vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I want to thank you for helping me before. Now LoanCare has blocked me from accessing my mortgage account and will not help me. I am sure it is because I reported them. I have tried for over a week to contact them to get a mortgage statement. Today after speaking with 7 persons I was told I am unable to access my account due to the " agreement '' we now have for my loan modification. They all say something different. AND I found an email saying I was approved for the forbearance on XX/XX/XXXX of last year- they have repeatedly tried to tell me I was behind in my mortgage on XX/XX/2020. I have that email. 
I have received information from the Colorado Housing Assistance Program that will help me with 2 months of mortgage and they have requested a mortgage statement. LoanCare will not help me. Also since I am unable to access my account I can not print my 1098 to do my taxes. When I call them I get transferred 2-4 times all getting different answers. I am surprised there is not a class action lawsuit at this point from customers like myself. I can not afford to sue a giant company. They are just awful. I am truly trying to fix my problem!

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 2021-04-28 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 six accounts and some inquiries on my credit report that do not belong to me I have been in dispute for these for over two years the credit bureaus are not helping me out I have opened an FTC i have done everything in my powers to remove these accounts but they are not going away. 

XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$470.00} XXXX XXXX Acct XXXX XXXX Amt {$960.00} XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$130.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX Amt {$10000.00} XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Amt {$1900.00} INQUIRIES XXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX - Inquiry date : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-04-28 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: AZ

Complaint narrative:
I am trying to purchase a new home in the next 6 months and upon checking my credit profile in all the bureaus, I was alarmed by multiple accounts that I never authorized. On XX/XX/2021 I filed a police report with my local police agency as well as filed an id theft affidavit with the all the accounts and account numbers listed. I was instructed to send those documents along with a brief statement and copy of my photo id to all three credit bureaus. That was done on XX/XX/2021.From that request only two of the accounts were removed and the rest were left on my reports. I am a victim here and I am not getting help from the bureaus where the fraud is still showing on my consumer reports. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: AZ

Complaint narrative:
I am trying to purchase a new home in the next 6 months and upon checking my credit profile in all the bureaus, I was alarmed by multiple accounts that I never authorized. On XX/XX/2021 I filed a police report with my local police agency as well as filed an id theft affidavit with the all the accounts and account numbers listed. I was instructed to send those documents along with a brief statement and copy of my photo id to all three credit bureaus. That was done onXX/XX/2021.From that request only two of the accounts were removed and the rest were left on my reports. I am a victim here and I am not getting help from the bureaus where the fraud is still showing on my consumer reports. 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 2021-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two of the SAME accounts from capital one bank in my credit report. Both accounts has different dates that they were open. I notify the ( source ) Capital One about my observation on XX/XX/2021. The company Capital One indicated this duplicate SAME account on my experience report was not there doing and should be disputed with the credit bureau. Therefore, I disputed the inaccurate same account to XXXX same day. ON XX/XX/2021 I RECEIVED THE RESULT OF MY DISPUTE WAS COMPLETED. I LOOKED INTO MY XXXX  ACCOUNT ; nothing has been resolved about the dispute. So, I concluded that the duplicate account from CAPITAL ONE bank with inaccurate DATE & false information is a FRAUDULENT ACCOUNT! I called XXXX  and let them know of my findings since my first dispute on this matter was completely & not resolved. As of right now this the status of the same dispute of the duplicate account from CAPITAL ONE has been reinstated as a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc.
State: MO

Complaint narrative:
Hello, First, thank you for your time in advance. I know yall are super busy. I will include specifics and attachments down below. 

-- -- using a wallet with XXXX platform I transferred over BNB ( Binance 's XXXX coin ) to another wallet with Binance.us -- -- the funds show as successfully sent from XXXX but the funds never arrived in my binance.us wallet. I double checked and copied and pasted the destination wallet address that I was sending it to Please help me, Binance.us has no one to help on the phone or email. They are ignoring my plead for my money. Even reached out on XXXX to no avail. Never had this issue before with any other platform. 

Info below : Funds were sent on : XXXX @ XXXX CST Total amount sent : XXXX XXXX XXXX BNB after XXXX BNB fee from XXXX and XXXX fee XXXX took out ) or {$3300.00} USD TX Hash : XXXX Sent from wallet : XXXX To wallet : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent information, asking for how Transunion got the the information they report on my credit report. The public records they report on me is not accurate and they say it is based on their investigation by letting a 3rd party investigate. The person obtaining the information is required to contact the provider of the information. The company is not following fcra rules of contacting the provider, because the provider wrote me a letter saying that no information was given to a credit reporting agency about a disputed error. They wrote a letter to me stating this in wich I will attach to this complaint. I have tried several times to get them to provide me with the company providing the information so I can dispute properly. Transunion is required to put the provider of information on the report so I am able to contact them with my concerns and they are required to provide me with their method of verification and they refuse to provide that. They only send information they have that is basically a computer generated procedure on answering a dispute It see.s like they are purposely discrinating my report and forgetting that laws are in place to allow me to ask for everything that I am asking for in a attached letter.

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have written to chase about this and they have asked me to contact credit reporting agencies / bureaus directly. The information reported on my credit report for missed payments in the year 2020 for chase freedom card ending in XXXX was inaccurately reported. I enrolled into chase 's covid-19 protection plan with the understanding that the account will not be reported. However, upon communication with them, it seems like the account was reported for late payments. 

The state of california has issued legislation on consumer credit protection. This information can be found on their official website : https : //covid19.ca.gov/get-financial-help/. I have verified with the state that my credit score would be protected and remain unchanged.

Their website clearly states that credit scores would not be impacted due to the impact of Covid-19. I request you restore my credit score back to XX/XX/XXXX or XX/XX/XXXX, before the pandemic was declared.

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 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: MA

Complaint narrative:
On XX/XX/2021, I placed a security freeze on my National Consumer Telecom and Utilities Exchange ( NCTUE ) file ( following potential bank fraud I recently experienced ). The New Jersey address listed on the security freeze confirmation is an address at which I never paid utilities because this address belonged to my former employer ( a boarding school ). My former employer paid rent and utilities at this address. 
ALL DOCUMENTATION TO CONFIRM THIS COMPLAINT IS AVAILABLE UPON REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I submitted all relevant identification and forms to be verified in Binance.US. The verification has been pending for the better part of two weeks. I dont understand how it takes so long to verify if a document shows my correct address. They will not allow you to submit a help ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: OH

Complaint narrative:
I sent out dispute letters on XX/XX/2021 and the accounts has not been removed. I have not received a response to my request and the information has not been updated correctly.

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 2021-04-28 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Financial hardship due to pandemic paid a fews days late in XX/XX/2020. Asked for forgiveness and correction of credit report by removing late payment/fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 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: NY

Complaint narrative:
I have been a victim of identity theft. This has been an ongoing issue with the creditors along with the credit bureaus that I have worked with them trying to rectify these issues of fraudulent accounts. For over 1 year I have submitted multiple disputes along with providing all required documentation to support my dispute. I have provided the creditor and the credit bureaus with the police report, Official FTC Report, Drivers License, utility bill to support my unprecedented situation of Real Victim Identity Theft. As a result 2 of the 4 fraudulent accounts were removed on two different occasions. Since then has popped back onto my credit report due to the creditor resolving the accounts as fraud, then deleting the accounts after which they are selling the debt to a collection agency which then reports the same fraudulent account back to the credit bureaus and re reporting of each takes place. I have spoke to a multitude of different representatives and supervisors looking for assistance to get these accounts that I have NO ASSOCIATION with removed once and for all. I have been given little assistance with these matters and close to no response back at all at this point. This is ruining not just my credit, but this ongoing issue has ruined my life. Below you can find the account names and opening date and amount! 

XXXX XXXX opened XX/XX/XXXX {$24000.00} XXXX opened XX/XX/XXXX {$31000.00} ( Chase ) XXXX XXXX XXXX opened XX/XX/XXXX {$4400.00}

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 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper mistakenly issued multiple withdrawals to my account, causing my account to have negative funds, endangering my other payments, and jeopardizing my credit history. They corrected the issue and advised me to continue monitoring my account for any additional errors from them. It is unfair for me to allocate time and resources to verify their mistakes were corrected or to make sure no more have appeared. I am not confident this will not happen again. They lack transparency and are just incredibly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to contact the credit bureau XXXX, TransUnion and XXXX I cant seem to get any help my email address is XXXX phone number is XXXX My information keep selling my information to those collections company and its wrong by law and the credit bureau Act

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 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I had $ XXXX deposited into my account by the us government which were my 1st 2 stimulus checks ... .i didnt have a debit card so i transferred XXXX to my sister-in-law to withdraw so i could pay my rent. XXXX immediately put a hold on that transfer so my sister-in-law refunded it and we tried again. Same result. Except now paypal froze my account. Now im being told i have to wait 180 days for money the united states government acreditted me for EMERGENCY FUNDING due to the covid pandemic. Due to paypals stunt i am now homeless, penniless, and carless. I dont want to wait 180 days for my money when i have done nothing wrong. I want to be able to use my money immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have written to chase about this and they have asked me to contact credit reporting agencies / bureaus directly. The information reported on my credit report for missed payments in the year 2020 for chase freedom card ending in XXXX was inaccurately reported. I enrolled into chase 's covid-19 protection plan with the understanding that the account will not be reported. However, upon communication with them, it seems like the account was reported for late payments. 

The state of california has issued legislation on consumer credit protection. This information can be found on their official website : https : //covid19.ca.gov/get-financial-help/. I have verified with the state that my credit score would be protected and remain unchanged. Their website clearly states that credit scores would not be impacted due to the impact of Covid-19. I request you restore my credit score back to XXXX or XXXX 2020, before the pand emic was declared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have written to chase about this and they have asked me to contact credit reporting agencies / bureaus directly. The information reported on my credit report for missed payments in the year 2020 for chase freedom card ending in XXXX was inaccurately reported. I enrolled into chase 's covid-19 protection plan with the understanding that the account will not be reported. However, upon communication with them, it seems like the account was reported for late payments. 

The state of california has issued legislation on consumer credit protection. This information can be found on their official website : https : //covid19.ca.gov/get-financial-help/. I have verified with the state that my credit score would be protected and remain unchanged.

Their website clearly states that credit scores would not be impacted due to the impact of Covid-19. I request you restore my credit score back to XXXX or XX/XX/2020, before the pandemic was declared.

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 2021-04-28 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
My stimulus card was stolen. I filed a police report. I viewed a picture of the woman who completed the transaction I did not know her. I filed a dispute with eipcard/money network. They declined my dispute before I even submitted the forms. I submitted an appeal as advised. I called multiple times. I would get transferred, hung up on left on hold. Everyone would give me different answers to my questions. Nobody would give me information on their company so I could go up the chain of command. I requested multiple times why my dispute was declined. I spoke with someone yesterday and found out my appeal was declined but no one will explain why. I cant speak to that department. I cant speak to anyone who can help. Someone used my card on XX/XX/XXXX. I filled a police report my card number is XXXX XXXX XXXX XXXX. I Spoke to officer XXXX at the XXXX XXXX Police department at XXXX XX/XX/21. Case # XXXX dispatch number XXXX. I have tried and tried to resolve this issue. I am a victim of theft and this company refuses to do anything to resolve the issue. They have been extremely difficult to work with and impossible to get anyone helpful to fix this issue. Please please please help me resolve this issue.

Company response to consumer: Closed with explanation