vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 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 contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and 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 2021-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I went to bank of America and went to the atm as I missed them and they where closed I took XXXX out of my savings account and was charged XXXX for doing so this is my money not there's never said ok u can take my money I'm sooo XXXX it's not funny don't want to go down there and cause a scene cause I'll b arrested not sure what I can do I saved the soup slip i can't believe they are able to get away wt this my name is XXXX XXXX email address is XXXX XXXX help me!!!!!!!

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
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : 01 XXXX ) account numberXXXX Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In 2019, I started getting statements from for my AMAZON Chase credit card that showed many monthly charges with what looked to be membership accounts. They were refunding them but they never clarified what they were. I had files on my computer that appeared to be a business of some sort and a website in my name that could have been linked to this. I want to know what those charges were. In addition, I am separated from my husband going through a divorce. I asked for a new credit card number and now I have three ( the most recent being the one I asked not to be associated with ). The one I asked not to have ends in XXXX. The other two are XXXX and XXXX. Please see attached statements and their confusing letter. The customer service is very confusing. I returned a counterfeit print cartridge to XXXX XXXX ( as directed on XXXX 's site ). They put the money as a credit for XXXX  instead of returning the money to my credit card. Chase mailed me a letter stating they refused to put the money on my card but my statement shows they did refund me the {$61.00}. Who made the {$61.00} payment on my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avantus, LLC
State: NJ

Complaint narrative:
AVANTUS LLC - Mortgage Reporters Inquiry Date XX/XX/2020 I tried to reach out to this company several times by phone, and email to get this removed from my credit report. I do not recognize this and did not authorize this credit inquiry. This company has very poor customer service or communication regarding this matter. I had no other choice but to contact CFPB to get this taken care of. I have been trying for several months with this company but they do not cooperate. They didn't even give me any documentation or paperwork showing any proof of this inquiry being authorized by me. Please have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NJ

Complaint narrative:
CREDO - Mortgage Reporters Inquiry Date XX/XX/2020 Hello, This company placed an credit inquiry on my account that I did not authorize and I do not recognize. I tried to contact them several time but this company has been completely non responsive, I reached out to them by mail phone and email but I have not received any response. They are not giving me any information about this inquiry and I need assistance to remove it

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 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
This involves a company called Binance.us which is an online exchange for buying cryptocurrencies ( similar to Bitcoin ). Before buying these currencies ( such as Ethereum ), your have to fund your account with US dollars. I was not able to send money to my account with Binance.us from my XXXX XXXX  account- XXXX XXXX in XXXX MD because Binance 's wiring instructions was not working and also improper. For example, the beneficiary of a wire to Binance was a company named XXXX XXXX and not myself or my name ( which it should be ). i tried three times in XX/XX/XXXX to send money to this account and it never worked. A fourth attempt was made on XX/XX/XXXX to send a {$4000.00} money order to them and after two months of not being credited, the money order was returned to me is a letter from XXXX XXXX and XXXX XXXX on a letterhead which looks suspicious and not an authentic company and not a company related to Binance.us. A copy of the letter is attached with the phony, inauthentic letterhead. The problem since XX/XX/XXXX is that XXXX XXXX tried to debit my XXXX XXXX  account 4 times {$20.00} or {$80.00} for failed funding attempts and XXXX XXXX  dismissed and credited those charges because they knew they were false. After that, Binance.us froze my account with them until I paid the {$80.00} in false charges. It has caused a lot of stress for me not able to access my account which Binance has no right to do. They said they would unlock my account when I move {$80.00} into my account to pay these false fees. I can not move the {$80.00} into my Binance.us account because my account is locked. Binance.us appears to go along with this wrongful control because they want to keep the balance in my account elevated even though they are not a secure long term storage wallet. Binance.us should be regulated more like a bank and also they don't provide direct telephone support or even direct email support and never get around to taking care of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc.
State: MI

Complaint narrative:
Back in XXXX, XXXX my prepaid card had a negative balance of over {$330.00}. My card is the XXXX XXXX XXXX  by ADP. It is a Visa card. I started a dispute back in XXXX, ad the charge for the room at the XXXX XXXX in XXXX XXXX, MI was unauthorized. The card was to be used for incidentals only, of which I had none. I paid cash for the room, and provided ADP with the receipt showing this. 

I was told about 3 weeks ago I had to re open the claim as there was a note on my file regarding this, but the claim was never formally started due to a staff error. This is not my fault not is it my problem. The claim was re-started at the beginning of XXXX. I emailed all my proofs to ADP. 

I received a 1 page dispute form in the mail 5 days AFTER the due date. There were instructions to fill out the 5 pages that were " enclosed. '' The only document enclosed was a cut off cover letter. 

ADP is purposefully avoiding doing their job and investigating this dispute. It had been almost 6 months and my dispute has not been resolved after showing proof that I paid cash for the room and the charge was not authorized. 

I am getting ready to take ADP to court and ask for a Writ of Mandamus to compel them to perform their duty to investigate as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This company is awful. Ever since XXXX sold my mortgage to this company, they have caused me nothing but pain and frustration. This time is unacceptable. 

XX/XX/XXXX - I made an additional payment of {$1000.00} toward the principal. 
XX/XX/XXXX - 7 individual {$1000.00} unauthorized payments were withdrawn by Mr. Cooper. As a result, I got 7 NSF fees at {$34.00} each. 
XX/XX/XXXX - I called Mr. Cooper to complain. They said they are working on the error to reverse the charges and should resolve the payment reversal on the same day. 
XX/XX/XXXX - By the end of the day, only 3 of the 7 payments were cleared the bank and the payment reversal were done the same day. 
XX/XX/XXXX - Finally got my NSF fees back. 
XX/XX/XXXX - I found out 4 more unauthorized {$1000.00} were withdrawn from my account again, and 4 more NSF fees were charged by my bank. I called Mr. Cooper again and they said they will work on it. They initially said those problems were fixed on XX/XX/XXXX. I told them this is not about XX/XX/XXXX, this is the problem they took out of my bank AGAIN on XX/XX/XXXX. They were clueless and said they will look into it if I send them an email with a snapshot of my bank statement and they will fix it immediately. No apologies were given. 

Until this day, XXXX, no money was returned to my bank. And because my bank was overdrawn due to their unauthorized payments, I don't have access to the money I had in the bank anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: ND

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
Binance US charged me twice back in XXXX when purchasing their BNB token. Two charges of XXXX dollars, so I contacted my bank and had them reverse one of them. A week later my account was disabled, and funds frozen on their platform. I finally got in touch with someone after three weeks, and it took another two to resolve my initial issue : getting my account enabled to make purchases again. However, to enable my account, I had to deposit the same XXXX dollars that was reversed by my bank. THIS MEANS I AM STILL OUT XXXX DOLLARS. the customer representatives XXXX XXXX XXXX have not been responsive when being asked where my " precredit '' is, a term they mentioned before disappearing. I am owed XXXX dollars by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: NM

Complaint narrative:
Experian is reporting that I am affected by any natural or declared disaster. I have asked that this statement be removed from my account. 

I have asked for my own personal statement be added to the credit report Experian has refused. 

I have asked Experian for the documentation of investigations into disputed accounts reported. Experian has refused. I have not received any information or documentation on how disputes were conducted and how the results were determined. 

I am not and have not asked for a reinvestigation or investigation of any kind on any account in the credit report by Experian. This is an ongoing and continuous refusal of Experian to provide requested information and add personal statement. 

XXXX XXXX  XXXX XXXX company is wrong for reporting affected by natual disaster- I have contested this account on credit report for over 3 years. I do not owe The XXXX XXXX XXXX or the alleged originator of the collection. This statement constitutes fraud in reporting. )

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 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, my name is XXXX and I have a PayPal account, made with this email ( XXXX ). On XXXX XXXX I got an email, notifying me that PayPal are initiating closure of my PayPal account ( Ref ID - XXXX ) and blocking my $ XXXX balance, because I amin violation ofPayPal 's Acceptable Use Policy.I sell XXXX Accounts and in XX/XX/2020 I've got another limitation by PayPal XXXX and they asked me to explain my business and where the money are coming from ( RefID XXXX ). In that case I explained everything about my business and where the money are coming from and PayPal had been restored my account, without telling me that I amin violation ofPayPal 's Acceptable Use Policyor that I have to stop my business. Since then, all I did was to continue my business and buy or sell accounts, like I did before. I didn't change anything in the way I do business and I didn't change the source of the income. Whether I bought or I sold a virtual product ( XXXX accounts in my case ), I did it using this PayPal account, and all my transactions show that I am not sellingstolen virtual goods. I am not sure if this is some mistake as I assume it has to be, or some automatically process.I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: MA

Complaint narrative:
I apparently have an Experian account. The account number is XXXX. I am unable to give my last address for the experian account to close the account as I have changed addresses frequently. I cant recover my password without knowing which address. I do not want this service, I dont even remember ordering it. Please have experian close this account. I have been trying to close for several months.

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 2021-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I was told if I opened a XXXX credit card that I could get a XXXXmonth no finance charge promotion plan on a purchase for XXXX, so I opened the credit card. On XX/XX/XXXX I called Comenity bank and spoke to an agent and requested auto-pay for 12 payments to be paid off by the promotion expiration date. 
My XXXX statement showed the final payment for XX/XX/XXXX was never made and the accrued finance charges of XXXX and a late fee of XXXX were charged and the balance of XXXX. I called Comenity Bank to find out why the last payment was not made and why the charges were assessed. I spoke to an agent, which then escalated the call to another agent. I told the agent that the account was supposed to be set-up for 12 auto-pays by the agent on XX/XX/XXXX. She then put me on a brief hold, then returned to the call and said she would take off the finance fees and late fees and I only owed the balance of XXXX, which she then took the payment from me over the phone. 
On XX/XX/XXXX I received a credit alert that my credit score fell from XXXX to XXXX because Comenity Bank reported late payments. I made a written dispute and they said because the statements explained the promotional balance was due by XX/XX/XXXX and it was not paid by then I owe the money. I am being charged monthly finance charges on a finance charge. 
I feel this was a scam by the company. Have customer open up credit card with promo plan. Only set-up customer up for 11 equal auto-pays, not 12. So when the 12 payment is not made, they are charged the accrued XXXXmonth interest at 29.99 %. The dispute letter states they did an investigation but they are taking no responsibility for their agents actions on both phone calls I made to Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-02 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
Me and my wife had to file bankruptsy and upon discharge we made every payment and paid the required fee over {$3500.00} to reinstate the right to catch up and resume payments upon discharge of Chapter XXXX. But Guild Mortgage states we are 116 days behind, therefore breached the federal bankruptsy protection laws. We done everything we were instructed to do as consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Please re-open Case # XXXX. It is not closed. XXXX is unethical and possibly violating privacy laws on state ( CT ) and federal levels. Please share my complaint publicly if TU does not provide solid results, explanations and apologies for their role as a seller of my private info and/or enabler of private info theft. 

Every USA consumer has the right to know about how callously and nonchalantly XXXX treats their personal and private information. They have the right to seek out discrepancies in XXXX reports that might be causing them harm in their credit score and hence equality of access to credit. 

Thank you CFPB!

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