vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: COMMERCE BANK
State: UT

Complaint narrative:
My complaint is in regards to unfair credit reporting practices and retaliation for complaining to the bank and credit reporting agency about it. 

As of XX/XX/XXXX statement I had a balance of {$1900.00} with a credit line of {$2000.00}. On XX/XX/XXXX I made a payment of {$750.00}. Sometime between XX/XX/XXXX & XXXX they reduced my credit line to {$1200.00}, leaving approx {$5.00} available. On XXXX they charged me interest of {$23.00}, causing the account to go over the limit and reported it to the credit bureau causing a negative mark, when all I did was make a big payment. On XXXX I paid the account in full and filed a complaint with the bank. I have not heard back from the bank about my complaint as of today ( XXXX ) like I was told i would and it appears they certainly reviewed my account and once again, reduced the credit line down to {$500.00} on XX/XX/XXXX. Seems to me they are retaliating against me because I filed a complaint in regards to the unfair practices and they also haven't even acknowledged the complaint or negative marks I received on my credit report because of THEIR actions. I find this very unfair beacaue all I did was make a large payment which they took advantage of by reducing my credit line and then gave me negative marks on my credit for it. I've recently disputed this through the credit reporting agency also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I currently have 2 accounts with MCM ( Midland Credit Management ). Both accounts should have been covered by the XXXX coverage. I have written several letters to them but I can only assume that MCM has not received them which is their typical response when they dont feel like entering information. I would have been more than happy to consider resolving this account if a certain employer hadnt fired me while I was on long term leave. I have had several accounts with this company, which most have been resolved. As a PREVIOUS debt collector, I cant say I understand, because nobody actually understands, but I can only sympathize with the other collectors while they have probably heard every story under the sun on why someone can not pay their debt. Im 100 % positive if the HR department of MCM looks back on some of their records they would realize why I am unable to pay this debt. One of these accounts has been in the system for a couple years and should have a cease on the account, which is the account I have written about not being able to pay due to lack of income ( I wonder why? Hmmm ) the second account is a new account, which while I understand this one isnt MCMs fault, this should have been resolved by the actual creditor per the agreement of the XXXX insurance which I had paid every month. I would also like to request that certain employees dont go behind my back and talk about me, because Im 100 % sure that will happen too once they see my name pop up on the complaints. Anyways, Im requesting that these accounts are removed. I wont say immediate because I know things dont move quickly around there.. but eventually, maybe 30-60 days is reasonable to me. While I understand that one of the accounts is marked as a cease, Im requesting that the accounts are marked as a do not call, for EVERY number listed on the account. You may contact me through the mail. Since Im unable to include the account numbers in this complaint here I have attached the documents so whoever handles the complaints can find me accounts in the easiest way possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
there are two dismissed bakruptcies on my credit reports with XXXX  equifax and XXXX  that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: IL

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit file and 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 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter in the mail on XX/XX/21 stating that I was denied a Best Buy Credit card after applying for one. The reason was because a social security number that was provided did not match the social security number on credit bureau report. I had not applied for a credit card recently and have never applied for a Best Buy one. I had contacted XXXX about this matter and they told me my next steps to take were to report fraud via FTC.gov.

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 2021-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I was reviewing my credit report and noticed a few late payments. my account is in good standing and I will like to ask for forgiveness for the late payments. having late payments on the account is stopping me from obtaining credit. can you please help me out please .the account # is XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I received my stimulus check to my Current account and I tried to transfer XXXX dollars to my XXXX account because of having issues with being able to connect to my current account. They took the money off my account but never sent it to my XXXX account. I contacted customer service numerous times and then finally was told that my funds had been reversed and the very same day my money was sent person to person to XXXX only knows who and they won't tell me who instead they told me that I can't ever get my money back and closed my account. I need my money. I don't have any other money and someone in their customer support department stole mine. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: MO

Complaint narrative:
On XX/XX/2021, I opened an account with Binance US, an app based crypto exchange. I began funding the account with a combination of debit card purchases and an ACH transfer. Unfortunately, one of the ACH transfers was returned on XX/XX/2021. Binance then blocked my ability to process all transactions, including access to my fully processed and funded balance apx {$8000.00}. On XX/XX/2021, I deposited enough to cover my chargeback and Binance immediately withdrew this money ( no email, no notice and no record on transaction history of the withdrawal. As of XX/XX/2021, my account is still fully blocked and after submitting multiple tickets through their ONLY service option, I have received no response of any kind. As of today, they have held collected funds well beyond their standard hold periods of 5 days for debit cards and 10 days for ACH deposits. I am also unable to make trades within my account. This has caused a great deal of financial loss, as the crypto market fluctuates greatly each day and I am unable to adjust my portfolio. I estimate thousands of dollars have been lost and now my {$8000.00} is stolen/held outside of any reg CC, company disclosure or other legal guidelines for funds availability in the US. Turning to social media, there are hundreds of complaints that are identical and even worse than my scenario, including many claiming Binance has liquidity issues and is intentionally freezing peoples available funds for their own gain. Resolution would be to release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: TN

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Lendmark Financial Services
State: SC

Complaint narrative:
A 2nd mortgage was taken out in XXXX at lendmark financial. Sold to XXXX XXXX XXXX which paid off lendmark. They never released the lien from my title & now I'm refinancing & they won't get me the release paperwork to clear the title so I can close on refinance. I called XX/XX/XXXX ... said they would check on it. Today XX/XX/XXXX I called back they just put in work order when I called today. Simply not doing their job for years.. now i can't close on new loan due to them ( lendmark financial ) not doing their job in the first place. Ridiculous business practices & no one knows anything ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE
State: IL

Complaint narrative:
I originally refinanced with American Internet Mortgage Inc. towards the end of XXXX. The appraisal I got at that time was {$240000.00}, which will be relevant for later. 

Since that time, my issues have compounded throughout my experience with American Internet Mortgage Inc.

Last year ( XXXX ) I went through the refinance process again with this company to get a lower rate. My loan officer very unfortunately got XXXX and never followed up and the refinance did not close. 

I later followed up and tried to refinance again ( early XXXX at this point ). Towards the end of that process, I posed the hypothetical question of " if I wanted to rent my apartment in the first year of the mortgage, is that something the company is usually willing to sign off on? '' This was due to my wife becoming pregnant and wanting to explore the possibility of moving into a larger unit. I got a call back ( after I had wired the money to fund and after the loan close date ) saying they weren't going to go through with my refinance ... How is that even possible if the loan was supposed to have already been closed ...? This is not to mention that had my initial refinance in XXXX closed, I would have already been coming up on a year in my unit, and this would not have been an issue. 

Fast-forward to today and I am trying to cancel my PMI. During my refinance process, I received an appraisal of {$270000.00}. The appraisal on my initial mortgage issued through American Internet Mortgage Inc. was for {$240000.00}. Despite the company telling me the appraisal lasted up to 1 year for refinances, they are telling me that the appraisal only lasts 90-120 days ( I forget which one ) for determining value to remove PMI. They are trying to force me to pay to have it appraised, yet again, in order to determine that the property is still worth no less than {$240000.00}. I would have to pay my mortgage down to 78 % of the {$240000.00} despite receiving an appraisal of {$270000.00} from the same company ( and literally the same appraiser ) less than a year ago. 

This issue is further exacerbated by the fact that they tell me that the department that deals with PMI within their company is not consumer facing, so I can not debate this fact with the very people who are supposed to be making the decision. I am told that I need to speak with customer service, who just repeats the same script over and over again and has left me on hold for upwards of half an hour at a time. 

I have been thrown through hoops by this company and every single thing they have done to me is immoral and I question its legality.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for the Chase Freedom Flex credit card because marketing said the card gets 5 % cashback on travel-related purchases. Actually, 5 % cashback only applies to travel-related purchases bought with Chase rewards points, not with credit card itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
Sometime on XX/XX/ 2020, when I pulled my credit report, I found out multiple inquiries on my credit report that I did not recognize. I found also some accounts that I did not recognize. I only started to work on my credit report a few months ago, some accounts that did not belong to me already came off my credit report, unfortunately, I am still dealing with some. I recently received a collection letter from MRS BPO , LLC trying to collect on an alleged debt that I do not recognize, the debt is not mine and I have no other reason but to believe that I am a victim of Identity Theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I sent a debt validation letter requesting the complete accounting and evidence of the alleged debts to ARS Account Resolution Services on XX/XX/ 2021 for account numbers # XXXX and # XXXX ( letter is attached ). ARS did not provide a complete accounting and evidence of the debt ( letter is attached ). I demand they delete the accounts because they are reducing my credit score and are unable to validate the debt. They are causing me to pay higher interest rates for a debt they can not validate. If they do not remove these accounts, I will have to sue them under the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are two dismissed bakruptcies on my credit reports with XX/XX/XXXX XXXX and experian that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In response to CFPB complaint XXXX PORTFOLIO RECOVERY ASSOCIATES a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from XXXX XXXX  XXXX XXXX which is a direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). Portfolio Recovery Associates has been contacted by certified mail and have not once provided the information proving I am contracted to pay them an alleged debt of {$840.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Portfolio Recovery Associates has complied with none of this statute. The attached correspondence sent with their CFPB response from XXXX XXXX  was a document from the original creditor that was sent to an address that does XXXX never belonged to me stating that the debt was sold to Portfolio Recovery Associates. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with XXXX XXXX  XXXX. XXXX XXXX  XXXX. gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to PORTFOLIO RECOVERY ASSOCIATES or XXXX XXXX  XXXX. Portfolio Recovery Associates was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer. Portfolio Recovery associates continues to knowingly and willfully violate my rights as a federally protected consumer. Once again Portfolio Recovery Associates debt claims are refuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CO

Complaint narrative:
I am seeing that the credit bureaus are reporting incorrect information on my credit report in the form of 2 incorrect addresses that should not be on my credit report. I have tried on several occasions to get them to remove this information and to correct it but they refuse to do so. 

XXXX XXXX XXXX  XXXX in XXXX, FL. ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** XXXX XXXX XXXX, XXXX XXXX SC XXXX ****IS NOT MY CURRENT ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORTS IMMEDIATELY****** You are only to report CURRENT Up to date information and you are not doing so. 

Employment Status should be reported as : XXXX XXXX XX/XX/XXXX ***Please update the correct wording to reflect what I do professionally******

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO

Complaint narrative:
Cardinal Financial Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX claims that : we, XXXX and XXXX XXXX attempted to obtain a loan from them on XX/XX/XXXX XXXX. We have never heard of this company and we own our property outright - so why would we ask for a loan?? They say that that they issued a loan : XXXX but then denied it for various reasons. I think they are phishing and trying to get us to give them missing information on the supposed application. We are targets because we are XXXX years old. Hopefully, they have not tried to get our credit scores from XXXX, XXXX  and XXXX, as they claim. They list a silly figure for each of those agencies, namely XXXX. This is a fraudulent company.

Company response to consumer: Closed with explanation