vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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: NJ

Complaint narrative:
XXXX - DATE : XX/XX/2021 COMPLAINT : THIS INQUIRY DOES NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have been a long time user of binance.us for years with no hitch. Just recently I have been depositing at a heavier volume. Since the beginning of the year I have done 3 {$1000.00} deposits that were fine. Then on the fourth ( same bank account XXXX all of a sudden i get a supposed " chargeback '' After a few days of investigation I come to find out that there was no chargeback on my bank 's side and binance in fact has collected the money. Even through this process i followed the direction in the q & a section and made another deposit via debit card to make up for what i thought was a charge back. It has now been almost three weeks, I can't withdraw, I can't trade, I can't sell but I sure can deposit. I'm trying my best here to think the most of this platform but they are making it very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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:
On XX/XX/2021 morning, after noticing two ( 2 ) unauthorized XXXX transfers from my business checking account for an entity that I have no knowledge of, I called Bank of America to file for fraud claim while the transactions were still pending. I was told by the fraud specialist ( after almost 2 hours of wait time ) that I needed to file a claim so that an XXXXnvestigator will handle the case. I joined Bank of America because it claims that business checking account have zero fraud liability. I filed the claim on the same day for two unauthorized XXXX transaction total to {$13000.00}. I waited for 30 days to call back to file out the status today XX/XX/2021 and I was told by a Bank of America specialist that my claimed was denied. Bank of American chose to not honor their policy of protecting its client. As I stated to the fraud team, I have never done business with the entity that received the transfer. I have no knowledge of the entity that received the transfer. To date, I still have not received any documents from Bank of America. It seems that Bank of America refuses to honor their responsibility in this matter. I business have sufferer greatly because Bank of America 's failure to protect my account and refusing to rectify the situation.

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 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2020, Phoenix Financial Service added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Phoenix Financial Service has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As per the updated screen there are no lates that should be reported on this account. This account needs to reflect on the times days late 30/60/90 should show ZERO LATES. It is currently reflecting Worst payment status 0 days. It has been 100 % on time payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: WI

Complaint narrative:
Received a notice for small claims from a law firm in my state regarding a debt from Plaza Services when I had never received anything by mail from this company first, attempting to collect any debt. I tried contacting them via the XXXX  but they told me to get in touch with the law firm handling the debt instead of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Sent dispute letter on XX/XX/21 regarding inaccurate information/accounts on credit report. 
Sent 30 day demand to comply on XX/XX/21. Have not received any response from XXXX Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: MD

Complaint narrative:
I called TransUnion to stay up to date with my file. I asked the negatives on my file and I was told that XXXX XXXX was NOT on my file and had been removed. 
Once I received my report last week after a NEW dispute XXXX XXXX is once again showing on there. 
When I called TransUnion the representative had no explanation.

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 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
When I refinanced my loan, AmeriSave mortgage impounded my property tax and insurance when I specifically opted not to have it impounded. 

Ive made no less than 20 calls in the past 3 months trying to get the impound removed.

Theyve continued to promise resolution including sending me a letter confirming the impound will be removed, but it has yet to happen.

Ive continued to paid the mortgage loan and impound amount to escrow for the last three months and the issue still continues.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
On XX/XX/2020, United revenue Corp added a derogatory mark on my credit report for the amount of {$840.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, United Revenue Corp has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: DISCOVER BANK
State: AR

Complaint narrative:
Discovery financial services fraudulent reporting my credit card account 30 days past late for XX/XX/2021 ; the account was never late, I have my credit card with discovery financial services set up on direct payment electronic through my bank : ending in XXXX for the past few years. I was under the impression that discovery financial services had drafted my payment, but instead reported to credit bureaus that my account was past due for the month of XX/XX/2021 was 30 days past due. This is fraudulent and they need to remove this fraudulent activity from my credit file. After speaking with discovery financial services they agree to remove from my credit file, but its still showing up as 30 days past due for the month of XX/XX/2021 ; the discovery financial services representative told me they were reporting falsely because the program ended in XX/XX/2021 : discovery financial services is practicing fraudulent activities to gain money from customers that is not owed for late fees, as well reporting false information to credit bureaus and I want this removed from my credit file immediately. Discovery financial services have totally excess to my banking institutions and authorized to withdraw any funds or payments due on my credit card product with them. This needs to be invested and adjusted. Discovery financial services had agreement to remove this fraudulent late 30 days from my credit file but refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
Mid-South Adjustment has placed a {$0.00} collections amount on my XXXX credit score. They have inaccurate contact information for both address and telephone as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I am a premier customer with this bank and attempted to make an international wire transfer to another company through their online web portal. The system is secure and works well, except that the wire process never shows the actual amount that the recipient will receive at the current exchange rate i.e. I am never told what rate is being applied. I called their customer service on XX/XX/XXXXand the representative said that it should say in fine print, once you confirm your transaction, which never happened, even when I confirmed my whole wire-transfer process. I was not happy about that and was able to cancel this transfer within 30 minutes, however I feel this is really dodgy service by this world renowned financial institution and I am super-frustrated with their wishy-washy response which has wasted a lot of my time, and possible monetary loss due to fast changing exchange-rate which is not in my favor. Kindly take a look and have them enforce a clear communication about the exchange rate, so I can proceed forth with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with XXXX, Equifax, XXXX, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX fraudulent reporting my credit card account 30 days past late for XXXX ; the account was never late, I have my credit card with XXXX XXXX XXXX set up on direct payment electronic through my bank : ending in XXXX for the past few years. I was under the impression that XXXX XXXX XXXX had drafted my payment, but instead reported to credit bureaus that my account was past due for the month of XX/XX/2021 was 30 days past due. This is fraudulent and they need to remove this fraudulent activity from my credit file. After speaking with XXXX XXXX XXXX they agree to remove from my credit file, but its still showing up as 30 days past due for the month of XX/XX/2021 ; the XXXX XXXX XXXX representative told me they were reporting falsely because the program ended in XX/XX/2021 : XXXX XXXX XXXX is practicing fraudulent activities to gain money from customers that is not owed for late fees, as well reporting false information to credit bureaus and I want this removed from my credit file immediately. XXXX XXXX XXXX have totally excess to my banking institutions and authorized to withdraw any funds or payments due on my credit card product with them. This needs to be invested and adjusted. XXXX XXXX XXXX had agreement to remove this fraudulent late 30 days from my credit file but refusing to do so.

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 2021-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid off my XXXX credit card in full on XXXX the XXXX with a telephone representative of Comenity {$1200.00} The amount was processed and they provided me with a confirmation number and my credit union placed a pending payment notice on my account.

About a week later the moneys were still in my account and I emailed Comenity requesting that they take the money and credit my account and show as paid in full no balance due as of XXXX the XXXX. 
I did not receive any response, I later called them directly and was told my account was in default and my payment was returned for insufficient funds .... 
I HAD {$100000.00} in my account the day of my payment and {$90000.00} on XX/XX/XXXX, the day that I spoke to the representative. 
I ended the call and immediately resubmitted my payment of {$1200.00} via the Boscovs/Comenity app and later in the week I called to speak to someone and inquired about my account and confirmation of payment issued to them. 
I spoke to first an incompetent XXXX, then called back and demanded a billing supervisor, I spoke to her and was told that I submitted my bank account number missing one digit ... XXXX I expressed disbelief and was told that she would open an investigation and review the recorded conversation on XX/XX/XXXX to confirm that it was I that was responsible for the error and that I am liable for the late payment fee as well as the additional interest accrued on the balance due, I still have no response to my inquiries. 
Today I checked my credit card account and I am being charged again for late fees and interest credit accrued again, even though there was a dispute filed. 
One. I paid off the account balance entirely on XX/XX/XXXX and Two. I do not owe anything more on the account. 

I want my account to show paid in full on XX/XX/XXXX and to be reported as such to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Last XXXX or XXXX I was browsing through the Offers list for my American Express card and saw an offer for a XXXX music subscription deal where you would get a {$9.00} account credit for a {$9.00} XXXX purchase. I activated the offer and clicked the link. They asked for and required my XXXX account information for the subscription and I made the {$9.00} XXXX purchase. On XX/XX/XXXX my AmEx card was charged {$10.00}, which is the {$9.00} plus tax. I called them on XX/XX/XXXX because the credit had not been made to my account. I disputed the charge because I had not received the account credit as clearly promised in the offer specifications. They denied the dispute. I contacted their customer support service via chat on XX/XX/XXXX and XXXX complaining about the false advertising nature of this offer. They offered to investigate and said that I should check back with them or look for an account credit. It never came. This charge is being disputed be cause it is the sole reason why I signed up for XXXX and I clicked their link and followed the instructions. They are trying to find every excuse to not execute this offer as promised and I am NOT AMUSED! 

I have complained twice to the XXXX XXXX XXXX and they have given the same run around. I am EXTREMELY DISAPPOINTED and shocked at how this company has treated me about an otherwise trivial issue where their advertisement was clearly misleading. The only thing you can buy on XXXX is a monthly service subscription charge!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with Experian, XXXX, XXXX, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the AgA office,

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 2021-04-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with XXXX, XXXX, TransUnion, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the AgA office,

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 2021-04-01 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: ND

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 non-monetary relief