vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
first of, I am a member of the military and I have made numerous attempts to get the 3 credit bureaus to fix the inaccuracies on my credit report. The latest is a certifed mail to all 3 bureaus dated on XX/XX/2021. Instead of addressing my FRCA and HIPPA rights as a comsumer, EQUIFAX decided not to investigate and send me the attached letter accusing me of not doing my own credit repair. I am here to tell you and all 3 credit bureaus that I have spent numerous hours researching in order to be a better consumer. I FIX MY OWN CREDIT AND NOONE HAS HELP ME. Please direct EQUIFAX to do its job and to stop Equifax of falsely accusing me of hiring anyone to repair my credit. I have not. See Equifax letter to me calling me a liar. Hopefully I wont need a lawyer with your help in keep these big reporting companies in line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: IA

Complaint narrative:
I've been having my direct deposit from work deposited into a bank checking account the bank name is CURRENT CHECKING for the last 3 months with no problems up until XX/XX/2021 when I tried to reach them several time 's by phone and email trying to inform them that needed to update my new mobile phone number for my account banking account because I couldn't access it in app or online do to there security recovery verification essentially sending a text message to my device with a code to authorize me as the account holder so essentially I can not get into my account with new number XXXX called the toll free customer service number on back of card and to find out you can not reach out to a live surrport agent the whole system is automated with different account options mind you there are 5 different automated categories ultimately all redirecting you to the mobile app online for surrport with absolutely no options to be connected to a live person so I go online to the mobile app current and we'll obviously I can't sing in due to technical difficulties so I stroll down page to find contact and support I click it sends me to email surrport so I fill out the report for what I needed help with along with all of my credentials then email couple minutes later get email from surrport current banking in mind you all automated emails referring back to same questions and about how to recover account back to back I've gotten 2 of same emails from there surrport team both of referring back to the recovery process like they weren't processing my account information I was informing them of in emails at not one point in either emails did they acknowledge my presence and ultimately I can not get a hold of a live agent outside of the app unless I'm signed into my account and I can't touch any of my money move it around or even cancel my card to have new one sent out I have emails I've provided as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Hello, Im XXXX XXXX. I have a PNC SmartAccess Prepaid Card Account. I have serval charges to my account dating back to XX/XX/2021. In XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I have serval transactions adding up to around XXXX & XXXX ( XXXX )!! 
I disputed almost all of these transaction and I canceled my card because these transaction were not authorized by me. I believe someone had all my card info, it wouldnt be hard for someone to make unauthorized transactions with PNC Smart Access Account because everything needed to make a purchase is right on the card. The only info you need to make a purchase with my prepaid card that is not actually on the prepaid card is my billing Zip Code or address and if it was someone I know that stole my card info then they know my address & could make any transactions/purchases! I know I didnt make these fraudulent transactions and I dont understand why my disputes were denied, with whats going on in the world today I definitely need my money back!!! And whats the point in having FDIC insurance if I cant get money back that was technically stolen from me?!? 
Thanks in advance I really hope something can/will be done about my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The new Synchrony/Chevron website does not work. Every time I try to pay my bill, it kicks me off the website when I try to enter the payment information. I cant submit information for auto-pay ( which is what I used to have set up, before Synchrony took over ). I cant even use the pay as guest feature, because it also kicks me off the website when I submit the payment information. I have tried it with multiple browsers and different operating systems ( both Windows and iOS ). When I tried to access the customer service features on the website, it also kicked me off. At this point I am extremely angry because it is a waste of my time and now it is telling me I have to contact customer service via phone and the wait times are extremely long. I have been an excellent customer for years but I am fed up. My bill is due on the XXXX and today is the XXXX. If I am charged with a missed payment, I will seek legal counsel and sue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have made several attempts to dispute the inaccurate inquiries reporting on my credit file. Equifax did not properly investigate those inquiries and they remain on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I noticed 2 bankruptcies on my Transunion reports in XXXX I trying contacting them about this unknown information, Bankruptcy # XXXX and Bankruptcy # XXXX, several times throughout XXXX to XXXX. In XXXX of XXXX they stated they verified with third party entity LexusNexus that the information is accurate. I thought they had to get all information from a original source. I then contacted XXXX and they provided me with my file on XX/XX/XXXX. The file they provided me a copy of my XXXX report has no Information about any bankruptcies. I once again notified Transunion about the lack of information and asked for it to be removed, TransUnion verified these items again. This time they said they verified the information with the court. So I contacted the court clerk by mail and they responded with a letter that stats the court does NOT verify any personal bankruptcy information with any reporting agency. 
I then filed a complaint to the CFPB and waited for a response. I sent the letter from the court to them and TransUnion still verified these items again with the court, H OW, they must prove this information is accurate. I don't think they are doing any investigation. 

