vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian ( CRA ) is continuing to report these inaccurate addresses and names on my credit report after I have disputed these addresses and names numerous times. I have sent them a copy of my driving license and bank statement with my current address and full name as it appears on my driving licenses. I just recently disputed this same information numerous times on XX/XX/2020 and XXXX of this year and they continue to report the inaccurate information and it's a false representation of me.They are setting me up for possible identity theft. I have also disputed this information with the grantor of the information and they have corrected it, but Experian is still reported the 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 2020-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/2019 capital one said I was late 30 days. I wasnt I even pulled up there bank statement showing where Ive paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
This account are reported inaccurately because if you will check the report it shows that the dates, payment histories and other information are different across the reporting agencies.

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 2020-12-04 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  XXXX XXXX XXXX flagged my account as 30 Days Past Due on XX/XX/2020 to both Experian and XXXX. 

When I contacted XXXX XXXX they stated that my account was not past due and that they had not reported the account as 30 days past due. 

I disputed the item with Experian, but after investigating, they claim XXXX XXXX still is reporting it as 30 days late.

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 2020-12-04 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
These accounts are reported inaccurately because if you will check the report it shows that the dates, payment histories and other information are different across the reporting agencies. I have a bunch of victoria secret 's account reported with the same issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hey my name is XXXX XXXX and I opened an account with chime online banking my unemployment deposited on XX/XX/2020 on XXXX XXXX,2020 chime online banking randomly suspended my account with out my knowledge I didnt know until I was ready too use my card for a store purchased I called chime online banking customer service and they couldnt give me any information I was told to contact there support team only through email. And once i did contact chime support team they asked for documents too prove it was me and and did so with the best of abilities and I told them Im in a middle of a crisis with my XXXX  basically XXXX  and I jus need my funds released.it took me two days too get a response only after threatening them with the attorney general and lawyers and chime support responded with an email stating that there jus going too close the account and my would be refunded that was a week ago and I emailed them again asking if and when my funds will be released chime support team responded say they can not give me any details and stop responding

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
It is a violation of Hippa law for medical records to be shared without the consent of the consumer. I did not give the creditor consent to share my information with a third party. I dont not owe any debt to the creditor or to the third party. my insurance covers the cost of all visits to doctors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
My mortgage is with Amerihome Mtg. I received a letter stating that I would only be able to make my mortgage payment with a cashier 's check. I have always processed my payments online, I haven't missed any payments ever. They stated that I had payments not honored by my financial institution. I sent them proof that my payment was drafted from my bank and never returned. I also informed Amerihome that I have an online bank only and can not get a cashier 's check. 
People I spoke with : Employee ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: MI

Complaint narrative:
On XX/XX/2020 I sent 2 dispute letters each to XXXX, XXXX, & TransUnion. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
XXXX is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus

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 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
Date : XX/XX/2020 I just registered for an account with Binance.US. I successfully completed all 3 levels of verification which involved submitting my social security number, picture of the front and back of my driver 's license, most recent bank statement with current address, a selfie, and verified verified my phone number. After submitting all of this information, I tried to fund my Binance.US account via an ACH transfer from my checking account in the amount of {$1000.00}. After initiating the transaction, I received a message from Binance.US saying the funds should appear in my account within two minutes. I waited a couple hours and there was no money in my account. I reached out to customer support and got a generic reply that was not helpful at all. It has now been seven hours and there is still no money in my account. I have provided sensitive personally identifiable and financial information to this company with the expectation of being able to purchase cryptocurrencies on their exchange, and their service is useless to me if I am unable to fund my account. So now I am in a situation where this company has all of my personal information and they are not providing services to me. I have a friend who is also having similar issues with Binance.US so I know this is not an isolated issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received all chargebacks requested but lingering dangling interest charges remains to be resolved. 
Interest charges as follows : XX/XX/XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, {$4.00} In credits given : XX/XX/XXXX : ( {$40.00} and {$1.00} ) ; XX/XX/XXXX, ( {$0.00} ), XX/XX/XXXX, ( {$.00} ) By my calculations Capital One owes credit of XXXX + XXXX - {$0.00} - {$0.00} = {$8.00} ( CREDIT DUE )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this report today XX/XX/XXXX because I found five accounts and a few inquiries on my credit report that do not belong to me. My personal information was stolen on XX/XX/XXXX including my ID and Social Security Card, I have an open investigation for that incident. I never opened these accounts or made these inquires and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services, or any other benefits. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts. I need these accounts blocked as they are results of identity theft and do not belong to me. All my statements in this narrative are true and correct without any omission of facts.

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 2020-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive submitted disputes before and the company has not responded to me. These accounts are fraud and were not opened up by me. I did not obtain a loan through to go to 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 2020-12-05 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: NC

Complaint narrative:
Ive submitted disputes before and the company has not responded to me. These accounts are fraud and were not opened up by me. I did not obtain a loan through to go to school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: NC

Complaint narrative:
Ive submitted disputes before and the company has not responded to me. These accounts are fraud and were not opened up by me. I did not obtain a loan through to go to 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 2020-12-04 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: MI

Complaint narrative:
On XX/XX/2020 I sent 2 dispute letters each to XXXX, Equifax, & XXXX. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
XXXX  is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2020 I sent 2 dispute letters each to Experian, XXXX, & XXXX. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
Experian is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus

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 2020-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
on XX/XX/20, complainant transferred {$300.00} from a XXXX checking account ( XXXX ) with the transaction completed on that day around XXXX. Transfer has not yet been completed with delivery to Citi savings being around XX/XX/20. 
Citi business customer service has not been able to find the pending transaction. 

Their second level supervisor indicate that the fault is with XXXX as the transaction has originated from them. 

I do not know where my money is nor is the bank providing any service.

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 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I used my Citi Double Cash card to purchase some HVAC work in my home. The charge was {$860.00}. This was a valid charge ; however, as time moved on, and I went to pay my account for the month, I did not recognize this charge. When I XXXX  the phone number on the charge and the company name that showed up, I could not find anything, so I thought that this charge was false and needed to be disputed. When I disputed the charge, Citi credited me the item on the account while they investigated. Two days after this, the company that completed the HVAC work called me to ask why the charge was being reversed. This was when I realized the charge was legitimate, and I had made a mistake. I told him to give me a week or so, and I would attempt to contact Citi to get the charge placed back through. After literally hours of attempting to get the right person on the phone at Citi, I finally got someone who told me that would be taken care of and the charge would go through. However, several days later, working with the HVAC company, they told me they still never got the {$860.00} from Citi and that I needed to pay again. Therefore, I used another credit card ( XXXX attached below ) to complete the transaction. This would all have been fine until I saw that Citi charged me {$860.00} two times on my statement on XX/XX/30 and only one credit ( see Citi Double Cash below ). I called Citi Friday, XX/XX/XXXX, in an attempt to rectify the situation. I was transferred between 3 representatives and on hold half that time, and once I got to the third, I was hung up on. At the very least, I should be allowed to dispute the {$860.00} charge that was not refunded. But, the Citi app and online access will not allow me to, it directs me to call Citi which I did. I can't afford to spend more time with Citi attempting to resolve this so I expect this to be rectified by Citi through the CFPB to avoid a small claims/legal route. 

This is the second time I'm submitting this complaint, this is a blatant violation of the card act. They are not allowing me to dispute a charge, how is this legal?

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 2020-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
We were denied a Modification Acceptance from Rushmore Loan Management even though the XXXX XXXX Guidelines say the Servicer must follow all waterfall actions in any XXXX auctions bought by investors. 

The Denial Letter should follow The guidelines for principal reduction are that your LTV has to be less than 115 %. 

Also There are no requirements for a deposit. And we are being denied in the letter for not offering a good faith deposit. 

Finally The Servicer Rushmore has violated RESPA by not providing us with the NPV inputs. 

This is a total & complete failure to comply with the XXXX XXXX bidder requirements and of the Servicer Rushmore Loan Management as well as all of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Bankruptcy in 2014. Reaffirmed both the mortgage and the equity loans. Paid off the mortgage. Made regular payments. Pay regular payments on equity, plus extra principal amounts on regular basis. 
My credit reports do not even acknowledge that the equity account is being paid. They all show an ending date with no further activity and the balance is still showing {$17000.00} owed. 
I called Wells Fargo Home Equity 's main office and talked to the head loan officers twice about correcting this information. They both said the amount owed and payment history can not be corrected because it was in the bankruptcy-. Even tho I am making the payments on time. They said Wells Fargo 's " system '' requires them to show the loan this way and it can't be changed. I told them that this isn't fair to me and that their " system '' sucked and it is affecting my credit score. They both agreed but said Wells Fargo " system '' for reporting bankruptcy information can't be changed. 

This is the stupidest thing I have ever heard of. Can you do anything to make them correct their " system ''? I wonder how many other if their customers have run into this. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Online transfer for {$300.00} from spend XXXX PNC to XXXX on XX/XX/20 has not reached the receiving bank for more than 25 days. 
PNC says the transfer has been completed on XX/XX/20 XXXX says they do not have any proof from PNC of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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