vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In early XX/XX/XXXX, I submitted refinancing loan applications for two properties ( Cottage 1 and Cottage 2 ) with Citizens Bank, which holds the existing mortgages on both properties. I paid for {$480.00} each for appraisals on both properties. The applications were taken by Mr. XXXX XXXX, a Citizens Bank representative. After submitting all the necessary documents needed for the application process on both loans, I waited to hear from Citizens. I received occasional emails from Citizens asking for more documents, which were provided in a timely manner. I also exchanged emails with Mr. XXXX on several occcasions regarding the status of the loans. I have 2 other properties ( not the ones being refinanced ) which were in forebearance, and mentioned this to Mr. XXXX. I was advised by Mr. XXXX that it did not matter that it would be ok so long as the loans in forebearance were not the ones being refinanced. After several months of not hearing from Citizens, I contacted a Ms. XXXX XXXX, in Rhode Island, a Citizens loan officer, who advised me, by email, that the underwriters had approved the loan and that they were working on getting an approval letter sent to me. Sometime in XXXX, I received an email denying my loan on Cottage 1. The denial letter was not very specific, so I called Citizens and spoke with a Mr. XXXX XXXX XXXX ( XXXX ). He advised that the loan was denied principally because two of my other home mortages were in forebearance, and stated I had to get out of forebearance and have three months mortgage payments made on said other properties since then to qualify for the refinance. I advised MrXXXX XXXX that the loans had been removed from forebearance since XXXX, and that payments had been made for two straight months. He advised to pay off the third month ( XX/XX/XXXX ), and then I could reapply. He said he would discuss the matter with Mr. XXXX to see what could be done. I informed Mr. XXXX that had Citizens informed me before the denial of this contingency, I could easily have cured the defect and we could have avoided a denial. Since then and to date, I have heard nothing more from either Mr. XXXX or MrXXXX XXXX as to the refinancing application for Cottage 1. As to the refinancing application for the Cottage 2 property, I have heard nothing at all for about 3-4 months. I have not received a letter of denial, nor whether it is still being processed. Yet, I paid for an appraisal fee but have received nothing but silence from Citizens regarding Cottage 2 application, nor what has happened to my desire to continue with the refinancing application for Cottage 1. I have complied with all that Citizens has asked of me and yet I receive no feedback or information from Citizens on both loan applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: DC

Complaint narrative:
BBVA USA has closed my bank and I do not have any online access to my account and do not know how much funds are in the bank. I have called them many times and gotten no one on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 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 2021-05-10 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 XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This account was paid in full to Westlake Financial SVC before the account was sent to collection. The account is reporting inaccurate beyond the Statue of Limitation. I have sent several letters to the Credit Bureaus and to the Creditor since XXXX 2020. Could you please assist in having this inaccurate information removed.

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 2021-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

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 2021-05-10 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: CITIBANK, N.A.
State: IN

Complaint narrative:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

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 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
One main financial support on telling me false advertising. It is on my credit report. XXXX XXXX never wanted and XXXX on my credit report. I called told them I didn't want that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX. 
Simple bank transition to BBVA. Since the transition on XX/XX/XXXX, I no longer has access to my checking account or savings account. When logging into my account, it says " error occurred '' and " Mobile/Online banking service is locked ''. 
I called XX/XX/XXXX and was on hold for 1 hour, only for the system to hang up on me. I called multiple times, all with the phone hanging up on me. 
I called again XX/XX/XXXX, only for their phone lines to be shut down. 
I called several times XX/XX/XXXX, was on hold for 2 hours total, only to still not be able to reach anyone. 
I am locked out of my accounts and have no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from BINANCE.US that I had an outstanding balance of {$3000.00} USD and if I didnt make the payment to correct this then my account would be liquidated of my cryptocurrency. 

I contacted them via several emails to inform them that I had documentation that the payments went through including transaction pictures from my bank account and confirmation from their sites indicating that the payments were received. 

I highlighted that payments were made from my bank credit card and wire on the following dates : 1 ) XX/XX/XXXX - {$1000.00} ( {$950.00} deposited ) 2 ) XX/XX/XXXX - {$1000.00} ( {$950.00} deposited ) 3 ) XX/XX/XXXX - {$1000.00} ACH Wire deposited I also attached the bank proof from my account. 

Therefore, $ XXXX $ XXXX $ XXXX {$2900.00} was made into my BINANCE.US account. 

Amount owing from me was {$5.00} USD. And I explained that there was {$5.00} in my account balance that they could take which is what they normally do. They dont wait to withdraw because you deposit into your account first and then you make cryptocurrency purchases. 

They never got back to me at all. Its been over a month now. 

Today, at XXXX PST, they sold my VET cryptocurrency without my consent XXXX XXXX  or XXXX shares. They started the liquidation without my consent. I cant take my money out nor can I transfer this. 

I invested in this company because it was US based and I thought they would uphold US values, sadly newer XXXX companies have shown far more customer honesty and respect than these loose characters. 

I need your help because I dont know what illegal activity they are engaged in with my money and personal information. 

Please help me as I had previously gone to the XXXX XXXX XXXX and the FTC but I havent had any progress with this insane company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

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 2021-05-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been furloughed in 2020 between XXXX. I have applied for mortgage forbearance and Fifth Third Bank granted me 6 months. In XXXX I called the bank to inform them Im back to work and I would like to restart payments. I have never received nor signed a forbearance contract. Nor I was informed that at the end of the forbearance I would have to repay the missed payments. In XX/XX/2020 Ive noticed in my mortgage statement that the entire missed amount is due. I called the bank and they said they will send me a mortgage addendum to have the missed payments applied to the loan. Addendum received, signed, notarized and sent back. I received a new addendum to sign due to the fact the first one was missing my wifes name as a co-borrower. I executed the second addendum and sent it back timely. 
In XX/XX/2020 I have noticed the bank reported late payments to credit bureaus for the months of XXXX, XXXX, and XX/XX/2020. I have NEVER had a late payment in my credit history. I called the bank multiple times to have the reporting corrected. After months of calls and inquiries, the bank informed me they will not change the reporting since I have not paid back the missed payments on time?! 
I hope my above explanation of the events is showing how I obeyed all rules and instructions at all times. I have never been informed ( in writing or by phone ) that I would have to pay the missed amount at the end of the forbearance. How would that help the customer anyway? I was out of work ( due to pandemic lockdown ) and immediately after starting work I would have to repay few months of missing payments??? 
I also want to mention that Im current with my mortgage loan. 
Thank you for the attention given to my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: UT

Complaint narrative:
It was time for an upgrade on my account so we went in to get new phones. We went in on Thursday and their system was not fully processing the phones so they asked us to come back the next day. We came back the next day ( Friday ) and their system was still down. So we went back on Monday and still nothing so we returned the 2 phones we did get and canceled the 3rd phone request. I paid my last bill in FULL and went with XXXX. I then recieved a bill for the 3rd phone that we NEVER recieved. I tried going into the store they told I had to call. I tried calling customer support they promised to fix it but never did. I very much care about my credit but I NEVER got the phone. I never even got it. This is not ok. You expect us as customers to pay our bill then as a customer I expect you to do the right thing and not cahrge me for something I never recieved. 
The store we went into was at XXXX XXXX XXXX XXXX, XXXX, WI XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 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: IL

Complaint narrative:
XXXX University first ruined my credit score by not sending invoices for my student loan, only after I found out through another loan provider that XXXX reported my loan as default. I contacted them, I paid the balance, they issued " paid in full letter '' however derogatory credit rating still continue till this day I notified all 3 Credit Agencies but my credit score continue to drop due to XXXX failure to notify them of my student loan being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

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 2021-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months

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 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I have been trying to trade crypto with Gemini exchange but they have closed my account when I sent them all the necessary documents for verification. This is very frustrating because now I can not withdraw or deposit money to the account and I have a lot of money I have no access to. I need this limit removed from my account as I dont even know why this happened in the first place. Gemini support will not answer any of my emails or messages and I need help from another source to get this resolved. There has to be a solution to this.

Company response to consumer: Closed with explanation