vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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:
I demand the deletion of the fraudulent inquiriesand public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXXXXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Winklevoss Exchange LLC

Complaint narrative:
I have sent documents to verify my identity to Gemini on the XXXX XX/XX/2021 and have since received no response. Despite numerous attempts at contacting them I am yet to have a response, their customer service is appalling. I am unable to use my account until it has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CO

Complaint narrative:
I have contacted Equifax in writing on XX/XX/21 and XX/XX/21 to remove an unverifiable account that is currently being reported as a derogatory collection account in the amount of {$360.00}. Comments show Medical/Subject not satisfied. Name of creditor is listed as ( Original Creditor ) with account number showing as XXXX. As of today I still have not had any type of response from Equifax. I have copies of the letters sent along with the certified mail receipts from both letters. I want this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
I can not go into my credit report. tried calling and nothing. there is disputes that i have no idea about since then I have been locked out of my own credit report for months already

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 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My American Express credit card balance on my XX/XX/XXXX statement was {$1200.00}. I used my cash back rewards of {$52.00}, made additional charges of {$29.00} and a payment of {$1.00}. This left me with a balance of {$1200.00}. However, the website showed that I still had a Statement balance of XXXX. It did not apply the {$52.00} to the previous month 's balance, only the current month 's, so it showed that I now had to pay MORE than my current total balance in order to pay off the previous statement balance and avoid interest, even though this would result in a credit balance. 

The explanation I received from their online chat was : " I see that you've redeemed {$52.00} cash back on XX/XX/XXXX and it will post in your next statement. 
Once you use your reward dollars it gets adjusted towards the new charges and not the charges those are billed on the account. 
Hence it will lower next balance I see that your XXXX statement is closed with balance of {$1200.00} and you've made the payment of {$1.00} So, the Remaining statement balance is {$1200.00} which is due on XX/XX/2021 '' So, I submitted a payment for {$1200.00} even though this exceeded my balance. I received an email confirmation of this payment. 

Then, a few hours later I received an email that they had automatically reduced my payment amount to {$1200.00}, my total balance! This leaves me with a {$22.00} statement balance which if I don't pay, will result in me being charged interest, but their system is preventing me from paying. They are forcing me to pay interest by not applying the rewards statement credit to the statement balance, only the current month 's balance, even though it is reducing the total balance. 

I raised this issue with them and they said they would waive the interest charge, but I am still reporting this issue because it means their system is designed in a way to force people into a loop that causes them to pay interest unless they contact customer support like I am doing. They need to fix this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My mortgage on my home in XXXX, Virginia is serviced by Mr Cooper. I've been using my XXXX XXXX bill payer service for several years and it pays my mortgage automatically and electronically on the last day of the month ( one day before the due date ). I have never been late on a payment. On XX/XX/2021, my bill payer submitted the {$3100.00}. I noticed on XX/XX/XXXX, the payment had still not been cashed, so I called Mr Cooper. They told me there was a problem that Mr Cooper was having with electronic payments over {$2500.00} and they requested that bill payers submit a paper check. On XX/XX/XXXX I called Mr Cooper again and they verified they had received the check from XXXX for my payment, I've been calling Mr. Cooper every week since then and it still has not been cashed. When I log into my account at Mr Cooper on line, it says I also now owe {$120.00} in late fees. My last call to Mr. Cooper last week, I talked to " XXXX '' in the escalation department and he assured me there would be no late fee assessed and that there would be no report made to credit bureaus as it was their mistake. He also assured me that the check would be cashed by XX/XX/XXXX. This morning, XX/XX/XXXX, I checked my XXXX account and the check still has not been cashed. I have also checked with XXXX and the check has not been returned. I have now emailed XXXX at Mr. Cooper to notify him the check has not cashed. I am concerned that Mr. Cooper is never going to cash this check and that it will be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi I never filed for bankruptcy, I dont have children, and I am currently in the process of a legal divorce and have been separated from my spouse for over a year now. Also, I was affected by the XXXX and a month prior to the pandemic starting, I was hospitalized and could not XXXX for 3 months after. Not only that, I am a full time student at XXXX XXXX XXXX and was affected financially during my hospitalization and all throughout the pandemic. I never received unemployment either. Lastly, I never got approved to buy a home, and again, I do not have children or ever file for bankruptcy. Thanks. 

Best Regards, 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 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I received in the mail a starter check package from TD Bank in XXXX XXXX XXXX. I have never done business with TD bank. The checks had my name proper address and other information on them. I immediately called TD Bank the following morning and was told that my information of course does not align with the person who is committing the fraud so they can not give me any information on the checks or the account. According to them there is potentially money being deposited monthly as a direct deposit and payments being made out of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
This debt was from XXXX mobility and I had dealt with it about a year and a half ago with another debt collector and I thought it had resolved but the debt was sold to another company. I went through an investigation with XXXX mobility and someone had opened a phone account in my name and they said that they couldn't prove it wasn't me although the addressed it was opened with is not one I am associated with. They said I was still responsible for the money ... 

I have never had a mobile device or account with XXXX mobility. someone had to have stolen my identity to open this. 

Now it is coming back with another debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 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: Army and Air Force Exchange Service
State: AL

Complaint narrative:
On XX/XX/2021 I pulled my credit report and I sent my first round of letter to the three credit bureau to validate the date on my Military Star Card. I got no response. XX/XX/2021 I pulled my credit report again sending second round of letters to the three credit bureau with evidence to delete the account per FCRA regulation of reporting accurate information the bureau only updated the account. XX/XX/2021 I sent a letter to Military Star the creditor who didn't make any updates. On XX/XX/2021 I sent another letter with evidence to the bureau but got and update not deletion of inaccurate information. Today XX/XX/2021 I pulled my credit report and the bureaus are still reporting inaccurate information.

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 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
From XXXX XXXX to today XX/XX/2021, Santander Bank has charged me 2 overdraft fees {$35.00} each for checks that came in at the end of the day unbeknownst to me, and right before my regular deposits occurred. In fact I was able to deposit money in the bank before XXXX XXXX  when I saw I was going to be short by {$18.00} dollars. Then, and in both cases, checks for {$30.00} each came in from my bill pay account, right before my regularly pension checks come in. We're talking hours before deposits came in.

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 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Recovery Services, Inc.
State: SC

Complaint narrative:
I have submitted complaints XX/XX/2021 I dont think the officail understand what i was saying I did not say the police report as fraud it was proof that my wallet was indeed stolen and that people have been using my information also submitted letters from my lawyers sent to all entity 's all I have never been issued a credit by or was I never contracted with quality recovery service this has been a hard ship burden on my life i have not been able to apply for credit or a home because of this fraud I will seek full damages I demand you take this fraud off my credit report asap! as I said in my perceived complaint before i will attach my id & police report & the letter from my layers sent to these enitys with late responds with more fraud documents with no vaild proof of contract or proof of credit issued this have volated my rights if these account do not get removed I will be sues eveyone involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Closing disclosure stated the funding transfer date would be XX/XX/2021. However, it it now XX/XX/2021 and we have not received funds. Called on XX/XX/2021 right before XXXX and spoke with XXXX XXXX and was told funds would be transferred on XX/XX/2021. Have called and emailed to no avail. They are intentionally withholding our funding after we have been through the three day waiting period. We are under the impression this is to collect interest on that money for as long as they can, before they send us the funding we agreed to in the refinance agreement. We can't get calls back or updates. We have had to pursue getting this done and done correctly, this entire time. Never once have we been made aware of an issue before we have to call wondering why something isn't done. We have construction crews on hold until we get these funds, for our remodel. My mother has stage XXXX XXXX XXXX and we will be leaving at the end of XXXX to visit with her and the timeline for our renovation keeps getting pushed farther and farther out because Mr. Cooper is refusing to release the funds that they owe us. It is getting pushed to the point where we will likely have to delay until after our visit with her because they won't be able to get inside our home, without us there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: PA

Complaint narrative:
When I apply for a credit card or credit services I am denied because I'm told that I have accounts seriously delinquent. My account status shows 100 % payment history in all accounts.

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 2021-05-26 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: PA

Complaint narrative:
When I apply for a credit card or credit services I am denied because I'm told that I have accounts seriously delinquent. My account status shows 100 % payment history in all accounts.

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 2021-05-26 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: PA

Complaint narrative:
When I apply for a credit card or credit services I am denied because I'm told that I have accounts seriously delinquent. My account status shows 100 % payment history in all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
There is an account that just reported on my credit file, THIS IS NOT MINE nor did I receive ANY notification about this, or I would have disputed it. This is WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Nelnet, Inc.
State: MI

Complaint narrative:
We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through NELNET ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current.

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted NELNET several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with NELNET that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XX/XX/XXXX I sent a letter to the credit bureau to validate the debt on my report being that the company was reporting two accounts. I got an updated account response when asked for deletion. I sent another letter XX/XX/XXXX to the credit bureau for deletion on both accounts for inaccurate information reporting XXXX deleted one account but not the other one I sent evidence of the inaccurate information. The other XXXX and XXXX did nothing but update the information which was inaccurate. XX/XX/XXXX I sent another letter to the credit bureau with evidence on the inaccurate information still no deletion.XX/XX/XXXX I sent a letter to SYNCB/Care to delete the account due to inaccurate information no deletion or response. XX/XX/XXXX I sent another letter to SYNCB/ CAR Care for deletion due to inaccurate information they ignored me again only to update the inaccurate information. I pulled my report again today XX/XX/XXXX and they are still reporting inaccurate information.

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 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I sent a deposit from Wells Fargo to XXXX XXXX XXXX via transfer and they deducted it from my account and never actually sent it. I sent XXXX {$.00} on XX/XX/21. 
It was never received even after the account was verified on their 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 2021-05-26 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: Freedom Mortgage Company
State: GA

Complaint narrative:
I am a secondary borrower for this mortgage loan. I co-signed with my sister. My sister filed XXXX XXXX Bankruptcy in 2016. This mortgage is under her bankruptcy. The mortgage will not stop reporting this account as delinquent on my credit report. I would like for them to stop reporting erroneous information. They are also utilizing bullying tactics

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