How is this possible after I have provided proof that they DID NOT VERIFIED THROUGH THE COURT, AND THERE IS NO BANKRUPTCY INFORMATION IN MY FILE FOR THE THIRD PARTY XXXX. I May have to take legal actions, because I believe my rights are being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
I transferred {$8000.00} to Binance US in XXXX and XXXX. I got a new phone number and can no longer complete phone verification of my Binance US account and no longer have access to my account. I have put in several support tickets with Binance and they do not respond to their requests for help. They need to send me my money or call me to assist me with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/21 I sent 3 credit bureaus a copy of my credit report. Which includes inaccurate information on my credit report including accounts open date to balanced owed. The bureaus know if information not matching with others you have to delete off my credit report. Unfortunately, they never did. Which is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 I opened an account with Bank of America and I transferred funds from another account with them an was wanting to make a purchase online through plaid services and also XXXX and also ACH and continued to even enroll in the online banking I've been having trouble with their app saying that I'm not allowed to online banking option but then I go on my Chrome Explorer and I'm able to log in to my account and have my agreements and everything disclosures that they have given me saying that I do have online enrollment and so now I'm trying to purchase something through other ways to purchase, still they are blocking my payment for purchases when I have Mobile online banking I just haven't got my card in the mail yet because I just signed up a couple days ago this is unbelievable and irritating because it happens to be night time where I can't get a call Representative online to talk to so very inconvenient very frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal has closed my account down for no reason at all and told me they is no way for me to get the money in my account back. Im not sure if this is a mistake but I assume it is. They told me to wait 180 days for my money and that is something I cant do, I feel like they arent doing their job properly and this is effecting me as I really need the money in my account. My email link to PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts, inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX AUTO FIN on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX ACCEPT on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) 6. XXXX  XXXX AF on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX-XXXX-XXXX/XXXX.

Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed an account with XXXX  on Experian for the past six months to no avail. I have furnished to Experian a letter from said company stating that the account in question is closed and they refuse to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 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: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I have disputed an account with SLS on XXXX  for the past six months to no avail. I have furnished to XXXX  a letter from said company stating that the account in question is closed and they refuse to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I never heard of Portfolio 's Recovery before XX/XX/XXXX when I came home to a notice taped to my door about a lawsuit in a place where everyone could see what is going on. They never sent anything by mail that I owed them a debt nor did they use a carrier service to deliver the summons, and lied to the court about this since I was working from home at the time. I have no knowledge of this debt and this company has failed to provide physical proof that I was the one who opened the account and without this proof, I am concerned that this company is trying to use a lawyer to pressure me into paying money that I do not owe. This includes statements that well under Arizona law, they do not need to show proof as to who opened the account yet when the account was opened, I was a Florida resident and was a Florida resident until XXXX. Also, under the US Constitution, the 4th Amendment to the bill of rights clearly states beyond a reasonable doubt. In this case I am looking for physical evidence that I was the one who opened the account such as pictures showing me opening the account or the signed original copies of the contract with my handwriting on it. Without this proof,, how do I not know I am a victim of a scam. Even more disturbing, the lawyer also did not state the law either. Now, I am receiving phone calls non-stop from this company and from multiple numbers to the point where it is interfering with my job. I am concerned someone falsely created the credit card statements, this company is running a scam, or someone had stolen my information in the past, which I am very certain one of the three is the case and they are trying to collect on money that I do not owe. This company also continues to disrespect me because they refuse to use my married name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: MD

Complaint narrative:
The mortgage company has money from a check from my insurance company. The money is to repair my roof. The total cost of the roof replacement is approximately $ XXXX. The mortgage company has $ XXXX. The contract/estimate from repairing company states the need XXXX of the total repair cost ( $ XXXX ) to start the work. The mortgage company will not release XXXX cost to repair the roof. Meanwhile, my house is damaged more every time it rains since the repairs have not started. I have asked several times for them to provide XXXX of the total cost. The company only wants to release XXXX of the $ XXXX which is not what the contract requires. No one provides a response to me after I have made my requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Had a thief happen some years back things still pop up. There's so many things wrong on my report, Im not sure who it belongs to never got that far. Inquiries I have no idea how they are being generated but a lot of them have been reinserted on my report. Inquiries listed below are inaccurate, please help me deal with my discomforting situation. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX 8. XXXX XX/XX/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 2021-04-21 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC

Complaint narrative:
I started my 1st refinance process in XX/XX/2020, I supplied ALL documents they have requested. I paid out of pocket for my appraisal which was promptly completed. Hee 's where my problem comes- They have done 2 hard inquires on my credit causing me to take a total of a XXXX point hit. They have taken so long to complete the process and keeps asking for the same documents over and over even though already submitted. 
- I have called them several times and have received NO information on how or when this process will be completed. Calls go unanswered. My last loan officer QUIT after doing a credit inquiry just a few days ago. Since then it's just a run around in circles. PLEASE INVESTIGATE THIS COMPANY. LOOK AT THEIR REVIEWS I AM NOT ALONE. HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation