vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC
State: CO

Complaint narrative:
You declined my check XXXX XXXX XXXX XXXX, NO valid reason given in your response. Your letter stated the factors maybe the check #, dollar amount or check writing history. Your letter had 2 years of my transactions from the store with NO problem in my history. I have been shopping at the store for over 30 years, EVER have I bounced a check. I called your customer service dept. and she couldnt tell me anything other than use your debit or credit card. Your letter stated this information is retained on file until the item is paid, 4years from the check date, or until notified by the reporting source. From my conversation with your agent I cant write a check at our grocery store because you dont like my check #, amount of check. Your letter stated No information on file on reason for outstanding items. I gave all my information, drivers license, checking account, routing and you have no valid reason for the decline. 
This complaint is also going to XXXX grocery store, and to our attorney. I want to know I can use my checking account at the store with out being humiliated in front of other customers and cashiers.

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 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
This concerns Binance.US. On XX/XX/21, I mistakenly sent the incorrect cryptocurrency to my Binance wallet. The currency in question now has a market value of over {$40000.00}. This represents a large portion of my investment portfolio. Since, the cryptocurrency I sent is unlisted, they now refuse to reverse the transaction. In effect, they have access to the asset, but for technical reasons refuse to send it back. If a bank accidentally put money into my account and I refused to give it back, Id be charged with theft. Many consumers have complained about the inability to recoup unsupported assets that they have mistakenly sent over. This is a big issue with both Binance and XXXX. The fact that a company can refuse to turn back over property mistakenly sent should be considered a crime. People are going to make mistakes. They shouldnt lose their livelihood because a company refuses to turnover the individuals OWN property. I understand a fee being charged for the reversal, but refusing to do so at all is unacceptable. I am simply asking the individuals at Binance to return the incorrectly sent asset and allow me the dignity of being able to take care of my family. I have attached the XXXX to show the transaction from my account to the Binance Wallet. Again, this happens to so many consumers and we have no way of fighting back as these companies dont seem to have an rules that stops them from completely running us over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone stole my personal information and applied a Bestbuy credit card. But the address that the person used to applied the credit card account wasn't my address. It was my sister 's old address ( My sister moved out from this address since last XXXX but she goes to pick up letters from the old address periodically ). The credit card was mailed to my sister 's old address and my sister informed me on XX/XX/XXXX that I had a credit card sent to her old address. I was shocked because I never apply any credit card recently and I called the # on the back of the new credit card and informed the representative that it was a fraud and requested the credit card to be cancelled immediately. The representative confirmed me my personal information and cancelled the credit card and give me another phone # XXXX to call the coming Monday to place credit alert on my credit report. I was told the fraudulent amount is about $ XXXX.The representative also told me this will be investigated by the ID Theft department and the result will be mailed to me within 30 days. 
I placed freeze request on credit report for 3 credit bureau immediately after the call. 
I also called the investigation department on XX/XX/XXXX by XXXX. I also told the same thing. This issue is under investigation and result will be mailed to me within 30 days. 
Besides that, I received credit card denial letters from XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mortgage was paid in full XX/XX/2021. Today, XX/XX/2021, received a letter dated XX/XX/2021 indicating that they received a request for transfer of deed in lieu. I contacted Champion mortgage to return the unused portion of the insurance premium a few days after closing. Almost 6 weeks passed and I called again because it hasn't been received and was told that it was sent to the wrong address after I have received NUMEROUS documents from them. They are withholding the unused insurance premium and sending documents for me to sign for a deed in Lieu when the property has had a new owner since XX/XX/2021 and they have had payment in FULL. 
This is the worst servicer I have ever dealt with and I work in the mortgage banking field!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TX

Complaint narrative:
XXXX was removed from all 3 major credit bureaus because I have no knowledge of the debt that they are claiming that is for me. After being removed from my credit report the company requested that the information be reinserted. According to the fair credit reporting act, section 609 they are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts posted to my credit report. They are reporting false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TX

Complaint narrative:
XXXX was removed from all 3 major credit bureaus because I have no knowledge of the debt that they are claiming that is for me. After being removed from my credit report the company requested that the information be reinserted. According to the fair credit reporting act, section 609 they are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts posted to my credit report. They are reporting false information to 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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XXXX I sent out a letter to the credit bureau and creditors asking them to validate the debt by sending proof that the debt was tied to me. Its been over a month and I have not received any documents with my signature that would tie me to the debt. This is violating my rights as a consumer under the statute code 15 USC 1692g. The credit bureau is also violating my rights by reporting these unauthorized accounts to my report without my permission and without conducting the proper investigation.

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 2021-10-26 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: Regional Management Corporation
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} Regional Finance XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
XXXX ** 2021 I purchased a new car through Kia finance, for {$54000.00}. All consumer credit transactions are to be in accordance to 15 USC 1605 Determination of a finance charge ( a ) ( b ) ( 1 ). The documentary evidence shows at least 3 violations that would automatically void my consumer credit transaction pursuant 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) Civil Liability which clearly states ANY creditor who fails to comply with any requirements under this chapter ; in the case of an individual action twice the amount of ANY finance charge Violation # 1. Kia took a down payment of {$2000.00}, the finance charge dont include charges of a type payable in a comparable cash transaction. No cash is needed in a consumer credit transaction.

Violation # 2 Except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction shall be determine as the sum of all charges Documentary evidence will show monthly payments and again a down payment. The finance charge is the SUM of all charges and there is to be no cash in a consumer credit transaction.

Violation # 3 ( b ) ( 1 ) ) Charges or premiums for credit life, accident, or health insurance in connection with any consumer credit transaction SHALL be included in the finance charge ; the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying or obtaining the extension of credit I was told I had to have my own insurance up on credit approval to complete the consumer transaction, And i was never shown a disclosure regarding insurance in accordance to finance charge.

Violation # 4 Because my car is being used a security interest Kia Finance was obligated to notify me of my right to rescission pursuant 15 USC 1635 Right to rescission as to a certain transaction.. the documentary evidence will show I wasnt notified of my 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 2021-10-26 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} PORTFOLIO RECOVERY XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 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: FC HoldCo LLC
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you.

Account Opened Amount FLAGSHIP CREDIT ACCEPTAN XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX  XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I applied for a loan modification after my Covid forbearance ran out. I was sent a letter on the XXXX saying documents were missing. During the month it was in the review I received over 10 collection calls and not one told me documents were missing. Right after on the XXXX SLS ( Specialized Loan Servicing ) Saying THat I was denied for all options to keep my home and continue paying my mortgage. XXXX was done even though our COvid hardship has passed and My wife and I are working and willing to pay to keep our home. We just can't pay a year 's worth of payments in one shot. At no time did they offer any of the government waterfall options. How would I be able to reply and send documents if they sent a rejection on all fronts a day after asking for documents? Obviously, all they want to do is kick us out and not even give us an opportunity or respect the Covid programs given by the government. Please help us as we are being railroaded by an obviously crooked loan servicer.. 
Sincerely, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX  XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-26 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information 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 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am using Chime. I tried to mobile deposit a {$1000.00} check from my employer for moving expenses. It was a hand-written check on the company account. The check was declined and I contacted Chime as to the reason the check was declined. After talking with three different individuals including a supervisor I was told they could not give me a reason why it was declined. I find this unacceptable and feel they need to be reported for their practices. There has to be a reason the check was not accept and I want to know why so I don't incur this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent in a Letter to Equifax 31 days ago disputing information on my credit report. Which has caused me not the ability to refi my home. that all the inquires were not me and to provide me documentation that i signed for these inquires to happen. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX also reached out to this collection company stating i had a cox communication account which i never have. and to provide me documentation that i did signed a agreement with the company. I also was never notified 30days prior to this going on my credit report per the Credit reporting act. 

Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$65.00} Amount {$65.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX I need the items Removed if there is no proof that can be generated with my wet signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: DE

Complaint narrative:
Please see the attached documents as it includes my complaint and my identification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CA

Complaint narrative:
When looking at my credit report on XX/XX/XXXX XXXX XXXX updated an unknown account on my Transunion Credit report. I have no knowledge of this account and I disputed it with the Credit agency as well as the creditor. This is not my account and it shows up as an unknown account on my transunion credit report. I would like this account removed ASAP as it is not accurate and not my account. According to information on my credit report it says that it has been closed since XXXX so why would there be an update in XX/XX/XXXX? This is a fraudulent account.

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 2021-10-26 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: AZ

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation