vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have requested validation of the Bankruptcy XXXX XXXX that Experian is currently reporting inaccurately on my credit report. They also have accounts : ( XXXX XXXX XXXX  ) stating included in chapter XXXX bankruptcy as well. 
These are just some of the file numbers of requests I have made to Experian to remove the inaccurate information on my credit file ; XXXX, XXXX and XXXX. With all of these complaints Experian responded stating " the account as verified as accurate by the creditor. 

I have disputed that the inaccuracy consisted : incorrect date of filing and resolved. I have disputed the chapter XXXX bankruptcy as being inaccurate. I disputed the entire information on credit file with the bankruptcy was inaccurate. 

I have included a copy of the bankruptcy with dates that they claimed they verified and the type which they claimed they verified and with the dates of discharge which they claimed they verified multiple times. 

The inaccurate reporting of my credit file was the reason for my denial for the home I was trying to purchase for my retirement this coming 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 2021-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX EST, I made a 14 minute and 34 second phone call to XXXX XXXX XXXX I negotiated a settlement of {$370.00} om my balance of {$690.00}. The representative said I could get a settlement paid letter that same day if I agreed to pay it off. I made the payment and then she said they can only mail it out regular mail. I was told it would settle my account in full but they are reporting that I dispute the debt, AFTER resolving it. I asked to speak with a manager and she addressed me as " dear '' which I find very inappropriate and i viewed it as harassment. I called the next day and the said they submitted the request for the letter and they could not tell me when I would get a letter bit assured me the account was resolved after completing the settlement. I still have no record of the settlement being completed and now they updated my CBR to something inaccurate, respectively to what actually happened, in violation of the FCRA. They violated UDAAP by saying the account would be resolved as a settlement in full when that is not what actually happened and as well as promising me a paid letter the same day which was not done. I would not have made the payment if the representative would have told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I asked credit collection XXXX to explain this erroneous debt several times, they havent sent me any letters, my credit repair company or any of my representatives. They claim this was from a company called XXXX, however the times Ive used XXXX, I havent owed them any outstanding balance. I called XXXX  and they said I have no debt with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted my mortgage company, BSI financial regarding my supplemental taxes. I was told that since there was enough money in my escrow account, they would be able to pay them on my behalf through my escrow account. I was asked to email a copy ( attached ) of the tax bill to the company and told that they would be able to pay it by the due date of XX/XX/XXXX since the process only takes 3-5 business days. The supplemental taxes were not paid on time. I then contacted BSI financial and was told their accounting department did have the request, they were working on it and any fees related to the payment being late would be covered by them since it was there error. I then followed up with the company every 2 weeks to follow up on the payment being issued. I was always told that they have the request, they are working on it and they will cover the late fees. I was also told several times that agent XXXX XXXX XXXX would call me back, or a supervisor would return my call regarding the status and no one ever called me. On XX/XX/XXXX the company did a escrow analysis and issued a check to me for {$7600.00} instead of paying the supplemental taxes. I called and spoke with an agent XXXX XXXX XXXX who said that the company was not responsible for paying supplemental taxes and there wasnt enough money in my account to issue the payments. I explained that there was enough money in the account before they conducted the escrow analysis and issued me a refund. She stated she would speak with the tax department and get back to me. She never returned my call. I then spoke with a supervisor XXXX XXXX XXXX who told me the issue would be fixed and they would cancel the analysis check, pay the supplemental taxes and pay the fees. On XX/XX/XXXX the company paid the supplemental taxes and fees using money from my escrow account. Despite the fact that every agent I spoke with told me the company would pay for the late fees since it was their error. I have also received a letter stating they are reducing my mortgage payment to account for excess escrow funds. This is wrong. My mortgage payment was the correct amount to pay the taxes after they are reassessed from the purchase of the home. It is unclear to me why BSI financial does not understand that the taxes were reassessed and are higher. This company has completely messed up my escrow account at this point and no representative or supervisor is able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
Original mortgage joint loan and joint ownership. One party XXXX XXXX XXXX. Mortgage company was notified and sent copy of death certificate. I was advised no need to refinance because I was already on the loan. Invoice had the XXXX person listed on it and I requested this changed to my name. They refused. Today I received an escrow check made out to the person that XXXX instead of myself. I have been making the mortgage payments, not the person who XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: OK

Complaint narrative:
My circumstance deals with my government covid relief money XXXX was deposited on my netspend account card.. I had checked my balance several times prior to this waiting for it too be deposited because i am about to lose everything.. 
Because of the balance checks they froze my account.. Needing from me 3 forms of id and my w2 forms ... I have done XXXX XXXX XXXX XXXX XXXX and I feel as if i am being discriminated because of that.. My Id was recenetly lost and I do not have the money to get that.. And how will i produce W2s from my time in prison?? I have the same phone number i have the same address and the same name and ability to state my mothers maiden name and my pin and ss number.. I have talked to them 3 times and every time they give me more stuff i have to come up with.. I am trying to stay calm.. but i have fines to pay and im trying to get my life together.. They shouldnt have the right to keep my money for checking my balance in anticipation..

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 2021-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We are facing the covid outbreak into the second year. I had done birthday shopping before the outbreak started. I heard that all payments and credit debt would not affect us while we are paying. My friend told me about your site. I don't know anything about you guys but my credit score has been going from XXXX closer and closer towards XXXX. Plus the interest fees are non stop. I have only chase bank credit cards. My job had me only working 1-3 days because of covid during the large scale XXXX XXXX. Not only have i been scared for my life, but my debt kept piling up and piling up and every time I get a stimulus, the whole thing pays my debt in only a small portion. I don't get to enjoy it like everybody I see partying or traveling. I do not feel like I am happy at all with life. Please help clear my mind. I don't know how to keep on surviving with debt. I don't want debt. I was on an excellent path of immediate payments. I even managed to pay the XXXX in college loans off. For a long time pre- covid, I had everything in control. Covid changed everything and it's not fair. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have 2 private student loans totaling {$100000.00}. These loans have been in deferment from XX/XX/XXXX to XX/XX/XXXX. During the deferment period, no interest is supposed to accrue, therefore no interest should start accruing until XX/XX/XXXX. This is stated in the loans ' Master Promissory Notes as well as specified verbatim in the loan servicer 's ( University Accounting Service , LLC ) deferment confirmation letters. However, interest has been accruing on a daily basis. When I call, they will acknowledge the mistake and remove the interest only for interest to continue accruing on the next day. Interest continues to accrue on a daily basis necessitating me to call multiple time for them to fix the issue. The issue has not been fixed. Interest on these 2 loans continues to accrue while in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/2021, I tried to send around XXXX ( XXXX XXXX XXXX litecoins from Coinbase XXXX to XXXX. Usually, this process should take 30 minutes.

This time, my transaction never hit the block chain and its been left on pending for approximately 15 hours. Coinbase XXXX  did not provide me with a transaction ID and my balance still says I have the approximate XXXX XXXX, but i can not touch them as they are still " pending '' I contacted Coinbase and they did not help me. this is a lot of money to be messing with. 

The case # s from coinbase are # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Have sent forbearance a ton of times and they keep saying they never got it or it was missing one thing or another. Since it was a spousal loan they need my ex husbands too. This last time they have been made aware that I am in school and I sent over my husband deferral form 4 times and as of today they still do not acknowledge it and refuse to help. I do not currently have funds to pay the cosolidation loan and ex husband doesnt work or wont pay it. I am sick of being ignored and them refusing to help in any way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Description of Complaint : The initial issue stemmed from a chargeback on a crypto purchase. When I became aware of the issue, I made a deposit of 5 times the amount of the {$100.00} chargeback. I have submitted over 15 support tickets in the past month with ZERO response to rectify my inability to trade. Binance has denied me access to over {$17000.00} in cash and crypto assets for over a month which is unacceptable. I have missed out on numerous opportunities to make trades that would have benefitted my family financially. I have fulfilled all actions on my behalf to resolve the chargeback, such as depositing more than 5 times the amount of the initial chargeback. Binance immediately deducted the amount of the chargeback from my deposit, but NEVER restored trading ( buying and selling ) functionality to my account. The deposit for chargeback resolution was made on XX/XX/XXXX, which is over a month with no trading ability. Bad business practices from financial institutions are unacceptable and create consumer distrust in the marketplace. 

Binance written policy which has been violated states as follows : How to restore access : To regain access to your account, please check your deposit history and email for any chargeback notifications. If you have received one, we'll need you to settle the dispute by making a new deposit and return the appropriate amount here. I've repaid the negative balance on my account. What happens next? Contact our customer service team here. We'll verify your transaction, and your trading and withdrawal ability should be restored within seven days. 

Desired Settlement : I would like my trading functionality restored immediately, as well as a formal apology for the gross negligence of service which has caused me financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I previously notified TD Bank that I am a victim of identity theft, and requested that they do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation from the bank of these actions. They did not send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I enclosed a copy of my FTC Identity Theft Report to them because the information they are reporting is the result of identity theft, and inaccurate, I request that they stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

This company has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: NJ

Complaint narrative:
on XX/XX/2020 I sent a letter pointing to inaccurate and false and accounts reporting on my credit report. It has been 60 plus days and nobody has yet to respond to my disputes on the matter. According FCRA 15u.s.c. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 u.s.c. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ) and caused me stressed and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX Data Breach or I will file for litigation.

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 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
well, on the XX/XX/2021, between the hours of XXXX. - XXXX, a total of {$400.00} was taken off of my card, and now, i found out that i had to call my Bank, the Chase Bank XXXX and they aid that they will look into it, investigate it, and then i will get a credit of my {$400.00} back to my Account, and now they got my Banking Account in the negative, - {$170.00}, and I need to be back in the positive, {$260.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc
State: GA

Complaint narrative:
Hey, I am XXXX years old and I have a collection from Professional Credit MA located in XXXX, AR for the amount of {$160.00} that is reporting illegally on my credit. I was not old enough to have signed a contract, at that time I was 14 years old and right now it is hindering me from moving forward in my life while I'm trying to establish my credit.

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 non-monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: FL

Complaint narrative:
This auto loan was a joint account. Opened in XX/XX/15. And we contacted the loan company to resolve this once the other party took over the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: NJ

Complaint narrative:
on XX/XX/2021 I sent a letter pointing to inaccurate and false and accounts reporting on my credit report. It has been 60 plus days and nobody has yet to respond to my disputes on the matter. According FCRA 15u.s.c. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 u.s.c. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ) and caused me stressed and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX Data Breach or I will file for litigation.

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