vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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:
I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to Experian, XXXX  & XXXX and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX  & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7.XXXX XXXX {$1000.00}

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 2021-04-02 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Goldman Sachs/Apple Card terminated my account without cause. I no longer wish to do business with Goldman Sachs/Apple Card, and do not wish to contest the closure of my account. However, Goldman Sachs/Apple Card continues to report my account as open on my credit report. I have received confirmation in the past that my account is closed, although I continue to receive notifications to contact support to obtain my statement. 

Attempts to contact the company have remained unfruitful. Representatives are not willing to share details onto why the account is not officially closed, and I am prohibited from obtaining copies of my statements. 

I'd for my account to be completely closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: IN

Complaint narrative:
Last year around the XXXX time frame, Binance sent me an email stating I had one week to verify my account due to not being able to service me anymore since I live in the USA. I was not able to do that due to the verification process not allowing me to select USA as a country. 

Now, i can not transfer my money out of Binance to either myself or to BinanceUS ... which is their partner in the USA that handles crypto transactions. Binance and BinanceUS will not respond to my unique issue and my money is stuck and I was never able to get the opportunity to get it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
There are three accounts that are on my credit report that do not belong to me I need to know why these are onn my credit report and why after sending 4 rounds of letter s for dispute I have not receieved anything back from the bureaus I have even opened an FTC for these accounts and yet they are still on my report. This is identity theft and I need this taken care of asap.

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 2021-04-02 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: CA

Complaint narrative:
There are three accounts that are on my credit report that do not belong to me I need to know why these are onn my credit report and why after sending 4 rounds of letter s for dispute I have not receieved anything back from the bureaus I have even opened an FTC for these accounts and yet they are still on my report. This is identity theft and I need this taken care of asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: GA

Complaint narrative:
I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to XXXX XXXX & Transunion and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7XXXX XXXX {$1000.00}

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 2021-04-02 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: GA

Complaint narrative:
I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to XXXX, Equifax & XXXX and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7.XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On or about XX/XX/XXXX I applied for a loan modification with XXXX XXXX. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, XXXX XXXX reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by XXXX XXXX has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for XXXX XXXX to stop reporting late payments that were never late. 
In addition to XXXX XXXX reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on my credit report

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 2021-04-02 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: NY

Complaint narrative:
On or about XX/XX/XXXX I applied for a loan modification with XXXX XXXX. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, XXXX XXXX reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by XXXX XXXX has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for XXXX XXXX to stop reporting late payments that were never late. 
In addition to XXXX XXXX reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On or about XX/XX/XXXX I applied for a loan modification with XXXX XXXX. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, XXXX XXXX reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by XXXX XXXX has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for XXXX XXXX to stop reporting late payments that were never late. 
In addition to XXXX XXXX reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on my credit report

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 2021-04-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received an alert via the Experian app that an " update to my court records '' had been posted. Upon further review, Experian notified me that my account had additional names attached to it that was not mine. The name attached was XXXX XXXX XXXX. Whereas my name is XXXX XXXX XXXX, XXXX. Upon updating that information I was instructed to check my credit report to ensure all information was accurate. I then checked my credit report and have noticed there has been a string of hard inquiries spanning from XX/XX/XXXX to XX/XX/XXXX. I have no idea where these inquiries have come from. Upon reaching out to Experian, I was initially instructed to contact the " request originator '' ( company that pulled my credit report ). Upon doing so, I was informed by the companies that there was no record of my application on file. I was also told by the " request originator '' that the only course of action I had was to reach out to the credit reporting agency. I have since then reached out to Experian to inform them up this information, only to be met with the statement " there is nothing we can do until you call them '' /. After repeated communications with Experian informing them of the situation, I was left with no resolve. I have decided to contact the consumer finance division in order to gain assistance in having the erroneous hard inquiries removed from my credit profile as this is potentially effecting my employment.

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 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
I haven been trying to withdraw my account balance from Gemini for over 3 months and have been unable to because I need to verify my account even though I have already provided them sufficient information.. pretty much everything other than a picture of my ssn card which I do not feel comfortable sharing and disclosed with them I would be willing to share any other type of information including an additional photo of my passport. They do not answer my repeated attempts to get a hold of them through email, social media and I have grown very weary of whether I will ever be able to receive my money that is sitting in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
RE : VISA : Southwest Rapid Reward credit card. Charge Date : XX/XX/2020 {$1200.00}. 

The credit card company did not respond to my secure on-line messages about complaint re : charges. During the start of Pandemic era in XX/XX/2020, it was not practically possible to reach the credit card 's customer service by phone due to prolonged delay in getting phone answered. When I was able to reach them after a few weeks, credit card company told me to raise the issue with the companies who charged my credit card. The said companies were not co-operative and dragged matters. 

When my efforts with the charging companies failed, I requested the credit card company to retract the payment in my favor and resolve the dispute. The credit card company failed to do anything, and delayed all matters. AND did nothing to resolve the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I was never notified or contacted concerning this medical debt. I need the debt validated otherwise removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
5+ weeks since I signed up for Gemini account. My money is locked up and I can not withdraw until account is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is claiming that I owe them {$350.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TN

Complaint narrative:
To : XXXX XXXX Equifax On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

1. FDCPA Section 807 Violation Misleading False Reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation please delete at once. 

2. FDCPA Section 807 Violation Misleading False Reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once. 

XXXX. FDCPA XXXX XXXX XXXX XXXX XXXX XXXX. 
CAP XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once.

4. FDCPA Section 807 Violation Misleading False Reporting.

Account Number : XXXX This Account is inaccurate and I'm seeking litigation please delete at once.

5. FDCPA Section 807 Violation Misleading False Reporting.

XXXX XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once. 
6. FDCPA Section 807 Violation Misleading False Reporting. 
XXXXXXXX XXXX XXXXXXXX XXXX Inqury This Account is in Violation and I'm seeking litigation please delete at once. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I open a sq cash app account. I had link my sq app with my XXXX XXXX  credit card. During XXXX XXXX someone hacked my account and random peoples was trying to withdraw. What happened is that someone hack it and withdraw a {$380.00} and {$400.00} into my sq app and my bank authorize it without my knowledge. So when I found out I try to contact sq app customer service but is very difficult so I wrote a letter to them asking them to investigate to see where my money go. No answer until recently I managed to get hold a customer service and explained the situation. After explaining to them they says they did pay the hacker but reversed the money back to to my XXXX XXXX. I call my XXXX XXXX they told me they did not see a refund back to my account. I call sq app customer service again and explained to them that the bank did not see any refund, they keep saying that is my bank problem. 
I told the sq app customer service I have try many time they keep saying they did not see the refund in my account refer me to sq app customer service. 
I call sq app again to send me proof if they credit my money back into my account but they says the case is close nothing they can do. 
I told them I need my money back it can not just disappeared but they dont care less. 
Please help me because I have gone through a lot and I am not a good in dealing with big company with poor English.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Allyauto does not report monthly payments to a credit report company. The last payment reported was in XX/XX/2020. I called Ally to ask why it is not reported and did not get any clear explanations.

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 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wanted to buy a puppy the website XXXX  ... i found a XXXX puppy i like the owner said i need to give a refundable deposit of XXXX $ to reserve the puppy, the cost of the puppy was XXXX XXXX Since this is my frist time buying a puppy i did not better. I send hik the money through XXXX to the email XXXX To XXXX XXXX and his name is XXXX XXXX. On XXXX XXXX. On XX/XX/2021, i decided i do not want the puppy and asked for the deposit back. When i did, he disappeared on me. I tried contacting the website XXXX XXXXXXXX they do not respond and the email they have keeps bouncing back. The persons email is XXXX .and the address he provided is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX United States So please let me know if you can help Me get my money back. 

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 2021-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation