vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 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:
Ive disputed this account US DEPT EDUCATION before and it keeps coming back as meets FCRA standards even when Ive provided multiple violations that it has committed. This account is supposed to be marked by the creditor as Consumer Disputes per the FCRA which its not and is a violation. XXXX  has already removed the account for violations but yet XXXX  somehow keeps finding it verified when XXXX could not. If all information is supposed to be accurate across all 3 bureaus how is it that XXXX  is finding it verified even so they did not even mark the date of which its last been verified.Ive submitted numerous violations that this account XXXX XXXX XXXX has committed. This goes for TransUnion as well for violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/2021 I submitted a letter to XXXX disputing the accuracy on a charge off account they have been reporting on my credit report Account # XXXX. ( See attached letter ). Their response to me on XX/XX/2021 confirmed that the all information being reported is accurate and correct. They provided me with a copy of the original contract. They are reporting this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There was no loan agreement in place. No goods or money were loaned to the alleged debtor. It is a violation of the FCRA to knowingly furnish or report false information. ( See attached copy of contract ). They are also reporting this inaccurate account as Open on XXXX  and Closed on XXXX. ( See attached documents ). They are reporting a recent missed payment on XXXX  and that is Incorrect as well and caused my credit rating to drop and because of this inaccurate reporting caused me to be declined for a credit increase with my bank during this pandemic. ( See attached document ). I have tried to get this corrected with them and they have refused to make things right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: CURO Intermediate Holdings
State: NC

Complaint narrative:
I have been trying to have this account removed from my credit report for about two years now. This is not my account! I did not apply for this! I did not receive any benefit from this account. I have reached out to the company directly and I have also disputed with the Credit Bureaus directly. The most recent time I disputed this account to a credit bureau ( XXXX ), they stated that this account meets FCRA guidelines and that the company AD ADSTRA RECOVERY SERVICES, stated that the amount that was owed was incorrect. They updated the balance by XXXX dollar. It reflected on my credit update on XX/XX/XXXX. Then on XX/XX/XXXX they updated my account again stating that the balance was decreased by a XXXX. This company is trying to make it seem like I am paying on a balance that I do not owe. This is unethical. The account is not mine and this company is falsifying information and it is affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
R S and Clark collection is not mine please have it remove and delete from my credit report I never heard of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Please see the attached letter I received in the mail Friday XX/XX/XXXX. This letter was sent by dynamic recovery solutions on behalf of national credit adjusters. In the letter it says that I owe original creditor XXXX XXXX. But on a previous claim I filed with the cfpb national credit adjusters responded that I owe money allegedly to Rise. National credit adjusters did not confirm that I owe the money to the original creditor allegedly called XXXX XXXX. Now I have this letter from dynamic recovery solutions telling me that I owe the money in the letter itself please see that it stated national credit adjusters will not report this to any credit reporting agency. But I checked my credit report in this debt alleged debt that I owe is on my credit report why am I being collected on a debt that I do not owe secondly I do not have any or have received any notice of proof that I owe this money to the original creditor called XXXX XXXX. More importantly this communication dated XX/XX/2021 from dynamic recovery solutions clearly states the because of the age of your debt national credit adjusters will not sue you for it and national credit adjusters will not report it to any credit reporting agency. Why is this debt this alleged debt on my credit report then? Please remove this debt from a credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello! I sent XXXX $ on XX/XX/2021 by swift wire transfer to my fianc because we are planning to make wedding but long time my fianc doesnt received it and then I recall my money back. But I DIDNT received the funds to my account back. I called to wire transfer investigation department and they are said that my option just wait. But I waiting almost one month and I dont want to loose my money. How can I see the track of the funds and where is my money right now?

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 2021-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Please see the attached letter I received in the mail Friday XX/XX/XXXX. This letter was sent by XXXX XXXX XXXX  on behalf of national credit adjusters. In the letter it says that I owe original creditor balance credit. But on a previous claim I filed with the cfpb national credit adjusters responded that I owe money allegedly to XXXX. National credit adjusters did not confirm that I owe the money to the original creditor allegedly called XXXX XXXX. Now I have this letter from XXXX XXXX XXXX telling me that I owe the money in the letter itself please see that it stated national credit adjusters will not report this to any credit reporting agency. But I checked my credit report in this debt alleged debt that I owe is on my credit report why am I being collected on a debt that I do not owe secondly I do not have any or have received any notice of proof that I owe this money to the original creditor called balance credit. More importantly this communication dated XX/XX/2021 from XXXX XXXX XXXX clearly states the because of the age of your debt national credit adjusters will not sue you for it and national credit adjusters will not report it to any credit reporting agency. Why is this debt this alleged debt on my credit report then? Please remove this debt from a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
Please I need you to look into the debts that is on my name that I have no idea that they exist to begin with. 
Starts from the phone numbers that used to be used by my ex-wife and ex father in-law that I never possessed before. 
Credit cards and loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: KY

Complaint narrative:
This company stopped applying any percentage of my monthly payments to my principle balance, all of these payments ( 8 months worth ) went all to interest payments. the first 3 months of this loan went as agreed, then the principle payments stopped. The last 3 payments I have made have had them resuming principle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My complaint is with Bank of America I am on unemployment and filed my weekly claim it takes two business days to receive your funds on the day to use the funds I did so and after purchasing a few items that morning of they froze my account and asked if I had valid verification of whom I am I repeatedly let them know due to Covid-19 all of the state of New Jersey Department of Motor Vehicles where close and that once they are due to open you have to make an appointment and appointment was months down the line due to COVID-19 I am very disappointed at the fact that they know it isnt possible to do so right now I am convinced that this is an fraudulent practice of there institute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
My wife and I applied for refinance from Freedom mortgage. 
We signed all the paper work and closing on XX/XX/2021. 
According to the closing document my first payment of {$1400.00} will be due XX/XX/XXXX. About 3 weeks into closing, freedom mortgage called to say the bank could not finance the deal so we have to pay the old mortgage amount of {$1600.00} for XXXX while refinance is redone. 
This was communicated over the phone whiles most other previous info was via email. 
I tried reaching out to my loan originator XXXX XXXX XXXX several times though calls and leaving message in his voice mail but no response. 
Why will the bank not pay? 
Why am I been called upon to pay XXXX mortgage via phone? 
Why my loan originator not communicating with me? why with such an important info, Freedom mortgage decided to communicate via phone ( which is ok ) but not official through email for my records?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive opened the account online because Im the pandemic time everything was closed and they told me to do online. I received my stimulus check of {$1200.00} since I had no other bank and cant go out so I MOBILE deposited the check ( {$1200.00} ). After few days my unemployment money started coming in the account. In the meantime theyve placed block on my account for FRAUD. They didnt send me email, mail, or any call. I had no idea about it. I started working that time also because my bills and everything. 
One day I deposited {$90.00} in the account and couldnt get access to it called them since THEY DONT KNOW ANYTHING ABOUT THE ACCOUNT OR THE MONEY THEY KEPT FROM ME. 
I had {$1000.00} in the account when I call they keep transferring my call and disconnected. 
After 3 long months I kinda found out that they blocked my account for {$1200.00} check FRAUD which came from government. I have every single piece to prove that wasnt fraud. 

They are not working properly with me and kept my hard working money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: NY

Complaint narrative:
On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the the company XXXX XXXX & credit bureaus including Equifax. They have yet to remove a fraudulent hard inquiry on my credit report known as theXXXX inquiry from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
My credit card had few unauthorized charges on my credit card. I have disputed them immediately online and by mail. While dispute was reviews it accumulated late fees and finance charges. Finally after long time dispute was resolved in my favor and all late fees and finance charges were reversed. However late payment was reported to all credit agencies which is not true as I was never late for payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 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: GreenSky, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the the company Home Depot & credit bureaus including XXXX. They have yet to remove a fraudulent hard inquiry on my credit report known as the/XXXX inquiry from XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: TX

Complaint narrative:
XXXX XXXX  was closed charge off Plaza services reporting XXXX XXXX  account with incorrect balance and open date

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
I put in a withdrawal on XX/XX/XXXX for {$500.00} and I still have not received any of my money or bank statements from this company. This is for Axos bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a Certified Dispute Letter to Transunion ( XXXX # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
Obtained pre-approval on loan prior to searching for a home and was approved for FHA loan and XXXX XXXX informed me that he will need 60 days to close on FHA. 
XX/XX/XXXX offer made on property at XXXX XXXX XXXX XXXX PA XXXX and not expected to close until XX/XX/XXXX based on what I was informed. 
Provided XXXX XXXX and his team at Cross Country Mortgage everything they requested in a timely manner. 
During the 60 days timeframe sent multiple emails were sent to confirm on track and request status update. 
I was sent disclosures documents to sign in middle of XXXX. At the end of XXXX I was informed that the loan Originator XXXX XXXX had made a mistake on the initial disclosures statement, my interest changed and points were being added despite the purchase amount of the property did not change. 
I confirmed after getting the disclosures paperwork with the increase that this will not delay closing as I was renting and I had already provided my lease termination letter to my landlord. 
Closing was to happen on XX/XX/XXXX however one week before that I was informed by XXXX XXXX that we are not able to close due to the error he made in the original disclosures paperwork. 
So closing happened 1 week after original date, however even after closing I was contacted to provide additional information and they did not have all of the necessary paperwork to the settlement office as requested 24 hours prior to settlement date, the paperwork was submitted with a couple of hours to closing time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was told that I owed XXXX for {$2.00} to XXXX credit car  which Ive never had I never open up the car from there and they are saying that theyre going to garnish my pay I have no idea what his car came from or who open it but it was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: NM

Complaint narrative:
Kraken Crypto currency Trading Co.

I opened an account with Kraken. Kraken web site kraken.com requires you to make a bank wire transfer to one of their company banks. XX/XX/2021 at my request my bank wired {$1700.00} to a XXXX account with XXXX XXXX. My bank emailed me the transfer was completed. No funds have been registered in my XXXX account. The only way to contact XXXX for help is through their email support system. I have emailed them 4 times, I only receive a generic response, We will contact you soon. 
I researched on line about Kraken Scam. There are XXXX of complaints from customers all over the US and world about Kraken Scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation