vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2020-12-05 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: U.S. BANCORP
State: NJ

Complaint narrative:
US BANK did an unauthorized hard credit pull on XX/XX/2020, which was made without my consent. While I have a new car loan with US BANK, the only time I agreed to a credit pull was during the application process on XX/XX/2020. Again, the second pull on XX/XX/2020 was not authorized.

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 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am unable to pull my credit with any reporting agencies. Ive updated my credit file and have the same information on all bureaus. There are no credit freezes or alerts on my credit. No one is able to pull my report the only report I have available is 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 2020-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GVA Holdings, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX I received an email from Bright Lending telling me my loan had been approved. I had not applied for any loan. My house recently burned down and I am currently trying to purchase a home and was told not to open any new accounts. I opened the email on XX/XX/XXXX and went to the website which had electronic signature information dated XX/XX/XXXX with an IP address out of XXXX AZ, I am located in WA state. I then emailed the company letting them know I had not participated in this at all as it was too late to call them. On XX/XX/XXXX I called first thing and they were very helpful and canceled the loan. She said that if the funds did transfer into my account they would be removed within a couple of days and would receive a cancelation email. I never received an email and {$1000.00} showed up in my account that day. I waited 3 business days and called again and was told it would take 3-5 days and my loan was officially canceled XX/XX/XXXX. I asked again for an email and did receive it timely. Today XX/XX/XXXX I chatted with someone online because the money had not been removed. I was told they would have someone call me but couldn't say when so I called myself. I was told that for them to remove the funds I had to complete an affidavit at indentitytheft.gov, take the affidavit and file a police report and then fax the police report to them to have the funds removed. WHO OWNS A FAX?! I was also told that my information was received from a third partY site XXXX. This loan was approved automatically they never contacted me to verify it was a valid request. I feel like this is predatory I did not and would not apply for a loan with a 699 % interest rate and they are making it extremely hard to return the funds. I now have to change my checking account information because I'm afraid they are going to start taking payments out. I've also frozen my credit hoping that something like this doesn't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: WA

Complaint narrative:
I initiated my mortgage refinance application with Key Bank on XX/XX/2020 and paid my application fee on XX/XX/2020. However, 3 months later, the underwriter has not started the review. The lending officer, XXXX XXXX ( NMLS XXXX ) has been unresponsive to my emails and phones regarding status update, and provided wrong estimation on closing date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
On XX/XX/2020, I notice there were two pending withdrawals from our Mortgage Company, Freedom Mortgage from my bank statement. I immediately called Freedom Mortgage to let them know about the two payments pending instead of just the 1 payment. They told me to wait until the payments went through. Then I would need to send them the bank Statement showing the withdrawal. Freedom Mortgage then stated it will take 10 days to return my money back to my bank account. I called my bank, XXXX XXXX in order to stop one of the pending withdrawals. They also told me they could do nothing until the payments went through. 
Today, XX/XX/XXXX Freedom Mortgage allowed the transactions to go through and withdrew the 2 payments {$1200.00}, instead of 1 payment of {$1200.00}. I immediately had to drop what I was doing and go to XXXX XXXX in order to dispute this transaction. Our reference number can be given upon request or you may contact XXXX XXXX. XXXX did however, return the {$35.00} for insufficient funds. 
We have tried to Call Freedom Mortgage and was put on hold for almost 1 hour before the call was cut off. My wife even tried to call the Corporate office in New Jersey but they were closed. Due to Covid we have very little savings ; It is Friday afternoon we can not reach anyone at Freedom Mortgage to dispute this. They said yesterday, it will take 10 days for our money to be returned. This is XXXX, ( XXXX ), our grandkids are coming to visit for 3 weeks ; I will not get paid again until XX/XX/XXXX. We are VERY short on funds and we have very little money for food and gas. We can not wait 10 days for Freedom Mortgage to return our funds. We have other bills to pay. These bills are coming due and Freedom Mortgage has put us in a very difficult predicament! Therefore, we CAN NOT wait. We need our fund released immediately!

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 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am unable to pull my credit with any reporting agencies. Ive updated my credit file and have the same information on all bureaus. There are no credit freezes or alerts on my credit. No one is able to pull my report the only report I have available is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 30 days later I have not received a response yet. I feel as if I am taking advantage of and being ignored by my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report, it has been well over 30 days so I demand them to be deleted promptly. 
FCRA 15 USC 1681 governs my consumer report. 15 USC 1681a. ( 2 ) acknowledges as a consumer, my reports are my reputation. Since bad debt has been furnished to each of my consumer reporting agencies, my reputation has in fact been ruined. 
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. 
I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to the lack of consent. 
Please show good faith in this matter by expediting the deletion of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. My information was also impacted y te XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-05 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 30 days later I have not received a response yet. I feel as if I am taking advantage of and being ignored by my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report, it has been well over 30 days so I demand them to be deleted promptly.

FCRA 15 USC 1681 governs my consumer report. 15 USC 1681a. ( 2 ) acknowledges as a consumer, my reports are my reputation. Since bad debt has been furnished to each of my consumer reporting agencies, my reputation has in fact been ruined. 
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. 
I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to the lack of consent. 
Please show good faith in this matter by expediting the deletion of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. My information was also impacted y te Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I pull my credit report and found that FINANCIAL RECOVERIES ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ALL THESE ACCOUNTS. 
I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The FINANCIAL RECOVERIES has the following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX  from XXXX  fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report.7 ) Collection Company fail to report a disputed debt to the credit bureaus. Protection afforded by the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00}. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
One of our savings account was arbitrarily closed by Bank of America for no apparent reason last XXXX XXXX, 2020, without informing us. My wife & I strongly feel that we were discriminated & treated unfairly. We just received a letter by mail from the bank on XX/XX/XXXX informing us of the closure 4 days after we discovered it on line. We have been loyal clients of the bank for 24 years and it is the only bank where we have maintained several personal & checking accounts as well as our home mortgage, home equity line of credit & business checking accounts. We are on the highest customer tier of the bank as Preferred Rewards Platinum Honors & have excellent credit scores. We have been in very good standing with the bank until this troubling incident. The savings account had a remaining balance of {$1900.00} which was an active account. When we inquired about it, Bank of America said it was a " business decision '' & that they had the right to close an account without informing the client based on the terms & conditions signed when the account was opened many years ago. 
Numerous attempts were made by us through calls & emails to top management to clarify & know the reason why it was closed. Our calls were filtered for the most part. To make matters worse, the Bank has prohibited us from opening a new account despite the fact that we have our other accounts with them. It gave us the impression that we have committed fraud or a crime. Our concern was just totally ignored by the bank 's top management. 
On XXXX XXXX, XXXX XXXX, Supervisor of Bank of America Customer Relations called us just to inform us of this unprofessionally handled business decision & that our concern can not be elevated anymore to top management. My wife & I really find the bank 's action very discriminating, unacceptable, insulting & offensive. 
We are submitting the emails / letters ( as attachments ) we sent to XXXX XXXX XXXX, Chief Client Care Executive & XXXX XXXX XXXX, CEO of Bank of America detailing our concern for your review.

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 2020-12-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you regarding several items on my Experian Credit Report that are not accurate. Please be advised that my Social Security Number is XXXX, and my date of birth is XX/XX/XXXX. 

My report has a record from XXXX XXXX XXXX XXXX. I do not recognize this account, and I am not responsible for it. Please remove this account from my report immediately. 

Additionally, I do not recognize several hard-inquiries on my report. Please remove these hard inquiries as well : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Additionally, my name is not XXXX XXXX XXXX. Please remove this name from my report. 

I sent a complaint about this to Experian via USPS Priority Mail ( Tracking ID XXXX XXXX XXXX XXXX XXXX XXXX ), which was delivered to them over 30 days ago. Experian failed to respond to my request within the allowed 30-day time-frame, and therefore Experian is now in breach of the law.

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 2020-12-05 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: CO

Complaint narrative:
To whom it may concern. 

Id like to submit a formal complaint about Binance US, their customer service and the quality of their service in general. 
Ever since I created an account with Binance US approximately six months ago, I have encountered number off issues. Even though I went through all the required steps of verification, I would experience The issues with Binance system that would not allow me to purchase cryptocurrency, or sell cryptocurrency, or transfer the money from my checking account to USD wallet on Binance US, or it would not allow me to plug in my debit card. 
When I would write a message to customer service, it would take them days to respond. It would be weeks before they do anything. And they would ask me to email them very sensitive personal financial information even though I already submitted that information before, even though everything was verified by their system, even though I have already made purchases and money transfers before. But they would be asking to email them more information like banking statements for the last few months etc. And then they would say that they had to do that to white-list my account. I dont even know what that means. When I would ask them questions why my account still didnt work even though I went through all the proper notification steps, and why they are requesting more of the sensitive documents, they would not answer questions, and they would be kind of rude in their email response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I just started to find out that someone stole my identity. Starting in XXXX of XXXX I started getting alerts from zelle for my other 2 accts. At XXXX and XXXX. I never used zelle before but when I asked the banks they wouldn't give me any information. So I never received the funds or any information on where they came from. I notified the treasury about this suspicious behavior and never heard back. I also notified agencies about ph hacked redirects on calls n emails. I have new contact info. I think I had some trust acct/inherited monies but I don't know how to tell. I want to complain about never being contacted, or told anything when I asked. Zelle doesn't even have have a site to see past transactions. I check online with chexsystems 2c what bank they had in my name and wasn't seeing anything I understand. So currently I'm looking for bank history on wire transfers that were for me thru XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX  XXXX. I had other account back in XXXX that I thought closed but maybe they didn't close. They are XXXX XXXX, XXXX  XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX. 
My old info that was stolen was ph # XXXX XXXX XXXX, old last name was XXXX, XXXX, XXXX. The 1st 2 were by marriage but XXXX was my maiden name and the name I use today since XXXX. The last 4 of my ss # XXXX. Currently on ssdi since XXXX n have been without a XXXX  since XXXX when I filed bankruptcy in XXXX. Which I just found out was dismissed but never notified. I need information and help. I think my accounts have been tampered with, even ones I didn't know about. My life is getting more difficult and now my checking account are XXXX is sealed under confidential and I can't see it or pay my Bill 's. I'm headed back to XXXX  with in the next week to try n see what's going on and get my money out. Please contact me with any questions or if more info is needed. I also want to include XXXX, XXXX XXXX and any other company that handles financial transactions. Included XXXX  XXXX XXXX XXXX and XXXX  XXXX. 
I need to get a history of transfers, complain about not getting help at my current banks and where I can get the financial history information so I can see what's going on since my divorce in XXXX. 
My current info is XXXX XXXX XXXX XXXX XXXX. 
XXXX or XXXX *I 'm also going to contact the department of real estate because I think I should find out what happened to my home in XXXX XXXX ca. XXXX or XXXX which is why I found out my identity was taken. Even my car ( XXXX  XXXX  ) or any claimed property thru unclaimed or echeated accts. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have submitted this complaint three times to CFPB and no action has been taken. All CFPB does i forwards the compliant to the Bank of America who does nothing. I have complained to Bank of America Home Loan many times and they haven't done anything. They have been posing fraudulent transactions on my account to charge excessive interest. I need this to be resolved and I need CFPB to really get involved rather than simply forwarding the request to the bank. I have proof and audit trail of all my transactions.

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 monetary relief