the documentation showing the payment I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I wrote a personal letter certified to XXXX XXXX head Quarters about a bill for {$380.00} suggested by a direct tv supervisor in XXXX, my letter was delivered on the XXXX of XXXX, I called IC System to dispute the collection and I am getting know where. I made the last payment with Direct Tv and Returned there equipment, when I ask to do so to close the accoun, why I was getting billed they said it was there mistake and they would credit my account in good standings and now this matter has been hurting my credit report and it should be paid in full can you please help me so I can a letter to all 3 credit bureau to get this matter behind me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX

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 2021-11-04 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 remove false information off my credit 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 2021-11-04 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:
Please remove false information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
Stating that i owe a debt that is not mines I am the original creditor Violation of rights sold information to third party

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
My XXXX has XXXX. Frequently calls from XXXX XXXX XXXX debt collector XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: GA

Complaint narrative:
XXXX XXXX, 2021 I disputed an unauthorized transaction deduction from my square cashapp account and have not received a response. I informed them of the unauthorized transfer and they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: AZ

Complaint narrative:
We sold our home that had been financed by a reverse mortgage with HUD and managed by NOVAD Management Consulting LLC. On XX/XX/2021, the Title/Escrow Company ( XXXX ) first contacted XXXX to request a pay-off of the loan with an effective date of XX/XX/2021 ( per XXXX 's requirements ) XXXX XXXX was also provided with my written authorization ( as borrower ) to communicate with XXXX. Multiple written, emailed and telephone requests were made by both XXXX and me. 

The home sold effective XX/XX/2021, but escrow was unable to pay off the mortgage because they had not received a pay-off amount. 

A pay-off amount was FINALLY received by the complainant this morning by email. 
The pay-off amount is calculated to XX/XX/2021, in the sum of {$590000.00} plus a per diem to XX/XX/2021, of {$300.00}, for a total pay off on or before XX/XX/2021, of {$590000.00} Had NOVAD not neglected to provide a pay-off figure in a timely fashion, the pay-off would be slightly less than {$580000.00} -- fully {$3300.00} HIGHER than what we should owe. 

We need help because if we do not have escrow pay off the loan by XX/XX/XXXX, they will continue to charge us more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am a consumer of the United States and Transworld System INC who is a third party debt collector is attempting to collect on a Alleged debt they purchased. Pursuant to the federal fair debt collection practices act they have no right to collect or report on Alleged debt without my written consent nor consent to any other company as well. This is identity theft my information was accessed and sold without my prior knowledge. I am constantly being called numerous times everyday from different phone numbers harassed by mail and threatened. All of this is a direct violation of the Federal debt collection practices act 15 USC chapter 41. Attached is a cease and desist that was sent certified on XX/XX/XXXX they received XX/XX/XXXX certified mail with green return receipt and did not respond to but continues to try to collect on. All of the violations are submitted and remedy that I demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: PA

Complaint narrative:
Stating that i owe a debt that is not mines I am the original creditor Violation of rights sold information to third party

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I need help, XXXX took my money and never applied it to my account then sold it to another collection company. This is from my prior complaint XXXX I reviewed what XXXX has in their records but where did my payments go that came out of my bank account? I have been for more than a year. This isn't right. Do I need to get an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a purchase and then I received an item that was not as described. I tried to contact the merchant several times to return it but they did not reply. I escalated this issue to credit card company ( Capital One ) and they did not help me out. They sided with scam merchant. I'm very disappointed by incompetency that I experienced with Capital One. If I don't receive my {$160.00} back, I will escalate this to government official. This has been ongoing issue for months now and they're not helping me out.

Company response to consumer: Closed with monetary relief