vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: PR

Complaint narrative:
On XX/XX/XXXX I requested to withdraw {$500.00} from my BinanceUS account, they charge {$15.00} for the transfer so the total I should receive was {$480.00}. On XX/XX/2021 I received the confirmation email that the withdrawal was a success that the funds should be in my account in 3-7 days. After the 7 days I dint received the money in my bank account and nothing yet, since that date I been trying to get in contact with them and nothing. I opened a couple of tickets with the support team and no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
During the early stages of the Covid pandemic, I experienced an income loss that temporarily prevented me from making an auto loan payment on my active loan with XXXX XXXX XXXX. Through the CARES ACT, I was granted a temporary forbearance, and I have since resumed payments and brought the loan current. However, despite that, XXXX XXXX has continued to report to the credit bureaus that my auto loan payment has been late since 2020, and continues to report the account late today! According to the CARES ACT, none of these delinquencies should have even reported to begin with. I have asked XXXX XXXX XXXX to correct my pay history on several occasions, but they never take any action to correct the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
About XX/XX/2020 I initiated a mortgage process through XXXX XXXX ( XXXX XXXX ). At the beginning of the process I was asked by the broker for a credit card to pay for appraisal. Upon providing the credit card information, the broker immediately charged my card for " professional services '' which is a fraudulent charge. 

I immediately sent notice to the broker the charge was not authorized and that I am immediately ending the mortgage process because of his theft. The broker responded by scheduling an appraisal of the home, despite being told to end the process. Several days later an appraisal was performed. 

I notified Capital One I am disputing the charge as it is invalid. The broker claimed the charge was to pay for the appraisal. I provided all documentation proving that I terminated the mortgage process days before the appraisal was scheduled. For reasons unknown to me, Capital One told me they were allowing the charge to stay despite my proof the charge was theft. I suspect this is a case of inter-institutional camaraderie ; one hand wash the back of another. 

The charge of {$500.00} was mere theft and I am entitled to my money. I think Capital One should pay punitive damage for what they had done as well, even if the damage goes to a good cause

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
There are several inaccuracies on my credit reports that i didn t authorize and these accounts are violating my rights accordng to the FDCPA. The credit reporting agencies continues toviolate my my rights according to 15 USC 1692. Any bad debt furnished on your reports are ruining my reputation and its defamation of character.

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 2021-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XXXX connected me to Quicken Loans after I completed a questionnaire for an Equity Line of Credit. Their system referred me to Quicken Loans in which the latter info page fraudulently states : " Dear XXXX, Good news - You could get as much as {$90000.00} from your home by drawing from the value of your home 's equity. 
A Home Equity Line of Credit is a revolving loan that's tied to a bank account or credit card. The cash is there for you to use when you need it. If you use it to increase the value of your home through repairs or upgrades, it can become a valuable long-term wealth-building tool. 
Here 's what you can expect : Our Partner [ s ] listed above will soon be calling or emailing you in order to give you the expertise and guidance you deserve. Just answer their calls / emails or respond back on your own terms and they will help walk you through the process. You will be on your way to getting money in no time! '' Quicken Loans mortgage agent attempted to entice me to a cash-out refinance and told me Quicken Loans DOES NOT provide equity lines/HELOC.

In closing, five XXXX course provider experts in the education department " wrote the book '' on mortgages, and how important it is not to mislead the public. Quicken Loans continues with their shananigans and I am willing to provide a sworn affadavit. I hold a XXXX  XXXX ( XXXX XXXX ) and will be a solid expert witness should the need arise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: ERC
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company ERC ( Original Creditor : 11 XXXX XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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 have received a copy of my credit report and it shows company XXXX ( Original Creditor : 11 XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. 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 2021-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
After I reached out for the 2nd time in less than 30 days to TD, ( the 1st email was ignored by XXXX XXXX ), I was told in response to the 2nd email, that TD needs an address verification on my property for my loan modification. Then claimed they tried to contact me by phone but my phone records/bills show that they never called or left a message. They also could have emailed or mailed a letter to let me know that an address verification was holding up the process but they never did. I spent an hour plus on the phone with TD on XX/XX/21 and was transferred three times because no one knew what an address verification was. 
I still have no idea if this condition has been cleared or if TD needs anything else to complete the loan modification that has been taking months with seemingly no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
XXXX XXXX of XXXX XXXX, XXXX and Honda Lease Trust On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a 150 points. I have tried contacting them about this matter and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2021-05-06 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 have reviewed a copy of my credit report and I show company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2021-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX of XXXX XXXX, XXXX and XXXX XXXX XXXX On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a XXXX points. I have tried contacting them about this matter and nothing has been resolved.

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 2021-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX of XXXX XXXX, XXXX and XXXX XXXX XXXX On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a XXXX points. I have tried contacting them about this matter and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX of XXXX XXXX, XXXX and XXXX XXXX XXXX On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a XXXX points. I have tried contacting them about this matter and nothing has been resolved.

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 2021-05-06 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: CA

Complaint narrative:
I received a letter from Experian stating that their investigation of my dispute for XXXX # XXXX And XXXX  # XXXX was completed and verified and updated. I received my credit report and the date last reported hasn't changed from XX/XX/XXXX and XX/XX/XXXX respectively. I question that an investigation has actually taken place! The date last reported should reflect this year, the year of my dispute that they reference in their letter.

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 2021-05-06 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company ACIMA CREDIT XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (FL)
State: FL

Complaint narrative:
I sent this company a dispute with valid proof to verify this amount alleged is entirely incorrect. They completely ignored my dispute of the amount and reported this to the credit bureaus. This is a medical debt due to an accident in which I had auto insurance and medical insurance as a federal employee. I explained to this terrible company that my insurance reduced this bill from {$970.00} to {$450.00} which would mean my auto insurance is only responsible to pay 80 % of that amount. However this physician never corrected the billing and took a check of {$750.00} from my auto insurance which is entirely fraudulent. The provider agreed to accept my federal insurance thus accepting the provided discount for being federally insured. On XX/XX/2020 I requested for the collection agency to provide me Details about XXXX XXXX in/out of network status as it pertains to XXXX XXXX. XXXX XXXX classified themselves as an IN-NETWORK provider as such by contract they agreed to a discounted rate for members of the XXXX XXXX federal plan. I need proof that on the date of service XXXX XXXX was considered out of network thus never agreed to any discounted rate. I have attached proof from my insurance provider showing XXXX XXXX in network status AND the agreed upon discount of the bill. If XXXX XXXX classified themselves as in network they are only entitled to the amount agreed upon with my medical insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NC

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NC

Complaint narrative:
XXXX Attempted to dispute information on my Experian credit report. It has a fraudulent SSN ending in XXXX. The online service will not allow me to dispute it. I called 3 different numbers for them. XXXX, XXXX, and XXXX. When attempting to dispute this erroneous SSN their system said to call XXXX to better assist. This number only gives 2 options. One is to freeze your account ( which I did ), the other is to purchase a membership. It tells you about optional memberships you can purchase and does not even let you get any of the services. It tells you about them and then hangs up. Neither of them will get you to a person so there was no " better assistance ''. This SSN and anything in reference to it needs to be removed. 

There are also 3 hard inquiries that are from a XXXX XXXX  company that I had a credit card with over 4 years ago. This company is running my credit every year even though my account was closed in XXXX. They ran on XXXX, XXXX and XXXX. Experian will not let me dispute these either. They need to be removed. 

They also have my ex husband as my spouse and will not allow disputing it online and of course not by phone as mentioned above. He needs to be removed. We have been divorced since 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 non-monetary relief
Consumer complaint received 2021-05-06 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies XXXX XXXX  Equifax, XXXX XXXX  and the Creditors ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Apartments ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: PA

Complaint narrative:
XX/XX/XXXX I sent my disputes on inaccurate and accounts that don't belong to me. Its been over 60 days. I know the bureaus have at least 60 days for a response or accounts will be deleted. I demand this to be deleted. THIS IS ME SENDING THIS DISPUTE NOT A THIRD PARTY

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