vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: NY

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
On XX/XX/2021 got a call from HARRIS & HARRIS , LTD # XXXX asking me to provide my personal information as data of birth and SSN claiming XXXX XXXX sent my bills to collections. I never used XXXX XXXX services and rude demand from my personal information seemed suspicions to me. 
I am asking CFPB to check HARRIS & HARRIS , LTD # XXXX suspicious activity and protect citizens from abusive scam tactics used by HARRIS & HARRIS , LTD . 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is currently showing late payments. I have read enough to understand my rights. The 3 Credit Bureaus are attempting to violate this clear understanding. Please investigate thoroughly and please update for 100 % accuracy. 
CAPITAL ONE-Balance $ XXXX Opened : XX/XX/2018 CAPITAL ONE BANK USA N-XXXX-Balance $ XXXX-Date Opened : XX/XX/2018 CAPITAL ONE BANK USA-Balance $ XXXX-Date Opened : XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent numerous letters to get this stuff off of my credit report. By law it should not be reporting on my credit report without my consent. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Also per the CFR 1022.41 Section ( C ) ( 4 ), none of the bureaus did a proper investigation so they should not be reporting in anything on my credit report without my consent. Which I never or will I ever give them consent to do so. This is against the law and part of your regulations as well. I want everything list to be removed from my credit report immediately. 

XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
Previous answer the company told me to contact them. I called the number and nothing connects. 

Regardless, I have already tried communication and they are just ignoring everything that I am requesting. 

I request exactly WHAT I am being charged for. 

Look - you put money collections WITHOUT letting me know that I had balance due. And when I request exactly what the charges are- YOU REFUSE to tell me. How does this make sense? I request records showing and proving exactly what I did to incur damage and prove that I am responsible. The burden of proof is on YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Under the Federal Government Cares Act, I applied for Forbearance in XX/XX/XXXX & as per the regulation all missed payments must be added to the back of the loan & due to the fact I have an FHA loan The regulation requires that I am entitled to yet another year extension, My Servicer has insisted that they will not honor the comply with the Cares Act requirement & they sent me a demand payment request to pay them the sum of XXXX, Which is a total violation & They have sent me threatening letters, They came to my home & posted Notices on my front door, My Forbearance must end XX/XX/XXXX because my loan is an FHA loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: GA

Complaint narrative:
Went to XXXX XXXX XXXX in XXXX Al ( graduated 2012 ) with a degree in XXXX XXXX XXXX and loans are $ XXXX still do not have a job in that field. The payments are too high and it's recorded a negative impact on my credit report. Can not possible purchase anything. Can't transfer credit to another college. I was told the degree is worthless.

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 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
CFPB, I would like to report Coinlists very improper and illegal action with users money. 
As far as I know, there are so similar cases that many investors and users have had, but still no reply from Coinlist. 
You can easily find those cases from Coinlist XX/XX/XXXX account comments made by users. 
Coinlist does not operate communication channels to get customers feedback. Just they announce by XXXX and blog and preventing customers feedback. 
( Coinlist.co : Cryptocurrency company that launch new cryptocurrency with investors money ) 1. Deposit dates : XX/XX/XXXX 2. Amounts : Cryptocurrency CELO 1054.799 ( 8,133 USD amount as of XXXX XX/XX/2021 ) 3. Action I transferred Cryptocurrency ( Cryptocurrency : CELO ) to Coinlist almost a month ago, but still no deposit to Coinlist account, no refund or no clear explanation when and how they refund my money. 
I took a claim ticket on XXXX XXXX and then no reply at all from Coinlist until XXXX XXXX. 

On XXXX XXXX, Coinlist replied with short message that told me there were some issues on its custodian identifying certain CELO and cUSD deposits But they didnt explain when exact date they would refund and how to manage my case in detail. 
And still I havent got my money back even though I sent emails 5 times. 

4. The risk of Coinlist and My wish Coinlist seems to focus on increasing its company value to raise much money from other big investors or sell itself on very expensive value, but ignoring small investors risk and fund lose. 

Please investigate this company and stop all financial operation ASAP to prevent any additional damages to investors. If there are any illegal points, please stop its financial operation to avoid additional victims. 
And please help to get my money back 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 non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is in regards to my previous complaint XXXX for which i was not provided a fair resolution. 
The greatest concern from me is the last statement I received from Synchrony was on XX/XX/2020 and my promotion ended by XXXX of this year after which they started charging interest every month. After my complaint, I received a statement this month. So for the entire period when Synchrony charged me interest I did not receive any statement from them. From the beginning of this year I have been charged more than {$900.00} in interest. I received an email from Synchrony after this complaint to which I replied and called multiple times but no response. Since I had setup automatic payment, they kept debiting my account without any notification. I can provide evidence that I did not receive the statement for the entire period for which I have been charged interest. How could I possibly know of any interest that is being charged to my account without any statement that is being sent to me. I would expect the entire interest amount to be refunded which is the apt and fair resolution in this matter.

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 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I purchased a crock pot with a Best Buy Visa card. I returned the crock pot back to the store brand new. I was told by the manager at Best Buy that they refunded back to the same method of payment I explained we dont have the card and it was a Best Buy card. They refuse to give me a credit and took my crock pot. This is stealing and fraud

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 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Racism and discrimination Closed my account before I authorized/no notice I contacted to close month before but they just reversed my pay They took {$75.00} annual fee without letting me know in notice first I DID NOT KNOW ELSE I WOUKD HAVE CLOSED They were trying to sabotage my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, a XXXX XXXX Account ( XXXX ) that was disputed through Experian and XXXX, was removed from my account after the dispute process. XX/XX/XXXX, the account was added back to my consumer report. 

According to 611 ( a ) ( 5 ) ( B ), if any information that has been deleted from a consumer 's file is put back onto the file, the consumer reporting agency is suppose to notify the consumer of the reinsertion in writing no later than 5 business days later after the reinsertion. I was never notified of the reinsertion. 

I have called and sent letters to resolve this issue, no response.

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 2021-10-26 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I was charged {$1100.00} on from Comenity Capital Bank I did not authorize this charge. I authorized a charge for {$280.00} each month on the XXXX. I was incorrectly charged for the full balance due. The credit card company has offered a refund of {$1100.00} but will take up to 3 weeks to process. Again I did not authorize this charge. I called the bank as well to dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Liberty Home Mortgage Corporation
State: IL

Complaint narrative:
I was under a contract to purchase a property located at XXXX XXXX XXXX, XXXX XXXX, IL on XXXX.The lender was Liberty Home Mortgage Corporation in Ohio. Process went well, submitted all the paperwork, paid for FHA APPRAISAL of {$520.00} and Home Inspection of {$350.00}, earnest money to listing agent of {$1000.00}. I spoke to my lender 2 days prior to closing and everything was great. I received a call from the lender the day before closing which I did not have full disclosure the property taxes were {$8500.00} instead of {$3000.00}. So, the deal fell through. I am asking for my XXXX plus XXXX. I am waiting to receive my earnest money ( XXXX ) returned to me. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX  XXXX XX/XX/XXXX $ {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX  XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX  XXXX XX/XX/XXXX $ {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX  XXXX  XX/XX/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 2021-10-26 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent numerous letters to get this stuff off of my credit report. By law it should not be reporting on my credit report without my consent. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me. Also per the CFR 1022.41 Section ( C ) ( 4 ), none of the bureaus did a proper investigation so they should not be reporting in anything on my credit report without my consent. Which I never or will I ever give them consent to do so. This is against the law and part of your regulations as well. I want everything list to be removed from my credit report immediately. 

XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
We are banking with Prosperity Bank in Texas. They have continually closed our card or flagged it as fraud for using it in the XXXX. We are currently in XXXX and they have started doing this here. Before leaving to XXXX I worked with the bank to confirm that we were going to be in XXXX and had them add a note. 

Most recently they did this last week around XX/XX/XXXX. We made a purchase and the online banking site was restricted to us. We could still use the debit card, but we could not access the our account online. We called support and they said that they could not do anything and that we would have to call the branch we work with, since a specific person there was the one that suspended our account and only they could undo it. 

We contacted the branch and they continually said that person was not there or had left for the day. We eventually got in touch with the manager and she was able to work with someone, pretty quick, to unlock the account. It was not horrible because at least we could still use our debit card at ATM 's to make withdraws. They re-added the note saying that we would be making purchases in XXXX. 

XX/XX/2021 We found that we were locked out of the account again. We called the bank and the Teller told us that they could not do anything about it because of a note on the account to contact the manager. We contacted the manager, but kept getting a message that she was not available and to leave a message. We called the bank again and they said that they could call us back and that the manager would call us back, but neither ever did. 

XX/XX/2021 We called the manager in the morning and received the same message, she was not available. We called the branch and they said that they could not do anything and could not disclose anything about the account, except for some messages that list possible fraud. The person at the bank said that he was communicating with the manager and said that they are working on the issue, but the issue goes higher up than herself. They said that they would notify us when the issue was resolved. 

We were not able to get any answers and the issue was not resolved. Our money is being held by the bank and they will not release it to us or allow us to access our money. We are currently in XXXX, with about {$25.00} on us. We are online teachers that get paid through XXXX and that money is also not being allowed to our account. At the moment we are stuck without money or answer and XXXX year old XXXX  child. We are needing access to our account and are not being given any answers. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NY

Complaint narrative:
Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XX/XX/2020

Company response to consumer: Closed with explanation