vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTY HOME MORTGAGE CORPORATION
State: KY

Complaint narrative:
XX/XX/2021 - Home Insurance Paid ( They paid an entirely different insurance company and asked them to not cash the check / ordered a stop payment ) - {$1400.00} XX/XX/2021 - Home Insurance Paid ( Paid my actual insurance company ) - {$1400.00} The money from XX/XX/2021 was never returned to my escrow account. Ive called in every week or so since XXXX asking about my missing money from my escrow account. 

Each time I have gotten a different response ranging from call the insurance company to get your money back ( this obviously can not be done since they paid some other insurance company Im not even aware of ) to the most recent response of we are handling this and the check is in the mail. 

I have now waited days past the time of when the check is supposed to be delivered to me to put back into my escrow. I called back in and the representative said she has no record of a payment being made to me. They are telling me they are waiting on the response from the wrong insurance company they disbursed my money to. 

GHM ( Guaranty Home Mortgage ) owes me XXXX and so far they have gotten away with stealing this money from me and now asking to raise my mortgage payment because my escrow is too low.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have an account with Experian. I check regularly The problem which has been happening for XXXX  years : XXXX month, a XXXX year old credit card, was showing CLOSED. 

A few times a year, I check my report and SURPRISE! That credit card is showing OPEN and a dozen missed payments NOT ACCURATE I COMPLAIN TO EXPERIAN XXXX THERE RESPONSE IS : this account has already been disputed, nothing we can do. Such XXXX! 

PLUS XXXX GETTING READY TO MOVE! So credit checks will be occurring. 
XXXX so angry. This WILL ABSOLUTELY PREVENT MYSELF AND FAMILY FROM BEING APPROVED! 
Cards that flip flop every few months, closed XXXX  month - no late pymt history- month later it shows as an OPEN ACCOUNT XXXX  months late!! 

PLEASE HELP

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 2022-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am unaware of all these inquiries, I have called all the companies and credit bureaus and have sent letters for the past 6 months to no avail.

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 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was approved for a Citi Cash card to help pay down my debt. I transferred {$2900.00} from a balance transfer to this Citi Cash card due to I only have a {$3000.00} limit on the card. I only have 4 months from the date I opened the card to get {$0.00} finance charge on balance transfers. On XX/XX/22 I made a {$1000.00} payment to my Citi Cash card. They withdrew the {$1000.00} from my checking account on XX/XX/22. My account shows a balance of {$1900.00} but I only had {$0.00} in available credit. I wanted to use that {$1000.00} to make another balance transfer. When I called Citibank on XX/XX/22 about my available balance they told me the payment was on hold for verification. When I asked why, I was told its because I made a large payment. I requested to speak to a supervisor and asked him when will it reflect in my available credit and he said XX/XX/XXXX. I asked where in the contract does it state they were going to hold my money and he told me on page 3 and then he hung up on me. Theres nothing anywhere in the contract about verification holds. I called back the following day at a different time and was told the same thing that my payment was on hold for verification so I asked him where does it say they can do that in the contract and he said it isnt written its just something they tell people over the phone. I understand what a verification hold is but no one could tell me why it takes 10 days to release the hold. They now have {$1000.00} of my money and I have nothing to show for it. I cant do another balance transfer until after my other credit card payment due date. I believe they are holding it to whittle down the time they gave me for the interest free balance transfer which is why I chose their credit card in the first place.

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 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: IA

Complaint narrative:
I have been called by multiple phone numbers associated with AllianceOne debt collection, almost every single day as far back as XXXX of 2021. They are calling and leaving nondescript voicemails asking for myself, ( XXXX XXXX ) or my dad once ( XXXX XXXX. ) They have called from XXXX almost daily, and XXXX back in XXXX and starting up again in the new year. I answered a call trying to figure out who they were, and they confirmed they were debt collectors trying to collect a debt that belongs to my dad, who I was not in contact with when he died in XXXX of 2021. I explained this XXXX separate times ; as they were calling while I was at work, and I answered because I had been waiting on other relevant calls regarding my dads death. They said they would not call anymore, but are continuing to harass me and leave voicemails. My dad was so broke when he died we didnt even establish an estate and his things were sold off by his landlord. No one is going to pay this debt, and this company is disgusting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX child support and Equifax inc. is violating my constitutional rights under the 11th and 14 amendments for the past 15 years. In a corporate bond scheme for profit, in an alleged contract agreement, creating a libel false claims on a monthly basis against my credit score. Which has effected my past, my present and may future. A debt of garnishment that must be done under a court order. XXXX XXXX XXXXXXXX. Section 7. When the supreme court has ruled. United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX child support is a agreed contract that I have never agreed to, agreed with or agreed on. XXXXXXXX XXXX XXXX  XXXX created a gender discrimination against men. Enrolling them against their well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I sold a TV to someone on XX/XX/XXXX for {$100.00}. She sent me the money on CashApp and took the TV with her. After receiving the item, the person filed a dispute with their bank. Cashapp did not ask for proof of a false transaction and removed money form my account without permission on XX/XX/XXXX. I spoke with a Cashapp representative and they told me that they're required to refund the money when someone files a dispute. I don't understand how they're required to take money out of my account without getting proof that the transaction was not fraudulent. I now have no recourse to receive my money because my bank ( XXXX XXXX XXXX says Cashapp has to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: CA

Complaint narrative:
Id like to address an issue Im having with Bank of America denying my claim violating my rights on my funds and not following proper protocol and have not done a proper investigation to support there decision on my claim Im requesting that they follow proper regulations. And that I may be returned what was insured by these transactions that were unauthorized and if they need more time as mentioned that they credit me while they investigate this case. I believe that there denying my claim in order for them to cancel off a hardship on a denied claim and to credit me after the 10 days so that the claim is open after the 10 days so that Im not credited and no hardship for it since it cant file for any hardship and cancels out the credit before 10 days 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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have on my report a previous address of XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and I never lived there. I did however live next door at XXXX XXXX XXXX. I disputed this on experien and they updated it as still being XXXX of my previous addresses. I also have XXXX more wrong addresses on my file that I just disputed. XXXX XXXX XXXX XXXX  in XXXX and XXXX XXXX XXXX in XXXX. Both in NJ. I would like them taken off my report please and thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I received a notification that I had new credit inquiries listed on my credit report. I think checked my credit report and saw that I had the following new inquiries : XXXX inquiry XXXX XXXX Experian  inquiry XXXX XXXX and XXXX XXXX Bank I then froze my credit through XXXX, Experian, and XXXX. On XX/XX/2022 I contacted XXXX and XXXX XXXX Bank. Both banks told me that they have no record of an open account or any applications being submitted/opened with my ssn or name. I then filed disputes with XXXX and Experian to get these unauthorized inquiries off of my credit report. 

I am unsure of where to go from here. I have not applied for any credit and I have not given out my information. However, I am concerned that someone is using my information and trying to open accounts.

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 2022-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
OnXX/XX/2022 I received a notification that I had new credit inquiries listed on my credit report. I think checked my credit report and saw that I had the following new inquiries : TransUnion inquiry XX/XX/2022-XXXX XXXX inquiry XXXX/2022- XXXX and XXXXXXXX XXXX XXXX I then froze my credit through TransUnion, XXXX, and XXXX. On XX/XX/2022I contacted XXXX and XXXX XXXXXXXX Bank. Both banks told me that they have no record of an open account or any applications being submitted/opened with my ssn or name. I then filed disputes with TransUnion and XXXX to get these unauthorized inquiries off of my credit report. 

I am unsure of where to go from here. I have not applied for any credit and I have not given out my information. However, I am concerned that someone is using my information and trying to open accounts.

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 2022-01-28 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: OH

Complaint narrative:
On XX/XX/2022, I contact Experian to find out why my credit score dropped XXXX  points and no one could tell me. I received five different numbers to call to get my Question answered. The last phone number I received was for credit counseling. I dont need credit counseling, I need to find out why my credit score dropped XXXX  points. Ive had this same problem before with Experian. When my credit gets a certain point, they bust it down about 30-40 points without a clear explanation. No late fees or payment to justify the decrease.

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 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a federally protected consumer ; natural living person. I am aware that Bank of America is in violation of my federal rights. I am not being coerced by any third party or agency and I am making this complaint with my own free will. Please review the complaint attached.

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 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
I've already contacted every agency I can think of about this theft. SEC, FTC, CFTC, MN XXXX XXXX XXXX, XXXX, and the XXXX. I've already leveraged this complaint with the CFPB per complaint ID XXXX, however the CFPB refuses to actually take action against Coinbase for their theft, and so I intend on resending this complaint again and again and again as long as I need until it is resolved. 

On XX/XX/2021 I purchased XXXX XXXX  at XXXX per XXXX  for {$6.00}, or {$7.00} after fees. I was properly given the XXXX XXXX. Then days later Coinbase stole XXXX XXXX from me without warning. I have evidence of this via a receipt, via video, via pictures, and via screenshots. Had I purchased only XXXX XXXX at the quoted price then it would have cost me {$0.00}. If I'd purchased at the current price as of writing this ( {$0.00} ) then it would have cost me {$1.00}. Not only have Coinbase stolen my crypto, but they have also stolen my money. The math doesn't lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: HI

Complaint narrative:
XXXX XXXX sent an account to collections which has been attached to my credit in error as it is not my account. The account was sent to IC System for collection and currently has a balance of {$1300.00}. I spoke to IC System on XX/XX/2022 and they provided me with the XXXX account number, the name and spelling of the customer, the service address and the service dates. They told me that I needed to file a fraud report with XXXX XXXX. I do not believe that this is fraud because the agent I spoke to at XXXX XXXX on XX/XX/2022 said that there was no social security number used to open the account they are attempting to collect on. The name on the account that they are trying to collect on is pronounced the same as my first and maiden last name. However, the spelling of both the first and last name of that individual are different from mine. The service address is in a state which I have never lived. Now I am being burdened with filing a police report and getting a fraud report notarized in order to have this removed from my credit. It seems that they randomly selected someone with a similar name to collect the debt from. I was never contacted in an attempt to collect on the debt. I was only made aware when I received an alert from my credit card company.

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 2022-01-29 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: TX

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 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: TX

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
transunion., has a chapter XXXX which is pay retrieve by XXXX  .the us court does not reply to transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Somebody wiped out all my accounts account I didnt authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/22 I sent Experian a letter by certified mail to remove XXXX inaccurate addresses that's currently reporting in my Experian credit file. Experian also disregard my request to send me credit reports to my physical address once an account is updated or a credit report is requested to be sent out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Statebridge Company
State: TN

Complaint narrative:
This Statebridge XXXX has hired an attorney to foreclose on my home even though they have a XXXX mortgage and I have a first mortgage. I talked to someone this week by calling myself as I received a letter from their attorney that stated if I want to try to resolve this to call their number at Statebridge. The lady I talked to was very helpful told me to send my first mortgage statement to loss XXXX and that I want to request a loan modification. Which I did XXXX days and had no reply so I then called. I spoke with XXXX was contradicted himself several times as I am sure the call can be pulled and verified then he stated XXXX is my rep and would call me back after the investor reviewed it and would probably be next week. Now XXXX calls today and he stated he was told to call me so I am assuming he has information for me as XXXX stated nope so I had to tell everything again and he states he does not see my email even though XXXX did say he seen it in the system with my first mortgage statement attached and there is nothing they can do even me telling him what the attorney letter said to call them for a modification plan. XXXX also stated back in the summer they called me every day with a blast campaign which is untrue or if they did call no messages were left and I would like to see proof of where they called me every day and left a message This company all XXXX people told me something different no one knows the same thing so I do not know what to do or believe. XXXX finally gave me the attorney phone number to call and said they would have to help me but XXXX states they would not help me and would refer me to them. This is ridiculous that no one will help try to resolve. Still today if I had not called NO ONE has tried to call me and has had a conversation with me at all.

Company response to consumer: Closed with explanation