vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc.
State: WI

Complaint narrative:
This is on crypto.com I have money on there for buying crypto currency and I want to withdraw. I had a bank account there was with XXXX XXXX. They are telling me that XXXX XXXX filed the dispute against me so I can not withdraw my money and I have to show them proof of a dispute cancellation letter. I spoke to XXXX XXXX a couple times and they told me there's no such thing they can not give me a dispute cancellation letter because I didn't file against crypto.com. this is been going back and forth with crypto for months now at least 3 months. I was finally allowed to change my bank account to a stride bank which is chime so I was just recently allowed to put another {$20.00} on there through my chime account and they're still telling me that there's a dispute letter cancellation I need to come up with because they're fired somebody has filed a dispute against them for transactions they are lying son of a guns I want my money back I want to be able to withdraw my money I have over {$300.00} on there and they won't allow me to touch it this is just wrong I wanted to snapshot a conversations but I'm unable to do that. I am money sure how I'm supposed to get these chats to you my email is XXXX What can I possibly do about this and how can you help me please I want my money back and I want to close this because they are full of it they're Liars and they're just trying to hold onto my money and that's just wrong I don't even know the word for it but it's wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: PA

Complaint narrative:
The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens bank has no option to deactivate a XXXX account connected to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX 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 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: AZ

Complaint narrative:
Mortgage company has not paid property taxes from escrow account. Escrow account has way, way more money than needed. Taxes are {$950.00} AND county has added interest and penalties. Called mortgage company XX/XX/XXXX and was told " complaints and questions should be sent via email ''. Sent email and got " auto reply '' stating they will work on request and get back to me. Called XX/XX/XXXX and was told they were aware of the email and matter would be taken care of. Asked me if I had gotten any " delinquent notices '' from county and not to worry unless I do. Called again first week of XXXX and asked about surplus of escrow monies. Told again they would " evaluate '' the account and get back to us. Sent another email asking status after more interest and penalty added onto tax bill. Got only " auto reply ''. Sent email on XXXX stating if someone did not take care of this and/or call me back I would file complaint with CFPB. 
I was told by county treasurer 's office that if this tax bill is not paid they will report to credit agencies and that will affect my good credit Mortgage company absolutely refuses to take care of this and they will not respond to me either in writing or with a phone call Went online to check out this mortgage company and average rating was 1.4 and main complaint about company was their failure to communicate, late payment of taxes and insurance and they use escrow funds to pay the late penalty and interest and you have to fight with them to get a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am a perfect example of the horrible loan servicing of Navient. I have hundreds and thousands of dollars of student loam debt and I'm only a XXXX XXXX. Just like many others from the early 2000 's I was offered deferment constantly until I am in a place where the only thing keeping me from getting a home loan is this student loan debt. I didn't realize at the age I was by getting the deferment that they always pushed what kind of debt I was getting into. I was glad to hear that they were going to have to forgive debt for students like myself only to find that this company has pushed my debt to another company Aidvantage to try and hold on to this astronomical debt. They knew what they were doing because anyone looking at my account knows I qualify for debt forgiveness. Navient handled my debt the whole time until it was time for debt forgiveness and then gave it to this new company in an effort to keep the debt. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
So based on my online statements the fraud initially started around XX/XX/XXXX, in a form of payment to an account in XXXX in the amount of {$100.00}, also for the same amount on XX/XX/XXXX, on XX/XX/XXXX there were 3 fraudulent charges, two to XXXX XXXX  which amounted in {$350.00} and then the XXXX to XXXX on the XXXX it was another XXXX to XXXX. It continues with a total of {$650.00} made to XXXX which I have no account to. Throughout XXXX the increments continued to get larger from {$100.00} to {$250.00} to {$500.00} until I had under the threshold in my bank. That is when my bank alerted me that something was wrong which was on XX/XX/XXXX when the fraud took over $ XXXX out of my account. the bank said they denied my dispute because I have a history with XXXX  but I continue to tell them that it wasn't me. I believe the deposits from XXXX were intended to keep me from being aware of what was going on in my account. There were two separate deposits one for 1k and another for {$900.00} To this point, nothing was flagged or deemed suspicious to my bank 's eye, which is PNC. I also take part responsibility for not checking in on my account on a daily but I feel like my bank should alert me of suspicious activity on my account instead of alerting me when my account is under the threshold. That's the only reason I would have found out and done the dispute. The bank is telling me I am responsible but never alerted me of anything suspicious. I think PNC is a good bank and I didn't want to have to go this route but I was left with no other option. I hope all is continued once this gets settled, I'd like to stay with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MI

Complaint narrative:
I previously submitted a Disbute and complaint from cfpb to Experian and the response was updated/the accounts was removed but its NOT! Its currently still on my credit report and it shows 36 late payments from these accounts thats closed XXXX XXXX XXXX XXXX I got these loans are duplicates Ive consolidated all four loans to a new one. XXXX told me I have to get them removed from the credit reporting company. This is really affecting my credit and its stopping me from purchasing a home, financing a car, and earning credit cards. Its listed as late 9 times for each account altogether its 36 late payments which should be illegal plus Ive had these accounts for over 7 years thats past the statute of limitations in Michigan please please remove these 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 2022-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows XXXX 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 non-monetary relief
Consumer complaint received 2022-03-11 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: TX

Complaint narrative:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; 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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was looking for a new car between XX/XX/2020 to XX/XX/2020. Each company that I applied for a car loan with put a hard inquiry on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and, XXXX XXXX XXXX all put a hard inquiry on my credit report. All of these inquiries should of been counted as one because there were made within a 13 day timeframe. I put a dispute in twice with equifax and they will not remove any of the hard inquires on my credit report. I have attached both of the dispute documents.XXXX and XXXX would not allow me to process a dispute for these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SIMM Associates, Inc.
State: VA

Complaint narrative:
I have received the response to the claim I made against SIMM ASOCIATES and they indicate that the debt was paid to the university. So I don't understand why the collection is reporting it, if the payment was made at the university as they themselves indicate. This account should not be in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc.
State: GA

Complaint narrative:
The collections amount shown on my credit report is incorrect. The judgement amount owed by me to XXXX XXXX XXXX ( XXXX XXXX XXXX & Blakely & Witt ) is only {$2200.00}. Yet, they instead reported to all 3 credit bureaus the amount of {$5200.00} double the judgement amount against me. This collections record is for an apartment eviction. Because of my inability to pay such a large amount I have been living in hotels and in some cases had to sleep in my car because no apartment is interested in taking me as a tenant because of this falsified record. This has effected my way of life and well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: PA

Complaint narrative:
The existing problem with these consumer reporting agencies is still not resolved. I still have incorrect information reporting 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
This is follow-up to prior complaint number XXXX. Rushmore Loan Management Services is trying to collect a bogus debt I do not owe for alleged new loan number XXXX that I never took out with their company and/or XXXX XXXX XXXX XXXX acting as ostensible trustee. The original loan XXXX with XXXX XXXX XXXX XXXX was cancelled by XXXX XXXX : XXXX County court clerk, case # XXXX. Now Rushmore attorneys are opening the same court case to collect on a new bogus debt. XXXX XXXX XXXX XXXX XXXX Chief Operating Officer, XXXX XXXX received a promissory note for full settlement from me and agreed not to sell my note but to pay me {$1000.00}. per day and then {$10000.00}. per day respectively for every day she failed to delivery my free- & -clear title. Her company was also invoiced for services rendered to the property. See lien filed with XXXX County Register of Deeds : Document # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank issues the PayPal MasterCard. They detected possible fraudulent activity and sent me a text to confirm if I made the purchase. I replied yes and they continued to decline my intended purchase. They locked my account ( XXXX ) after so I called on XXXX to resolve my issue. The bank told me my account was good to go and the issue was resolved. I tried purchases later in the week and realized my card wasn't working. I checked my account again on XX/XX/11 and saw my account was locked. I called again to resolve the issue and was told I had to submit videos of myself and my drivers license to resolve it. This was unnecessarily intrusive based on what I have needed to do with other credit cards. The application they made me use did not work well at all and could not verify my account. I must now wait 7-10 days for a mailed verification letter. This is an unnecessary process.

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 2022-03-11 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: VA

Complaint narrative:
My name is XXXX XXXX who has been granted a Durable Power of Attorney ( Copy Attached ) by my sister-in-law, XXXX XXXX XXXX, to assist with her issue with Experian. 

On XX/XX/2022, a conference call was convened that included XXXX XXXX and me along with the collection agency, XXXX XXXX XXXX XXXX XXXX  ), reporting the derogatory markers that diluted the credit scores for the three national credit reporting agencies. The XXXX  representative agreed that there was a need to properly validate the legitimacy of the claimed amounts due as reported on XXXX XXXX credit profile. During the telephone call, the XXXX representative was unable to supply proof of the debt. Further, XXXX XXXX states that she had never received any statements or applicable communication regarding the debt, and was unaware of the claim until she performed a routine check of her credit profile. 

Immediately following the call, I immediately confirmed the conversation in writing and advised XXXX of their requirement to adequately prove the alleged debt as required by the FDCPA prior to attempting to collect the claim. I also placed Experian on notice of their requirement under the FDCPA of their requirement to either substantiate the debt or remove the affected derogatory markers. To date, neither XXXX nor Experian has made any correction to this matter or otherwise communicated with us. 

Further, Experian misclassified a HELOC loan as a credit card, inflating the credit card capacity ratio from the actual XXXX XXXX to an excessive and incorrect XXXX XXXX. 
The combination of the derogatory markers and incorrect capacity ratio calculation has severely diluted XXXX XXXX credit score to XXXX as of this writing, when the actual score should be in the mid 700s. 

More than thirty days has elapsed, and despite follow-up efforts, Experian has not removed the delinquency markers from XXXX XXXX credit profile, nor has the capacity ratio been corrected. It is noteworthy that XXXX XXXX has removed all of the derogatory markers from XXXX XXXX XXXX XXXX profile and properly calculated XXXX XXXX credit card capacity ratio with a score as of this writing of 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 2022-03-11 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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX Date of inquiry XX/XX/2022

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 2022-03-11 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: MI

Complaint narrative:
I previously submitted a Disbute and complaint from cfpb to XXXX and the response was updated/the accounts was removed but its NOT! Its currently still on my credit report and it shows 36 late payments from these accounts thats closed XXXX XXXX XXXX XXXX I got these loans are duplicates Ive consolidated all four loans to a new one. XXXX told me I have to get them removed from the credit reporting company. This is really affecting my credit and its stopping me from purchasing a home, financing a car, and earning credit cards. Its listed as late 9 times for each account altogether its 36 late payments which should be illegal plus Ive had these accounts for over 7 years thats past the statute of limitations in Michigan please please remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MO

Complaint narrative:
On XX/XX/2022 XXXX sent a letter to my lender that there is no account. I mailed that letter to Experian in an effort to have my credit file updated accurately. 
Experian did not remove the creditor from my credit file. 
Please remove creditor from my credit file.

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 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Community loan services LLC. 
I send XXXX XX/XX/XXXX, {$2000.00}, to my mortgage principal, and they talk me they destroyed my check whit out tell me, they said is not supposed to be made on two checks, I did the extra payment OF {$2000.00} by the phone XXXX XX/XX/XXXX {$2000.00}, I send the extra payment on check, XXXX XX/XX/XXXX {$2000.00} to my principal, every month I must to call them, and ask to applied thru my principal, this bank do not want to applied as is on my mortgage documents, they put it on unapplied funds.

Company response to consumer: Closed with explanation