vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a copy of my credit report and I show company XXXX XXXX account number XXXX. Per FDCPA I am aware that an chargeoff or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am be violated due to FDCPA becuase there is an open balance listed to my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase negligently merged my savings, checking and morgage account with multiple fradulant accounts with another person or persons fraudulently impersonating as me! Although those other XXXX XXXX, California, NY, NJ and CT use either no social security number, an EIN number or another fradulant social security number, they are all under MY PROFILE. I have begged CHASE via phone and in person to separate me from this money laudering, they refuse. I want proof in writing ALL these fradulant accounts are closed AND I want proof my morgage account was CLOSED. I have proof it was paid in full but nothing stating it was closed. Chase has ignored both requests

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX continues to show an in accurate public record ( Dismissed CH XXXX Bankruptcy XXXX despite repeated disputes that I have made. They keep saying they have verified the information as coming from LexisNexis. This item was removed from my LexisNexis report in XX/XX/2020. XXXX # in reference is : XXXX removing XXXX case # XXXX from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TX

Complaint narrative:
On XX/XX/XXXX I advised Experian and XXXX that I was a victim of identity theft during Covid 19 and I have lived in XXXX XXXX, XXXX only in XXXX all my life Account Type Collection Department / Agency / Attorney with Balance of {$4200.00} from XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX  and placed on my on XX/XX/2020, I requested that Experian and XXXX provide with methods used to verify that this account belongs to me which they did not this account is a fraudulent account on my report and should be deleted immediately and not sold to any other collections agency that I do not have a contract with this information is not accurate and they should report accurate information only but I find that most of the time they do not and therefore are not protect the consumer I have worked and lived in XXXX all my life

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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX, Transworld Systems Inc. contacted me via mail to collect a debt from XXXX XXXX XXXX. On XX/XX/XXXX, I sent a letter to Transworld Systems Inc. using a modified version of a form letter from the CFPB informing them that the debt was already paid alongside information on how merchants can locate payments and documentation from my virtual credit card vendor and my bank indicating that the payment was processed and the money removed from my bank account. The letter also requested documentation that give them good reason to believe I still owed the debt. On XX/XX/XXXX, I received mail from Transworld Systems Inc. again seeking to collect the debt with no additional documentation supporting the debt. Additionally, there was no indication that they had attempted to determine if the debt was still owed or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I never took out a student loan under my name. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I deposited a donor 's check into my non-profit checking account at the XXXX & XXXX XXXX, XXXX, PA branch. When I put the check in the machine it read it as {$300.00} when it was a {$100.00} check. I removed the check and redeposited it. The screen showed {$100.00} which was the correct amount. Later when I checked my BB & T mobile app it showed a {$300.00} deposit. I immediately called the branch where I deposited the check and was told it would be caught by the " back office '' and corrected on Monday. Monday it was never corrected. I called the initial bank and was told to wait a couple days that the error would be caught by the " back office ''. I tried calling the initial bank on XX/XX/XXXX after seeing on my mobile app it still wasn't corrected and no one was picking up the phone so I called another branch ( XXXX XXXX XXXX, XXXX, PA ) and was told that they could not see the check on the screen I would have to call the initial branch. I said I have been calling for hours but no one is picking up. She gave me the email address of an employee and I sent him an email and as of this date he has not responded. I called customer service XXXX number and was told that I would have to contact the initial bank where the deposit was made. I called them on XX/XX/XXXX and said I wanted to speak to the manager and was told there was no manager on duty. I relayed my whole story and was told the same excuse ... the " back office '' will fix it. I called the toll free number again and spoke with XXXX and was told that she would expedite the correction after she saw the check amount was {$100.00} and it would be done in XXXX business days, hence XX/XX/XXXX and she would make a complaint for me. The correction is still not made and so I called customer service again today and was told by XXXX that she saw my complaint with XXXX and that it would " be fixed in XXXX business days '' and she will make a complaint for me. Worst part of this whole ordeal is that the {$300.00} was deducted from the donor 's account, it was not caught by his bank, XXXX XXXX, and they said it has to be fixed on my end.

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 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
I moved my coins from my XXXX XXXX wallet to Binance us wallet on XX/XX/2021 in order to trade them later and after XXXX days I was not able to trade, transfer back to my wallet, I also can not withdraw my money to my bank. When I attempt I get an Error message : Rejected, Withdrawals suspended due to risk management. I also get a message Trading has been suspended when a try to trade my other coins. It's been XXXX weeks and I still can not do anything. I haven't gotten any response from support regarding this issue after sending several support tickets. I am concern I will never be able to get my money and feel they have taken my XXXX as XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX no phone listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed multiple disputes with Equifax concerning an unauthorized hard inquiry ( XXXX XXXX XXXX Acct # XXXX ). On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from Equifax that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, XXXXXX/XX/XXXXsent me a letter and also sent a letter to Equifax saying " After review of the XXXX XXXX XXXX claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to Equifax to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does Equifax continue to say the hard inquiry is verified? That's a lie! This is really starting to irritate me. I am also a victim of the Equifax data breach. 

XXXX responded to my cfpb complaint # XXXX and attached the letter, which is dated XX/XX/XXXX, which states, " We previously advised the credit reporting agencies to delete the account and the associated inquiry from your credit report. '' SEE ATTACHMENT. 

With this evidence, Equifax is in violation of the FCRA and must delete this inquiry TODAY. 

This hard inquiry needs to be removed from my Equifax credit report today!

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Resubmitting complaint XXXX as they didnt answer the question which is the issue. Please review complaint case XXXX. 
Advised was affected by COVID 19 for being late and didnt receive letters stated till my call and explained and didnt want account to get credit reported and was advised if I pay in full will not be reported and would be removed. I paid as promised from last call. Credit report is reporting XX/XX/XXXXbalance but has not been removed/deleted as advised?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
No I didnt not so can you close it end for me please.. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX XXXX Netspend prepaid MasterCard XXXX XXXX XXXX XXXX XX/XX/25 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: IN

Complaint narrative:
The following accounts are unauthorized and furnished with my consent or knowledge on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: CA

Complaint narrative:
I sent two letters so far regarding accounts that were misleading and false reported on my credit report, which is a violation of FDCPA section 807. I still have not received any response from the bureau regarding this account. I also sent letters regarding unauthorized and old ( more than 2 years ) inquiries on my credit report. This is affecting my ability to obtain credit and move into a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I started the mortgage process on XX/XX/XXXX and have the mortgage closed on XX/XX/XXXX. I want to file a claim regarding JPMorgan Chase bank, the loan officer XXXX XXXX ( XXXX ), and his XXXX XXXX XXXX XXXX XXXX XXXX The claim is regarding the following issues : 1. Negligence during the mortgage process.

Because of the negligence of loan officer, my closing got delayed and I was charged a closing adjournment fee of {$4900.00} because of the the delay.

During the process I have been submitting required material no later than one day after requested, but the process keeps been delayed for over 3 month.

Through out the one 3 month process, I've been trying to follow up on the mortgage process, but XXXX barely pick up my phone calls, instead of picking up my phone call, he called me back just IN SOME CASES. I found him picking up phone calls pretty quick when my attorney called him though. He is also lagged in email response. 
On XX/XX/XXXX, the first scheduled closing date, I hear nothing from the bank and I'm unable to get my phone call through. 
On XX/XX/XXXX, which is the deadline for closing, the bank is still waiting for appraisal report, while the sponsor said that appraisal report was provided on XX/XX/XXXX. 
On XX/XX/XXXX, closing was scheduled on XX/XX/XXXX, it got delayed to XX/XX/XXXX because the loan officer forgot to ask me to sign for waiver of Three-day review of appraisal/valuation form. The adjournment fee gets increase from {$3800.00} to {$4900.00} because of this delay.

2. Share deceptive information to me about adjournment fee reimbursement. 
Before the closing deadline XX/XX/XXXX. I was told by attorney that if the closing is delayed beyond that date, I'll be charged an adjournment fee per day, the amount total is {$4900.00}. The loan officer told me that I don't have to worry because bank will reimburse this adjournment fee for me, but I need pay out of my pocket when closing first, then the bank will work on reimbursement. I trusted him, and the bank. 
On XX/XX/XXXX, I went for closing and paid for the adjournment fee. Provided all required material to XXXX for reimbursement. 
On XX/XX/XXXX, XXXX told me the application for reimbursement has not been approved and when I asked for reason of reject, he said bank never guarantee to close on time so it is normal for mortgage closing being delayed, which makes no sense to me, and make his promise of reimbursement a lie.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
My BB & T Mobile Banking Application does not populate my correct password into the rectangle, via, XXXX 's, password manager ; and, XXXX 's password manager, does NOT, have an option to change my BB & T Mobile Banking Application 's password they have on file. Fact, BB & T and/or XXXX and/or XXXX XXXX XXXX are at fault. 

XXXX audio conversation dated XX/XX/2021, 1711 hours, parties present, Ms. XXXX and Mr. XXXX. Paraphrased events follow : ( 1 ) Envision in your mind turning on your telephone ; ( 2 ) pressing with your index finger, the BB & T online banking application ; ( 3 ) trying to type in your password ; ( 4 ) then, all the sudden, a rectangle appears on the screen blocking your ability to enter your password in like you always have ; ( 5 ) then, envision the rectangle denotes the BB & T symbol, and, the XXXX Symbol, U and G, respectively ; ( 6 ) you say to yourself, well, I don't feel well, this random rectangular interface has appeared, and I don't know what to do, I just wan na enter in my password like I always have ; ( 7 ) then, you say to yourself, ok, I'll press the auto-fill button, particular to the password ; ( 8 ) then, it fills the rectangle ; ( 9 ) then, it does NOT proceed to the next screen/my accounts ; ( 10 ) then, you say, ok, dah I dunno, I am a XXXX, I will try the " manage passwords '' option logically, instead ; then ( 11 ) you see ZERO options available for review, then you realize, the BB & T password MUST be wrong, because, the telephone did NOT proceed to the next screen, confer clause 9 above ; ( 12 ) then, you call BB & T ; ( 13 ) then, you speak with one Ms. XXXX ; ( 14 ) then, she says, it should work ; ( 15 ) then, you say to yourself, well, I better call the feds, because, I catch people EVERY SINGLE DAY, SAYING ILLOGICAL/UNREAONSBLE STATEMENTS WHEN I CALL THEM AND ASK THEM FOR THEIR HELP, PARTICULARLY, BANKS, COMPANIES, COURTS, ET CERTERA, IT'S A FACT, PAUSE, RED-HANDED.

End of message.

Note : The purpose of this complaint is to alert the authorities that ( a ) I, XXXX XXXX XXXX, am a genuinely nice man, a novice mathematician, and a life-experienced courtier, specifically, sixteen hundred plus hours ( 1600+ ) of superb legal research and subsequent work product, ( b ) a bleeding heart rhetorically, and ( c ) a man who misses his mother and father! Please make sure that ( i ) BB & T Bank modifies my BB & T banking application on my telephone so it interacts with me in a logical manner, and, ( ii ) ditto all other applications indefinitely. Last, genuinely respectfully, thank you for reading my complaint ; please help. 

Note : The BB & T Mobile Banking Application lowers the quality of my life.

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 2021-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I reviewed my credit report and I see that there is a collection item listed that I'm not aware of. I attempted to contact the collection company and request verification and received nothing back. I understand that this a violation of fdcpa and need to have account deleted.

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I signed up for an HSBC checking account because they promised a {$450.00} bonus. I met the requirements, but the 8 weeks came and went without the bonus being paid. I contacted them and said " what's up with that?! '' and they told me I didn't open the account " through the campaign landing page ''! Oh no! A total complete lie! I 100 % did open it though the campaign landing page! Thank goodness I saved PDFs and HTMLs. ( Side note : It is mighty suspicious that the bonus code does not show up anywhere in the application as a text field. Other banks have the code show up somewhere in the application ... for obvious reasons. ) Also, other customers have complained online about HSBC l-y-i-n-g to them and making this exact same excuse to them! Wow!

Anywho ... I'd like my {$450.00} bonus now. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 sent every documents they required then they close my account. 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 ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I consumer XXXX entered into a consumer credit transaction with XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but XXXX XXXXXXXX XXXX XXXXXXXX made me purchase insurance separately.Also, XXXX XXXX XXXX XXXX Violated 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. They are now civilly and criminally liable. all documents are included within this complaint. XXXX XXXX XXXX XXXXXXXX received the notarized original.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SENTE MORTGAGE
State: TX

Complaint narrative:
Sente mortgage did a hard credit inquiry without my consent in an attempt to provide a mortgage when I already told them that their rates were too high

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Leaders Financial Company
State: NJ

Complaint narrative:
XXXX $ Date opened XX/XX/2018 I spoke to the owner ( XXXX ) of the company ( leaders financial company ) And he removed that and added it to the new loan I took that time and I paid of everything to the company Not sure why it showed late payments in my account for almost a year or more

Company response to consumer: Closed with non-monetary relief