vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is not reporting on the appropriate standard times which causes my scores to be stagnated and stay still. For example Transunion and XXXX representatives stated that the status is updated on the XXXX of the month. Accordingly my research Transunion did not update on the XXXX of month as stated I noticed an update on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc in XX/XX/XXXXand XXXXThis is not consistent. The dates are dates ae off. XXXX representatives told me they update on the 1st of every month. They are not updating properly which puts me at a disadvantage to move up financially and to look favorable for loans in the future for school.

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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX  is not reporting on the appropriate standard times which causes my scores to be stagnated and stay still. For example XXXX  and XXXX representatives stated that the status is updated on the XXXXXXXX  of the month. Accordingly my research XXXX  did not update on the first of month as stated I noticed an update on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc in XXXX  and XXXX.This is not consistent. The dates are dates ae off. XXXX  representatives told me they update on the XXXX of every month. They are not updating properly which puts me at a disadvantage to move up financially and to look favorable for loans in the future for school.

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 2021-06-04 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
After finding the incorrect information on my credit report I contact the company SYNCB/car care XXXX XXXX and explain to them this was not my account I have no knowledge about what this account means they then explain that they understood and said that it was not me and that I needed to call the three credit bureaus and to report to them this information of an accurate nature then after calling them again they told me that they have found the problem and that it would be corrected and the error information would be taken off of my credit report this was not done. This began in XX/XX/2021 and now it is XX/XX/2021 after several or more attempt to rectify the problem they are holding me hostage with this miss information that is on my credit report. To look on my credit report will show that my credit is impeccable I never am a delinquent with my bills.

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 2021-06-04 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: Porania, LLC
State: NY

Complaint narrative:
1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 


4. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

5. Identity Theft XXXX BANK Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I had an account placed for collections with a company called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX XXXX is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports immediately.

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 2021-06-03 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: Velocity Portfolio Group
State: WA

Complaint narrative:
I had an account placed for collections with a company called CKS Prime Investments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX CKS is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports immediately.

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 2021-06-04 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
I had a debt with XXXX XXXX of California. It was a payday loan unsecured for XXXX. This debt was applied for XX/XX/XXXX. I defaulted due to having to move out of state as i could not afford to live in XXXX. I moved in XX/XX/XXXX to XXXX. I struggled to find a place to live with my family of XXXX and to find gainful employment. The debt was sent to collections after 6 months of non payment. Due to California 's statute of limitations the debt is no longer valid. This company National Credit Adjusters has called me everyday for the past XXXX yeasr from various phone numbers and threatened legal action and to send the police to my place of residence if i dont give them a payment. Account # XXXX. They are also falsely reporting that the account was opened XX/XX/XXXX when it was originally opened XX/XX/XXXX. 
XX/XX/XXXX Call from XXXX threatened to sue me and told me police were on their way. 
XXXXCall from XXXX threatened to sue me and told me police were on their way. 
XX/XX/XXXX Call from XXXX called and said a case was opened against my social security number and i would be arrested. 
XX/XX/XXXX Call from XXXX called and threatened to reveal information to my employer XX/XX/XXXX Call from XXXX called and threatened legal action against me and told me police were on the way. 
Everyday i receive emails and phone calls from this agency threatening me and falsely reporting this information to the 3 credit bureaus. The company National Credit Adjusters have damaged my ability to apply for new credit. 

I have also sent certified letters every 45 days to all 3 credit bureaus asking them to verify this debt. I have never received any documentation from any of the credit bureaus nor national credit adjusters regarding this debt in writing. They have violated my rights under the Fair Credit Reporting Act. 
Letters sent certified from letterstream.com to XXXX, XXXX, and XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/20 I purchased XXXX passes for {$370.00}. But with covid 19 the epidemic. The passes were not able to be use by the deadline in XXXX. I ask wells.fargo to dispute on mu behalf and did nothing. I'm strongly thinking of taking my business to XXXX or XXXX XXXXXXXX. They are better with handling those issues. WF stink as a bank and their fees handling with warning you about overdraft also. They Claim they can't alert between XXXX to XXXX. I know that's not the fact I had got alert at XXXX about banking issues. They just want to charge that overdraft fee of 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 monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VA

Complaint narrative:
Amerisave has not abided by its terms to make good faith efforts to close on my refinancing application despite my having turned in every requested document. It has been almost a year since I gave them my {$500.00} deposit and then locked in rates at historic lows. Because of their malfeasance, they did not timely close as promised in XX/XX/2021 and as an excuse, said the appraisal expired. They claimed they had to do another full walkthrough appraisal, but this is false. They should have ordered a simple drive by appraisal to assure my house was still standing ( it is ) before the expiration date. But, because the record rates had risen significantly after my lock, they had a financial incentive to drag their feet and not close. They then demanded I pay almost {$19000.00} more in up front costs for the same mortgage terms. Yes you read that right they asked for {$19000.00} above the locked agreement. 

Because rates were rising fast and I didn't want to restart the process with another lender, I attempted to negotiate a " meet halfway deal '' and they gave some signs of cooperation and then hit me with new unnecessary requests for documents when I had already been approved by underwriting the first time around. I nevertheless gave them every document and proof of income they asked for but still no closing date. I have a XXXX credit score so they should want my business, but now it seems they would rather keep my {$500.00} deposit and hope I just go away, which is of course, fraud. They have stopped responding to my inquiries, hence this complaint. Below are the licensed Amerisave agents involved in this matter who need to be held responsible. 

XXXX XXXX Branch Manager NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX Desk XXXX XXXX Mortgage Sales Manager NMLS ID # XXXX XXXX XXXX Processor AmeriSave Mortgage Corporation NMLS ID # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My mother also banks at the same bank and one of the workers there oversteps her position and contacts my mother for issues with my account when my mother is not on my account. She does not now nor has she ever had permission to do this or make any changes to my account. She changes my account adds and subtracts fees and the two of them cost me money. I am tired of this she has broken the law time after time. I demand something is done

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 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: FL

Complaint narrative:
I have some major issues on my credit file that need to be reinvestigated asap.

issue 1. XXXX XXXX listed on my Equifax report has a late Payment from 2017, I was an authorized user on that account over 4 years ago I am not on that account and I am not responsible for the balance of that account Please delete.

2. Second issue I found inquires from various auto loan companies. I have only one Auto Loan with XXXX XXXX XXXX. I have never applied for accounts or loan with the following companies :, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I am hyper sensitive to any movement on my credit file I discover these last month and filed a dispute. This is my 3rd time complaining about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: FL

Complaint narrative:
I have some major issues on my credit file that need to be reinvestigated asap.

issue 1. XXXX XXXX listed on my XXXX  report has a late Payment from 2017, I was an authorized user on that account over 4 years ago I am not on that account and I am not responsible for the balance of that account Please delete.

2. Second issue I found inquires from various auto loan companies. I have only one Auto Loan with XXXX XXXX XXXX. I have never applied for accounts or loan with the following companies :, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

I am hyper sensitive to any movement on my credit file I discover these last month and filed a dispute. This is my 3rd time complaining about this issue.

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 2021-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit was ran multiple times on the same date I called XXXX and XXXX XXXX  multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.

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 2021-06-04 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: CA

Complaint narrative:
My credit was ran multiple times on the same date I called XXXX and XXXX XXXX  multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MA

Complaint narrative:
Two ACH transactions that occurred on XX/XX/2021 in the amount of {$500.00} each to Binance US /Custodian ( XXXX XXXX XXXX XXXX which never get credited to my Binance account. 

transaction # 1 On XX/XX/2021 {$500.00} credit to XXXX XXXX XXXX XXXX XXXX the tracer number is XXXX transaction # 2 On XX/XX/2021 {$500.00} credit to XXXX XXXX XXXX XXXX XXXX the tracer number is XXXX I have attempted to email their customer support Binance/XXXX  XXXX but never got a response back. I have submitted two support tickets about this issue with Binance US for months but they don't respond to my support request ( Binance support ticket # XXXX and support ticket # XXXX ) I would like to file an official complaint about the fraudulent activity with custodian XXXX XXXX XXXX and Binance US.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: AFNI INC.
State: IL

Complaint narrative:
After I reviewed my most recent report I found an items that I have never applied for nor have any communication. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. Be aware that this is an attempt to a violation of the federal law under FDCPA 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lost my wallet in XXXX and my driver license and social security card was in there. I continue to have to dispute items on my credit report. I also was a victim of the XXXX  Breach in XXXX. I have notice several inquires on my Transunion credit report that I have not authorize. I do not have any of these credit accounts XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX had a XXXX XXXX  since XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX had my mortgage since 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 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
On XX/XX/22 I exchanged virtual currency for USD in the amount of {XXXX}. My account was frozen due to KYC documents needing to be submitted. I have submitted the required documents but have not yet been verified still. Over a month without any correspondence back with customer service after submitting a support ticket. Having my funds frozen for going on 45 days is completely unreasonable and unacceptable. Binance.us clearly does not have the resources to operate an exchange. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC Bank allowed a merchant XXXX XXXX XXXX to withdraw money from my closed debit card. A fraud alert was placed on this card due to a dispute with this merchant. The debit card was closed in XX/XX/XXXX and the merchant was able to still withdraw money using the closed debit card in XX/XX/XXXX. This transaction wasnt authorized neither was it a revolving payment and most importantly, the debit card was closed. PNC refuse to accept responsibility for their error and credit my account accordingly. Ive filed 3 disputes with PNC but of course they have denied all 3 leaving me hanging to deal with their mistake.

Company response to consumer: Closed with explanation