vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 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: FL

Complaint narrative:
On the night of XX/XX/2021, I received an email from Wells Fargo bank at XXXX stating that an ATM transaction from my account for {$2000.00} was declined which was a fraudulent transaction. I was asleep at this time, but when I checked my emails in the morning and saw this I checked my account balance also and realized {$1000.00} dollars was already taken from my account as well from the same ATM location fraudulently. I immediately went to my purse and I saw that I was NOT in possession of my card so I called Wells Fargo on the same day ( XX/XX/XXXX ) around XXXX and spoke to a woman and requested to stop the card and sent me a new one and I also made a statement for the fraudulent transaction. I have email confirmation for my " turn off request '' for my card which I received at XXXX and I also received a claim number for this incident just off of the phone call but no one ever reached back out to me to send claim forms or anything else regarding my situation and after days of not hearing from Wells Fargo I already received my new card and then slightly after on XX/XX/XXXX the company closed out my claim case and told me to call if I had any questions. My new card was shipped to me XX/XX/XXXX which I also have the confirmation email also. On XX/XX/XXXX when my claimed was closed I reached out again to the company and they said since I was in possession of my card that they couldn't do anything to help me, but I WAS NOT in possession of my card which was the reason I requested the turn off of my card and the request of my new card. I asked them to reopen the claim and they said they would get back to me but never did and I NEVER received any emails, calls, or mail from them about follow up information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: IN

Complaint narrative:
XX/XX/2021 Americollect signed for certified letter sent certified letter requesting them to remove from my credit report due to violating XXXX laws. They continue sending me old bill with my XXXX XXXX. 
XX/XX/2021 Americollect signed for certified letter Americollect representatives continue to call and harass me stating I have to pay them or they will call me til I do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TX

Complaint narrative:
My complaint is against equifax and XXXX i have sent in a dispute letter to both bureaus with no response. Then i also sent in a 30 demand to comply and they still havent responded, and by law they need to remove the inaccuracies from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: WV

Complaint narrative:
This is debt from 14 years ago, I am assuming. They could not even tell me what was it for.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim # XXXX XXXX XXXX, Hello my name is XXXX XXXX I am contacting you on the regards of a XXXX transaction. I was scammed out of {$350.00} I can provide any evidence needed to provide to you guys as much as I can that Ive been scammed. I sent {$200.00} to XXXX {$150.00} XXXX  I asked them Why do I have to send it to two different accounts? They same it doesnt matter what account youll get you products regardless, after that they blocked me. Ive contacted my bank, And XXXX, and they told me they cant guarantee my money back and to contact you guys ...

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 2021-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
Hey alot harrassment phone call by a a person name XXXX XXXX and his number is XXXX. And also alot of harrassment email from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 2ND TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southeast Finance Inc.
State: SC

Complaint narrative:
This company called several times through out the day. On XX/XX/2021 I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had several loans with the US Department of Ed XXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed and there are 4 of them show as closed with the last reported activity of XX/XX/XXXX and XX/XX/XXXX. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxx XXXX Account Number xxxxxx 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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had several loans with the US Department of Ed XXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed and there are 4 of them show as closed with the last reported activity of XX/XX/XXXX and XX/XX/XXXX. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxx XXXX Account Number xxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had several loans with the US Department of Ed XXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed and there are 4 of them show as closed with the last reported activity of XX/XX/XXXX and XX/XX/XXXX. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxx XXXX Account Number xxxxxx 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 non-monetary relief
Consumer complaint received 2021-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I submitted a complaint online to Experian regarding account with XXXX XXXX reason being natural diaster/covid. From my understanding investigation timeframe is 30 days. So imagine my surprise when I logged into my Experian account and saw an alert indicating my dispute reason was modified by an Experian expert and currently being reviewed. This therefore, gives me the impression that this canceled out my dispute and extended the timeframe for the bureaus to investigate. I NEVER SENT ANY ADDITIONAL INFORMATION TO EXPERIAN FOR THIS ACCOUNT. So this is unfair and illegal a pure violation. When I called the first rep hung up on me when I asked her to explain to me what documents I quote on quote sent! The next rep named XXXX was very rude with dogs barking in the background. Informed me the reason my XX/XX/2021 was extended was because of additional documents I sent. I advised her that once again I didnt send any additional documents since the original date of dispute please help me. Below Ive included a screenshot of the notification I received when I first submitted the dispute. And the other email in which they informed me a XXXX on their end decided to play with the system and reset my 30 days please help

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 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I XXXX XXXX called first premier about a charge off account on my credit for the amount of {$610.00} i advised them that this account does not belongs to me. I was advised by a XXXX by the name of XXXX employee number XXXX. She said I cant ask to recall the account and that they cant do anything about it. Well i feel as a consumer my rights is not protected please help.I also sent a letter to verify this debt 30 days ago with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IN

Complaint narrative:
My XXXX account was hacked and I submitted a dispute for the charges with both XXXX and my banking institution. According to my bank and XXXX, the dispute was resolved and funds were returned to me. Now I'm receiving a letter from American Coradius International LLC stating I owe the same money that was returned to me. XXXX shows that my account was in good standing and was closed after the resolution of the dispute. I don't want this reported to my credit if XXXX says it's resolved on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: OH

Complaint narrative:
I have done my best multiple times using every method available to me to keep my information current on my Equifax credit report. 

I have mailed disputes with documentation more than once to receive no response from Equifax. 

I have disputed over the phone to receive only passive responses from Equifax. 

I have tried to cite credit law to Equifax to try and get them to remove old and inaccurate information from my credit reports. 

I sent them documentation upon documentation to clarify what I believed was inaccurate or should be removed. Including but not limited to highlighted copies of my credit report with the errors circled or explained in permanent marker on the pages of my printed credit report. 

Their information always lags behind the other two credit bureaus by 60-90 days. They do not update information or check information reporting monthly as required by FCRRA. They are still reporting information from places that no longer exist and I know this because I sent them a copy of a returned envelope, returned by the post office. 

My credit cards, credit utilization has been 25 % for two months by the other bureaus to have Equifax not even report that correctly. They do not show my balances on my credit cards accurately or timely. 

Today is XXXX and I applied for a loan with XXXX to have Equifax report wholly inaccurate information and a wholly inaccurate and unfair score. They were the direct cause of me not getting the credit I deserved. 

Even when you use every method at your disposal to dispute or request they do as they are supposed to do and report accurate information it falls on completely deaf ears at Equifax. They do not care about the record holder and they do not care about the legislation and the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
Venmo closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Venmo quite frequently. My email linked to my Venmo is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
Dear Sir/Madam, This is to bring to your notice that I closed a home refinance loan with Loan Depot ( Loan ID provided on request ) on XX/XX/2021. It has been more than 10 weeks since then and the DEED has NOT yet been registered with XXXX XXXX, VA This delay in registration of Deed is preventing me to do the following : 1 ) Refinance for a lower term 2 ) Sell the property. 

When I contacted Loan Depot, I was told they dont have a timeline and that the delay is due to covid. 



Multiple requests to settlement company Closing USA - have gone unanswered. No one picks up the phone and no one is returning the emails or the voicemails.

Additionally, Loan Depot owns the settlement company Closing USA.

This delay in registration of deed I feel is an unfair practice, is keeping me hostage by not letting me complete other financial activities and should be regulated either at state or at federal level. 



I would appreciate it if an investigation is opened and additionally if new guidelines are passed which prevents future homeowners from facing a similar issue. 



I am requesting that either Closing XXXX or Loan Depot register the deed with XXXX XXXX, VA as soon as possible without any delay. 



Thanks, Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has continually avoided to answer the question why do they view transactions covered under their XXXX XXXX program as a derogatory event. This violates their advertisement that consequences with Wells Fargo are avoided with the 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 2021-03-23 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: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
Contacted XXXX XXXX XXXX  to get more information about the Dr. bill back in XXXX and we still have not received anything verifying the debt.

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 2021-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021, I was contacted by my XXXX XXXX concerning a fraudulent account on my credit report reported by Capital One. This fraudulent account does NOT belong to me. I have never received a bill or paid a bill for this account, which I understand ends with XXXX. I called the Capital One number, asked for Fraud Department, spoke to a rep named XXXX, and opened Case Number XXXX. On XX/XX/XXXX, I received a Identity Fraud Information Report to fill out and send in to their fax number XXXX with my Drivers License and Social Security Card. I have submitted this form three times with no response. I have called their Fraud Line XXXX every week and consistently get the run around that they are either working on it or unable to bring up the Case Number for status. I am told that they are not reporting the account to the three agencies during investigation but it is still showing up on my credit report. I am unable to understand why this bank that advertises everywhere and presents themselves as such an outstanding operation is so unresponsive, disorganized, and dishonest. It is now XX/XX/XXXX and I'm still trying to get a response. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: FL

Complaint narrative:
ATTN Collections 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