vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. The TransUnion Credit Bureau is reporting inaccurate information on XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( 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 non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
I purchased XXXX tokens from the BinanceUS app yesterday XX/XX/2022. BinanceUS held my funds for 24 hours. After 24 hours were completed I tried to send my XXXX tokens to my XXXX wallet. A prompt told me that I need to wait ten more days. I spoke with the Binance Official Support on XXXX about the issue. The representative told me that I needed to buy more XXXX tokens in order for them to help me. I can't do that right now. I'm rebuilding my life after divorce, and investing in Binance is causing me to need to put my life on hold. I need to be able to move my funds as needed. My purchased tokens are my property ; and the XXXX says so. But Binance is withholding my property from me, and forcing me to buy more. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2022-01-10 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This all started back on XXXX XXXX, I fell behind in payments after my wife had cutbacks at her job and other loan contributor moved out of the home because he was having a new kid and needed a place of his own for his family. I started to fall behind in payments, and since Mr. Cooper doesn't allow partial payments, once I fell 2 months behind, I was chasing payments at that point. Then my payments when from XXXX to XXXX by time XXXX came around and we had all attentions of using out tax refund to catch up on payments, but that is when the pandemic 1st started and came through, so we had to use the money for food, etc. as everyone was on lockdown. The payments started going up because we owed insurance and taxes and they made the payments go up right away, to an amount, we couldn't afford at the time. We went into forbearance program with bank and after being in program we were told I could reapply for another loan modification but since then, all I keep getting is denial letters from the bank. at 1st it was because we had to wait a full year since our last modification and then when that time passed, now they deny us because they stated we don't have enough income. we have since learned from online financial classes how to budget our money and live off a budget, my wife has gone back to work, and we rented out one of the rooms and make 3x times the mortage put together now but the bank will not give me another modification for some reason. i am asking anyone who can help to please let me know what I can do, all I want the bank to do is give us one last modification and once this is done, the payments would be affordable, and we get to keep our home. 

The main problem is no partial payments are excepted so, unless we have the whole amount past due, we can't make any payments and I think that is a policy that should be changed, because we could have been making partial payments all these months and wouldn't owe as much as we do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNTS BELOW : ( XXXX XXXX, XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNTS BELOW : ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-10 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-10 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: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX, I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a CITIBANK NATIONAL ASSOCIATION, doing business as CITIBANK credit card ( citicard ) in XX/XX/2021 with a limit of XXXX XXXX dollars. In XX/XX/2021, I received an alert text message says that my limit was dropped to XXXX XXXX, XXXX XXXX dollars. I never missed a payment. I was never late on a payment either. I called the CITIBANK customer service, to inquire why would the limit was dropped. The service agent that I spoke with with, was unable to answer my question. She said an explanation would be mailed out to me.I called back XXXX, XXXX and XXXX, inquiring about the decrease in the credit limit. All along, still not missing a payment or making any late payments. I have NOT received any information on the phone or by mail, on why my limit was decreased. I always confirm my mailing address, with every call. I spoke with supervisors, and still I have not received any information, on why this trangression of my rights was taking place or why I am being denied my right of credit by CITIBANK NATIONAL ASSOCIATION. According to 15 USC 1602 definitions of The Truth and Lending Act, I as a natural person possessing an open-end credit plan was harmed by CITIBANK NATIONAL ASSOCIATION , adverse action taken against me denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( II ) are up to ( {$5000.00} ) CITIBANK NATIONAL ACCOCIATION , doing buiness as CITIBANK is now civily liable to pay me for the damages.

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 2022-01-10 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
To my knowledge, all of my consumer information at my request has been frozen and suppressed. I have correspondence from TransUnion claiming that my data has been verified in violation of my rights.

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 2022-01-10 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Receivables Management Partners , LLC at XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$1100.00} the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
Unwanted fee/charges are being added to my monthly mortgage without my knowledge or consent. I have had XXXX '' barrower requested title search '' Put on my mortgage from XXXX XXXX to XX/XX/2021. At No time did this Barrower Request Such a thing. 
Statements : XXXX  2021 13 title searches {$420.00} We paid XX/XX/2021 XXXX title searches and attorney Fee {$450.00}. We paid XX/XX/2021 XXXX title searches {$360.00}. We paid XX/XX/2021 XXXX title searches {$320.00} I did not pay! 
XXXX-Called customer Service at Pennymac, was told these charges are from my " municipal ''. 
I asked exactly who that was - never got a straight answer, Just told My town. I Told pennymac rep then to stop charges. THis was against my knowledge and consent. 
The next month Sent email, Asking about new charges and attorney fee. My last email in XXXX I stated, That all of these charges being put on my mortgage without my knowledge, and consent was against my privacy rights. Where are my Rights in this issue when Anyone " municipal " or whoever can have charges added to your acct without you knowing. 
Pennymac has held up the sale of my home, I was suppose to close on this home End of XXXXXXXX XXXX months later we are still waiting to close, with that being said, I truly do not need all of these extra charges on top of the expense of 2 households. They have had no regards for our privacy or our wellbeing as a customer with outstanding good credit and credit history with them. 
Pennymac needs to refund ALL fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My prior servicers agreed that I could assume the loan to remove my ex-husband from the mortgage, but because of repeated servicing transfers, the assumption process has been delayed and I am now at risk of XXXX XXXX XXXX  unless the assumption can be completed. My ex-husband and I were originally co-borrowers, but I was awarded the house in the divorce and received a quit-claim deed. The divorce decree said I needed to remove his name from the mortgage. Following a lawsuit against my prior servicer, XXXX, which resulted in a settlement, XXXX offered that I could assume the loan to remove my ex-husband from the mortgage, which I agreed to. Before the assumption could be completed, servicing transferred to XXXX & XXXX. After much difficulty, XXXX & XXXX stated in writing in around XX/XX/2021 that I could assume the loan to remove my ex-husband, as XXXX had promised. XXXX & XXXX repeatedly dragged its feet on getting me the final paperwork to effectuate the assumption, which it assured me that the investor had approved and that I would receive shortly. Then, in XX/XX/2021, servicing transferred to Shellpoint, and XXXX & XXXX refused to speak to me anymore about the assumption. I have been unable to make headway with Shellpoint in effectuating the assumption that XXXX and XXXX XXXX XXXX had both offered me, and I am running out of time to assume the loan. If it does not happen quickly, I may end up losing my home. Shellpoint is obligated to finalize the assumption I was promised and have been approved for, and I need it to happen immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Pursuant to my rights under federal debt collection laws, and under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, Experian is reporting UNVALIDATED information, which is an obvious violation pursuant to 15 USC 1681a ( fair and accurate credit reporting is essential in maintaining the efficiency of the banking system and consumer confidence ). Their unfair credit reporting methods has caused irreversible harm in my ability to obtain credit by dramatically reducing my credit score and continuing to list the XXXX XXXX XXXX collection account on my profile. I've written Experian on XX/XX/2021, to dispute their reporting of this alleged debt and to start an investigation, but they only updated the Portfolio account as " disputed '' and provided no explanation or competent VALIDATION evidence ( pursuant to 15 USC 1692g ) within the required 30 days that'll justify the collection account being listed on my credit profile. The alleged debt was originally removed from my credit report on XX/XX/2021, by Experian and then relisted on my credit report XX/XX/2021, as a new account. I sent a letter to XXXX XXXX XXXX on XX/XX/2021, requesting information and documents to show VALIDATION of the alleged debt but they didn't provide the requested proof within the required 30 days, making their claim nullified and void. I also requested Experian remove an inquiry from XXXX XXXX XXXX which is a fraudulent inquiry not requested by me. They haven't responded or provided a status update regarding this request yet.

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 2022-01-10 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: FL

Complaint narrative:
Equifax is showing inaccurate information on my credit report. XXXXXXXX XXXX, XXXX  is inaccurate. The information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation