vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 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: LoanCare, LLC
State: CA

Complaint narrative:
I am currently in a forbearance on my mortgage and my mortgage lender has been reporting mortgage lates on my credit, I am protected by the CARES act so the mortgage company can not report any lates on the account due to the forbearance. I have never been late on my mortgage previously to the forbearance, I requested LoanCare mortgage to correct the issue and they keep transferring me around and stating that they didn't receive the request even though I received a confirmation on the submission of the request. Please Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
How did you prove the bill belong to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
The company is reporting a collection account that they no longer own and have transferred back to the cable company XXXX. I called to settle two days ago and they can not even take a payment and refuse to remove it from my credit report even though I can't settle it with them. I have to go back to XXXX and they can't gurarantee that they'll communicate the paid in full status with Sunrise. I want the Sunrise Credit removed from my report. They do not have a collection account on 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 explanation
Consumer complaint received 2021-04-15 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: MI

Complaint narrative:
I had some questionable things on my credit report so I reached out to the appropriate channels to get them rectified. Noticed an incorrect Bankruptcy on my credit file, I contacted the Data Furnisher which was XXXX XXXX. Upon their investigation they determined the Bankruptcy on my credit file was inaccurate and they deleted it from my file. I reached out to the 3 credit bureaus to inform them that their " Source '' XXXX XXXX whom they claim is the data furnisher, has deleted the information they need to follow suite . Only XXXX did the right thing and deleted it. XXXX and Equifax sent back a letter stated that the Bankruptcy was VERIFIED though XXXX XXXX despite the account being deleted for inaccurate information. 

This proves that those two bureaus did NOT do an investigation, they automatically deemed it verified. If they would have did a legal investigation then they could not have possible verified this bankruptcy because it's no longer there on my consumer report where they claim to be getting the incorrect information from in the first place. Please help me get this removed as they should have done according to the FCRA. This is hindering my ability to borrow, I need a mortgage and am being hymned up by incorrect information that shouldn't even be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: DISCOVER BANK
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company is reporting a debt i do not owe them. i have asked for proof of validity of debt which they continue to report. they dont accept payment and wont remove credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint Is Erroneously Reporting 5 Commercial loans as personal conventional loans on my personal credit. These loans SHOULDNT be reporting on my personal credit. I have attempted to correct this issue with Shellpoint, and they have assured me that these loans will be deleted from my credit, but it has not been done. I received a letter from the compliance department substatiating that an error has been made, and that they will correct the error. They have corrected 1 loan, but continue to report 5 commercial loans ( please reference the 5 loan statements attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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
State: CA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months 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. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
SunTrust received funds deposited via check from another local bank on XX/XX/XXXX and XX/XX/2021. Funds from said deposited checks cleared within 1-2 days, yet SunTrust put an arbitrary two-week HOLD on the funds, preventing the owner of the funds from accessing them. 

As a result, multiple ACH transfers of those funds to a third party were denied by SunTrust. This resulted in significant fees from SunTrust and substantial financial consequences related to the third party entity that was expecting to receive the funds.

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 2021-04-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Macys, the Dept. Store of National Bank charged off a credit card account and assigned it to XXXX XXXXXXXX XXXX. I was told that after paying the Balance in Full that the account would be removed from my credit report. 

I've paid the Macy 's Store Credit Card off in XX/XX/2020 and the item will not go away and is still listed on my credit report. 

I've tried contacting someone to get this resolved but haven't received any feedback. 

I paid the balance in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TRUSTMARK CORPORATION
State: TN

Complaint narrative:
After reviewing all credit reports ; A closed checking account with TrustMark Bank with a charge off balance of {$1200.00} on XX/XX/17 appeared. THE ADDRESS ASSOCIATED WITH THE ACCOUNT REPORTED IS INCORRECT. The local branch in my area was made aware of these XXXXalse/ Fraud charges when I was initially made aware of this. Explained to a teller that I didn't have that type of money in my account at the time for that to be possible. I also did NOT give permission for any merchant to charge that account for {$1200.00}. The Teller stated there was nothing she could do and the fraud charge or balance of {$1200.00} was my fault. I did state I wanted the account closed and the balance removed due to Fraud ; an investigation was supposed to take place but its still on my report and preventing me from opening an account with my employers credit union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: IL

Complaint narrative:
A fraudulent account ( s ) has appeared on my personal 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 2021-04-15 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: NY

Complaint narrative:
I contacted the three consumer reporting agencies, XXXX, Transunion, and XXXX  and let them know I am a victim of the XXXX  data breach and my social security number was compromised. I am a victim of Identity theft. I didn't know at first so I only did the Identity theft affidavit. I got some letters from them saying that they couldn't block the information because I didn't provide an Identity theft Report. So I filed an Identity theft Report and sent one in certified and didn't get any response from them. This is not fair. There taking advantage of the law. I don't deserve this. How am I truly and identity theft victim and they choose not to help me. This is extremely unfair. I don't feel protected. I feel defamation of my character. My intent is to sue if Consumer Financial Protection Bureau can't help me. I have proof that they have my Identity theft affidavit on file so I will upload proof of that along with my Identity theft report, the notarized letters I sent them, My ID, My utility bill and that should be more than enough information for them to remove the accounts. No consent is Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: MI

Complaint narrative:
I had some questionable things on my credit report so I reached out to the appropriate channels to get them rectified. Noticed an incorrect Bankruptcy on my credit file, I contacted the Data Furnisher which was XXXX XXXX. Upon their investigation they determined the Bankruptcy on my credit file was inaccurate and they deleted it from my file. I reached out to the 3 credit bureaus to inform them that their " Source '' XXXX XXXX whom they claim is the data furnisher, has deleted the information they need to follow suite . Only XXXX  did the right thing and deleted it. Experian and XXXX sent back a letter stated that the Bankruptcy was VERIFIED though XXXX XXXX despite the account being deleted for inaccurate information. 

This proves that those two bureaus did NOT do an investigation, they automatically deemed it verified. If they would have did a legal investigation then they could not have possible verified this bankruptcy because it's no longer there on my consumer report where they claim to be getting the incorrect information from in the first place. Please help me get this removed as they should have done according to the FCRA. This is hindering my ability to borrow, I need a mortgage and am being hymned up by incorrect information that shouldn't even be there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
I am writing to file a complaint against Binance.XXXX Their official name and address are as follows : BAM Trading Services Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. 

Recently, Binance.XXXX has stopped allowing " withdrawals due to risk management. '' This has prevented customers from withdrawing assets to either sell them for cash or to transfer those assets to a more reliable exchange. 

The only ways to contact Binance.XXXX is via social media and by online ticketing system. They have no phone number to speak to a live person. Responses by the Company have been non-existent. 

If you look at their XXXX page, you will see that customers have been waiting for weeks and months to withdraw their funds. Some people depend on these funds ; hence why they invest in the first place. 

Binance.XXXX has not even sent out a blanket statement on what customers should do if they have this message. Everything is at the mercy of customer support and they are not reachable. 

I ask that you contact BinanceXXXX to have them allow customers to have total access to their assets without any further delay. Some customers have major payments they have to make and their funds are locked within the BinanceXXXX system without a care or explanation from the Company. 

Any quick assistance would be welcomed in this matter. Many of us who have been waited are worried as to what may happen with our assets. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am being forced, without my consent, into paperless statements. These predatory tactics are created to have consumers fail to pay credit card bills on time and get charged late fees. I do NOT have access to internet at all times, nor do I want to rely on " paperless '' statements. This is, at a minimum, unfair and predatory, if not illegal treatment of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I began the process to refinance my home with my existing lender, NewRez. It is now mid XX/XX/XXXX and the process is still pending. I continually check in with them and when they do respond I am told to look at their customer portal on their customer application or am told that they are waiting for documents that I was never made aware of. The customer portal on their app is no help as it is full of inaccuracies such as the estimated closing date being XXXX/XXXX/XXXX. I have made it a point to provide them with requested documents within 24hours of me learning about it but it seems the longer they take the more they need updated documents like paystubs and bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD Bank made unauthorized transfer of {$1500.00} from Saving to Checking that caused my account below {$20000.00}. Then, disqualified me to receive the sign up {$200.00} bonus. When I saw that transaction and the {$15.00} maintenance fee, I send message through the portal. They fixed it by refunded the {$15.00} maintenance fee and assured me that I was still qualified for the {$200.00} bonus on their message dated XX/XX/2020 XXXX attached ). On XX/XX/2020 Saving Statement, there were NONE of the {$1500.00} transfer that recorded ( also attached ). 

Now, through CFPB previous complaint, XXXX XXXX used that unauthorized transfer to disqualify me to receive the {$200.00} bonus. 

On the previous complain with CFPB, TD Bank used the {$19000.00} transfer from Checking to Saving as a reason to disqualify me to get the bonus. They said it was not new money - while the money came from XXXX XXXX for TD Checking and Saving that were opened at the same time ). Finally when they realized it was a weak argument, now they used unauthorized fraudulent transfer. 

Please have TD Bank send proof that the {$1500.00} transfer was really made by the Account Holder. Earlier on, I thought it was just a technical glitch. Unfortunately, it has been used to disqualify me to get the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: MI

Complaint narrative:
late payments for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX need to be deleted. payments are not late. see attached communication from XXXX XXXX to remove late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XX/XX/2021 was contacted by The company Current XXXX  in regards to unauthorized access to my current card account. Current advised me that someone was attempting to login in to my account from XXXX, Florida. Due to the fact that I have had no recent transaction nor transfer activity in the state of Florida. Current, wanted to alert me of the attempt. They advised me that the attempted had been blocked and my account was secure. 
On XX/XX/2021 upon receiving transaction notifications from Current. I saw where my direct deposit in the amount of {$410.00} posted to my account and was immediately transferred to an unknown account. I immediately reached out to Current support who initially stated that a dispute had been submitted for my case. On XX/XX/2021 I reached out to Current support for an update regarding my case.Considering, I had never received a confirmation email from the dispute department. Nor, any correspondence regarding the fraud that had taken place on my account I was advised that there was nothing they could do to further assist me. I would have to await for correspondence from the dispute department or pursue the investigation myself. As of today XX/XX/XXXX, I have still not received any updates nor assistance from current. In addition, I have just been made aware of another attempted withdrawal in the amount of {$260.00} at a XXXX XXXX in Minnesota. The transaction was only declined due to insufficient funds. It concerns me that Current has not put fraud preventive steps in place to protect my account after having already been notified of recent fraudulent activity. This is obvious fraud and they are unwilling to assist me an attempt to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX - XXXX - balance = {$1500.00} ... 
this debt was paid, must remove XXXX XXXX - XXXX - balance = {$240.00} this is not my debt, plus they are violating my consumer rights, illegal contacts, wrongful charges and never resided at that address. 

XXXX XXXX XXXX XXXX - XXXX - {$3200.00} I never received product from XXXX XXXX. there was a police report and I was told they was going to clear my balance to know this company is now violating my consumer rights as well. this must also be remove XXXX : these files are on my XXXX and they have giving me a hard time, the other bureau been took the off and can't understand why XXXX thinks this is my debt. This is clearly not me. They also need to cut me a check for violating my consumer rights ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Im currently working with a financial advisor in order to repair my credit. I saved up for months to be able to pay the debt and was under the impression it was already removed from my credit report considering I no longer owe them with that said the account is still reporting on my credit report and affecting me negatively despite all of my efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation