vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: MS

Complaint narrative:
On the XXXX i did wire transfer to my Binance.US account, i got notification of the successful deposit the next day, for me to login they disabled my account with the money there Its 3 weeks plus Ive contacted the customer support but they all dead no one is even replying my ticket on what to do very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Since XX/XX/XXXX to the beginning of XXXX XXXX I have mail 9 disputes to TransUnions related to the following accounts : 1. XXXXXXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance {$2000.00}, Credit Limit {$2300.00} ) 2. XXXXXXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance {$3300.00}, Credit Limit {$3200.00} ) 3. XXXX ( XXXX, Date Opened XX/XX/XXXX, Balance {$130000.00} ) 4. XXXX XXXX XXXX ( XXXX, Date Opened XX/XX/XXXX, Balance {$7500.00}, Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) 5. XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$8400.00} ) 6. XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$2500.00} ) 7. XXXX XXXX XXXX ( XXXXXXXX, Date Opened XX/XX/XXXX, Balance {$10000.00} ) The accounts are not mine and they have fail to provide any verification which I request multiple times. 

Attached are the letters I sent to TransUnion

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 2021-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I was reviewing my credit report & noticed a collection account by the name of Jefferson Capital Systems. I dont recall seeing a written contract between myself & Jefferson Capital systems. It is my understanding that if they can not provide proof of this being my debt that it must be removed. According to the FDCPA, they must provide adequate proof showing that this debt is in fact mines, if theres no proof then this must be removed from my credit profile. Computer printouts of billing statements arent proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: EOS Holdings, Inc.
State: PA

Complaint narrative:
I have disputed this account with the credit bureaus and the company ( EOS CCA ) more than three times. The credit bureaus keep telling me that the account has been verified. Without providing any information on how the account was verified. The company ( EOS CCA ) is not responding to my letters. All letters have been sent by certified mail and have been received by the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: NJ

Complaint narrative:
XXXX XXXX only removed there account from 1 bureau XXXX They neglected to remove it from XXXX  and transunion. This is very serious for a huge company to continue to ruin people lives by falsely reporting wrong information. They also falsely stated i had to pay and offered a settlement before they could remove it and they lied. This company is not responsible to consumers credit. 

Transunion is reporting incorrect information never late on credit card ever. Its illegal to report different information thats not accurate.I spoke to them they said im reporting current never late please update. This is wrong. Never late Its on XXXX I was never late. Since covid I worked hard to keep my credit clean XXXX {$8400.00} Closed 2 late payments never late please remove Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XXXX XXXX, XXXX Credit Limit {$8400.00} {$8700.00} Payment Info Status Paid or paying as agreed Status date XXXX XXXX Past due amount {$0.00} Highest balance {$8900.00} Monthly payment {$220.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX - - - - - XXXX XXXX On Time 30 Days Late 60 Days Late - Data Unavailable

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 2021-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I went through the whole loan process. Pre approval, underwritting and paying for inspections, appraisals, due dilligence, ernest deposit etc. We gave them all the information asked for in a timely manner. The dragged their feet which pushed us way past closing date. We re-negotiated and gained more time. Then they denied my closing after contract expired costing us thousands of dollars over funds that were not even relevant to the close that they were completely aware of from day one. Then we managed to talk to the seller and get him to wait while we provided more documentation and they just left us on the hook the seller got tired of waiting and re listed the house. The bank virtually stripped us of 75 % of our savings and said sorry we cant help 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 2021-08-14 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: GA

Complaint narrative:
Experian refuses to make the changes

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 2021-08-14 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: NJ

Complaint narrative:
XXXX XXXX only removed there account from 1 bureau XXXX. They neglected to remove it from equifax and XXXX. This is very serious for a huge company to continue to ruin people lives by falsely reporting wrong information. They also falsely stated i had to pay and offered a settlement before they could remove it and they lied. This company is not responsible to consumers credit. 

XXXX is reporting incorrect information never late on credit card ever. Its illegal to report different information thats not accurate.I spoke to them they said im reporting current never late please update. This is wrong. Never late Its on XXXX I was never late. Since covid I worked hard to keep my credit clean XXXX {$8400.00} Closed 2 late payments never late please remove Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XXXXXXXX XXXX, XXXX Credit Limit {$8400.00} {$8700.00} Payment Info Status Paid or paying as agreed Status date XXXX XXXXXXXX Past due amount {$0.00} Highest balance {$8900.00} Monthly payment {$220.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX - - - - - 30 60 On Time 30 Days Late 60 Days Late - Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX added a collection on my credit report. I never went to XXXXXXXX XXXX and never applied for credit nor any services from them. How did they get my social security number. Please delete this account I have too many inquiries that are no mines I want investigated please see below. Who did these inquiries on all 3 of my credit bureaus too stressful. Please investigate to delete XXXX Inquiry from XX/XX/XXXX!!!!!!!!! who is this XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX BankXXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX General Clothing Stores Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX Miscellaneous Utilities Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX

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 2021-08-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX I made a reservation through XXXX with a payment of XXXX. I selected my reservation dates of XXXX through XXXX. When I received confirmation, days were taken off of my reservation. I tried contacting the host and the response I received was " the days I want are not available ''. When I made the reservation online the dates were available and selected. On XXXX I opened a dispute/chargeback with my card company. On XXXX I received an email from XXXX stating THEY cancelled my reservation and would provide a full refund due to the reservation not being legitimate. XXXX disputed the chargeback from my card company and won the dispute. I have contacted XXXX countless times about this refund I was promised and they are now declining to work with me about this issue. I have documentation stating they cancelled my reservation and have promised a refund on numerous occasions. I have sent all documentation to XXXX they wanted to try and solve this but they are not responding to me now and I get disconnected when I call them. I opened a claim with XXXX  and it is now closed because XXXX will not contact me to try and resolve this. My bank/card company is not helping me with this matter either. They keep telling me they are not receiving the information they've requested. I have sent them all documents via mail and email on multiple occasions. When I call them about this issue they claim there is no one I can speak with to resolve this issue. My card is through Wisely pay card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: NJ

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX. I have been hacked with my computer. Someone had been using my info to attach another account to my XXXX  account XXXX and robbed me for my XXXX XXXX which contains my social security number, my business information, contact, bank account information, and personal information. XXXX allowed the activity to go during the month of XXXX. They are making more of my Gmails to illegally purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: NJ

Complaint narrative:
I mailed multiple disputes letter to XXXX, Transunion, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.

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 2021-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Through my credit report monitoring I became aware on XX/XX/21 that Barclay Bank, the provider of the XXXX XXXX credit card, had charged an annual fee of {$190.00}. I was never provided a statement via mail nor a notification via email that they had charged my card this fee. My address and email are up to date with Barclay Bank and I have not used the card in quite some time so I do not log in regularly to check for charges that I have not made. 

Upon review of my credit report I immediately made the payment on XX/XX/21. I reached out to the credit card company informing them that I had not received a statement via mail nor a notification via email. Their canned response was " we are required to report delinquencies to the credit bureau ''. They had no explanation as to why they had charged my card the annual fee yet never issued a bill or notification via mail or email and did not take further action. 

In my 40 year credit history I have never missed nor been late on any payments and I respectfully request that this inappropriate charge resulting in a delinquency

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 2021-08-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ROC Asset Solutions, LLC
State: LA

Complaint narrative:
Was contacted by company claiming I owe a debt. When I ask them please mail me, at my home address, all documents supporting this claim for my review. The company refused to do so.

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 2021-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Wilber and Associates, P.C.
State: FL

Complaint narrative:
Last year, my car was unlawfully used by a mutual person. A debt collector with the name of Wilbur has been trying to contact me apparently for the last year. Well recently spoke with a lady named, XXXX. She said I didn't have insurance at the time of the accident. Which is a false statement. As I went to my insurance and they printed out proof that I had insurance. XXXX said that wasn't gon na help and asked for the policy number. They're threatening to suspend my license if I don't pay. I don't have that kind of money. And I operate a driving business. I will be contacting the DMV and the court of clerks. I wasn't the person driving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Thursday XX/XX/21 I deposited a check from my husband for {$1500.00} through my BOA app to my checking account as Ive done numerously and regularly for several years. I was notified that the funds were being held and would not be available until Wednesday XX/XX/21. 
Despite the fact that there was over {$2000.00} in liquid funds available in the account as well as {$17000.00} available on my linked BOA credit card, when I phoned BOA customer service on Friday XX/XX/21 I was told they would not release any of the funds as they were informed electronically the funds were not sent by the local paying bank, XXXX XXXX. However, I confirmed with my husband that in fact the funds had been withdrawn from his account. Where is my money?! I have been a banking customer of BOA for over 33 years! I even went to the local branch. They were courteous but completely ineffective and were themselves left on hold calling their own service line for over 20 minutes while I sat there. 
Where does the loyalty get me? There was nothing personal about how this was dealt with. I was treated like they didnt know me yet I have several consumer products with them and a long-standing relationship. I had to draw funds from an outside account to be sure my mortgage payment would clear. The people in customer service were not interested in the least with actually putting any effort whatsoever into assisting me with this issue.

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 2021-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX lied to Capital One in 2019 about my employment in order to sell me a truck that I could not afford and opened a bank account in my name. I was not employed at the time, and I have never been employed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: NJ

Complaint narrative:
I mailed multiple disputes letter to Equifax, XXXX, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: NJ

Complaint narrative:
I mailed multiple disputes letter to XXXX, XXXX, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.

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 2021-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: PA

Complaint narrative:
Violation of FCRA delete this account immediately. Inaccurate data reported. Account profit/Loss write off. still updating last date of activity. should have a XXXX  balance, with a Charge off Profit/Loss Reporting to XXXX  and XXXX  different dates of DOLA, etc..

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 2021-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Comerica
State: CA

Complaint narrative:
I opened a safety deposit box at the comerica bank at XXXX XXXX XXXX XXXX XXXX, CA XXXX United States. I was saving money in the safety deposit box for my kids futures. I have two newborn babies. I went into the bank and saw that the key lock was changed over to another direction and noticed that {$5000.00} was missing. I had both keys to the safety deposit box and the last time I was there the key lock was not in the opposite direction. After that my family and ex employers started to harass me in order for me to lose the savings I had saved for my kids. The bank currently owes me {$10000.00} due to the damages. I am currently suffering from XXXX due to all the actions of the bank.

Company response to consumer: Closed with explanation