vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Resident of XXXX XXXX my unemployment funds were added to my prepaid EDD card the early hours of XX/XX/XXXX, at XXXX I called to let Bank of America know that the max withdrawal had been made in a completely different city than I was. BOA rejected the claim less than 24 hours later and have not provided and would not respond to question about camera footage that they had advised they would obtain. 
I sent proof of my location via XXXX phone tracking and an image of my govt issued photo ID ( which they requested but did not wait for before dismissing my stolen money ).

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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I opened account with Gemini Crypto Exchange located in New York. I deposited money using Gemini ACH direct deposit. As soon they collected funds from my XXXX bank they frozen ability for me to use my funds. I can not even withdraw them back to my XXXX bank account. 

I tried to submit numerous tickets. I tried to call them. No response at all. 

Please let me know if you can help. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: CA

Complaint narrative:
There are two accounts on my credit report that do not belong to me I need this off my credit since this is not mine and I did not authorize these cards to be taken out or used for that matter XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX - 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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Synovus Bank
State: GA

Complaint narrative:
I noticed that my cellular device lost service. I notified my phone company and they fixed the issue on the XXXX of XXXX. On the XXXX of XXXX I experienced the same issue. I contacted the phone company the same way I did on the XXXX. The phone company notified me that I should change sim cards to ensure security. The following day XXXX XXXX ) I logged into my bank account and saw XXXX XXXX dollars had been drawn from my account via a XXXX transaction. I notified my bank and filed a dispute. I also filed a police report on the XXXX. I contacted my bank numerous times throughout this process and was given " the run around ''. The bank failed to notify me on any sort of update throughout this process. On XX/XX/XXXX I received a letter in the mail stating the " transaction was valid ''. I appealed the decision on the XXXX and have not heard an update. I have tried to contact the dispute department and request the documentation they used to determine that the " transaction was valid ''. I have also requested that the supervisor contact me to provide documentation " proving these transactions were valid. I have not received this information and no one has reached out to me. I am now seeking professional help to get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19 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: CO

Complaint narrative:
Equifax Credit bureau is my problem. They removed my credit score because I was reported deceased on my oldest account. My grandmother and I had the same first and last name and she passed away 11 months ago. Somehow, our profiles were connected. My credit card company XXXX XXXX  XXXX ) and I have filed over six disputes. I still can not see my credit score. Ive called over 100 times, literally since XXXX only for the problem to continue. Even after Equifax has been notified and aware of the error, 2 accounts was added in error which I had to dispute in order to have it removed. My oldest XXXX  XXXX card has been added back to my report but still showing closed. Removing that account deleted over 5 years of excellent payment history. It damaged the score I did have prior to the score being completely removed. I work so hard to come thus far only to have this happen. I just want to see my credit score which I have not been able to do since XX/XX/2021. I keep being told to just wait 30 to 45 days when following up. Today I was told that I needed to purchase a subscription with Equifax to see my FREE credit score. I did purchase it on myequifax.com and I still cant see my credit score. I am getting completed dispute letters saying my report is being updated but I still cant see the changes or my score. Why is this happening to me? I keep asking for a US representative when I call but keep getting foreign representatives who dont understand me. This has been the most emotional, hurtful, stressful and disheartening experience Ive ever had. I understand mistakes are made but its been months. I just want someone to help me. It has been extremely difficult to keep telling representative, after representative, after representative .... that my grandmother is no longer here. This is a consistent reminder of the pain I feel in her absence. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
I contacted First Federal Credit Control of XXXX XXXX in Ohio on XX/XX/2021 to pay off two debts. After completing payment over the phone via credit card, I received an email confirming deletion of accounts was requested. I waited after some credit bureaus still reported the account after 45 days ( one was deleted, one wasn't ) and contacted FFCC via email for them to honor the letters ( both dated XX/XX/2021 ). In addition I disputed the account as it still showed on my credit report. On XX/XX/2021 I received a response from XXXX that the account information will remain. I retained my bank statement from XXXX and the letter from FFCC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Violation of Fair Credit Report Act. Section 604. Equifax reports shows a chargeoff account for Macys. The report states that the account was opened XX/XX/XXXX and closed XX/XX/XXXX which is a total of 12 months and 3 days. 

Reports states that the account has been reviewed for 72 months, which would be a total of 6 years and 8 months. This is obliviously impossible since 72 months is 5 years and 7 months longer then the account was open.

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 2021-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
According to Carrington Mortgage Company , the assistance program that is put into place due to COVID-19 and covered under the CARES ACT to protect homeowners in need during this critical time : Carrington stated that during the forbearance period for all loans that customers would not be required to make a regular monthly payment, would not assess any late fees or other fees, and the current credit reporting status would remain the same every month during the forbearance plan. Before the pandemic, we never missed a payment and had no late or any other fees attached to our loan. Our credit report has been seriously damaged due to the negative credit reporting by Carrington. We are currently still in the forbearance due to Covid and the winter storm in Texas. Our credit report shows an increase of ( {$1600.00} XX/XX/XXXX ), ( {$4900.00} XXXX XXXX ), ( {$1600.00} XX/XX/XXXX ), ( {$1600.00} XX/XX/XXXX ), ( {$2500.00} XX/XX/XXXX ) ( {$1600.00} XX/XX/XXXX ), and ( {$1600.00} XX/XX/XXXX ). I have made several phone calls to Carrington and have sent several letters via fax. This company has continued to ignore my request to correct and remove these added-on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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:
There are two accounts on my credit report that do not belong to me I need this off my credit since this is not mine and I did not authorize these cards to be taken out or used for that matter XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried several times to solve a problem with the support in adding my bank account, all attempts were requested by the support that contacted me, and for some unknown reason blocked permanently my account, locking my emails and my bank account, I didn't have any answers as to why they did it being that i've always used the service normally and legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
according to 15usc 1681 under the exclusion section 2a1 the fair credit act states the company must show proof of ownership to debt i asked for original paper work to accorded debt in XX/XX/2021. i have not received any reply nor have they took off this debt that i do not own.

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 2021-05-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have contacted XXXX and XXXX on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for CBNA ( Citibank ) - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.

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 2021-05-19 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: CA

Complaint narrative:
I have contacted XXXX and Equifax on several occasions requesting that they investigate a derogatory account that is past the statute of limitations for being on my credit report ( 7 years ) - for XXXX ( XXXX ) - which is is showing as a derogatory collection because it was settled in full. 

On both occasions the credit bureaus ignore my written requests for removal of this outdated information, and they don't respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sent a wire transfer from my savings account at Wells Fargo through online banking on XX/XX/2021 in the amount of {$5000.00} to a title company to assist my daughter with funds to close on her mortgage loan. Wells Fargo also charged me a {$30.00} wire transfer fee. The wire transfer was never received by the recipient bank. Wells Fargo has not contacted me at all to say if there was a problem or if they needed more information. Wells Fargo is just holding my funds. I have spent many hours on the phone with customer service, online customer service, online claims, the wire transfer department, customer advocacy and even went into a bank branch. I have sent several emails to various departments that I thought might be able to help. I have been informed that Wells Fargo is holding my money but none have been able to resolve this problem or have the funds either sent to the intended recipient or returned to my account.

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 2021-05-19 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: CA

Complaint narrative:
I Saw two accounts and two inquirires that are not mine they do not belong to me and I have not signed or authorized these accounts or used them for that matter I need help removing these from my credit report they are not mine!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - CARD SERVICE Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

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 2021-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
on XX/XX/2021, i called XXXX XXXX to make my payment, it was XXXX, after i made my payment, my payment was due on XX/XX/2021, I called customer service to ask that my fee be wavier, but i was told that they only wavier fee once in 18 months and that i had did this 18 months ago. I told customer service that i always pay on time and pay more than the minimum payment, she said that she could not wavier the late fee, i said i would call to speak to a supervisor. I have been a great customer, never missed a payment. I don't need a late payment fee on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I DID NOT CONSENT TO AUTHORIZE ANY OF THE ATTATCHED INQUIRIES THAT HAS BEEN ILLEGALLY FURNISHED ON MY CONSUMER REPORT IN VIOLATION OF 15 USC 1681(c)(1)(A).

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 2021-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
GM Financial, had not provided me with a billing statement since XXXX XXXX.. For an auto loan. Ive been lied to multiple times by the employees on phone. I been promised billing statements, they said via email, but I dont get one. Ive been battling this corporation for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am a XXXX in XXXX Az and represent the seller. The buyer came prequalified with a loan from US Bank, XXXX XXXX XXXX, NMLS XXXX. All communication via the Loan Status Update document and other email showed the buyer as being prequalified but 3 days prior to closing, US Bank decided to deny the loan because of something on her credit from when she was married years ago. This wasn't something new that just happened and should have been caught during the weeks leading up to closing. They were unapologetic and would never give anyone a clear reason as to why the loan was denied. I never received anything in writing alerting us to a potential issue. 

The seller during this time had moved to TX and put an offer on a home, now risking the loss of earnest money because of US Banks negligence. The buyer quickly found a lender at XXXX who said they could close in 2 weeks if US Bank would supply the appraisal. US Bank said they would and promised each day to send it over but kept dragging their feet and delaying the paperwork. We should have known they would not do as promised and just ordered a new appraisal. 

Now, we are days from the second COE date and they still have not supplied the documents promised. During this time I have called my several contacts at US Bank numerous times to complain and plead for help but no one has returned my calls. I told them several lives are being held hostage and unable to move forward because of their negligence but they still do not seem to care. The lack of fiduciary duty by these in the mortgage industry is embarrassing to our industry and a cause for concern. They should not be practicing in this industry. Please let me know if there is any recourse with US Bank.

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 2021-05-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
All of these hard inquiries are on my XXXX  report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull Wells Fargo dealer XXXX XXXX Hard inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized )

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 2021-05-19 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: CarMax, Inc.
State: GA

Complaint narrative:
All of these hard inquiries are on my XXXX  report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull XXXX XXXX XXXX  XXXXXX/XX/2019 Hard inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) Carmax Auto FinancXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXXXXXX/XX/2019 Hard Inquiry ( never authorized )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Westlake Services, LLC
State: GA

Complaint narrative:
All of these hard inquiries are on my XXXX  report, which I've placed a fraud victim on my report so I'm unsure how these agencies were able to authorized a credit pull XXXX XXXX XXXX  XXXXXX/XX/2019 Hard inquiry ( never authorized ) Westlake Service INCXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized ) XXXX XXXXXX/XX/2019 Hard Inquiry ( never authorized )

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 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I am yet another customer affected by Mr Cooper 's payment system issue, however it seems that I may be in the minority who have yet to receive the refund. My mortgage loan was transferred from XXXX to Mr. Cooper on XX/XX/XXXX. After loan setup, I made the XX/XX/XXXX Mortgage payment via their website on XX/XX/XXXX. This payment went thru smoothly, however they deducted an extra payment from my on XX/XX/XXXX. I received their notifications regarding the error in payment processing and I thought it would be rectified shortly. My account was actually credited my amount, however they debited the same amount on the same day ( XX/XX/XXXX ) therefore cancelling my refund. I then thought may be the extra payment will be applied towards XXXX mortgage bill, however they deducted another payment on XX/XX/XXXX. I have called them several times and sent several emails and all I have received is canned responses and I have yet to receive a concrete answer when I will be refunded my money. I have started a dispute with my bank, XXXX XXXX, however they are slow to respond as well. Today is XX/XX/XXXX and they are still holding an extra payment and I have no timeline when it'll be refunded. 
Here is a clearer synopsis of the events that transpired : XX/XX/XXXX : I made payment to MrCooper XX/XX/XXXX : Unauthorized payment taken out of my account XX/XX/XXXX : Extra payment refunded to my account, however XX/XX/XXXX : 2nd unauthorized payment taken account again XX/XX/XXXX : Autopay payment for XXXX mortgage taken out. 


Please help in any way that you can.

Company response to consumer: Closed with explanation