vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: NY

Complaint narrative:
XXXX XXXX aka XXXX XXXX XXXX XXXX refuses to update my credit file with The Tbrer major credit bureaus Transunion XXXX and XXXX .This a credit card is paid in full. Every month XXXX XXXX takes between XXXXp and XXXX  points against my fico score. It's wrong .it appears that this ba k has cut a deal to get paid to continuously take points to keep my score from improving so credit companies like XXXX XXXX  can continue to get paid for posting inaccurate information. This continuous practice is disparate for me as a person of XXXX and it also keeps me at a disadvantage of getting credit or a loan which is unfair. Every month I please with XXXX XXXX to update and they continue to keep my profile of XXXX XXXX in the negative. This appears discriminatory and deliberate. It's been over a year now and XXXX XXXX willmot update my credit profile thus allowing fico to improve my scores. It's simply no reason for this time of treatment especially when the account is paid .this is a honest attempt to remedy this problem otherwise I will have no choice but to bring XXXX XXXX dba XXXX XXXX. 
This practice is hindering all the credit bureaus with my profile.

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 2021-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XX/XX/2015 {$820.00} Ive tried serval times to dispute this because it was an unauthorized & I have no knowledge on where this account comes from I tried calling and nobody can tell me where this acount came from this was open fraudulently under the FCRA its disclosed that an unauthorized account be removed immediately Im un aware of this credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On Tuesday, XX/XX/2021 at XXXX XXXX I added my husband to my credit card as an authorized user. Monday, XX/XX/2021 we received my husbands credit card in the mail. When I attempted to set up the credit card I noticed he was no longer on the mobile account as an authorized user. I did not make this change. Upon learning this, I called Capital One and asked them if they could help me fix this issue. They explained to me that they couldnt but when I go to attempt to add him back as an authorized user or account manager the mobile app and computer states hes already on the account as a authorized user. I dont feel as though Capital One is being forthcoming with their resolution process and when I asked why my husband cant be added back I was told by a supervisor that he didnt know and it was proprietary information so in essence my husband is unable to use a feature on my credit card which I would like to grant him access to that benefits both him and I. I also did not find any policy or procedure that states any resolution or that he cant be added after mysteriously being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
To whom this may concern : I XXXX XXXX checked my credit report and notice a debt.. that I never seen nor heard about! I never received a letter or a phone call about this debt and I would like for this debt to be removed.. because I never verify this debt! I dont think its fair to mess up someone credit, because you can! Im seriously upset about this. Because I never got a chances to verify the debt and my score dropped over XXXX points.. It will be nice if someone could remove this and send me a letter and give me a chances to verify the debt!! Ive leave in the same place for 5 years with the same number.. and no letter from this debt company! Please remove please and thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XX/XX/2021, my husband and I reached out to Mr. Cooper to refinance one of our investment properties. The purpose for selecting Mr. Cooper was the mortgage is currently held by this company and there was a streamlined process. We could provide loan estimates from other lenders and be on our way. We provided the required documents on XX/XX/2021 and were in constant contact, providing 3 months worth of paystubs from each of our employers, tax returns x 3 years, discussed the cash out options, uploaded copies of homeowners policies, etc. I received a call requesting an explanation of my pay as you are taking home less than half your salary each pay. I provided an explanation, I am approaching retirement age in 5 years, pay State and Fed taxes, OASDI, health benefits, retirement savings life insurance-they should be able to determine these routine deductions. 
***After the appraisal was completed, we had to add batteries to the smoke detector and send pictures to prove this was done. I was asked to provide a statement explaining my Allotment SV which is only {$150.00} per pay allocated to my savings account ( a secondary direct deposit ). The most disturbing request was to submit a bank statement showing we have at least {$5200.00} in reserves-checking or savings. XXXX** My credit score is over XXXX, my husbands score is high XXXX, the mortgage is currently with Mr. Cooper and we have not been late or requested forbearance, etc. ***We were also asked to show proof of home owners insurance on the property Mr. Cooper is paying for monthly. XXXX The home appraised for significantly more than our current loan to value on the property ; we qualified for this refinance with using only income from our employers, although we have been in business more than 10 years and I have income from a second job as a real estate agent. 
I am not sure what the scrutiny is related to, however, as of XX/XX/2021, we feel there is something more to this refinance process that is NOT being revealed, because we are being asked to justify and/or provide very insignificant items related to this effort. Some investigation into this company is warranted, as we are well-established having stellar credit, longevity on our jobs, own several properties and have purchasing power. 

Please help get to the bottom of this/1

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
Today is XX/XX/XXXX and I just got off of the phone with Capital One regarding a restricted account. Ive been making my on time payments for the past few months as the card was restricted and theyve sent me a letter stating my card would be available for use again if I made 5 on time payments which I did since last year ( XXXX XXXX and I spoke to someone a few months back and they indeed found the letter but still couldnt open back up my account. Theyre stating its permanently restricted. One issue is that this is my oldest card and second issue is that the card has an annual fee. I confirmed today with a Capital One Account Specialist that my account would be remained opened without spending privileges and he doesnt know what he could do to help me with the annual fee which will be charged on XX/XX/XXXX.

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

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote Equifax, XXXX  and XXXX to requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail. Its going on five months and I have yet to receive a response.

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

Complaint narrative:
After numerous disputes experian continues to report a payment history on an account that has been paid and closed since XXXX they will not stop reporting a monthly history on this item for XXXX they have two paid on time payment and two months as repossession making it appear it was repossessed again in XXXX and lowing my score I have called and filed a complaint directly with them after three different disputes they will not update this payment history there should not be an active monthly report for a closed and paid account with 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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
someone impersonating bank of america text me text alerts and called me using the actual bank of america phone number. i was scammed into giving almost XXXX dollars away.

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 monetary relief
Consumer complaint received 2021-05-05 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.

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

Complaint narrative:
I initiated a dispute regarding incorrect information which was listed on my credit report. It has been well over 30 days and I have not received any response from the Credit Reporting Agencies.

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 2021-05-05 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:
I initiated a dispute regarding incorrect information which was listed on my credit report. It has been well over 30 days and I have not received any response from the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am writing about the Coinbase fraud that was committed on my account. The fraud was committed on XX/XX/21 where my digital coins were sold to USD then transferred out to another XXXX account. 
The unauthorized XXXX transaction happened on XX/XX/21 Friday morning at XXXX PT in the amount of {$3200.00}. The money was sent to a XXXX email account at " XXXX ''. 

I have filed police reports, reported this action to the identity theft org, and now am planning to consult legal help.

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

Complaint narrative:
I initiated a dispute on XX/XX/2021, regarding incorrect items listed on my credit report. It has been in excess of 30 days and I still have not received any response regarding that dispute.

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 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OR

Complaint narrative:
My complaint is against Amerihome Mortgage. I purchased a home last year, within months Amerihome had purchased my mortgage on the secondary market.

Almost immediately Amerihome stated that I had an escrow shortgage, and increased my monthly payment. Very odd since it was a brand new loan. In the explanation from Amerihome I noticed they planned to disburse my property taxes a month early, which was not how the original lender calculated my escrow.

My first call to look into this was nearly 45-minutes, when someone finally answered the person told me that they were severely short staffed, and that they were actually a tech help desk person just helping out for the day. They said they had no idea how to answer my questions and directed me to call back another day. 

I called back another day and made it through another 45-minutes of menus and holding, only to have the call dropped by them. I called back, and after maybe 20-minutes got a person. This person told me that the escrow was what it was, and that there was nothing he could do. He could not explain why it changed, even though it was a new loan.

I accepted this, and let it go.

Several months later I take out another loan on a different property. Once again Amerihome purchased the mortgage on the secondary market. And now three months later theyve raised my escrow again! 

It seems odd that theyve purchased two of my mortgages within a few months, and raised the escrow amount on both properties. 

Are they doing this to other people? It doesnt seem right that they are able to purchase a brand new loan, and then change the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 filed multiple disputes with TransUnion in regards to a company by the name XXXX, This company claims an debt amount of {$1700.00} is owed to them. I have NEVER heard of this company, and I do not have any signed agreements or contracts with this company. After a investigation by credit bureau TransUnion has deemed this debt as verified. TransUnion has not provided me with the supporting documentation that would support their decision, I believe they conducted a improper and incomplete investigation.

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WI

Complaint narrative:
I did ask for an ACH transfer of {$1000.00} on XX/XX/XXXX which was credited on my binance.us account. 
But a few days later the transfer failed so Binance.US did not receive the money while it has been traded in coins already. 
I did receive a notification that I had to deposit some USD in the next 5 days to settle a chargeback which I did within this timeframe via a wire transfer of {$5000.00}. The chargeback happened and they were able to retrieve the {$1000.00} from the initial failing ACH transfer but my account is frozen with assets that I can not trade ( USD and cryptos ). It says that the trading was disabled. Their FAQ says that after a chargeback it can take up to 5 days to allow trading again but in this case it has been more than a month. At the same time, I have opened tickets that are not answered and keep being closed automatically as solved although it is not. I never had anyone getting in contact with me or responding to my tickets and have assets that are blocked for a reason that I do not know.

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

Complaint narrative:
I login to my Experian account because I received an email from them saying I have two new hard inquiries in my credit report. Since I have been a victim in the past of identity theft, I went ahead and lock my credit report. I know I didnt applied for credit during that time, I called Experian to let them know and I also called XXXX XXXX and XXXX XXXX to make sure they do not open any new accounts. From now I plan to keep my credit report lock to avoid any new attempts to open new fraudulent accounts. Please remove these two fraudulent hard inquiries from my credit report. Thank you for your help! 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2021-05-05 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: CA

Complaint narrative:
I initiated a dispute on XX/XX/2021, regarding incorrect items listed on my credit report. It has been in excess of 30 days and I still have not received any response regarding that dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
On XX/XX/XXXX. I transferred XXXX $ to XXXX banking account. Waited 4 -5 days. Money was not delivered. Method of delivery in app changed from account transfer to Cash at WU agent.

Becuase receiver can not pick Cash from Agents. I called WU and ask for cancellation and refund. 
At that time. The status changed from available to unavailable to complete instantly while I was on the phone with agent. 
I was promised the refund will occur within 4-5 days. This never happened, I called more that 15 times. Spoke to multiple supervisors and agents. 
Tracking # XXXX XXXX XXXX XXXX # XXXX Of Note, I have another transfer done on same Date to XXXX of XXXX XXXX And this was refunded and then reversed at the time I request refund. Which tells me someone tried to refund me and did a mistake. The irony when he tried to do that. He charge me again transfer fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX continues to report to XXXX and transunion incorrect info.they are reporting that I opened an acct with them XXXX of XXXXi did not have an acct with them.i had an acct with XXXX XXXX. I requested proof of application with XXXX  for XXXX they ignore my request and refuse to stop reporting fraudulent 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 2021-05-05 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: GA

Complaint narrative:
XXXX XXXX XXXX continues to report to experian and XXXX incorrect info.they are reporting that I opened an acct with them XXXX of XXXX.i did not have an acct with them.i had an acct with XXXX mortgage. I requested proof of application with XXXX XXXX XXXX they ignore my request and refuse to stop reporting fraudulent 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