vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-20 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: NH

Complaint narrative:
On XX/XX/XXXX I disputed my debt with Jefferson Capital for my XXXX XXXX debt of {$730.00}. They could not verify the debt, the amount owed, the original creditor, or the date the account was charged off/sold. I would like this trade line deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my Experian credit report. On XX/XX/XXXX, Experian replied to the dispute and advised that they received correspondence from XXXX, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 

On XX/XX/XXXX, I contacted XXXX for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 
When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website experian.com/upload. I was then advised that I needed to open another dispute with Experian which I did. On XX/XX/XXXX another dispute was opened, and on XX/XX/XXXX Experian replied AGAIN and states that the bankruptcy was certified as accurate by XXXX. 

I contacted XXXX again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why Experian is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 
Experian uses XXXX to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from Experian, yet they are choosing not to do the rightful thing, and that is to remove this negative item. 

Attached you will find a copy of the resolution letter from XXXX dated XX/XX/XXXX that confirms they removed the bankruptcy, but Experian is refusing to remove it.

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 2021-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
Reported unauthorized transactions on my account the day they all happened. Chime bank has made me wait this entire month and still has no given me my provisional credit back yet. I reported the charges on XX/XX/2021. Its XX/XX/2021 and I still have not received my provisional credit. Ive called numerous times throughout the month. I have bills I have to pay and they have not helped me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: MD

Complaint narrative:
fraudulent accounts * discover fin svcs llc XX/XX/2014 filed police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: MIB Group, Inc.
State: OH

Complaint narrative:
Upon application for automobile insurance via several carriers provided attractive, low rates based on my provided information. All raised their rates just after clicking submit yet before filling in payment method. XXXX XXXX  skyrocketed substantially, increasing nearly 100 % ; and, importantly, they cited data from a consumer report from MIB as the cause of their ADVERSE ACTION. Further, upon shopping life insurance policies, at least 2 insurers declined me ( via XXXX ) while many other only offered RATED policies rather than standard, also citing MIB.

After much trouble and research, I found MIB and was ultimately able to obtain my report. While I could submit the request electronically, they did not offer *delivery* electronically, even though I explicitly consented to- and requested such delivery. Likewise, they do not offer web-based disputes except that the entire request ( s ) may be submitted via email ( not interactive web portal ).

On review of my report, THREE OF FOUR ITEMS ( 75 % ) are in COMPLETE ERROR. These events are NOT contemporaneous, complete nor accurate. I requested immediate removal via email. A representative accepted my request and indicated theyd process removal, based on his word choice. 

In one case, the report lists SUICIDE as a condition! Obviously, this is false : Im inherently not affected by suicide based on the fact that Im writing this and thus living. This item should have been removed IMMEDIATELY upon disputing. 

However, only later was an official dispute form provided. Because I had to wait for mailing, my ability to actually dispute was delayed by over a week. Upon official submission, the Bureau stated it would take FORTY-FIVE days for any decision, against regulations. 

Further, MIB then responded that they had referred all three of my disputes to XXXX XXXX. MIB stated it was that company that, allegedly, furnish the data. This means that MIB is actively and knowingly furnishing, selling and sharing FALSE DATA, a crime in its own right. Worse, they are not CHECKING for ACCURACY, whether at time of publication nor ongoing. This is obvious because they could not produce source and had to seek third-party verification of their false data.

Worse, there is no intermediate resolution such as interim suppression of FALSE data nor ability to add a CONSUMER STATEMENT to their Consumer Report. MIB does not accept physician statements attesting to the accuracy of MIBs records ; and, as above, they do not keep records to validate data even upon original acceptance and publication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC
State: TN

Complaint narrative:
Good evening, The company " CREDCO '' is an unauthorized credit check. 

That's it. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2021-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a SYNCB/SYNCB account reporting on all 3 credit bureaus under account number # XXXX. I have contacted SYNCB directly several times via mail with the most recent being in XX/XX/2021 requesting for debt validation as I do not recall having such account. They have failed to respond to any of my request to validate this debt. This debt is also showing multiple accounts with several different account numbers.

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 2021-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
Rushmore 's online payment system misleads customers when entering bank account information. They request a nickname for the account, so when people enter more than one account it's possible to tell them apart. But then when your payment is processed, they transmit the transaction to your bank with the account nickname they requested as the account HOLDER 'S name. 

In my case, I have an account with XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. I intended to set up automatic payments through the credit union once we get our days off back at my station. In the meantime, I entered my XXXX information to make payments. I nicknamed it " XXXX '', so later I could distinguish it from the other account on their site. 

When Rushmore submitted my payments, the transmission began with " XXXX '' when it should have begun with my name. So, the bank returned the transaction. The first time this happened, they pretended they didn't know what went wrong. I know they were lying and just wouldn't tell me because the second time it happened, they did know and told me they could see clearly what was wrong. 

Both times, I set up an additional payment to keep my mortgage paid. After the second time, I finally knew what the problem was, so I nicknamed my bank account with my name to prevent this in the future. 

I spent hours on the phone with Rushmore trying to communicate that I wanted to ensure that I suffered no negative effects as a result of their website 's problem. Their collections department and supervisors responded on a per-sentence basis with non-sequiturs, insulted me, and condescended to me. I finally gave up without even being informed of what consequences I would face for THEIR mistake. 

Now my account is restricted to certified funds only. This means I'll have to call into work once a month, travel to the bank, pay the fees for a cashier 's check, pay the postage for certified mail sent priority, and wait to see if they are honest about receiving my payments and apply them correctly to my account. Going by nearly every review this company has online, they're likely to cash the check and claim they never received it. 

We're not legally entitled to pay online. A company can choose to offer that or not. I understand this. But this company deliberately sabotaged my payments to make it harder to pay, and will not cost me hundreds of dollars a month in addition to my mortgage payments, to punish me for their failures. This shouldn't be allowed. Even just having to call in once a month could get me fired from the XXXX XXXX. They could cost my family everything we have, and we've done nothing wrong at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Received my statement email saying their was no payment due this billing cycle and no indication that their was a revolving balance. I always have paid on time and in full. Found out, there was a balance and was charged {$100.00} in interest. After I found out two days later, I immediately paid in full and after the customer service rep having spend 5 minutes explaining to me why I received an email that said no payment due, they said I still owe the interest. This is intentionally misleading and they should be ashamed to conduct business this way. I will no longer use this card as it's clear they'll use every tactic to charge you interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: Chime Financial Inc
State: PA

Complaint narrative:
I have filed 3 different disputes with my bank ( Chime ) for unauthorized transactions on my account and I got denied each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my Experian credit report. On XX/XX/XXXX, Experian replied to the dispute and advised that they received correspondence from XXXX, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 
On XX/XX/XXXX, I contacted XXXX for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 

When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website experian.com/upload. I was then advised that I needed to open another dispute with Experian which I did. I have submitted numerous disputes, but the most recent was done on XX/XX/XXXX and on XX/XX/XXXX Experian replied AGAIN and states that the bankruptcy was certified as accurate by XXXX. 

I contacted XXXX again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why Experian is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 

Experian uses XXXX to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from Experian, yet they are choosing not to do the rightful thing, and that is to remove this negative item. 
Attached you will find a copy of the resolution letter from XXXX dated XX/XX/XXXX that confirms they removed the bankruptcy, but Experian is refusing to remove it.

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 2021-06-20 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: CT

Complaint narrative:
On XX/XX/2021 I spent numerous hours on the phone between XXXX  XXXX XXXX, XXXX XXXX and Equifax attempting to rectify misinformation about the discrepancies in reporting on : 1. XXXX  XXXX XXXX non-reporting on payments and with reporting that doesn't reflect accuracy of bank statement balance vs credit reporting to XXXX and Equifax. 2. Equifax reporting on XXXX. 

Currently my credit score went fromXXXX to XXXX and I was told it resulted from two hard inquiries of reach I secured XXXX more in credit from XXXX. The second inquiry was made by XXXX XXXX whom made a one time credit inquiry based on securing a home load. Both inquiries was made two weeks apart and should not have resulted in a 43  point drop in my credit score. I was informed that the 2 hard credit inquiries, negative payments and lack of information on my home mortgage was resulting factors in a 43 point drop on my credit score. I do not meet the criteria for either of the listings for the drop in my credit report. 

I have a case number for XXXX XXXX XXXX dispute and a pending dispute with Equifax on state items. 

In addition, I am a paid credit card monitoring member through Equifax and I have attained no help with resolving these matters on neither a pre or post basis of changes in my score and for its reasoning. The paid membership appears to be unassisted in its duties as outlined in the product service policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: LEXISNEXIS
State: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 

On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 
When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXXXXXX. I was then advised that I needed to open another dispute with XXXX which I did. On XX/XX/XXXX another dispute was opened, and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. 

I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 
XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX yet they are choosing not to do the rightful thing, and that is to remove this negative item. 

Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX  is refusing to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Several reporting agencies are using our medical collections which is a violation through hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im having problems trying to make transactions with my card and capital one is restricting my ability, violating my rights and harassing me by telling me to submit more documents and information than i already have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a message from Binance.us saying there were not enough funds in my bank account to cover an ACH deposit. I cleared the problem quickly and made sure to deposit more in my Binance.us account to cover the failed deposit. Since that day, I have been unable to withdraw funds, either in USD from Binance.us to my bank, or to transfer cryptocurrencies out to another exchange. I only see the error " Withdrawals suspended due to risk management ''. I filed a support ticket, and in nearly a month, I've heard nothing from Binance.us support. Seeking more help on their website leads only to a FAQ that says, essentially, " Sorry but we have a lot of people who need help, please keep waiting ''. There isn't really any excuse for holding people 's money and giving them no way to speak with anyone at the company. If this company is regulated in the US, they should have their license pulled as would any financial institution that absconds with users ' funds. 

My support ticket number is XXXX, and my user ID for the account is XXXX. 

Thank you for your attention.

Company response to consumer: Closed with explanation