vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a inquires on my credit report that I have no knowledge of. They are falsely reported without my consent from unknown creditors.

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have a inquires on my credit report that I have no knowledge of. They are falsely reported without my consent from unknown creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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:
Binance US is playing with people 's money. In the middle of a PANDEMIC. There are hundreds of customers complaining about not being able to access their money, frozen funds, lost money, zero responses, and no help. This should be embarrassing for ANY company that is in decentralized finance. It's shameful. I'm having this experience right now with a verification process that has been going on for months, with funds frozen in my account that I can not withdraw due to a delayed verification process. 

I started the verification process XX/XX/XXXX. They claimed it would take up to 15 days to fully verify. For SOME reason, you can not trade anything or withdraw anything until your account is verified, BUT you CAN deposit into the Binance wallet. Assuming this was only going to take two weeks, I transfered 1k worth of XXXX into Binance. However, the verification process is still going on, and I do not have access to trade or withdraw my money. 

I have reached out on various occasions to the company. They don't have a number to call so it's only through support tickets. Zero responses. I was finally asked to submit documentation again, and I did, but still, zero responses. That was at the top of XXXX. I started to reach out to them on social media like XXXX and XXXX they blocked me on XXXX. 

I am not the only one experiencing this. Every XXXX  on their XXXX  account has replies from angry users not being able to access their money or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/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 1605 and Ally Financial Inc was then given my information without my consent or permission then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt they failed to provide authentic documentation which clearly indicated no such matter existed Pursuant to 15 USC 1692d ( 4 ) they then state they are going to repossess the vehicle in which they clearly have no intrest in and furnishing fraudulent documents defined in 8 USC 1324c.r,15 USC 1692j identity theft reported to the Federal Trade Comission report Number XXXX UCC11 Lien search was conducted Name dose n't come up with a lien.

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have inquiries reported that I do not recognize

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 2021-04-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a problem with experian Credit bureau Checking into an existing problem I have XX/XX/XXXX report and in accurate information on my credit report I contacted them directly XXXX they have no records please update the system immediately my family is homeless behind this matter did they say this account was open in 2020 I thought Identity theft report since then Please validate this matter Im serious this is a serious

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
there is a charge I didn't authorize for XX/XX/XXXXXXXX for {$54.00}. this is being done by a supervisor in disputes that has been revising disputes on my account and charging my accounts and compromising my cards. Im going to go into a branch this morning and change my account numbers and credit card number since it's fraud on my account and customer service with navy federal is doing nothing. Im writing because I want this charge of XXXX removed and disputed and new account numbers given to me to secure my account. ive written the security department about this discrimination and no one is responding. this is being done to attempt to damage my credit with these unauthorized transactions. I am being discriminated against because of my race and background. this is fraud and I'm being discriminated against by this supervisor in navy federal in disputes that has access to my account information and keeps placing invalid transactions on my account as an attempt to get me to close my accounts and negatively effect my credit score which im trying to prevent. This is a free country and my first amendment gives right to free speech. I didn't violate any terms of navy federal and can not reach anyone in security to unblock my access to services on my accounts. I'll be going into the branch Monday morning. please remove this charge and investigate this supervisor at navy federal that is clearly a XX/XX/XXXX and a XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
My mortgage was moved to Round Point Mortgage via XXXXXXXX XXXX  in XX/XX/2021. It took 2+ months of dealing with them to just get a simple biweekly payment schedule setup and multiple times talking to them for hours and being told it would be corrected then it was not. I then made a complaint on CFPB and a customer advocate actually helped out to get the biweekly process started, so I thought. I know come to see that my biweekly payments are not being processed as I was told when I sent it up. Screen shots and emails are in the attachments. 

This scam company is try to stop me from paying off my mortgage sooner not allowing me to utilizing a biweekly pay format to cut down on my principle. The setup below was finally created on XX/XX/XXXX and on XX/XX/XXXX my first biweekly payment was taken out. But it was never processed and put against principle like it was supposed to XXXX screen shot attached ). I request information from them over 48 hours ago and have still not heard back. I have called the advocate and every time I do it goes straight to voicemail. 

First biweekly : {$1400.00} normal payment + {$600.00} toward principal Second biweekly : {$1400.00} normal payment + {$600.00} toward principal Etc. 
For a total of 26 payments per year. 

The major red flag about this company is that you have to jump through such hoops to do the simplest of actions that most every other mortgage company has simple click of a button to get done on their website.

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On two separate occasions in 2020, I contacted Capital One to discuss payment options as I was needing Covid assistance. Capital One customer service set me up on two payment plans. In these payment plans, Capital One provided specific dates and amounts due as per the payment plan. I followed these payment plans. However, Capital One, unbeknownst to me, continued to mark my payments as late on my credit report.

Capital One never noted on my credit report these " late '' payments were the result of a federal national disaster. This is strictly required as part of the CARES Act. This failure to add a natural disaster note has caused me irreversible damage to my credit report by causing me to be denied for additional credit.

Washington COVID-19 PANDEMIC ( XXXX ) Incident Period : XX/XX/XXXX, XXXXand continuing. Major Disaster XXXX declared onMarch XXXX, 2020. 

Washington COVID-19 XXXX XXXX XXXX Incident Period : XX/XX/XXXX, XXXXand continuing. Emergency Declaration declared onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
The company reported to my credit without notifying me first. I called them and confirmed that they sent to initial demand letter to an old address. I asked them to delete the information off my credit report and then send me the initial demand letter so I have time to take care of the balance without anything hitting my credit. The acknowledge it was sent to the wrong address but claim since they received that address from the originator that they followed all the rules. I disagree, I was never allowed time to take care of the accounts before they hit credit. They said they also had phone communication with me but during that call they never talked about credit reporting. This is very unfair and violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX its reporting to the credit bureau a medical bill that does not belongs to me. I have requested validation of the item requested via phone after several attempts to disputing the collection directly with the credit bureau. I requested the company via phone to send me my confidential medical records with my writing release, no answer what so ever clearly violating my rights under HIPAA.

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 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I paid EOS on XX/XX/XXXX for my XXXX XXXX collection. As of XX/XX/XXXX, XXXX is still reporting the account as owed for {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: MN

Complaint narrative:
I am purchasing a new construction townhouse with Pulte XXXX and signed a purchase agreement on XX/XX/2020. As part of the purchase agreement to receive the builder 's incentives totaling {$9500.00}, I submitted a loan application to Pulte Mortgage on XX/XX/2020. The purchase agreement and Federal REG B guidelines required the lender to provide a " Notice of Conditional Loan Approval '' within 30 days of the loan application. I did not receive the conditional approval until XX/XX/2020. This is a violation of Federal REG B and a breach of contract by the builder. Now that I am within 45 days of the home being completed, I have not heard from anyone on my loan team since early XX/XX/2020 even though I have made repeated attempts to contact. I am concerned that the loan financing will not be complete in time for the closing. However, even if the lender approves the loan insufficient time for the closing, this does not negate the fact that the lender did not meet the 30-day requirement for the conditional loan approval. The lender also did not send out an Additional Information Request letter, which would have extended the 30-day requirement. I provided all documents within a timely manner, so I honored my portion of the purchase agreement. The Lender is in violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XX/XX/XXXX - CARD SERVICE on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XX/XX/XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XX/XX/XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XXXXReported Identity Theft ) XXXX.XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX.XX/XX/XXXX XX/XX/XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Our mortgage was being serviced by TD Bank when we decided to refinance. We closed on our refinance on XX/XX/2021. Our XXXX mortgage payment did not go through prior to the refinance and so there was an overpayment amount, in addition to the escrow balance owed back to us By TD Bank. 

I called to inquire about the money they owed us mid-XXXX. They allegedly cut a check XX/XX/XXXX in the amount of $ XXXXish. I don't have the exact amount. Well, it never reached our door even though I've received THREE other mailers from them. 

I called today to ask about them resending another check. I asked if I could pick it up at a local branch or if it could be mailed priority. ANYTHING. They were unmoved. They told me it would take 5-10 business days just to cancel the check. Then it would take another 10 business days to CUT a new check. Then it could take up to 30 business days for us to RECEIVE the check. That is about 8 weeks from now. When we should've received the check over a month ago. 

This is unacceptable. The timeline for the receipt of a check. RIDICULOUS. They are withholding my money on a timeline that suits them with complete disregard for the consumers they adversely impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I spent half the day yesterday entering a detailed complaint ( # XXXX ) with you, the CFPB, against TransUnion ( TU ) WITH 21 pages of documentation attached ... AS SHOWN on the attached, YOU received the complaint, YOU assigned it a complaint #. I never received the e-mail it references telling me how I could follow updates, etc. So, as YOUR instructions state, I phoned your Helpdesk this morning. She tells me she can't find the complaint ... she tried by the complaint #, my name, my phone number, and my e-mail address. My options : spend another half day today doing it all again. Yeah, she apologized, but that don't do me any good ... I have to do it again if I want to register my complaint. How do I know it won't have the same fate as the first time ... LOST? What kind of systems are you guys running 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 explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Made dispute with Bank of America fraud department on transactions that were made in XXXX. I did everything as instructed including a police report. I was told there wasnt a sufficient amount of evidence to be in favor of my claim. Its over {$3000.00} missing from My business account and Im about to withdraw all my funds from my personal and business 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 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NY

Complaint narrative:
Over the past few months I have discovered that there were unauthorized cards attached to my account. None of which I received any text alerts regarding the usage and/or activation of these cards. 
In XXXX of 2019 I, I filed a complaint with the credit bureaus in regards to identity and fruadalent activity on my reports in addition to contacting Netspend and cancelling the account and card. Only to recently discover that the accounts nor cards were cancelled. 
In XXXX of this year, I came across atm withdrawals that we not made by myself. Over the past few months, for weeks at a time I have had no access to my accounts via their website nor mobile app. Their information online is inaccurate and when I file disputes, they deny my claims when they are the ones at fault. 
They have not provided me, in writing nor electronically the reasons for the denial of my disputes.

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