vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: THRIVE MORTGAGE, LLC
State: TX

Complaint narrative:
We entered into a construction loan On XX/XX/XXXX. The term of the loan was for 12 months in which we had to close into permanent conventional loan. We began the process to close on our permanent loan in XXXX. All of our obligations were met, but the company will not give a payoff for our loan to close because the builder is refusing to take his final draw on the account. The builder has been deceitful in his practice and through no fault of ours. We have been paying interest @ 7 % on a construction loan that will expire and be in default XX/XX/XXXX. We are more than capable of paying off this loan either through money wire transfer or through a conventional loan. By Thrive mortgage refusing to give us payoff they are forcing us into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: Chime Financial Inc
State: MN

Complaint narrative:
I called chime on XX/XX/XXXX. I told them that there were a bunch of fraudulent charges on my account. Not only did they not give my my money back but in the timeframe of the investigation they allowed another fraudulent charge to go through and allowed them to overdraft my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
The complaint is about TD bank and XXXX XXXX. On XX/XX/2020 XX/XX/XXXXand XXXX XXXX XXXX moved me out of XX/XX/XXXX to XXXX XX/XX/XXXX. After nine days I didn't hear anything from the moving companies. I called them to find out about my belongings I was told " they don't know when you're going to get your stuffs ''. I called the bank companies to put a stop on the payment. After a month they put the charge back into my accounts. Then two months later, the moving companies used again my account to get the money and the banks had sent me a letter to let me know that they reversed the charge in favor of the moving companies without my consent. 
Now the moving companies have the money and my belongings on hands. I present the case to you to see in order to get your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
We were supposed to have 12 months no interest then interest on the remainder of the balance after 12 months. After the 12 months expiration they charged the full interest on every purchase made with the card even with this COVID-19 situation. I was charged more than {$1000.00} interest, thats insane!!! They are just bunch of scammers, Ill contact my lawyer ASAP!! 
User 's recommendation : Dont get fool by XXXX XXXX. Pure liars and scam. 
Edit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I withdrew XXXX dollars from the XXXX atm machine at XXXX an I tried to take off XXXX dollars an before I could finish my transaction the atm machine took the money back before I even had a chances to grab it I have already filed a complaint an cash app has not responded an I sent them the documents they needed showings proof of my transaction an its been another 15 days an I havent got a response yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Center, LLC
State: NC

Complaint narrative:
The Credit Center Inc misrepresents the amount owed consistently. I see the amount on my credit reports, however, when I contact them regarding the debt, they state I owe a different, larger, amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
This issue is with my Bank of America credit card security and privacy. I have been divorced for a year and a half and have a Bank of America card in my name that my ex-husband transferred over to me after our divorce. I took his email off the contact information and put my email address on there instead as soon as he transferred the card to my name. I have been late with my credit card payments a few times within the last year and a half, only a couple days or a week late each time, and Bank of America has sent my ex an email instead of me to remind me to pay. He forwarded the emails to me, which was humiliating. I also checked my account online and found that his email " mysteriously '' re-appeared on my credit card account. I've called Bank of America customer service about this issue to ensure that his email is removed from my account, and checked online to see that this issue was resolved. Every time that I checked online, his email " mysteriously '' re-appeared as the primary email address, instead of mine. Twice in the last year and a half, I called Bank of America customer service to make sure that MY email address was on the account ONLY as the primary email address and was assured that it was. So, why was my ex getting these late payment emails? This last time, Friday, XX/XX/XXXX, I received the attached email from my ex-husband. I called the Bank of America customer service line. The first associate assured me that my email was the only email on the account, told me she was transferring me to technical service to assist me further, and then disconnected the call. I called back. The second associate told me my ex-husband 's email was the primary email on the account, and mine was secondary. He or she connected me to technical service. This technical service associate removed my ex-husband 's email from the account. I then told her to close my Bank of America credit card account. I didn't know if this would help with the privacy issue or not. Saturday, XX/XX/XXXX, I checked my online account, and found my ex-husband 's email was back on my Bank of America credit card account as the primary email. Mine was listed as the secondary email. I have attached these screenshots, as well. I called Bank of America customer service again and demanded to talk to a supervisor. I was told that the one supervisor working the shift was in a meeting. I demanded that the supervisor call me back. The supervisor never called me back. I have signed up for free legal aid through my work and will be pursuing legal action against Bank of America in XXXX for XXXX  XXXX, but I am also contacting you - since if they're doing this to me, they are likely doing this to other people, as well.

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 2020-11-22 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: LA

Complaint narrative:
I have aXX/XX/XXXX account showing on my credit report that does not belong to me. I have disputed this multiple times and the credit reporting agencies says this account has been verified as an accurate charge off account. I DO NOT UNDERSTAND how this can be verfied as accurate. I contacted the original merchant from the phone number listed on my report but they have no information to help me either. How can the credit reporting company validate something that is not mine and prevent me from trying to resolve matters on my credit profile. This has been going on way to long and I want this account deleted from my credit report.

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 2020-11-22 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit Acceptance Corp. listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: LA

Complaint narrative:
I have a XX/XX/XXXX account showing on my credit report that does not belong to me. I have disputed this multiple times and the credit reporting agencies says this account has been verified as an accurate charge off account. I DO NOT UNDERSTAND how this can be verfied as accurate. I contacted the original merchant from the phone number listed on my report but they have no information to help me either. How can the credit reporting company validate something that is not mine and prevent me from trying to resolve matters on my credit profile. This has been going on way to long and I want this account deleted from my credit report.

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 2020-11-22 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: LA

Complaint narrative:
I have a XX/XX/XXXX account showing on my credit report that does not belong to me. I have disputed this multiple times and the credit reporting agencies says this account has been verified as an accurate charge off account. I DO NOT UNDERSTAND how this can be verfied as accurate. I contacted the original merchant from the phone number listed on my report but they have no information to help me either. How can the credit reporting company validate something that is not mine and prevent me from trying to resolve matters on my credit profile. This has been going on way to long and I want this account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: IN

Complaint narrative:
In the summer of 2020, around XXXX of 2020 I lost my debit card for my Chime checking account. I didnt know I lost it and had been using it as an account that I can save money in. Apparently someone was using my debit card and committing fraud on my account. When I went to see how much money was saved I saw my account balance was low and had found many charges on my account within a 2 week period had been charged in my account. I immediately called chime bank and told them of this. I was never credited the money back and was told that because it was used at places that were not over 100 miles away and that money was coming and going and thats normal that I wouldnt receive my funds back. I sent them information proving I was out of state during these transactions and they still will not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions betweenXX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: OH

Complaint narrative:
XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX, I received a notification from all three credit bureaus that Capital One had reported that my credit card payment for XXXX was considered 30 days late. However, this was not the case. I never missed a payment. I contacted Capital One on several occasions and was sent to several departments, all of which could not see the delinquency ( late payment ) on my account. They all confirmed that my account has been current in its whole existence. They said I could just dispute it to the credit bureaus and it would be fine. 

However, I have disputed it to all three and all three bureaus have said that the information sent to them by their data furnisher is accurate. Now my only option is for Capital One to figure out what's going on on their end. My credit score has dropped a considerable number, this is my ONLY missed payment across MANY accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22 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: FL

Complaint narrative:
I disputed with the Experian and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

XXXX Acct XXXX XXXX responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

XX/XX/XXXXXX/XX/XXXX XXXX Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with Experian and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.

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 2020-11-22 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: Coinbase, Inc.
State: VA

Complaint narrative:
Coinbase.com unable to verify wallet after XXXX disabled my email and I changed my number after relocating. Balance is visible and funds unavailable still 2 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
first i enter my information stuff like my first name, middle name, last name, address, zip code, and my email address and i then i put some of the pay number that i want for my self and i went to get my code from capital one to XXXX XXXX to put it on home phone number but i didn't got the code on my home phone and i want to see what is my code from capital one to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed with the XXXX and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

XXXX Acct XXXX XXXX responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

Capital One Bank NA Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with XXXX and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I disputed with the XXXX and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Macys Acct XXXX Macys responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

XXXX XXXX XXXX XXXX Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with XXXX and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.

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