vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
This IS Cellular account was an ex boyfriend whom owned the account. I was not account holder. I have always used prepaid services. This account is from 2012. And just popped onto my credit. It was removed once a couple years ago and came back now. I do not feel I owe this money as it was not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25 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: FL

Complaint narrative:
OPEN XX/XX/2020 {$900.00} COMPANY : XXXX XXXX I CALLED NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: FL

Complaint narrative:
OPEN XXXX 2020 {$900.00} COMPANY : XXXX XXXX I CALLED NO RESPONSE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: OR

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and XXXX XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: FL

Complaint narrative:
OPEN XXXX 2020 {$900.00} COMPANY : XXXX XXXX XXXX I CALLED NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: FL

Complaint narrative:
OPEN XXXX 2020 {$900.00} COMPANY : XXXX XXXX XXXX I CALLED NO RESPONSE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I need some of the amount from payments where I was paying extra to be applied to the principle balance instead of toward interest on the loan. Ive been calling on the matter since XXXX and Ive even sent a spread sheet over TWICE to show the corrections that need to be made. Some of the corrections are being made but not all of them and Ive given them months to complete this task and they are ignoring me and telling me something different about the situation every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
Hello, BinanceXXXX is a cryptocurrency exchange. I have attached a file with all of the information I could find on this company, including address, parent company name/info, etc. 

I have deposited {$1000.00} over several separate transactions and used the money to buy multiple cryptocurrencies. As of this email, I have over {$1800.00} based on the current trading prices. 
About a week ago, binanceXXXX locked my account with no real explanation. Any trade, deposit, or withdrawal transaction that I try generated an error that my trading is suspended ( screenshot attached ). I received an email with instructions to upload a video, a copy of my ID, and a bank statement in order to unlock the account. All of which I have done and since then any of my emails to the company are not returned. They have no phone number listed, no direct email to customer service, no way of talking to a real person. Everything is done through 3rd party customer service website by opening a service ticket. My ticket number with them is XXXX. 

At this point, I just want to be able to withdraw my money and close my account. If there is anything you can do to help me deal with this company and let me access my money, would be greatly appreciated. 

Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I opened a Amex Delta Gold credit card from link in XXXX website on XX/XX/XXXX, which showed some good welcome offers. After apply the card, I asked the Amex representative online on XX/XX/XXXX and XX/XX/XXXX, and they confirmed I have those offers as showed in AD. While now I finish one of the task to purchase XXXX ticket using that credit card, Amex didn't give me {$200.00} credit as they promised. I complained to Amex online, they told me in the application proceed, they showed me a message that I cannt get those offers, I agree that I saw that message, but I didn't understand it totally and just think it is not important so click next to continue the application. After application, I asked twice online to confirm the welcome offers, their representative told me Yes I have ( Attached chat screenshot ), now they declined me just because they noticed me before while I didn't understand it. I think the last decision from their representative should be the final decision. Their manager told me someone will help solve this problem in 48h, while no one contact me after 72h. I have no choice, so submit complaint here to get some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr cooper/ Nationstar took 7 ACH payments out of my account causing - {$12000.00} overdraft. Didn't have any pending payments scheduled and did not authorize these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am contacting you regarding the Payment History portion of my Equifax credit report. There seem to be some inaccuracies as it relates to what is being factored into my 'Payment History ' which makes up 35 % of my credit score. I noticed that my 'Payment History ' on all eligible open accounts and/or installment accounts are not being factored into this component on my credit report My payment history SHOULD INCLUDE the following eligible open accounts and/or installment accounts : XXXX XXXX XXXX XXXX | Student Loan | Open Account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Open Account -XXXX XXXX XXXXk XXXX XXXX XXXX | Open Account -United States Department of Education | Student Loan | Open Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: TX

Complaint narrative:
As detailed in my prior CFPB complaint against Experian ( XXXX XXXX my personal credit file has been corrupted by fraudulent information that has caused innumerable financial problems to my detriment because of false names and identities intentionally included in my credit history by Experian. 

Experian 's response to my complaint of intentional fraud clearly exemplifies the premise of my complaint : Experian 's operating business model has a long established pattern and practice of intentionally including false and fraudulent information in personal credit files in order to promote their " credit repair '' scam. 

Experian will harass and relentlessly pressure every consumer who is forced to '' visit '' their website into paying monthly " fees '' for all eternity to " repair '' your credit file by removing the very same false and fraudulent data Experian put into it. This is the epitome of " conflict of interest. '' The title of Experian 's response ( Report Number : XXXX ) is classic : a request to remove fraudulent information is responded by including ADDITIONAL fraudulent information : ( XXXX XXXX XXXX XXXX XXXX Report number XXXX | XX/XX/2021 XXXX Print report XXXX XXXX Multiple fraudulent representations of my name attached to my home address has resulted in multiple fraudulent claims against me, for debts I do not owe, because of ongoing fraudulent representations made by Experian in my personal credit file records. 

IN ORDER TO PROMOTE EXPERIAN 'S " CREDIT REPAIR '' SCAM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am contacting you regarding the Payment History portion of my Experian credit report. There seem to be some inaccuracies as it relates to what is being factored into my 'Payment History ' which makes up 35 % of my credit score. I noticed that my 'Payment History ' on all eligible open accounts and/or installment accounts are not being factored into this component on my credit report My payment history SHOULD INCLUDE the following eligible open accounts and/or installment accounts : XXXX XXXX XXXX XXXX | XXXX XXXX | Open Account -First Investors Financial XXXX XXXX XXXX XXXX | Open Account -XXXX XXXX XXXX XXXX XXXX XXXX | Open Account -United States Department of Education XXXX XXXX XXXX XXXX XXXX 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 2021-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In 2020, I made double payments to my capital one credit card. Unfortunately, the auto-payment was returned to me and I made an additional payment using my other account. The payment history shows as a 30 day late payment on my account. 

I've reached out to the company to investigate this and they say they are reporting factual information but I look at my statements and one of the payments was truly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Winklevoss Exchange LLC

Complaint narrative:
Hello, I've opened a Gemini account and tried to verify it on XXXX, the XXXX, but up to today, it is still not verified. I've tried several times contacting Gemini but in vain. 
Can you please help me with the issue encountered? 

Account 's information : Name : XXXX XXXX Email : XXXX Birth date : XX/XX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX XXXX Thank you so much! 
Best regrads,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX my card was charged XXXX at XXXX XXXX of XXXX SC. So I contacted them and was told that my money should be released in a couple days depending on my bank. On XX/XX/XXXX I made a dispute to cash app about the charge. They sent me an email stating that it was just a pre authorization and it will be released in 14 days unless I provide information that could speed up the process. On XX/XX/XXXX I contact XXXX XXXX asking for that information. The manager emailed me a bill statement for the charge in question with a zero balance. I emailed the information to cash app and they are still holding my money, and told me it would be an additional six days. Instead of the money being released in 14 days XXXX XX/XX/XXXX XXXX they're telling me that I have to wait until XXXX XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In XXXX of XXXX I was on a modification and I unsuccessfully was able to pay online I called and never received a phone call because all companies at that time were shutting down and scrambling to put people in place to work from home, so I was cheated out of my first modification and had to reapply. I reapplied and was approved for a new modification that was substantially higher and supposed to start in XXXX but because I was unable to secure my unemployment benefits I was given a 90 day extension which made my start date XX/XX/XXXX. I was told it would be the three payments they same as any other XXXX, XXXX, and XXXX so I started making payments, they call would call me twice a month and at no time was I told that I would be required to make two payments in XXXX Until I called in on XX/XX/XXXX to make my last modification payment and was told that I had to mail the last payment in and that I was to wait until I received the final modification papers, which was odd because I always pay over the phone. I was told I couldn't pay online until the modification was complete but that they wouldn't except it over the phone, then I was told that they sent me a letter in XXXX of XXXX. Someone shows up last wk said the lender sent them because it was reported the house was unoccupied, how ironic. Friday the XXXX I received a phone call from a representative who informed me that they had cancelled the modification for none payment and that I would have to reapplying and that they had no other information for me. Saturday XX/XX/XXXX I received a statement saying that they were requiring a payment in the amount of XXXX towards my loan. This is the second time they have done this to me, I have suffered the loss of a job, I have been sick with the virus and Im still struggling financially but I have managed to make the payments, PHH which is formally Ocwen has really been unprofessional and unresponsive when needing assistance, Im asking for assistance in this matter because this seems to be the way they cheat people out of there somewhat reasonable payments, then they take forever to respond and when they do you owe all this money because you haven't paid waiting on a response from them. Times are hard and people are struggling and im one of those people. If they take my house I will have no place to go, I know that Mortgage companies along with other business have received grants and other forms of monetary assistance in a effort to help people stay in there homes. I also know that all calls are supposed to be recorded for quality assurance and Im asking just that to pull the recordings as proof that know one mentioned anything about double payments. Your assistance would be greatly appreciated, I have been in this house for over 20 years and would hate to loose it because of miscommunication and unprofessionalism. Also the late fees and price gouging is terrible. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX I purchased a XXXX XXXX XXXX tractor from XXXX XXXX XXXX XXXX XXXX XXXX Ga. It was financed by Wells Fargo Financials leasing, XXXX, IA. At the time of purchase, I was provided with a copy of the Installment Sale Contract and Security agreement. I signed a copy and was told by the dealer that I would receive a copy signed by Wells Fargo Financial after the loan was processed. 

XXXX XXXX - XXXX of XXXX, I made payments with an additional XXXX towards principal and 2 payments of {$1500.00} when I sold my old tractor. In XXXX of XXXX, I did not receive a monthly statement. Nor did they come in XXXX or XXXX. I tried calling Wells Fargo, left messages, and finally wrote a letter requesting signed copies of the contract and to be invoiced along with an audit of the account for payments made. I tried to contact them, found that I was locked out of the online website, and wrote them again. Wells Fargo failed to contact me nor respond. 

XX/XX/XXXX - I received an invoice for a partial required payment. I made the payment and requested again a signed copy of the contract, statement of terms, and payment audit. Again no response. Now each month I send the same request, with the standard monthly payment - No response from Wells Fargo Leasing to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Grain Technology, Inc.
State: MD

Complaint narrative:
My account balances from Grain Technology Inc have not been updated on XXXX since XX/XX/2021. The balance is reporting a high utilization that is harming my credit score. My balance on my grain technology has been paid down for the last two months and has not been updated. I have contacted this company for months and have yet to get a response. This makes is very difficult to get a remedy with the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I purchased my home with XXXX XXXX Mortgage in XX/XX/XXXX. After living in my home for 1-1/2 year, I received a call from Quicken Loans offering me their service with regards to refinancing at a lower rate. I agreed and the closing took place in XX/XX/XXXX. My mortgage payment went from {$1100.00} toXXXX and I was very pleased. Nevertheless, in XX/XX/XXXX I receive a letter from the XXXX XXXX Tax office requesting payment for my XXXX taxes, all this time I thought Quicken Loan/Rocket Mortgage had handled the monetary part of the contract. My understanding was that the mortgage payment covered the principal, homeowner insurance, taxes and the escrow account, etc. Quicken Loans/Rocket Mortgage paid {$260000.00} ( incurred late fees ), original amount was {$2500.00} had it been paid on XX/XX/XXXX. 

After my above explanation, here comes the disturbing ( scary ) part : I received a Annual Escrow Account Disclosure Statement dated XX/XX/XXXX, with an increase to my mortgage of {$480.00} beginning XX/XX/XXXX. Supposedly I did not have enough money in my escrow account. Why now? I have always had funds in my escrow with XXXX XXXX Loans. I have had four other homes and never did I encounter any problems with my escrow accounts. I called Quicken Loans/Rocket Mortgage about their letter and the woman I spoke to could not explain what happened, but did ask if she could transfer me to the loan dept. to request a $ XXXX loan to have it deposited into my escrow account. I declined and told her I did not need another bill and asked that she have someone call me, no one ever called. Now from XX/XX/XXXX to XX/XX/XXXX my mortgage will be {$1500.00}, afterwards it will be {$1200.00}. This is outrageous, I do not have this money and never in my right mind could I have imagined this happening to me. I am speechless and confused ; I find it to be totally incomprehensible and unfair. Please, I need your help!!!

Company response to consumer: Closed with explanation