vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
I have received alerts within the past few weeks from all 3 of my credit bureaus showing that a collection company called Radius Global Solutions has entered two new collections into each report. I do not recognize either and have no idea what these accounts belong to. I have never received any communication in writing, by phone, fax or otherwise from this company or anyone representing them stating what this is for, who the original creditor is or anything else. All I know is the amounts are for {$850.00} and {$72.00}. 

I am including screenshots of the most recent ones.

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 2021-05-13 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: OK

Complaint narrative:
I have submitted multiple requests to have student loans removed off my credit report. I have submitted proof that this needs to be removed. I have had to call multiple times. Im tired of deal with this. It should have already been removed.

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 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I purchase a cruise reservation with XXXX XXXX XXXX for a total of {$11000.00} ( see statements and account summary from XXXX to XX/XX/XXXX ). Some time later I received communication from them that they are postponing the cruise due to Covid and they rescheduled it. As the next cruise approached in XXXX I received another call that they would have to cancel that cruise as well. This time I asked for a I asked for a refund and XXXX XXXX was very helpful ( see letter from XXXX XXXX chief marketing office ). In XXXX of XXXX they refunded my {$11000.00} to my Citi XXXX XXXX card. Please see statement attached, On XX/XX/XXXX of XXXX the {$11000.00} showed up on my Citi Visa card as a credit ( see statement cardholder summary from Citi ). 
I called Citi and asked that the {$11000.00} credit be placed back in my personal checking account. They agreed and said it would take three to five days. I've waited and it has not shown up. I called again this morning and was transferred several times. Finally it was escalated to a woman named XXXX team XXXX fl. She gave me a different story. First she said it takes longer than that. When I asked why she said they were waiting on the refund department conditions? She didn't know what conditions. She became rude and said I'd just have to keep calling back. I asked for her contact information. She said she doesn't have a phone. She said she doesn't have an email. She put it back on me to find the exact dates of the payments to XXXX. After we hung up I pulled up my records and found the dates. I called back and got someone named XXXX. We asked for XXXX. He couldn't transfer us. We told him we had the information XXXX wanted. He didn't want to take it. He said the dates have nothing to do with it? They had so many excuses it didn't make sense. He said they are waiting for refund department. I asked to speak to the department that does refunds. He said no. They don't have a phone. I'm sure this is happening to thousands of people trying to get their refunds. During this difficult time we can't afford this cruise money to not be refunded.

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 2021-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Mercedes Benz Financial Services ( MBFS ) deducted a payment from my checking account 3 weeks after I turned in the vehicle at the end of the lease. They indicated the dealer Mercedes Benz of XXXX did not pay off the vehicle when it was turned in. I called MBFS on XX/XX/21 and they said they would refund in 2-3 days, but after XXXXhree days I received no refund. I called Mercedes Benz Financial Services today and now they are saying they won't refund my money for at least 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I took a copy of my credit report on XX/XX/XXXX from transunion. I have seen 2 inquiries on my account from XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX, DeXXXX XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.

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 2021-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have done everything possible to get my XXXX money from this company since XX/XX/XXXX. It now XX/XX/XXXX. I have been filing my weekly claims and the money has been going on to the card every week for almost a year but I still do not have access to my money because I still have not received my ReliaCard in the mail. It says they sent it out last year in XXXX, but it never came because I moved. I changed my address on my account, I got my address changed on my driver 's license, I have called every number possible to verify my identity with ReliaCard as well as verified my ID on their website by taking a picture of my driver 's license and a selfie, more than several times. Still nothing. I am about to get evicted from my home because I am so behind on rent as I have been waiting months to get my XXXX money to get caught up on bills. This company is extremely unprofessional and I believe it is fraudulent. I am not the only one having this problem, I am one of thousands of XXXX  who still have not received their XXXX money whose life is now in shambles because they have been relying on this money to get by! Please help!!!! I just want them to mail me my new ReliaCard with the account unlocked so I can access my money and keep my home!

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 2021-05-13 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:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WI

Complaint narrative:
From XX/XX/XXXX - XXXX, I unsuccessfully attempted ten cryptocurrency withdrawals from Binance.us. Each time, it stated I needed to verify the withdrawal in an email from them, which I never received. My email was working normally, I XXXX each email address that Binance.us specifies on their site, and I checked my junk and deleted folders. I never received any emails from them to verify the withdrawal. During this same time period, I submitted multiple support tickets. I finally received a response on XX/XX/XXXX, one week after submitting my first help ticket, asking if I still needed help. I responded the same day stating that of course I still need help, nothing magically changed and they still had not provided any support. As of XX/XX/XXXX, I have not received any response from Binance.us, and I still can not withdrawal my cryptocurrency funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: PA

Complaint narrative:
On Friday XX/XX/XXXX I received a text message indicating that my father sent me {$20.00} through Cash App. I clicked on the link to receive the money and it took me to download the app. Once the app was downloaded I went through the process of signing in. at one point it asked me to confirm the card number XXXX. I did not recognize this as the last 4 digits of any of my cards so I chose whatever option was at the bottom of the screen indicating that I was not able to complete this task. The app then took me through the process of what I realized after was creating a new account. After this was completed I went back to the original text I had received to accept the {$20.00} and I was informed that the money was already claimed however the {$20.00} is not in the account I had just created. 

When I informed my father of this he confirmed that when he went to send me the money it indicated to him that I already had an account. In the process of setting up the new account it asked me to enter my debit card number, it was through doing this that I realized the " XXXX '' was actually the FIRST 4 digits of my debit card, therefore this also indicates that I already had an account prior to the one I had just set up. 

I contacted Cash App that same morning via an online customer support message. I did not receive a message back until the next day, Saturday XX/XX/XXXX. I responded to the message from XXXX and included as much of the information she was requesting as possible. I did not receive another message back until Monday XX/XX/XXXX and that message was from XXXX, asking for similar information. I replied to this email and did not hear back again until yesterday XX/XX/XXXX from yet another person, XXXX, again asking for the same information that I explained in the previous emails that I did not have. 

I called Cash App yesterday and spoke with a customer service representative and explained my frustration with the email communication and requested to speak with one person to resolve the issue. She instructed me that I would need to communicate via email for security reasons. I asked to speak with her manager and she was unable to connect me with a manager. 

No one is able to provide an answer or explanation as to where the {$20.00} went.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and several collection agencies continue to place this outdated paid by settlement colelction account on my credit reports. This debt should not be allowed to be purchased by collections agencies because it was paid in settlement and the date of first delinquency is too old to be reported to my credit report. The collections agencies keep changing the dates allowing the credit bureaus to keep it on my credit for longer than the allowed number of years. I have disputed this debt to all credit bureaus but they continue to say they investigate but the dates are correct but they are noted. You can tell by viewing very old credit reports that show these same depts under different collections agencies in prior years. The date to be removed date continues to change. This debt was paid in full by settlement and the date of the first delinquent is incorrect on my credit report. This account should be removed from my credit report first because the XXXX is older than 7 years and because this account was paid by the settlement to the collection agency. This Item was placed for collection in XX/XX/2004 and has remained on my credit since that time.

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 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
We entered into a loan modification with Dovenmuehle in XX/XX/XXXX. We were repeatedly assured that we would not be considered behind on our payments, that our credit report would not be affected, and that we would be given options at the end of the agreement for how to repay the remaining amount. One of the options given was the ability to add the remaining debt amount to the overall loan amount at the end of the modification term. Without any notice to us, Dovenmuehle was placing our loan payments into a suspense account, considered us delinquent on payments, and transferred our mortgage to a debt collector in XX/XX/XXXX, all without notice to us, as is federal law, that we were considered delinquent, and with no option to repay. The debt collector came after us for a balloon payment and threatened to foreclose immediately. Dovenmuehle reported on our credit that we were 60 days late. We had to beg and borrow money from family members during a time of extreme financial distress in order to keep our house, while also having our credit impacted by the delinquent report. 

We argued our case with Dovenmuehle for most of XX/XX/XXXX to no avail. We filed a Consumer complaint about Dovenmuehle 's unlawful and unkind practices in late XX/XX/XXXX, to which Dovenmuehle finally responded, via a mailed letter in XX/XX/XXXX ( attached ), that they made the credit report in error and would correct the issue. After a few more months of waiting for it to be removed from our credit report, we spoke with Dovenmuehle again and were told that they rescinded the correction in XX/XX/XXXX, AGAIN with no notice to us. We also contacted Transunion to try to get some traction on this issue, and they were completely unhelpful, stating that Dovenmuehle does not want to remove the erroneous reporting, so there is nothing they can do. 

We have gone around and around on this issue for a year and a half, and it is way past time for something to be done. We should not have to suffer for Dovenmuehle 's unlawful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I took a copy of my credit report on XX/XX/XXXX from XXXX. I have seen 2 inquiries on my account from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: MI

Complaint narrative:
I took a copy of my credit report on XX/XX/XXXX from transunion. I have seen 2 inquiries on my account from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.

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 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC
State: MA

Complaint narrative:
I received a letter about an alleged debt for the amount of {$960.00} dated XX/XX/2021. I then began to receive phone calls about the alleged debt. The phone calls were rude they used obscene and profane language, the people I spoke to were combative didn't allow me to finish my sentences, they talked over me, didn't answer my questions, they asked me to confirm information they had about me that I didn't give them permission to have. at this point I felt harassed so after they called the second time I called them back and told them they no longer have permission to contact me by phone and all communication must be made through mail. I examined the letter and found a bunch of violations according to the fair debt collection practices act. I responded to the letter I received with an affidavit within that affidavit I listed all the violations I found with labeled exhibits. I had my documents notarized and sent them XX/XX/2021 via mail. it has been over 30 days and I haven't received a response to my affidavit or invoice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
How come in the XXXX century when I pay {$9000.00} on my credit it takes days for it show up with reduced ballance this nonsense it should be immediately. It comes out of my account immensely but does not show up in ballance. Also why in XXXX name arent these interest charges capped I cant get nothing in the bank on interest on my money but credit cards can charge in 20 % range its a joke even XXXX XXXX XXXX had usery laws to keep money changers from charging whatever they wanted. Theres no competition between credit card companies if there or value as a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited an Insurance check into my XXXX XXXX account and it cleared with XXXX, but when the check was sent to Wellsfargo it was denied and the funds were taken out of my account. Wells Fargo denied the checks because of an endorsement issue. I had initially attempted to deposit the checks on XXXX mobile deposit but I was over my deposit limit for the month. The app instructed me to place mobile deposit only on the back of the check so of course, I did. When the checks couldn't be deposited by mobile deposit I went to the ATM and the checks were accepted. Three days later the funds were taken out of my account and XXXX charged me a {$25.00} return fee. The amount of the money returned was {$6800.00}. I now have to ask the insurance company to reissue the checks and to this day they have not. This incident occurred on XX/XX/2021.

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 2021-05-13 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: NY

Complaint narrative:
Since XX/XX/2021 I have been sending letters and calling the credit bureau TRANSUNION to request them to remove 51 inquiries and 5 collections accounts that have been fraudulently done. In XXXX they said i need to submit a police report. I went to the police department in XXXX New York and made the report and the police sent me a conformation of the report. I have sent them that report by USPS 17 times along with copies of my driver 's license, copies of my social security and a list of the inquiries and collections. I never got a response from them. First they ask me to give them the ID number for the detective that is handling the case. I did that and gave them that ID number of the detective. Then they wanted me to send them copies of the police report that is handling the case and I sent them that information. I sent them everything they requested and now they want me to send them a report with a list of all the inquiries that I want removed. But I sent them the list already because on the police report, they didn't validate that information. I called the police department again and asked them to send me a list of the inquiries. The detective XXXX told me that the report was already done that way and they have to accept it that way. I spoke with a supervisor at TRANSUNION this morning and he rudely told me that they will not validate that police report. And they are going to leave the inquiries and accounts on my credit report even though I have proved to them that they are not authorized by 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 explanation