vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DISPUTE HAS BEEN LONGER THAN 30 DAYS AND THESE ACCOUNTS ARE STILL REPORTING.

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 2021-04-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts and inquiries listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account # : XXXX XXXX XXXX account # : XXXX XXXX. XXXX account # : XXXX XXXX. XXXX XXXXXXXX XXXX- account # : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX-account # XXXX XXXX. XXXX XXXX XXXX- account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DISPUTE HAS BEEN LONGER THAN 30 DAYS AND THESE ACCOUNTS ARE STILL REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: MS

Complaint narrative:
MY IDENTITY WAS USED TO OPEN ACCOUNTS THAT I NEVER SIGN FOR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: MS

Complaint narrative:
MY IDENTITY WAS USED TO OPEN ACCOUNTS THAT I NEVER SIGN FOR

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 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
I am in forbearance plan for a bout a year now. 2 months ago I asked my mortgage company to do loan Modification for me and they denied my application. I want to resume payment but I cant afford the current monthly mortgage and loan Modification will be the best option for me. 

XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Mortgage company : caliber home loan Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: American Mortgage Service Company
State: IN

Complaint narrative:
I XXXX XXXX XXXX, entered into a consumer credit transaction with AMERICAN MORTGAGE SERVICE CO. XXXX of 2018. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1692 ( e ) because they falsely represent the status of a debt. Also the finance charge is the sum of ALL CHARGES, therefore the alleged debt is null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Byrider Franchising, LLC
State: MI

Complaint narrative:
I signed a contract with a car agency on XX/XX/XXXX and it started on XX/XX/XXXX, and it was supposed to end on XX/XX/XXXX. The company thats is financing my vehicle never sent me a letter in the mail stating that I had 30 days to dispute the debt that they say I owe and it wasnt listed anywhere in the contract that I signed with them. I sent them insured mail with a green return receipt, I sent them a letter on XX/XX/XXXX stating that I want to dispute the debt. In response, they sent me a copy of my contract on XX/XX/XXXX. Then I sent them two letters of insured male on XX/XX/XXXX. One letter was a letter of Cease and Desist, they later contacted my co buyer saying that I breached the contract and that they would repossess my vehicle by XX/XX/XXXX. if I dont pay the debt. The second letter was an invoice stating : According to XXXX XXXX XXXX Civil Liability, this agency has an obligation to pay me for failing to comply with any section of the Fair Debt Collection Practices Act. 

According to congress, the Finance Charge is considered the sum of all charges. 15 USC 1692h Multiple Debts was violated when I was charged for more than just the Finance Charge. The Finance Charge was {$4900.00} cents, but I was also charged for a total sale price of {$16000.00} cents. This is a fine for {$1000.00}. 

15 USC 1692g Validation of Debts was violated when I sent there agency a letter on XX/XX/XXXX stating that I wanted to dispute the debt and they responded by sending me a copy of my contract instead on XX/XX/XXXX. This is a fine for {$1000.00}. And that is when they contacted my co buyer saying that I breached the contract and that theyd repossess my vehicle by XX/XX/XXXX. Is there anyways that you guys could assist me on this predicament?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: MN

Complaint narrative:
Since mid-XXXX 2020, I have been unable to withdraw any cryptocurrency or fiat currency from BinanceUS. When I try, I get an email saying " withdrawals suspended due to risk management. '' I can still deposit into BinanceUS as normal. I tried their tips in the FAQ, and none of them worked. I emailed their support on XX/XX/2020 telling them to look at this, as until then I had not needed to withdraw. I got no response. I then sent a support ticket on XX/XX/2020, to which I got no response. I emailed them again on XX/XX/XXXX as well. Finally, I tried one more support ticket on XX/XX/2020. I have over {$29000.00} locked in BinanceUS as of the time of this writing, and I have yet to receive any response from their support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: DE

Complaint narrative:
Im getting emails from TrueAccord for credit that was paid to another collection agency over 3yrs ago via garnishments. I even have a copy of the writ of garnishment to prove it. The dates of the emails that I can see are : XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. I guess they think I didnt retain any records or would blindly accept their fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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:
Account Child Support ENF AG/N XXXX is not correct. I would like proof of the information showing or the account removed from my 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 2021-04-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Please remove all fraudulent accounts as I have no know of any of these accounts due to the XXXX  data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.

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 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KEYCORP
State: NY

Complaint narrative:
Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My problem is they keep reporting me as living at a former address and now list my current address as the formal. So when ever I apply for credit or anything that tries to verify my address it comes up as a problem. My current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX ... They have my previous as current on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I ordered Matts for my car. When received they were wrong ones. I contacted the merchant ( XXXXXXXX XXXX ) they agreed to send me a new set. But nothing was sent from them. Called them emails them and they started to ignore my requests. I went to my CC and disputed the charges. I also sent pix of the product and emails to and from seller. 
Chase Sapphire CC entered my dispute as never received products which is not what I have complaint. They decided to close my dispute and told me its too late now for them to go back to seller. Not fair. 

When I call chase sapphire CC it always goes to a different country and I am sorry but I cant really understand those customer reps. Which makes sense why my dispute was entered wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I made 2 final payments, one was XXXX and one was XXXX. Website states in loan description I would have my money 10-14 days, they changed the quoted time frame with no notice to 14-20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal limit my access temporarily account for no reason and will not help me with getting it back up and going. I have provided them my identification as well. They are asking me to provide credit card statement even though I havent linked any credit card on my account. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I got my statement and immediately reported it to the bank they gave me copies of three checks which had been forged. They were in the amounts of {$8900.00} XX/XX/XXXX check # XXXX $ XXXX check # XXXX $ XXXX check # XXXX A total of {$19000.00} I then filed a police report on the same day. 

I had my checkbook in a locked room. Family members who I thought were trustworthy, got into the room and stole checks out of the back of my checkbook and wrote them for almost {$20000.00}. Chase bank will not reimburse the money because they said I had a lack of care because it was not in a safe place ( I was told on the phone a lockbox ). I believe that it being in my own home in a locked room is a reasonably secure location. In addition Chase never notified me when out of out of sequence checks were cashed on my account. The last check legally written was check # XXXX. The bank also didn't notify me when 3 large amounts were taken out of the account when there had been no withdrawals in well over a year. The last check written was written by my late husband on XX/XX/XXXX so these are definitely not my spending habits. Also, the culprits forged my signature, but the pay to the order section is in completely different writing. There were plenty of red flags and Chase did not catch any of them. It seems to me like Chase Bank is the one who did not have care In this situation and should be required to take the responsibility for their lack of care. That is why I put my money in their bank, so that they would protect it. Therefore I believe that they should reimburse my money. Otherwise under what circumstance would the bank ever have to reimburse peoples money if they can just put the blame on the victim and completely overlook or ignore all of their own mistakes? 
I was already a victim of financial elderly abuse by the culprits, and now I feel like I am again a victim of the bank. 
I have called the claims department several times and they still say it was my lack of care. I asked to file an appeal and they said it would be the same result. This was more than a full year of social security that was stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 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: FC HoldCo LLC
State: CA

Complaint narrative:
I contacted XXXX over the phone after I discovered fraudulent credit inquiries on my credit report. The XXXX representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the XXXX representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my XXXX credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are 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 2021-04-05 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: CA

Complaint narrative:
I contacted Equifax over the phone after I discovered fraudulent credit inquiries on my credit report. The Equifax representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the Equifax representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my Equifax credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
My complaint is about the US trading platform XXXX XXXX and thus also about XXXX. For about a month I no longer have access to my funds on XXXX XXXX. I have already made several attempts to contact support. In the meantime over 25 times. So far I have not received a solution to the problem and my balance is frozen. My only goal is to withdraw my own money from XXXX XXXX again, but I am being denied for no reason at all. In total ( / BTC / ETH ) it is over XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 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: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
when i saw my credit report, I saw that there are accounts that i never applied for nor had communication with

Company response to consumer: Closed with explanation