vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
Bright Lending says that they gave me a loan for {$800.00}. I did not request this and the monthly payment is {$250.00}. After receiving this information I called the company and they told me that the interest per day was {$14.00}. 

THey then told me that the percentage rate is 700 % and, since that loan was originatedd on XX/XX/XXXX, less than 30 days ago, I already owe {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
I am a XXXX XXXX  on BinanceUS and make several transactions on the platform. They have locked my account and will not allow me to withdraw money that has already been deposited in the amount of {$80000.00}. Recently, I received a request to provide more information from BinanceUS ' risk management team. The request was for information about employment, estimated net worth, W2 as well as a video showing a copy of my ID. After submitting this information, I was asked to submit a copy of my most recent tax return. I submitted this information and received a follow up request for my bank statements in the past 90 days. Needless to say, I am not applying for a mortgage, so I do not feel this information is important. As a result, I have not been able to withdraw my money and suffered substantial losses as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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:
On XX/XX/2020 I sent a letter regarding an accurate 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 2021-05-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX. XXXX : XXXX XXXX XXXX, XXXX, Va, XXXX number : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XXXX XXXX Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX.D.O.B. XX/XX/XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXXPhone number : XXXXEmail : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XX/XX/XXXXXX/XX/XXXX. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
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 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2021, I went to the Fifth Third Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX to open a checking account. I had an invitation code that gives me a {$250.00} welcome bonus. XXXX XXXX, the banker who opened the account for me, didn't use my invitation code and stated that she already has this offer in the system and will apply it to my account. 

When I went back home, I realized that she signed me up for the {$150.00} welcome bonus instead of the {$250.00} so I went back to the bank and this time I met with XXXX XXXX, the branch manager, he asked me to email him the invitation code, which I did. He reassured me that he will manually add the additional {$100.00} after I meet the requirements. 

On XX/XX/2021, I received an email from XXXX XXXX saying ; I am reaching out to inform you that we have submitted the adjustment for your {$250.00} bonus offer and it will be credited to your account after processing. 

On XX/XX/2021, only a {$150.00} bonus was posted to my account. On XX/XX/2021, I emailed XXXX XXXX to inquire about the additional {$100.00}. On XX/XX/2021 She replied ; I have been working on getting the other half of your bonus. I was told to submit another form for the correction and then you should see your {$100.00} in your account. 

It has been 6 weeks since the {$150.00} bonus posted to my account and I still didnt receive the additional {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, using old out date information to trash credit score in order to sell product. Also an issue of red lining for profit and higher interest rates. Experian is using out dated information of old debts paid. Several old bills that was paid over 4 years ago, one bill being a XXXX XXXX XXXX account that has been paid three times and removed from my credit report many time. Medical bills that a dispute was submitted. The company offered a boots program ( using monthly history ) only to tell me that I did not have anything they could use and offer me a payment type of program. Using outdated information and old disputed debts that where removed. Experian has trashed my credit score costing me thousands in interest rates and credit for my business. They also attached a old credit card that belongs to my daughter and added to my debt to reflect on my debt to income ratio stating that I was using 72 % of my credit, this is not true! I've been paying off my debt to refinance my home and now I can not get a fair interest rate due to this misinformation!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XX/XX/2019 was the bill datr. company Medical Revenue Services amount {$1600.00}. I paid the collections agency off with the promise it would notify the credit companies that the debit has been paid and the account is closed. Well that didn't happen and some credit companies show as current which is false. It is paid in full and there should not be anything still open or current. I am not doing any business with this company and my credit file needs to reflect that information.

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 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I have made several attempts to get the information and verification of an account with I.C SYSTEM, INC. with half the account number XXXX ( which is odd the whole account number is not listed, so how do you put that on my credit report ) verified that has been reporting to my credit report over the past 4 months. I have mailed several letters to the company, certified with return. The company refuses to send me the contract or any information on the account bearing my signature which is required by law, so I can compare that account towards my records, because I have no knowledge of the account. I have tried several times to dispute the account with all 3 major credit bureaus, and there not doing the investigation at all, there simply lying about doing that part. I would like a full investigation into the wrong doing.

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 2021-05-13 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 started my Binance.US account a couple months ago and tried to fund my account with ACH transfer. Your ACH transfer were glitching and the money went into my Binance.US account but never charged my bank. A week later my account is locked due to chargeback so I instantly Wire transfer way more money then I owed. For some reason you accept my money but wont let me take it out. Yall have my entire life savings locked up and havent responded to any tickets at all. Crypto is crashing and I cant do a thing about it. Sounds highly illegal. # XXXX is my LATEST ticket number. I can't come to terms with how you can keep someones hard earned money locked for months with no response as to why and just letting peoples accounts burn to the ground

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank issued a credit card without my consent, and they issued this credit card holding on a secure credit card deposit of {$500.00}, they failed to provide any proof of me requesting this credit card and they admit it was a mistake, they offered me a solution to close the secure CC which is my oldest credit card that I built my credit score on, and if I closed it I will have a huge negative impact my credit history score, I refuse to pay for their mistake by the effect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX of 2020, I contacted Chase Credit Card Services to pay off my credit card and close my account. After 9 years of on time payments, I asked if they could take some of the interest off that I had incurred the previous month. The company offered to take {$600.00} off the total amount and remove the debt from my credit score. I payed the new amount owed and closed my account, happy with the customer service I had received. 

Approximately 14 months later, it has come to my attention that Chase did not actually take {$600.00} off in interest for customer satisfaction but instead reported the account as " settled without paying in full ''. This caused my credit score to drop by 80 points and is unable to recover for 6 years. 

Furthermore, upon contacting the company they advised there was nothing that could be done due to me agreeing to a " settlement ''. I asked if I was provided anything in writing or verbally about the ramifications of settling, and they stated it is not there responsibility to inform customers that a settlement would be reported negatively on a credit score. 

I have attempted to pay back the {$600.00}, I thought was a courtesy, in order for them to report the account as being paid in full, but they are refusing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX.D.O.B. XX/XX/XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXXPhone number : XXXXEmail : XXXX XXXX XXXX ACC : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX ACC # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XXXX  XXXX. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
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 2021-05-13 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: CA

Complaint narrative:
I sent a dispute letter to XXXX  and Equifax about several inquiries that were not initiated by me. I ask for verification and validation of the information. I had an existing fraud alert on my credit report but still ended up with inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I HAVE BEEN A MEMBER WITH NAVY FEDERAL SINCE XX/XX/2019, I HAVE APPLIED FOR THERE CREDIT CARD, MORTGAGE PROGRAM, AUTO LOAN FINANCE AND ALL BEEN DENIED, MY MOST RECENT APPLICATION, I APPLIED FOR UNSECURED CREDIT CARD APPLICATION AND WAS DENIED, I HAVE HAD A SECURED CREDIT CARD PLUS 3 ACCOUNTS CHECKING SAVINGS AND BUSINESS ACCOUNT ALL IN GOOD STANDING, EACH TIME IVE BEEN DENIED FOR ONE OF THERE SERVICES I HAVE NEVER RECEIVED A DENIAL LETTER EXPLAINING WHY I HAVE SENT EMAILS TO THERE RECONSIDERATION DEPT XXXX EACH TIME, ILL RECEIVE A CALL FROM A REP, THAT JUST REINTERATES THE SAME SCRIPT THAT MY ACCOUNT IS REVIEWED EVERY MONTH AND THAT THERES NO SPECFIC TIME WHEN ILL BE CONSIDERED FOR AN INCREAE OR I SHOULD RECEIVE A LETTER IN THE MAIL WITH MORE DETAILS, IN ANY EVENT SINCE BECOMING A MEMBER MY CREDIT SCORE HAS IMPROVED TO OVER 700 BY WAY THROUGH THEIR APP, SO I ATTEMPTED AGAIN AND WAS DENIED AGAIN, AFTER REQUESTING PROOF OF INCOME, BY WAY I SENT IN MY RECENT PAYSTUBS YET THEY DENIED ME FOR UNABLE TO VERIFY INCOME TO WHICH I HAD TO CONTACT THEM TO FIND OUT WHY, WHEN I NEVER RECEIVED A LETTER, WHEN I SUBMITTED THE APPLICATION, I HAD TO SEND AN INQUIRY THROUGH THEIR MESSAGING SYSYTEM THROUGH THEIR ONLINE SYSYTEM, TO ASK, AN A REP RESPONDED THAT ITS BECAUSE THEY COULDNT VERIFY MY INCOME WHEN ASKED TO SUBIT MY TAX RETURNS, THERE WAS NO REQUEST OF MY TAX RETURNS THERE WAS A REQUEST FOR " PROOF OF INCOME '' WITH PAYSTUBS, TAX RETURNS BEING AN OPTION, YET THATA THE REASON THEY DENIED ME, FOR A VERY LONG TIME IVE BEEN SENSING IS A SENSE OF DISCRIMINTATION FROM THEIR UNDERWRITING DEPARTMENT AND I CAN NOT SEEM TO GET A DIRECT ANSWERS ON THESE DENIALS THAT MAKES SENSE, IN ADDITION, I ACCIDENTIAL REQUESTED AN OLD STATEMENT AND THEY SENT ME A MESSAGE SAYING UNABLE TO SEND THE STATEMENT UNTIL I CHANGE MY ADDRESS BUT YET SENT THE STATEMENT VIA XXXX XXXX AT THE SAME TIME, WHICH A CONTRADICTION OF THE COMMUNICATION, I SENSE THAT THESE REPS ARE NOT ON THE SAME PAGE, AND I FEEL THEY ARE NOT PRACTING LEGAL TACTICS UNDER CONSUMER LAWS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had a home mortgage with CIT Bank since XX/XX/XXXX. Recently i refinanced that loan and the loan amount with CIT bank was paid off on XX/XX/XXXX. At that time my loan had an escrow balance of {$7300.00} which I should be refunded. Since then i have been trying to call CIT bank and XXXX the servicing company used by CIT bank and have not been able to speak to a customer service representative to understand how i will get my escrow balance back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: GA

Complaint narrative:
Experian is reporting inaccurate names & addresses on my credit file

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 2021-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and several collection agencies continue to place this outdated paid by settlement colelction account on my credit reports. This debt should not be allowed to be purchased by collections agencies because it was paid in settlement and the date of first delinquency is too old to be reported to my credit report. The collections agencies keep changing the dates allowing the credit bureaus to keep it on my credit for longer than the allowed number of years. I have disputed this debt to all credit bureaus but they continue to say they investigate but the dates are correct but they are noted. You can tell by viewing very old credit reports that show these same depts under different collections agencies in prior years. The date to be removed date continues to change. This debt was paid in full by settlement and the date of the first delinquent is incorrect on my credit report. This account should be removed from my credit report first because the DOFD is older than 7 years and because this account was paid by the settlement to the collection agency. This Item was placed for collection in XX/XX/2004 and has remained on my credit since that time.

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 2021-05-13 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: SC

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
I refinanced my mortgage in 2007 with a subprime lender named XXXX XXXX XXXX. 
My loan was in the amount of {$75000.00}. It's is now 14 years later and only {$5000.00} has been applied to the principle. I had two loan modifications and never missed a payment that wasn't made up. I am current today. I asked for the amortization schedule because I have never received one. I was told by the loan servicing company that there was none in my file. What caught my attention is that I noticed that the princple payment is smaller than it was in 2007. I asked the company how my payments were being applied and what determined the payment applications and they said that the payments were being applied according to the amortization schedule that they don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation