vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-11 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax ; XXXX XXXX XXXX are not investigating the negative accounts reporting on my credit report. ( I have attached a copy of my Drivers License and Utility bill for identification purposes. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: MO

Complaint narrative:
XXXX XXXX  Experian and XXXX  are not investigating the negative accounts reporting on my credit report. ( I have attached a copy of my Drivers License and Utility bill for identification purposes. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2021-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: MA

Complaint narrative:
i tried to withdraw XXXX and XXXX i was given a provisional credit and the money was wrongly takem back total XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: PA

Complaint narrative:
I think this is now my second or third request. They keep locking my online account so I can not view anything. I did call once, and they indicated there was an old email address on file, I said yes, XXXX @ XXXX that is an email not in use any longer, then they re-activated my online account, but low and behold I go to log in again, and get the same error message to call them, l call, they ask 20 questions then say I have to mail something, I feel this is harassment because I have filed complaints against them for unfair reporting, they are reporting my credit as poor, and I have stellar payment records. 
I originally had a paid account and couldnt access it, so I cancelled that, now I can not log in at all. I want my information reset, I am sick of this you are the only company who keeps locking me out of my account what is your problem really??? 
What a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Crossroads Systems Inc.
State: CA

Complaint narrative:
I applied for a XXXX loan back on XX/XX/2021 to help keep my business going. I went through XXXX XXXX the process was simple and moving in a timely manner. I was quoted that after passing all verification and being XXXX approved, which I was and I have a loan number. I would receive funds for my business in 7-10 from the start of application. I docu signed a promise to pay note on the XXXX of XXXX. Since then I have not received any funding. The lender doesnt have a contact neither is XXXX XXXX replying to any tickets/ email that I have submitted regarding this loan. No customer service no real answers. They have all my information bank statements access to my account my ID front and back plus my passport picture. Im not sure if I have been scammed or what but its now XX/XX/2021 still zero communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: TX

Complaint narrative:
This is a formal complaint against Portfolio Recovery XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have contacted all three Credit Bureau/Agency ( XXXX  ) and the Creditor ( XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IA

Complaint narrative:
I have been trading with Binance US over the past few months and was notified on XX/XX/2021 of a deposit that did not go through from XXXX and was asked to deposit XXXX USD. I promptly did so that same day with verification from my bank that that money was withdrawn from my checking account. That money was subsequently removed form my trading account by Binance US to satisfy the initial charge that did not go through. 
My trading is still disabled and I was able to deposit another XXXX USD but have been unable to trade or withdraw any funds. 
I have submitted several tickets and requests to restore access to my funds with no response other than automated emails saying my request was received. I have over XXXX dollars worth of USD and different cryptocurrencies which I have not been able to access for almost a month.

I have also re-verified my personal information ( drivers license, address, selfie and personal video asking to reinstate my trading as I thought this might accelerate resolution of this issue.

Ticket numbers that I have received from Binance US for my requests include # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Without my knowledge a 'fraud alert ' was put onto my credit profile. This has made leasing a vehicle and accessing any credit increases very difficult. My bank advised me to contact each reporting bureaus to have my phone number added or to remove the fraud alert from my account. 
Upon trying to contact Transunion on XX/XX/21, the teleprompter took me in circles over and over and over again with no option to remove the fraud alert. I then attempted to use the online chat. The chat representative asked me to hold and never came back therefore timing the chat feature out and closing it. This happened three times. They have made no venue to contact them regarding this matter as you can not speak to a representative and there is no option on their teleprompter. The chat for help feature had the same response each time, 'Please wait a moment while I research this ', and the person never came back. 
This is very frustrating that I am unable to increase any credit limits or get any new credit extended because of the fraud alert that I am unable to remove.

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 2021-05-11 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: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

FEDLOAN Account Number : XXXX 2. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account Number : XXXX 3. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX CR Account Number : XXXX 4. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX Account Number : XXXX 5. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX Account XXXX : XXXX 6. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX CR Account Number : XXXX 7. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 8. FDCPA section 807 Violation misleading false reporting XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX 9. FDCPA section 807 Violation misleading false reporting Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
These people will not stop calling my work number. I do not owe a debt to these people and they are harassing me daily. I have filed a complaint with the XXXX. Again, this is my work number and I do not want calls from fake companies that don't identify themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please update my personal information on Equifax, XXXX XXXX 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please update my personal information on XXXX XXXX, Experian. 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be 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 non-monetary relief
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: DE

Complaint narrative:
XXXXwo weeks ago I had to submit a complaint against US bank Reliacard for {$500.00} in charges that were made fraudulently on my card because it hasnt been resolved and this happened back in XXXX XXXX 2021. Well I finally got a call from them and yet another dispute filed and was instructed to call back if I havent received that dispute form to sign and return and I have not received it as of today, XX/XX/2021 so I called back and was told that my money that was deposited today from unemployment can not be transferred onto my new replacement card and they said that its in my agreement that I forfit my money when I get a new replacement card and will forfit all my benefits that get deposited weekly for as long as they get deposited and that I can not ever get any money from them ever for my unemployment benefits since I had to get my card replaced and filed a dispute against them and filed with your company in the first place. That is {$930.00} on that cards account number that filed the dispute on and get {$420.00} weekly for the next 23 weeks that they are claiming that I will never be able to access and they will never transfer onto my replacement card. PLEASE HELP ME AND DO SOMETHING WITH THIS DISGUSTING, FRAUDULENT, FELONIOUS " COMPANY '' BECAUSE THEY ARE THIEVES! NOTHING MORE AND NOTHING LESS-THEY ARE STEALING PEOPLES MONEY AND DEFRAUDING THE GOVERNEMENT AND TAKING THE ONLY INCOME ME AND MY 4 MONTH OLD HAVE OR WILL HAVE FOR 23 WEEKS AT {$420.00} PER WEEK AND THE MONEY THAT IN MY CARDS ACCOUNT AS OF RIGHT NOW WHICH IS {$930.00}. PLEASE PLEASE HELP ME BECAUSE I CAN NOT FEED MY BABY OR PAY MY RENT OR ANYTHING NOW BECAUSE OF THIS THIEVING 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 2021-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
My complaint is that the account is reported as {$1100.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of this account far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time. I have already made the payment on this account and i should not have a balance on any of the credit bureaus please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
Hello, The refinance was scheduled for XX/XX/XXXX. On that day I found that my is on the tile of the house. 
I called XX/XX/XXXX, XXXX, XXXX, XXXX. I got a call on XX/XX/XXXX that the paperwork would be corrected. 
At this time I was to get back {$1600.00}, my old escrow was at {$2800.00} and I miss one payment. 

On XX/XX/XXXX I got a call that the paperwork would be corrected. 

I then called XX/XX/XXXX, XXXX, XXXX. On XX/XX/XXXX I received and email to reschedule the close. 

It was set for XX/XX/XXXX. 

I get a call an hour before the close that it needs to be rescheduled because I owe money at close. But could not provide any information at that time. 

XX/XX/XXXX I got a call that they would get the paperwork fixed. 
Second call of the day was that I would get back {$1000.00} at close. And miss XXXX payment. No mention of my old escrow. 
Close was set for XX/XX/XXXX. 

XX/XX/XXXX I found out that the taxes were paid from the old escrow. And called to get the taxes stopped from paying under the new escrow. 
I was advised that I get call by XX/XX/XXXX. 

XX/XX/XXXX per the title company the taxes were going to be paid. I called again to get them stopped. I was promised a return call. I AM STILL WAITING. 

Per the title I am to get back {$980.00}. I have yet to receive the money. 

I called on XX/XX/XXXX because the taxes were paid twice. Where is my {$1000.00} from close and where is my {$1000.00} from my old escrow. 

I was advised that the title company is trying to get back my {$1800.00} in taxes. 

Today I found out that they took my escrow and applied to the payoff balance of the old loan. And since it is now short to pay off. They are keeping my {$1000.00} over payment And not refunding the escrow account. This includes that they will not refund the over payment of taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 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: FL

Complaint narrative:
I disputed unauthorized inquiries and 2 medical accounts that do not belong to me and a account that says charge off which is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I submitted a credit card application with Chase on XX/XX/2021. After a few days I called to follow up on the status, and they said they needed documents from me, drivers license, business license, EIN etc. Chase provided a link and uploaded all the documents that were requested. I followed up again, and a customer rep said they need proof of address. I recently moved and my drivers license shows my previous address. I provided a utility bill from the beginning and the customer service rep confirmed they had received it. But he said they still need other information at the time another link was sent to me requesting a copy of my drivers license. I was confused and sent it again. I called again to follow and another customer service rep at the time said my application had been denied because my drivers license wasnt valid. She was rude and not helping. I had to question her further to get to the bottom of the issue that it was the address on my license doesnt match my current address. I told her there were other ways to verify my address, she said I could fax or go to a chase branch and they could fax my utility bill. I went into a branch and they faxed my electricity bill. I called back and they said they had received and there wasnt anything else needed from me. Then, I got a letter saying that the document I provided ( my electricity bill ) did not provide the information they need it ( proof of address ). Even though a utility bill is aceptable proof of address per their email.

Company response to consumer: Closed with explanation