vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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: WI

Complaint narrative:
I have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Equifax has yet to provide that proof of verification. I received a copy of credit report that stated that XXXX XXXX is the furnisher of this erroneous bankruptcy record. After receiving that, I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/2021. Letters sent to Equifax via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has also surpassed the 30 days since I submitted the 3rd request for proof of verification on XX/XX/XXXX. This account is unverified and needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
i am in the process of refinancing my loan to a lower interest rate. As a result, the loan will originate with XXXX XXXX XXXX, and my current loan with M & T Bank will be paid off. The payoff letter includes a late payment fee with a 0 day grace period. All of my statements have a 15 day grace period, and is also a requirement for VA loans. I can not get M & T bank to issue a new letter correcting the late fee. And, the title company must include the late fee in the payoff amount, as directed by the letter. I have called multiple times, as has XXXX XXXX to get the letter corrected. As of today, XX/XX/2021, ( letter is dated XX/XX/2021 ), i am unable to get a letter. Every representative I speak to, indicates that their 'system ' doesn't allow them to amend the letter. This is liken to a penalty for refinancing with a different company.

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 2021-10-02 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: NY

Complaint narrative:
Im not sure how to categorize my complaint I chose the best option. This one alleged debt of reporting twice on many consumer reports looking as two alleged debts. I have tried to dispute this information several times. I have asked for validation of this account more than once and have not gotten any validation information proving this debt belongs to me. As a federally protected consumer they are violating my rights and violating the laws under the FCRA. Why would this one alleged best be reporting more than once on my consumer reports? They are damaging my reputation and inaccurately reporting information about me. 
For years they have been reporting this alleged debt for years and it is causing harm to me as a consumer as well as violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I've been receiving correspondence from Westlake Portfolio Management demanding repayment on a loan. 
This loan was discharged through a bankruptcy court XXXX of 2021 of this year. I've made several calls advising them of this but they continue with harassing letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services
State: WA

Complaint narrative:
I have recently viewed my credit report online, and discovered that on XX/XX/XXXX of 2021, Lendmark Financial Services XXXX, has caused a drop in my credit score by running a hard inquiry on my credit report. I have no business dealings with this entity and have not had dealings with them in the past. I did not give them permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Someone hacked me and theft my identity and used my information and stole {$20000.00} from my bank account by XXXX binance I reported it to my bank on XXXX XX/XX/2021 And made claim after 10days XXXX XXXX XXXX  told me you must contact with binance Now I tried to login binance to recover my funds but XXXX binance account is disabled and I lost my money Please assist me to recover my funds. 
My support ticket number is XXXX and XXXX There is no XXXX binance customer to respond me and solve my issue. 
My name is XXXX XXXX My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for and was approved for the Chase Sapphire Credit Card in XXXX of XXXX because of all the incredible perks. I loved working with Chase so much that I wanted to switch from XXXX  XXXX XXXX to Chase. I attempted to open to open a checking account and a savings account with Chase. Once opened I transferred {$2000.00} to these new accounts to try and start the process of changing banks. About 2 days later I went to login to my Chase account to confirm the transfer has been successfully made but I was locked out of the account and told to contact chase with the number provided. After speaking to 4 or 5 different reps we learned the accounts were being closed because of suspicious activity. We later learned someone had used my social security number and personal information to open an account with Chase is XXXX of XXXX. I filed an identity theft claim with Chase. Since learning this information I placed a fraud alert with all credit bureaus, and filed a police report. I was just exploring my XXXX profile and found another account that was opened with JP Morgan which I disputed through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We lost {$80000.00} to wire fraud as a direct result of negligence and malpractice exhibited by Bank of America. Our mortgage broker told us it was OK to send the remaining down payment to a fraudulent account before we even had a a clear to close. 

Furthermore, BOA was an obstacle in our attempt to recall funds. They refused to follow FBI protocol in submitting an LOI with a fraudulent wire recall. They labeled it as scam and not fraud. We have received no communications, assistance, or confirmations from BOA Saying that they will attempt to recall our funds. 

BOA refused to process our mortgage correctly and as a result we are at risk of losing our earnest deposit of $ XXXX as well. They can not get the application passed the underwriter and they can not provide any reasons for the delay. XXXX says it's because the underwriters are overworked and there is a shortage. We are past our closing date of contract. 

I will lose {$110000.00} of my own personal money because I chose to work with BOA lending. XXXX XXXX, XXXX XXXX, XXXX XXXX all refused to handle this correctly. 

BOFA ignored the norms of the industry they work in, they are negligent in their work and my assets were stolen from me as a result.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit reporting agencies are reporting false and misleading information. They do not have the proof or documentation to prove that the account that they are reporting as late is late. You have violated my rights on many occasions within this incident. I would like the late payments to be removed immediately or litigation will filed in small claims court.

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 2021-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid fee to secure this personal loan, this is a told scam and I paid way and above what I should have paid, they keep hitting with all kind of fees, when I cancelled my loan request, they have not returned my fees, fee are in the amount of {$11000.00}.

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 explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
Within 3 months, I received 3 different annual escrow statements instructing me to pay 3 different mortgage amounts On the XXXX of XX/XX/2021, I received an annual Escrow disclosure statement, informing me that my payment will increase to {$2000.00}, beginning on XX/XX/2021 Then on the XXXX of XX/XX/2021, I received another annual Escrow disclosure statement, informing me that my payment will increase to {$2000.00}, beginning on XX/XX/2021 Then again on the XXXX of XX/XX/2021, same year, I received a third annual Escrow disclosure statement, informing me that my payment will increase to {$2100.00}, beginning again on XX/XX/2021 Has it become a tri-annual Escrow disclosure statements?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: NY

Complaint narrative:
Im not sure how to categorize my complaint I chose the best option. This one alleged debt of reporting twice on many consumer reports looking as two alleged debts. I have tried to dispute this information several times. I have asked for validation of this account more than once and have not gotten any validation information proving this debt belongs to me. As a federally protected consumer they are violating my rights and violating the laws under the FCRA. Why would this one alleged best be reporting more than once on my consumer reports? They are damaging my reputation and inaccurately reporting information about me. 
For years they have been reporting this alleged debt for years and it is causing harm to me as a consumer as well as violating my consumer 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 explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit reporting agencies are reporting false and misleading information. They do not have the proof or documentation to prove that the account that they are reporting as late is late. You have violated my rights on many occasions within this incident. I would like the late payments to be removed immediately or litigation will filed in small claims court.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit reporting agencies are reporting false and misleading information. They do not have the proof or documentation to prove that the account that they are reporting as late is late. You have violated my rights on many occasions within this incident. I would like the late payments to be removed immediately or litigation will filed in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: NJ

Complaint narrative:
I disputed a closed account with XXXX, XXXX and Equifax credit bureau. 

I also contacted the card company XXXX XXXX XXXX They assured me it was a big mistake. 

XXXX was the only credit bureau who actually investigated and fixed the issue. 

XXXX and Equifax dispute results claimed the closed account was ACCURATE. I lost points on both my credit reports for the closure. According to XXXX and Equifax the last time I made a payment on the account is in XX/XX/XXXX. The account balance both XXXX and Equifax are posting is inaccurate. The balance they're reporting is {$180.00}. As of XX/XX/XXXX According to my card account online and Statement as of XX/XX/XXXX the account is OPEN. The balance is {$140.00}. I made payments on XX/XX/XXXX and also XX/XX/XXXX. 

I've also made a purchases on the card XX/XX/XXXX {$52.00}, and on XX/XX/XXXX around XXXX XXXX. For {$10.00} so im not sure how the account is CLOSED. This is affecting my credit score and my credit worthiness. 

I don't believe XXXX and Equifax never contacted the card company when I put in the dispute they just went off what was reported in previous days on file. The dispute results came bk within 24hours ( which is quick for a proper investigation ) saying the information was ACCURATE which is a BOLD FACE LIE. I NEVER MISSED A PAYMENT. MY ADDRESS NEVER CHANGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: OH

Complaint narrative:
I transferred funds from my Discover Online checking account at about XXXX ; XXXX today, during a bank day today Friday XX/XX/XXXX and scheduled the transaction for today as well by end of business. The funds were removed from my account balance in the Online Banking app, leaving the remaining available balance. The external bank registered with Discover for the transfer never received the funds and upon calling Discover and having to ask for a supervisor, the refused to cancel or reverse the transaction claiming its the WEEKEND and it will take 4 to 7 BUSINESS DAYS before the transfer occurrs! This after receiving confirmation email from Discover at XXXX! ( during a BANK BUSINESS DAY, TODAY XX/XX/XXXX! ). The supervisor refused to cancel or reverse the transaction and refused to provide a mailing address, phone number or any other means if contacting their legal department, claiming they have no information and the transaction is being processed. I demanded my transaction be canceled and the account closed yet they refused to accept the fact that I did the transaction in the parameters of a normal bank business day. I want my money back as they are going to cause me to have a late mortgage payment! I have a XXXX XXXX XXXX to keep a roof over his head and I'm XXXX. They took my government XXXX XXXX  and are holding it without warrant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: AL

Complaint narrative:
I am currently on a mortgage forbearance with Flagstar Bank. Forbearance began XX/XX/XXXX. The forbearance was extended through XX/XX/XXXX. Since then I have received a notice on my door to contact the mortgage company. The notice was received XX/XX/XXXX. The man that left the notice did not attempt to make contact. He hung the notice on my door and took a picture. I saw this on my ring camera. I called the mortgage company ( XX/XX/XXXX ) and was informed they would keep coming out as long as my mortgage was in a default status. I explained that I was in forbearance and was not in default at the time when entering forbearance. The rep stated forbearance doesnt stop me from going into default because I still owed and they would continue to make attempts to collect during the forbearance period. I inquired about my options at the end of forbearance. The rep started to discuss the option of mortgage deferral. I asked a question about some of the information provided. The rep did not respond yet I could clearly hear his background. I stayed on the phone repeatedly saying hello, hello? He never hung up but would not reply. I could only hear his background noises. I eventually hung up. He did not call me back and I did not call back because it was clear he intentionally was not replying to me. I have not been able to find information regarding collection attempts during a forbearance. I was on a brief forbearance with the mortgage company prior to Flagstar assuming the loan. Not once did the prior company have anyone come to my home to leave notices nor did they make any collection attempts. Clearly, I chose the forbearance option because of a temporary hardship so why would they think their collection attempts would make my circumstances change.

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 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
Back in XXXX of XXXX, I was a victim of Idenitity theft, I filed a police report when I disovered there were fraudulent accounts being opened under my name 11 to be exact, by XXXX XXXX XXXX, The items and accounts are being reporting on Early Warning Services LLC, I have Filed Several disputes with them to only have them remove everything but the following 11 XXXX XXXX accounts. I recently was able to place a block on the Early Warning Services Report, and I also filed a report with the FTC all the documents I will have attached, I have attempted to dispute this directly with the bank I have been given the run around since XXXX, This is hindering my life as I am a victim of my idenitity being stolen, I can not currently open any accounts until this is resolved and removed from EWS. This is hindering my buisness.and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I organized a wire transfer to pay for a kitchen ( final payment ). Chase bank cancelled it without notice and did not call me ( no records of missed calls ). They informed me I had to call them " If we have not spoken with you about this, please call us at XXXX and enter option 3 to prevent further restrictions on your account. '' I called and waited 50+ minutes. The operator wanted personal details I was uncomfortable proviging ( pin number, passport number ). This number was only provided in email and NOT published on chase.com - I declined to give these details. 

My kitchen will now be delayed when I have several contractors lined up. Its not clear if the time can be made up. I'm unable to get help from Chase without unreasonable verification. I was told to go to the branch. Chase did not send me a secure message. I do not know how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
This was not the same complaint. The day they received the first complaint, they added another XXXX, with that doubling the amount they defrauded me with. 
1st # XXXX XXXX # XXXX They made you believe they found the payment. Never took off the 2nd fraudulent XXXX. So I paid it, even tough I did not owe it. 

Today, 2 weeks later, they came back and added the 2nd XXXX dollars again. I paid my card off. I did not owed XXXX dollars. 
This is fraud and they still try to defraud 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