vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED MORTGAGE CORP
State: CA

Complaint narrative:
United Mortgage Corp. sent me a letter about my tax bill dated in XXXX, but I didnt receive it until the end of XXXX. I contacted the company on the XXXX of XXXX and was asked to email them my tax bill. I emailed them my tax bill and told them the XXXX payment was not paid and XXXX payment was going to be late on the XXXX of XXXX if not paid. The lady told me that since it was already delinquent that they would pay it right away. I waited for a week or so and checked my tax bill and it hadnt been paid yet so I called the company again and they escalated it this time saying it would be taken care by the XXXX of XXXX. I checked my tax bill again today and it still hasnt been paid. I contacted the company again and they said that they were going to escalated it again and follow up with it this time. They then told me that it could take up to another week for the bill to be paid because they have to over night them a check that they could not wire the money for the tax bill. I have almost XXXX dollars in my escrow account to pay my property tax bill and my homeowners insurance. My tax bill is over XXXX dollars now because of late penalties occurred due to being late. I just want them to pay my tax bill like they are supposed to. That is why I have the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently wrote you on XX/XX/2021 in regards to erroneous items on my report and I have yet to here back from you. It's been well over the 30 days, and as stated in Section 611 ( a ) of the FCRA, failure to investigate disputed items within 30 days leads to deletion of items. I'm looking forward to these disputed items to be deleted immediately or I plan to file litigation for the XXXX that's been caused against me. My information was also impacted by the Equifax Data breach, and may have got into the wrong hands and person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: OH

Complaint narrative:
The credit bureau is incorrectly reporting personal information and unverified and inaccurate accounts and have failed to provide proof of updated information nor delete the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: FL

Complaint narrative:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to Chase via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Chase has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: E*TRADE BANK
State: WA

Complaint narrative:
Etrade Brokerage  refuses to refund my deposited funds. I will attach a letter with all the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: AZ

Complaint narrative:
Since XX/XX/2020, Equifax has stated that my Date of Birth as they alone have, is verified. I want to know The procedure to determine this DoB? Who exactly provided this information? As after 4 certified mailing sent with all required documents, I still can not log into or use phone tree as my SS # and DoB do not match. I really am only asking, who with exact details, is disclosing this information. The only answer I get after repeated request XXXX by my consumer rights ) is how did equifax determine their accuracy? Who exactly provided this information? 
COMPLAINT ID XXXX After the above, I still only receive an answer of " no exact details. '' I want exact details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THIS IS AN UNIQUE PROBLEM I HAVE TRIED TO GET THIS RESOLVED WITH THE CREDIT AGENCIES, BUT THEY REFUSE TO REMOVE THE BANKRUPTCY FROM MY REPORT. I FILED ON XX/XX/2019 AND HAD IT DISMISSED ON XX/XX/2019. CASE NUMBER XXXX. MY CASE NEVER WENT THROUGH THE FULL PROCESS, I FEEL THAT I SHOULD NOT BE PENALIZED BY HAVING THIS REMAIN ON MY CREDIT REPORT FOR SEVEN YEARS, BECAUSE I WAS ABLE TO PAY OFF ALL OF THE BILLS. I AM ATTACHING DOCUMENTS SHOW THAT THE CASE WAS DISMISSED AND I DID NOT COMPLETE THE FULL PROCESS. I HOPE THIS WILL ALLOW THIS BANKRUPTCY TO BE REMOVED FROM ALL THREE REPORTING AGENCIES. THANK YOU

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 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/2021 I deposited XXXX XXXX ( Worth roughly XXXX XXXX currently ) from my Trust Wallet into my Binance US exchange wallet. During this transaction I had a lapse in judgement and forgot XXXX and Binance XXXX require a special memo on top of the wallet address that differentiates the different customer wallets that the exchange is sending the XXXX to. Currently my XXXX is stuck in the exchange wallet waiting for customer support to retrieve it and place it in my personal wallet. 

I contacted customer support on XX/XX/2021 minutes after the mistake I made, but after 4 days of research and aggressively trying to get into contact with customer support via their website, XXXX accounts, XXXX accounts without any luck, I understand I will be waiting months if not longer to retrieve my funds from Binance US XXXX according to users who have experienced the same issue. That is a extremely long wait time and a large amount of money to not have access to. I hope we can come to a quick resolution. 

Binance XXXX ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-04-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
OnXX/XX/XXXX purchased an entire bedroom set from XXXX XXXX. One of the items delivered was damaged and defective - I immediately contacted XXXX to advise - They offered for me to either have the item repaired or keep it for a discounted credit towards a future purchase - not a refund - I objected that I paid in good faith for a brand 'New ' bedroom set that I should not have to have 'repaired ' on delivery. I Also declined the offer for the 'discounted ' credit as I should not have to lose a dime for something that was sent to me defective and I paid in full for it {$260.00} to be exact. I asked them to pick up the item and they refused insisting they had to schedule a repair - I advised my house was not a junk yard and the audacity of them to insist I store junk that they delivered. I returned the item to the XXXX store and brought it in the showroom and advised I would contact my bank. Citibank issued a provisional credit which they have now advised they are reversing because they claim to have requested additional information from me which I mysteriously did not receive. The response from the vendor is false - I did not leave anything outside neither was i offered an exchange. Clearly if I was, we wouldn't be at this point. They noted that they offered an exchange in their response to citibank if I picked the chest back up - That is incorrect.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
The problem Im having is with NewRez LLC mortgage company they took over my old mortgage company XXXX Mortgage In XX/XX/XXXX. NewRez LLC has been asking for proof of hazard Ins. From XXXX.to XXXX and from XXXX XXXX to present by sending me letters in the mail. I have been faxing my proof of hazard Ins .since XXXX and by scanning them to the Co. XXXX in XXXX XXXX then XXXX in XXXX XXXX and then XXXX XXXX in XX/XX/XXXX then XXXX XXXX in XXXX til the present time nobody said they received anything from me. Now Im getting escrow balance from NewRez LLC for Hazard Ins. When I have hazard Ins. For 20 yrs. on this property I never lapsed in coverage. I believe NewRez LLC forcing me to buy hazard Ins. from them. And forcing me to pay for something that I have already .Ive reached out to NewRez LLC multiple times each month since XX/XX/XXXX and this is not resolved yet no matter who I speak to from NewRez LLC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I've been trying to clean up my credit. currently Citibank is attempting to collect a disputed debt through XXXX XXXX XXXX XXXX. I have requested validation of the debt including the contract and history/statements to show how the purported balance occurred and is calculated. I've also asked for the date of the last payment made on this account if any to show the date of delinquency and to determine if the statute of limitations has expired on the account. I have been unable to obtain any of this information from XXXX XXXX XXXX after multiple attempts so I am reaching out the Citibank for assistance.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Zillow Group Inc.
State: NC

Complaint narrative:
We explored refinancing our house with Zillow in XX/XX/2020. We ended up not moving forward with that and did not ultimately complete disclosures or get anywhere close to closing. 

As part of the refi, Zillow listed themselves on our XXXX insurance as the mortgage company on a business to business portal that is apparently used for mortgage and insurance companies to communicate. That is supposedly a normal practice, but what should have happened and did not was for Zillow to remove itself as the mortgage company with XXXX when we decided not to pursue the refi The end result was XXXX issuing an escrow refund check that would have gone to our actual mortgage company, but instead went to Zillow because Zillow continued to list themselves as the mortgage company. We have spent hours on the phone with XXXX and attempting to get through to a Zillow accounting person with no success. XXXX has done the same, with no success. 

So, I am now reaching out to you for help. Zillow owes XXXX {$1800.00}. Until Zillow pays this to XXXX, XXXX will not refund our escrow which is now overdrawn. We are on a fixed retirement income so a 20 % increase in the mortgage payment due to this escrow shortage is a big deal. 

We need Zillow to refund XXXX so XXXX can refund our mortgage company, XXXX XXXX, balance the escrow and decrease the mortgage payment. 

Can you help? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Purchased used wheels through Paypal with purchase protection. The seller sold me an item that should have been covered. They were unusable, damaged beyond repair, and I had evidence from a shop stating this was the case. Paypal denied my claim because the original ad said the wheels had minor curb rash. I am now out {$4000.00}. Paypal and the seller have committed fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020 I applied for a pre approve offer with Capital one which I was approve.I was checking my credit reoprt ( s ) with XXXX and XXXX I noticed that this offer ended up being inquiry which it did impacting Capital One ad clearly states it wouldn't impact my credit score which it did. My XXXX score dropped by 10-15 points as did my XXXX score. I called Capital One they informed once submitted all personal information that was listed as credit card application which the ad didn't stipulate that on the pre-approve application. When I spoke with XXXX they informed me that matter would have to resolved through Capital one The add clearly states this is not application nor will it impact my credit score which is entirely untrue.MISLEADING ADVERTISM clear and simple!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I opened two disputes with experian for commenity bank because accounts that I had paid off the balance for were still showing a high balance. Instead of showing balance XXXX these two accounts were deleted from my report, lowering my score due to increasing my credit usage. I am in the process of trying to finance a house so This is a big problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IA

Complaint narrative:
I recieved a notification of a debt on my credit report stating that jefferson capitol systems had aquired a debt from XX/XX/2011 for the amount of {$790.00} which they purchased from us cellular. I have not recieved any mail notifying me of said debt. Not to mention the statue if limitations on most debts is 7yrs, others is 10yrs. They have reported this debt twice on my credit report from experian. That also is fraudulent. I have asked them twice now to remove the debt from my credit and the 1st time i was hung up on. The 2nd time they were dismissive of my demands to have it removed.

Company response to consumer: Closed with explanation