vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I requested to transfer {$20.00} into my Binance.US account from XXXX XXXX XXXX XXXX and the transactions failed couple of times and you can see the Fail message in my transaction history. When I checked my account transactions with XXXX XXXX XXXX XXXX it shows that you guys took of {$20.00} five times. A total of {$100.00} but in my account its shows {$50.00}. I called community XXXX XXXX XXXX and they told me to reach out to you guys to get that reversed. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I filed bankruptcy under the bankruptcy laws of the United States, discharged in XX/XX/XXXX. In that bankruptcy was an account with XXXX XXXX. Since then I have been rebuilding my credit, paying all bills on time with no issues when I get an alert that XXXX XXXX reported my account in XX/XX/XXXX as a write off. Coincidentally they tried to collect from me 30 days ago when I reported to them I filed for bankruptcy. 

I disputed the line item with experian explaining this should have been included in bankruptcy protection - they responded by saying that XXXX XXXX confirmed it was a valid report - how can they do that? Anyone can clearly see the account was included in bankruptcy. 

Please help as this is a violation of my rights as a consumer and Experian is a joke. I called them - you can barely get through and then they gave me a number to call that just loops you right back. I tried to do their online chat, sat there for almost a hour then they say they are too busy right now.

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 2021-06-16 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
XX/XX/XXXXcredit starting out since XX/XX/XXXXin XXXX then XXXX XXXX XXXX was found Im correct 2 accounts XXXX was balance and over paid in XXXX XXXX never got refund from them but this company keeps reopening the credit as over limit late fees this is the 3 rd time for 2 account makes it 6 times pulling my score to XXXX my credit is horrible and now there are all kinds of thing on my report names address and multiple loans fraudulent accounts iv froze my credit nothing is working and XXXX has found my info correct and removes it but within 2 or 3 days its right back back in XX/XX/XXXXits debt thats not mine mortage loans pulled that is my exhusband and his wife were my birth certificate has been sent and they are applying for loans they went into bank and stole my XXXX cd 3 loans on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX in XX/XX/XXXXXXXX XXXX dollars and I have the documents signed by them and the bank which helped them do it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I feel that it is because of Associated Bank that I have been scammed out of {$1200.00}. I recently had a transaction I was involved in selling a piece of furniture. I received a check from a potential buyer, which I cashed. I had to send a payment to a mover which was to be from cash I had from cashing the check. I was told by the bank teller that it could take up to five business days for the check to clear and ensure the check was good. 
On the fourth business day after cashing the check, I called Associated Bank customer service line and spoke with XXXX, who informed me that the check had cleared. I specifically asked him to confirm it had cleared both banks, and he assured me it had. The fifth day, I called again and spoke with XXXX? who confirmed again that the check had cleared both banks. I then paid the mover with the cash. 
Two days later, I received an NSF notice, dated the same day that I had the phone confirmation with customer service. When I went to the bank and spoke with the branch manager, she was very nice but said that I should not count on customer service because they were not always good with communicating correct information. I should call a branch and speak to the manager in the future, because they are much more experienced. She sent my information to her fraud department, and nothing further was offered. 
If I had not been assured twice by two people at the bank that the check had cleared both banks, I would have never released the cash to the mover. Now I find myself out the {$1200.00} because I believed the Associated Bank customer service department. I asked the bank to check their recording of my calls to verify what I asked and what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS IS THE THIRD TIME I HAVE REQUESTED THE REMOVAL OF ALL INQURIES THAT DO NOT HAVE MY SIGNATURE AS STATE IN THE FCRA LAW??????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS IS THE THIRD TIME I HAVE REQUESTED THE REMOVAL OF ALL INQURIES THAT DO NOT HAVE MY SIGNATURE AS STATE IN THE FCRA LAW??????????????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent Experian a letter to remove a fraudulent inquiry XX/XX/2021 likely due to the XXXX XXXX data breach and Experian. I sent them the FTC report as well and they refuse the remove the inquiries. They are clearly reporting false information to creditors which is a violation of FCRA and also damaging my credit.

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 2021-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pulled my credit reports and noticed that the spelling of my name was incorrect. I've sent letters to have this information removed and updated to all 3 credit companies and only one responded and deleted some but not all incorrect info.

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 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I have attempted to apply for a home loan modification since about XX/XX/2020 through PHH Mortgage Services. Their process seems deliberately designed to frustrate and deny applicants the opportunity to obtain better financial terms on their mortgage. In order to accomplish the end result of not approval modification applications, they use painfully inefficient, unresponsive and disingenuous practices that altogether demonstrate fraudulent intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: MD

Complaint narrative:
I have been disputing with XXXX, Equifax, and XXXX  about the negative accounts on my report for over six months now. Some accounts are not mine, some are reporting wrong, and some are refreshing to try to stay on my report. I mailed out letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX disputing the incorrect items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. There are multiple accounts that are still reporting incorrectly on my report. I sent the first letters via certified mail so I knew when they received them. These are the tracking numbers from those letters sent on XX/XX/XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX ) It has been months without receiving a response or having any of the incorrect items removed from my reports. This is impacting my life, my job and my future, which XXXX, Equifax, and XXXX  have no regard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CT

Complaint narrative:
please review the following accounts that are reported on my credit report, without any authorization Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

. Identity Theft XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I reported unauthorized transactions to my Chime credit card account in the amount of {$1200.00}. I provided all documentation requirements as well as submited emails from merchant detailing the unauthorized use of my account. The company accepted one charge out of the ten as fraudulent and denied the rest of my claim. The company was supposed to issue documentation used in making their decision but failed to send anything to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally auto loans paid it off on XX/XX/2021 said i had to wait 10 days for the title and lean relese called monday the XXXX and the lady said i get in 2 day and now the lady said now 7 to ten day they are scamming the carbuyers they got there money and now they they dont care about sending the title

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC.
State: MD

Complaint narrative:
I previously was an XXXX  customer. Due to multiple better business bureau complaints XXXX told me that they will let me out of my contract if i returned the phones to an XXXX  XXXX store, which i did. Several months later i started getting contact from various collection agencies regarding the XXXX  account that i wasnt informed that i owed. Instead of continuing to argue with XXXX, I decided to include the XXXX  account in my bankruptcy. XXXX  was notified that the bankruptcy was filed. After they was notified they sold the account to AFNI. I have contacted AFNI on multiple occasions regarding this account. Once my bankruptcy was discharged i had to send AFNI my court documents proving that it was discharged. After receiving my files AFNI told me they closed the account. Then they started to harass me again. XXXX  blames afni and AFNI blames XXXX. AFNI told me on XX/XX/XXXX that it didnt matter that the account was discharged i need to pay it anyway. Another rep told me to go to XXXX. I spoke to XXXX  on XX/XX/XXXX Their rep XXXX XXXX told me AFNI needs to close the account. AFNI tells me i still have to pay although it has been discharged in bankruptcy, which is against federal law! The bankruptcy law states that no creditor can collect on any account that has been discharged due to bankruptcy. AFNI is a fraudulent collection agency! The government needs to shut them down. Instead of settlement in the fraudulent business practices case against AFNI the government should have shut them down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
We had a mtg with Seterus. They sold it to Mr. Cooper and we found out there were 33more years on th mtg. We already been paying for 7 years and we thought we had taken a 30 year mtg and also thought we had credit life. Neither of this was true. At our age I would never have signed a 40 year mtg. We tried to contact Seterus to no avail. I am tired of getting run over y companies. This is the 2nd complaint I have sent to you and no response from you either. Please let me know something. I await your response. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: MD

Complaint narrative:
I have been disputing with Transunion, XXXX, and XXXX  about the negative accounts on my report for over six months now. Some accounts are not mine, some are reporting wrong, and some are refreshing to try to stay on my report. I mailed out letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX disputing the incorrect items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. There are multiple accounts that are still reporting incorrectly on my report. I sent the first letters via certified mail so I knew when they received them. These are the tracking numbers from those letters sent on XX/XX/XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX / TransUnion XXXX XXXX XXXX XXXX XXXX ) It has been months without receiving a response or having any of the incorrect items removed from my reports. This is impacting my life, my job and my future, which XXXX, XXXX, and Transunion have no regard 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 2021-06-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Care Credit Card on XXXX-2021 and was approved for {$9200.00}. Using my current information for home and employment. The next day I looked online and now there is a block on my account. I called in and the customer service rep told me there is a block on my account for fraud. Mind you this is the next day after I applied for the card so there have been NO TRANSACTIONS on the account. She told me I have to mail in my drivers license and a utility bill to a PO Box address. This is a complete SCAM! I have never had Fraud in my name and there is no Fraud with this account. 

The same thing happened to my wife who applied for Care Credit a couple of months ago. She sent her documents to their PO Box and then they closed her account that had no transactions. There is no Fraud, the only Fraud is Synchrony Bank who has thousands of complaints online. The only reason people apply for Care Credit is because it is a medical credit card for medical procedures. Synchrony Bank is a FRAUD! They checked my credit and approved me for a card and then they block it claiming fraud? The CFPB needs to fully investigate this bank for their predatory lending practices.

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 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
On XX/XX/2021, Complete Credit Solutions reported an invalidated account to all 3 consumer reporting agencies which constitute fraud under both Federal and State laws pursuant to 15 U.S. Code 1692g ( b ). Complete Credit Solutions has not provided me with competent evidence that I have any legal obligation to pay. 

Due to this fact, and in accordance with 15 U.S. Code 1681n ( b ), XXXX XXXX XXXX is civilly liable, and I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

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 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
i was called an ask to give my bank info which i did an ended up having XXXX dollars taken out of my account an chase is not giving me anything back my account was hacked an i sent the info to the Government i would like chase to resolve my problem as im struggling to pay bills

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
please review the following accounts that are reported on my credit report, without any authorization Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft WFDS Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sonnenschein Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX  company. Called explaining that I no longer wanted the timeshare and to take it back or work with me on lowering maintenance fee. They were NOT willing to do that. Harassing me and threatening me with credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX, experian and XXXX  illegally reinserted without given a proper 5 day reinsertion letter.

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