vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: LA

Complaint narrative:
Flagstar mortgage company 's escrow department issued at total of {$10000.00} in gross error. {$4600.00} was issued on XX/XX/XXXX for a policy cancelled in XXXX. On XX/XX/XXXX they issued a payment of {$2900.00} to the correct insurance company then issued a second payment to the same company on XX/XX/XXXX for a total of {$10000.00} in 7 days. 
Since XX/XX/XXXX I have spoken to flagstar mortgage 5 times for an approximate phone time of 1-2hr per call. The insurance department has no explanation for the error and the escrow department has a shortage of {$7600.00} resulting in an {$800.00} increase of my monthly note and informs me until the shortage is resolved there is nothing they can do regarding the next payments extreme increase. It has been my responsibility to contact the insurance companies, request refunds, follow up on refund status, XXXX mail service. 
This has been extremely time consuming and frustrating as Flagstar 's departments do not speak to one another causing constant transfers of call with ridiculous wait times. To date, I am awaiting refunds via mail with great concern in trust that this company can accurately manage the loan services agreed upon. This in not the first time I have experience insurance and escrow errors with Flagstar.

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 2021-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I checked my credit report one day stating that I had a collections account of the amount of {$220.00} dollars. I sent the debt collector a debt validation letter via certified mailed on XX/XX/2021 XXXX which they received on XX/XX/XXXX ) to which they failed to validate by not responding to my dispute. The company decided not to respond to my debt validation letter as it is my right to know who am I dealing with. I am disputing directly against their failure to validate the alleged debt.

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 2021-06-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I had entered directly into a payment agreement with XXXX XXXXXXXX as my account was 30 days past due, and I was promised that my account would not be reported any longer as late or past due amounts to the credit reporting agencies as long as I was in the program. The account should not and never have been reported as late as of and after XX/XX/XXXX. The account was NOT charged off and I had paid as agreed and paid the amount in full prior to the end of the payment agreement program. 

On XX/XX/XXXX XXXX XXXX had sent me a letter explaining that they would " re-age '' the account after the past due balance was paid. It is my understanding that RE-AGAING is ILLEGAL, and that they had promised me and also written such terms to me that they may not have legally been able to provide to force me to pay the debt. 

In a prior dispute in XX/XX/XXXX, XXXX XXXX was found to be reporting the incorrect information and they were only able to go back according to XXXX XXXX for one year in their records to correct the late payments that they had promised me they would remove via multiple phone calls. The credit report was corrected with XXXX XXXX reporting of inaccurate information, but the reporting of incorrect information was still not accurately reported. I have sent multiple letters to XXXX XXXX and they have reported incorrect information and illegally promised me to re-age.

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 2021-06-03 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: TN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and XXXX you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
ON XX/XX/2020. I was a victim of identity theft. Some could have been a friend, family member, or someone in general in fraudulently applied to Citi CBNA Card. I didn't not consent, authorized, benefit, apply to nor use Citi Bank programs or products. I have reached out to XXXX, XXXX, and XXXX  about the matter and they all responded that the reporting company has verified the information. I have filed an FTC identity theft report. I want this inquiry blocked and deleted. It's one of the inquiries that I have complained about that is stopping me from attaining XXXX XXXX  XXXX because of their XX/XX/XXXX rule. 

I have also filed a previous CFPB complaint about the reporting of the aforementioned companies reporting inaccurate unverified information lacking maximum accuracy. 
See FTC Identity Theft Report : # XXXX and CFPB # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have disputed an account with the bureaus previously and it has not been resolved! There a 2 XXXX XXXX  late notations reporting on my file that are erroneous. I did a quick sell on my home and ended up moving immediatley and the new owners settled in very shortly after. My title company was supposed to be taking care of the transactions and since it was in XXXX, I assume it would take 30 days to process payment but XXXX only has 28 days in the month. What I wasn't aware of is that XXXX reports late notations on the XXXX of every month and will consider you 30 days late after that period. They knew my house was going up for sale and they would receive their payment in 30 days! They ended up putting late notations on for XXXX because the payment wasn't received by the XXXX and for XXXX?! They had already received the full payment and the account should have been closed. There was no payment due in XXXX so there is no possible way for me to have been late. I disputed this with them and they apologized for the confusion and gave me a XXXX card?!? I can afford my own XXXX, I need them to remove the erroneous lates.

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 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The following accounts are not mine and i want them to be removed from my credit report in the 3 credit reporting agencies. See bellow which are the accounts : 1. Identity Theft XXXX XXXX XXXXXXXX This is not mine 2. Identity Theft XXXX XXXX XXXX XXXX This is not mine 3. Identity Theft CAPITAL ONE XXXX This is not mine 4. Identity Theft CAPITAL ONE XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: FL

Complaint narrative:
On XX/XX/2020, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: PA

Complaint narrative:
PLEASE HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 62 days and I have not received a response. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I never applied for or received this card.Where is the original signature and agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days & I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc.
State: PA

Complaint narrative:
For the past month, I have been receiving calls from a number identified as, " CMI Group. '' I have answered this call repeatedly and asked them to reference what it is about as they constantly call when working. They refuse to state their business, and repeatedly ask me personal and identifying questions, which I refuse to answer. I have repeatedly asked for a debt validation letter, as I receive no information about the purpose of this call. As soon as I ask, they hang up. If this would have just stopped there, I would rack it up as a misdial. Instead, they call 2-4 times a day, repeating the same process. Today was the last straw. They called around XXXX. I AGAIN told them a ) I'm working and b ) I would not now, nor ever, provide them with personal or identifying information. If they were legit, they could tell me WHY they were calling as they'd have the information they were asking for. Yet again, they promised not to call during business hours. That lasted less than 3 hours until they called yet again. This is harassment, plain and simple. As far as I'm aware, I owe them nothing and will hold that stance until they identify why they are calling. This hasn't happened in the approximately 100 calls I've had over the last month. Make it stop, please. This is disruptive to my business and personal life and an absurd amount of times to call when the company won't even answer questions about the supposed " debt. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Hi there, My name is XXXX XXXX and my mortgage was recently sold from XXXX XXXX to Freedom Mortgage. The unfortunate part is that I was in the middle of completing an Insurance Claim Check with XXXX XXXX. I had completed all the steps necessary to receive the final payment from XXXX XXXX in the amount of {$14000.00} but suddenly they sold my loan to another mortgage company. Now, these sales happen all the time but I'm having a hard time getting the money that belongs to me from Freedom Mortgage. I have contacted Freedom Mortgage multiple times and provided all the documents again and yet there seem to be no resolutions. They keep saying that they're reviewing the documents. 

I need your help in retrieving the insurance claim funds that were used to repair my property and my new mortgage company is not releasing them for me. There has to be something that can be done. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is a continuation of complaint XXXX. JP Morgan Chase has yet to resolve the issue. Their response to the initial complaint was false. I am being charged interest on a purchase enrolled in the 18 month zero percent interest ( Equal Pay Promo ) program. In XXXX XXXX I made a purchase from Amazon for {$900.00} and enrolled that purchase in the Equal Pay Promo requiring {$50.00} monthly payments. The XX/XX/XXXX billing statement XXXX XX/XX/XXXX due date ) reflected the program with Interest Savings Balance ( {$50.00} plus new purchases not enrolled in the program XXXX to avoid interest. The XX/XX/XXXX billing statement XXXX XX/XX/XXXX due date ) no longer showed the Equal Pay Promo and had a balance of {$2500.00} ( new purchases of {$2100.00} plus the remaining full balance of the Equal Pay Promo purchase. JP Morgan written and verbal response ( XXXX XXXX ext XXXX ) stated the XXXX purchase was still eligible and enrolled in the program. On XX/XX/XXXX XXXX promised to look into why the statement was not reflecting the terms of the program. I made the XX/XX/XXXX payment of the full new purchase balance plus {$50.00} for the Equal Pay Promo, and a little extra. I received the XXXX billing statement XXXX XX/XX/XXXX due date ) showing an interest charge. I contacted XXXX who waived the charge and said she was working with the credit card team for a resolution. The XXXX billing statement shows new purchased enrolled in the Equal Pay Promo, but has not reinstated the XXXX purchase in the program. I have spoken to XXXX numerous of times and she seems to be dependent of the credit card team business manager for a resolution. I will be making the XX/XX/XXXX payment ( full payment of new purchases not enrolled in the Equal Pay Promo, plus the {$50.00} for the XXXX purchase, and the {$35.00} for the XXXX purchases enrolled in the Equal Pay Promo ). Based on the previous month experience, I will likely incur interest charge because JP Morgan is not honoring the terms of the Equal Pay Promo for the XX/XX/XXXX purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
CFPB, I have been trying to get Binance US to remove a hold from my account for months now and they refuse to do so. The hold that was placed on my account to prevent me from trading, selling or buying cryptocurrency has been removed. The hold that was placed on my account to prevent me from withdrawing money from it is still in place. I would like to remove my cryptocurrency from Binances platform because I no longer trust the company and its business practices. 

Referral and User ID : XXXX XX/XX/2021 : {$600.00} ( refund duplicate withdrawn from checking acct ) Your deposit ( Order IDXXXX XXXX was successful. 

Back Story The issue started when Binance US withdrew unauthorized duplicate funds ( {$600.00} ) from my bank account on XX/XX/2021 and XX/XX/2021. In other words, on XX/XX/2021 and XX/XX/2021, I authorized Binance to withdraw {$600.00} from my bank account and Binance US deducted 2 x {$600.00}. If I hadnt reviewed my bank statement, Binance US would have taken a total of {$1200.00} ( {$600.00} x 2 ) from me. The first time Binance US took a duplicate unauthorized {$600.00} from my account, my bank refunded the duplicate amount on XX/XX/2021 and left the authorized {$600.00}. The second time Binance US took a duplicate unauthorized {$600.00} from my account, my bank refunded the duplicate unauthorized {$600.00} on XX/XX/2021, and also mistakenly refunded the authorized {$600.00} that Binance US was supposed to get. On both occasions, Binance didnt provide any support and my bank helped me out. Since then, Binance US has placed a hold on my account because of the {$600.00} that my bank mistakenly refunded while trying to refund money Binance US took from account. I offered to have Binance US take the owed {$600.00} from my account months ago but their support team resorted to locking up my funds and putting various restrictions on my account instead. Yesterday, Binance US finally withdrew {$600.00} from my account to cover the owed amount. There is no receipt of the transaction. I just know I had {$1000.00} on the account and {$600.00} mysteriously disappeared after I emailed their support team for the nth time to asked that they take the owed amount from my account balance. Instead of unlocking my account after taking the owed amount from it, Binance US is still holding my account hostage and refuses to unlock it so I can remove my funds. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acima is a furniture loan company of which I had a lain that was paid and closed in XX/XX/XXXX. 
The company reports to XXXX. 
The loan misreported my balance and payment activity and is currently reporting a late, closed charged off account as recent as XX/XX/XXXX. 
On a recorded line 3 representative attest to the fact that this was Misinformation and they dont understand why it is reporting that way. Call hurry representative said they were sending me a letter via email that I should receive in 3 to 5 business days from the conversation that will support the fact that the reporting to XXXX  was in accurate. 
I spoke to a representative during XXXX and two other representatives over the past week including today XX/XX/XXXX. The representative I spoke to today again said that she would resend the email. And I have yet to receive anything. 
The in accurate reporting has affected my credit worthiness and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: UT

Complaint narrative:
XXXX XXXX XXXX is violating my rights under FCRA section 605b, by reporting fraudulent transactions to the credit reporting agencies. They have report-XXXX, they are violating by reporting balances that were a result of fraud. Please remove all reporting of this business account from my credit reporting profiles immediately. Attached is the valid and active police report from the XXXX XXXX police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03 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: AES/PHEAA
State: NY

Complaint narrative:
1 Identity Theft US DEPT ED Account Number : XXXX**** This is not mine.

2. Identity Theft FEDLOAN Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with non-monetary relief