vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Citibank account under promotional terms : deposit {$15000.00} in new to Citibank funds and hold for 60 days to earn {$400.00}, which would be deposited within 90 days after meeting the aforesaid requirements. Now Citibank is refusing to pay after I've met the requirements. I never would have opened an account with this bank if not for the promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/XXXX I deposited {$290.00} cash at the Huntington Bank on XXXX XXXX XXXX Ohio. After awhile it told me to contact my financial institution, kept my cash without it being deposited into my account. XX/XX/XXXX I go into the branch and they tell me I have to wait until XXXX comes in to service the atm and that someone would call me. Saturday XX/XX/XXXX I go back into the branch, to find out XXXX had serviced the atm but I still dont have my money. I had to file a dispute. Thursday XX/XX/XXXX I go back into the branch and was told I would have my money at the end of the business day. Nothing. Called the next morning and then was told I would receive it at the end of the business day yesterday. Again no money. I need my {$290.00}. Im tired of the lies after lies and poor customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20 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'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME GETTING THESE FRAUDULENT ACCOUNTS REMOVED FROM 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 2021-03-20 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'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME GETTING THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free XXXX  Annual Credit Report online. '' -- XXXX " A condition exists that prevents XXXX  from being able to accept your request at this time. '' -- XXXX  " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX  XXXX a credit card company reported an account on my credit report as a charge off. I disputed this account with all 3 credit bureaus. The account deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Resurgent Capital Services and LVNV Funding LLC and now XXXX and XXXX XXXX ( A law firm ) all requested payment for this account. I sent a debt validation letter to all these debt collectors and asked for other documents to prove they own this account or documents showing I even signed for this account. No documents was provided, just stating in a letter " they have verify the account ''. Now LVNV Funding LLC has reported that same account as a collection to all three credit bureaus. Again, they have not validated this debt to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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'VE BEEN FIGHTING TO GET THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT FOR SEVERAL MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, Wells Fargo charged my {$35.00} x 3 because of transactions that I was not well informed on and I tried to stop them and ask questions but they didn't provide much direction on what I was supposed to do so I ended up searching for other ways. 

They should have guided me in the right direction but fell short and it totals up to {$100.00}. Which is a ton of money right now that was all the money I had. Then I called and they were being rude towards me and giving me the cold shoulder. I've been a customer for 5 years plus and they said their system wouldn't be able to generate any of the money back into my account. Really??! You can give me anything back of the {$100.00} that they took from me during a pandemic and financial struggles. I wasn't fortunate enough to get a stimulus check either so I was already down on my luck. 

I'm requesting a reimbursement for my {$100.00} and proper guidance on how this can be stopped from ever happening again. Also I want my money with the contingency that I'll still have an account open with Wells Fargo after. Thank you. 

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 monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XX/XX/XXXX through XX/XX/XXXX I requested NewRez LLC d/b/a Shellpoint Mortgage Servicing closed the fraud account and remove their negative information from my credit report. In XXXX and XXXX I filed complaint with CFPB about the fraud account, NewRez LLC d/b/a Shellpoint Mortgage Servicing send me Note and Mortgage for the fraud account. I mail the identity theft affidavit, my id they did not closed account. 

On XX/XX/XXXX I requested all records relating to the fraudulent ( Loan Number XXXX f/k/a XXXX, original account # XXXX with FHA Case # XXXX for Original Owner : XXXX XXXX  XXXX XXXX for {$160000.00} for property XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX NY XXXX ), including : Application records, Uniform Residential Loan Application with HUD/VA Addendum, Settlement Statement, HUD1 and Addendum to HUD-1 Settlement statement, Escrow Account Acknowledgment, Loan Agreement, FHA Case Details, Direct Endorsement Approval a HUD/FHA- Insured Mortgage, Insurance Application for FHA Case, Loan Funding Request Form , Mortgagors Letter of Completion , Post Endorsement Technical , Review Underwriting Report, Final Release Notice, Accounting for funds, Loan information type of loan, property address, Final Release Notice, Payment ledgers, CHUMS/Closeout Screen, XXXX XXXX XXXXXXXX XXXX Mortgagors Letter of Completion , and/or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account XXXX Any other documents associated with the account Please send these records to me at the above address. Shellpoint sent me a letter dated XX/XX/XXXX Due to complex nature of the matter they request more time. As of today I did not received what I requested and the fraud account is still open and they continue to report to the credit companies I'm in default for the fraud account.

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 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CO

Complaint narrative:
Purchased XXXX in ether crypto currency from XXXX on XXXX. 

Then purchased XXXX in balancer on XX/XX/XXXX. Account still not verified and I now sold ether on XX/XX/XXXX. Unable to withdraw funds in any form. 

Ive sent multiple emails to have this verified and ensure my account was verified. No response. Only bots respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I do Not live in Virginia but Equifax lists this as a Current Address. I have submitted a Current utility bill but Equifax Failed to Fix this. I can not afford to live in 2 places nor would I ever. Equifax has it listed that TN is a Former address.. My one credit card has submitted Correct ( TN ) address to the credit bureaus but Equifax does Not care. 
Do not respond to this with your generic garbage. I am uploading PII data and the utility bill and Virginia Must be deleted. 
I tried to do this dispute on the portal but Equifax states I can not due to the claim being open. That is Not true. The two that I submitted are marked as completed - XX/XX/XXXX submissions. 
Equifax is Terrible to work with and when I purchase a house Equifax will have to FIX this Issue ( bc that is what was demanded of them in XXXX when they Failed to list addresses Accurately - I have documentation )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: FL

Complaint narrative:
After numerous workarounds I was able to retrieve my credit score currently XXXX and even after a number of debts paid. I find this alarming! My score in my opinion should have increased significantly considering unanswered disputes, disputes refuses by credit reporting agency and payments made. XXXX  balances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XX/XX/2021 I contacted Comenity Bank and proposed a settlement of XXXX to pay off my account. The woman I spoke with refused that amount and stated XXXX would be acceptable but only if I paid immediately.I requested an email stating the terms and outlining that the account would be settled in full. The Comenity Bank representative became angry and combative. She refused to either confirm a settlement in writing or transfer me to a supervisor. She yelled at me told me Comenity was a Bank and that she would mark our conversation as my refusal to pay. She then hung up on me. Yesterday I found out that Comenity bank called my adult XXXX year old daughter at her home and discussed my debt.My daughter is neither a cosignor or guardian of my finances and has never been used as a reference. We are estranged and have not lived together in over 30 years. This contact of my daughter is the issue. Is this negotiations by intimidation and harassment? The bank representative told my daughter they had 2 more people to contact. This is a threat that could result in my loss of employment and certian embarrassment because I have no other relatives so this would be reaching to strangers unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: IL

Complaint narrative:
I recently received an unemployment debit card, in XX/XX/2021, but I am not unemployed, I called the number on the card to investigate why I would receive such a debit card. The representative indicated that it was fraud, cancelled the card and referred me to CFPB. Hence, I am reporting this fraudulent event to you. The amount is unknown since the card was cancelled before being activated. I encourage everyone to be very cautious of potential identity theft scams, more so during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free Equifax Annual Credit Report online. '' -- Equifax " A condition exists that prevents XXXX  from being able to accept your request at this time. '' -- XXXX  " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After filling in the basic information requested on the XXXX website for my free annual credit reports, the site stepped me through each of the credit reporting agencies ' pages. All three shutdown the process without providing me with my credit report. None asked for additional information. None gave me the opportunity to resolve issues online, nor did any provide any substantive explanation of what their issues are. 
" We are not able to deliver your free XXXX  Annual Credit Report online. '' -- XXXX  " A condition exists that prevents Experian from being able to accept your request at this time. '' -- Experian " We can not proceed with your request at this time. Explanation : Unfortunately, we are unable to process your request based on the information provided. '' -- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JP Morgan and myself came to an agreement and have a payment plan in place, lates are invalid during pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SANDY SPRING BANCORP, INC.
State: VA

Complaint narrative:
I recently acquired a construction loan from Sandy Spring Bank. I have had two issues with them. 

1. My closing date was XX/XX/XXXX and they didn't provide my closing disclosure until XX/XX/XXXX. The CFPB requires lenders to give borrowers three business days to thoroughly review the Closing Disclosure. I was given less than one business day.

2. For my payment due XX/XX/XXXX, Sandy Spring Bank has inexplicably raised my monthly payment. My closing disclosure clearly states my monthly payment for the first year of my loan ; they are reporting that I owe {$700.00} more than what's stated on my closing disclosure. When I reached out to Sandy Spring, I was told that it was due to funding draw on the construction loan, but they offered no further explanation or calculation. 

I am uploading an email fromXX/XX/XXXX when they sent my CD, a copy of my signed CD dated XX/XX/XXXX, and a PDF from the Sandy Spring website showing my XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: TN

Complaint narrative:
I filed bankruptcy in XXXX  - ChapteXXXX XXXX  - bankruptcy discharged in XX/XX/XXXX. Why is this remaining on all 3 credit reports when we are now at 8 years since discharge?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
I have been using crypto.com for about a year now. I have a debit card through them and have used and spent thousands of dollars through them. 
When I go on the app my wallet balance is there but all of my coins are gone. There is nothing past when I bought coins in my transaction history. I can not sell or buy anything. I can't even access my own money. I basically can't do anything besides see charts on the app now. 
I have been contacting customer support on the app for weeks now. I never get a response once I tell my issue. I haven't gotten one response from 3 closed conversations. And it did not address the issue at hand. Just basically said thank you for contacting us. 
This issue is causing me allot of emotional distress. I can not access anything and seems if they have robbed or scammed me for my money. I believed whole heartedly they were the most legitimate crypto app out there.

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