vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Anyway, they told me to go back to the bank and get veri ) ed a second time.So I Did and the banker and I were on the phone with them to do that. When all was done they said they would do a reversetransfer of the money within the next 10 day. I said I have to wait another 10 days. He said it probably won't take that long.ok so I waited 5 and emailed the banker that I don't see anymoney yet. So she called themand they told her that I was the one who authorized the transfer. which i did not do. Sonow she gives me another # to call. So call that one the next day.And of course go 3 more people before one would tell me what was going on. And she told me that I gave them the pin # toverify myself. I told her no but she was not listening. And she also told me their were 6 otherusers on my account. So howdoes that happen without my knowledge So 3weeks later they tell me they are not giving me my money back. So i believe theywere giving me the run aroundtill they didnt have to pay me. I asked don't you have Insurance for this and she saidthats not how it works

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 2021-08-11 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: GA

Complaint narrative:
Back on XX/XX/2021, I contacted TransUnion & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX. I informed them & provided documents stating that this account needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, TransUnion has refused to remove that account. At the same time that I contacted TransUnion, I also contacted XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from XXXX XXXX  via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the account referenced on my TransUnion consumer report does not belong to them. Additionally, the same documentation that I also sumbitted to them via hard copy through the US Postal Service was returned to me with a notation from the Postal Service that the company does not exist. Therefore TransUnion immediately needs to delete / remove this fraudulent account from my consumer report within their database.

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 2021-08-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX I applued to XXXX XXXX in the attempt of builing my credit .The adverse action I was denied accordibg to correspondance from XXXX XXXX .no credit report found. Reporting agency XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX ( XXXX ) XXXX When i attempt to request my report. It has not ever alliowed me onlune when I attempt to call a request it want sll my idendification. 
With agressive I D theft and all credit agency have alrered comprimiswd my identuty. My attempt tovretrive mu user name its incorrect ( the email gave me user XXXXXXXX XXXX XXXX XXXX  when I updated it almost a year ago to XXXX XXXXthe last credit report I was able to hiew was XX/XX/XXXX based on coass action im supposed to receive credit wors I do not. And now it says Sorry your credit report can not be viewes because the details may be inncorrect XXXX.7 years later And i still receive the same answer. Nothing from XXXX my allegatuon they are organized with colkar crimes i have reports from XXXX and all tge frayd on all three reoorts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have a XXXX XXXX loan service through LoanCare corp. and i have been unable to get them to extend the loan for an additional 90-days as allowed by the CARES ACT. The current forbearance agreement ends on XX/XX/2021. I first reached out to them on XX/XX/XXXX, less than a month before the end of forbearance and i was told that i need to call back the following week. I reached out again on XX/XX/2021 and I was told that it wasn't possible to extend the loan in their system until the following week. So i reached out to them again today XX/XX/XXXX and I was told the same thing to call back again the following week. This sounds like an intentional SCAM by this servicer to rob me of my home via a convoluted, meaningless process to waste time and then place my mortgage in a foreclosure process. THIS SERVICER IS FRAUDULENT. I HAVE NO CONFIDENCE IN THEIR PROCESS ANYMORE. 

I do not have to contact them six times within 30-days of my current forbearance agreement for them to take the requested action of extending the forbearance for the final 90days. Please help against this fraudulent loan servicing company. They are trying to steal my house via a convoluted mechanism to access lawful resources.

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 2021-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
AD ASTRA RECOVERY at XXXX XXXX XXXX XXXXXXXX XXXX, KS. XXXX has been sending me collection notices in the amount of {$230.00}. the collection is being reported as late balance. I do not acknowledge AD ASTRA RECOVERY and have not every done business with them. Nor have i agreed to any terms or have a written contract with AD ASTRA RECOVERY, they are harassing me with negative reporting, they have failed to provide the proof of signature i requested numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I opened a CareCredit account in XX/XX/2021 to pay for a XXXX for a pet. The card has no interest payments for 12 months. My goal is to pay the card off during the first 12 months to avoid paying any interest. I paid {$450.00} on XX/XX/XXXX. This amount is equal to XXXX of the total amount. In XXXX I received an email stating that my XXXX payment was late and they were charging me a {$29.00} late fee. I contacted Synchrony Bank, the issuer of the card, and they removed the late fee because it was determined they never notified me that a payment was due. They also agreed to allow me to make a payment on XX/XX/XXXX in the amount of {$450.00}, and to start automatic payments for the month of XXXX. However, they didn't deduct the funds from my account for the month of XXXX and told me no payment was necessary until XX/XX/XXXX. I called on XX/XX/XXXX to discuss why no payment will be made for the month of XXXX. My call was disconnect 3 times, even after I asked the customer service rep to make sure we wouldn't be disconnected, due to the long wait times. I'm frustrated with the process because they don't listen to me and kept telling no payment is due for XXXX. I explained to the CSR many times that I didn't want to accrue any interest on the account. All I want to do is to pay 12 equal monthly payments. They are making this process very difficult. It seems that they are doing everything possible so I won't pay the card off in 12 months so they can make more money on the accrued interest.

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 2021-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau
State: FL

Complaint narrative:
This debt collector by name Medical Business Bureau MBB, did not provide a right to dispute in the collection notice they sent to me. They claimed they have removed one of the alleged debt account but they need to also remove the remaining four. The reference numbers are XXXX, XXXX, XXXX and XXXX. They have also not validated any of the alleged debt accounts just listed, despite the attached certified letter to that effect, which by the way they received over 45 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My BarclayCard account was closed a few years back but I still carry a small balance on it. My online account was closed and I am no longer able to log in and make payments, or retrieve statements. My due date is approaching but the company won't grant online access so I can make my payments. I was advised they closed my online access because it was flagged as fraud ; they won't advise me what caused a fraud alert either. The male I spoke with said he didn't know what flagged it as fraud and that we wouldn't reestablish my account access. At this point I have not received my statement for the month because I am enrolled in e-statements. I submitted a claim with the same rep and he said he wouldn't provide me a case number. I had callback about 30 minutes later to obtain the case #. A claim not submitted and a response was expected within 1-2 business days but still no response.

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Coinbase, Inc.
State: AK

Complaint narrative:
On XX/XX/2021, Coinbase sent me the following email : " We noticed suspicious activity on your account and have suspended it for your safety. If you believe this was in error and are ready to reactivate your card, please contact us. '' When contacting Coinbase on XX/XX/2021, phone representatives indicated that the card was still in an active status but transactions were being declined. The representatives indicated this request would be internally forwarded. 



I received a message on XX/XX/2021 stating : " Our team has completed our investigation of XXXX or more recent transactions which violated our Cardholder Agreement. We've determined that you do not meet the criteria to unblock your card. '' However, I was not informed of any transactions that violate the Cardholder Agreement. Furthermore, in the Cardholder Agreement there are the lines : " If we refuse to approve a Card Transaction and/or restrict, suspend, or terminate your use of the Card and/or any or all Coinbase Services in this way, we will ( unless it would be unlawful for us to do so ), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination. '' When asked for this information, Coinbase refused to provide any more detail on this suspension. I have not been provided any notice of suspension ( other than the initial notification indicating a temporary operational suspension ) and no reasons for Coinbase 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: UPGRADE, INC.
State: FL

Complaint narrative:
The 3 credit report agencies have put me on early warning services and with speaking to all three number of times refuse to tell me why my information was leaked with someone else. 

Also UPGRADE BANK APPROVED ME FOR A LOAN AND WITHOUT AUTHORIZATION OPENED A CHECKING AND IN MY NAME AFTER I SUBMITTED DOCUMENTS FOR A LOAN NOT A CHECKING ACCOUNT!! 

I WANT THE CFPB TO GET UPGRADE TO CLOSE THE ACCOUNT THEY WILL LOCATE WITH INFORMATION PROVIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I called this company about a year ago, when I noticed a collection on my credit report. The collection is not a collection of mine, it is fraud. 
I have asked the company to submit to me proof of contract, which they havent. Also, the supervisor told me in order to get the account removed from my credit that it would have to be paid in full, and that was the only way. The collection company was paid in full but was never deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: SC

Complaint narrative:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: OH

Complaint narrative:
Someone broke into my car a few months ago and now I am seeing request for my credit that I did not do. I have attached a copy of my identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSH & Associates, LLC
State: MO

Complaint narrative:
I applied for a mortgage on XX/XX/2021, and a collection for a medical debt was on my report I did not recognize. The collector reporting it is XXXX XXXX XXXX. 

I contacted this collector on XX/XX/XXXX, to attempt to get information on the nature of this debt so that I may resolve it if necessary. They were not able to locate any account under my name, address, or social security number. I even provided them the account number on the credit report and they confirmed that they are unable to locate anything, and I was advised to dispute this account with XXXX. I promptly disputed this account with XXXX, and that investigation took 30 days. The investigation concluded and XXXXXXXX XXXX XXXXXXXX validated the information as accurate. 

Now, I am unable to pay or get information on a debt that does not exist with the party furnishing the information, and the credit bureau stating that the party verified the non-existing information. I demand a thorough investigation into this sequence of events and a detailed explanation or cancellation of this from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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:
I have attached two accounts reporting inaccurately to all three of my credit bureaus, I have attached pictures highlighting everything that is reporting inaccurately. Per the FCRA anything reporting to my credit bureaus should 100 % de reporting accurate. Please delete

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 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I applied for a mortgage on XX/XX/2021, and a collection for a medical debt was on my report I did not recognize. The collector reporting it is XXXX XXXX XXXX. 

I contacted this collector on XX/XX/XXXX, to attempt to get information on the nature of this debt so that I may resolve it if necessary. They were not able to locate any account under my name, address, or social security number. I even provided them the account number on the credit report and they confirmed that they are unable to locate anything, and I was advised to dispute this account with Experian. I promptly disputed this account with Experian, and that investigation took 30 days. The investigation concluded and XXXXXXXX XXXX XXXXXXXX validated the information as accurate. 

Now, I am unable to pay or get information on a debt that does not exist with the party furnishing the information, and the credit bureau stating that the party verified the non-existing information. I demand a thorough investigation into this sequence of events and a detailed explanation or cancellation of this from my credit report ASAP.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached two accounts reporting inaccurately to all three of my credit bureaus, I have attached pictures highlighting everything that is reporting inaccurately. Per the FCRA anything reporting to my credit bureaus should 100 % de reporting accurate. Please delete

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 2021-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached two accounts reporting inaccurately to all three of my credit bureaus, I have attached pictures highlighting everything that is reporting inaccurately. Per the FCRA anything reporting to my credit bureaus should 100 % de reporting accurate. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
I went to pay my rent at ACE Cash Express, I handed the clerk {$1000.00} dollars cash. The {$900.00} for rent payment and the service, The rent was not all pay, nor did I get the service fee and correct amount. The clerk at ACE Cash Express did not submit correct amount of money after giving her {$1000.00} cash to pay {$900.00}, rent fee. 

Once I realized she did not put the correct amount I did realize the error until my property manager contacted and informed me of the {$400.00} dollars shortage and that I did not get my correct change from the transaction fee. 

I am very upset that ACE Cash Expree, caused me to get a notice of eviction, and late fee! I request that the drawer be counted and was denied. I also requested to file Complaint with Federal Trade Commission, Elder Abuse at time of transaction. 

Thank you your prompt attention to this urgent problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MN

Complaint narrative:
As you can see from attachment monthly statement, I am {$23.00} ahead in my payments with the next monthly installment due XX/XX/21 in the amount of {$420.00}. Now, as of XX/XX/21, my account says that I am {$95.00} past due and new total of {$320.00} is due on XX/XX/21. How can a past due amount reduce an amount that isnt due yet. This is outright FRAUD!

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 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I was forced to pay a debt that wasnt mines. I ask to send the contract that matches my address and they didnt. I was told that that debtvwas at my current address which is frivolous. I dont have never had XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation