vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: NY

Complaint narrative:
XXXX, Equifax and XXXX have all been reporting inaccurate information on my credit report that has been affecting me negatively. I've been sending in dispute letters for XXXX XXXX Account Number : XXXX it has been disputed several times for inaccurate information and still hasn't been removed. my latest letter was sent XXXX they are violating my 609 fair credit act rights and I would like you to make then remove XXXX XXXX Account Number : XXXX from all my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I submitted an application to refinance my home loan with Chase. As a part of the application process, I was required to have my home appraised. We have lived in the home approximately 18 months, during which time, the housing market in the surrounding area has improved for sellers. When our home appraisal was completed, according to the appraisal, the newly appraised value of the home declined {$25000.00}. There does not appear to be any rationale for the difference in value. I completed the appeal process offered through Chase, but was not successful in obtaining a revised appraisal value. I do not believe we received a fair and equitable process. I am concerned about the appraiser 's knowledge of our community and objectivity during the process. I am concerned that well known racial bias in my area may have influenced the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
I would like to complain about Binance.us. My account was hacked yesterday on XX/XX/2021. Password, phone number and XXXX verification were changed. On account with Binance.us I have {$21000.00} USD. For my understanding I lost these money because Binance.us did not do anything to help me with this fraud. Multiple tickets did not helped me to retrieve my account. Nobody from Binance.us have contacted me. They don't have a phone number or chat only a ticket submission which did not help. Please investigate this issue and hopefully I will recover my money and account. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Filed several CFBP complaints which have not been resolved against National Credit Adjusters , LLC about inaccurate amounts and information on my credit report. They sent a letter stating they would cease all collection activities until fully investigated and I received all detailed information on debt, but they are still reporting negative update to credit bureaus and have updated account type from a debt buyer to a factoring company stating this is an OPEN account and it is not. Per XXXX XXXX response to complaint # XXXX this was a defaulted debt purchased/released back in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I have repeatedly been contacted and verbally harassed by impact receivables in regards to an account that my husband paid off. The collection agency XXXX XXXX was paid by my husband and a new collection agency has repeatedly contacted me after I filed a dispute with XXXX XXXX and told the collection agency that this debt was paid. The representative that talked to me in a disparaging manner was named XXXX XXXX. We sent information to her place of employment National Credit Systems that XXXX XXXX was paid the debt that was owed to XXXX XXXX. I would like for Ms. XXXX to be reprimanded for her grotesque behavior when handling this case for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: AES/PHEAA
State: AR

Complaint narrative:
This Fedloan account is reporting LATE PAYMENTS AFTER THE ACCOUNT CLOSED XX/XX/XXXX. It is ONLY reporting on XXXX This account was closed due to transfer XX/XX/XXXX. I have late payments from XX/XX/XXXX-XX/XX/XXXX. Then showing current payments from XX/XX/XXXX-XX/XX/XXXX. THIS ACCOUNT WAS CLOSED. I have several credit reports showing the closure date and late payments/payments, along with a letter from Fedloan that they closed it and no payments after XX/XX/XXXX. I will be attaching all of that. Fedloan and XX/XX/XXXX are no help. Every time I dispute, they add more stuff after the date of closure!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Bbva has for the second time erroneously charged my account for NSF FEES. On XXXX my account balance was XXXX I withdrew XXXX afterwards my valence then said I was overdrawn XXXX. That was the last time I used my card. When they processed all of my pending charges. They processed the XXXX first resulting in a XXXX charge for 5 transactions that were from previous days. I spoke with a customer service representative XXXX rep number was XXXX or XXXX Who said he had located the errors and who also stated I was correct.he said he would reverse two of them as a courtesy. This is not acceptable this is intention on the banks behalf to collect fees. I want all the erroneous nsf fees reversed and credited to my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a new checking account with XXXX online in XX/XX/2020 and made an electronic deposit for {$1500.00} from my XXXX checking account. They collected the funds then immediately froze my online Chase account for suspected fraud. When I called they verified my customer information including my existing user ID with Chase and unfroze the online account. They advised that regardless of my verification, the new checking account was going to be closed and the money I deposited electronically was being returned to my XXXX account. That was totally false as Chase gladly collected funds and kept my money. I have had a relationship with Chase for many years with Chase credit cards. This account should have not been close for fraud. They did not give me an opportunity to resolve this as I took action right away when I noticed my online ID was frozen. I did not receive notification by mail or any notification of where my funds were or how I could get my money back. When I called Chase they refused to send me a refund of my money and would not let me send in proof of my identification to verify. This new account was opened by me and should have not been closed as it was valid. I tried to take advantage of a {$200.00} new account offer and it was forfeited due to negligence of Chase. Four months later I was advised I had to go in person to a branch during a pandemic. I was advised when I go in a branch and show my identification the check will be mailed within a few days.I am XXXX years old and this caused hardship hardship for me and my family. On XX/XX/XXXX I went into the branch and they verified my I.D . but they would not give me my money in the branch. They told me the check would be mailed. It has been over 10 days and I have still not received my refund check. Chase is deceitful and Chase should be penalized for their poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 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 wrong hands,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
starting in XX/XX/XXXX i received a call from my mortgage broker offering a refi. I explained to them I was not interested in paying to refi a loan that was less than 1 year old. I was told there were no closing costs outside 1 month 's payment. after receiving loan form they were trying to roll costs into my loan. When this was brought to their attention is was denied. I had to finally ask what my principle was vs the loan amount to make a vivid point they were caught. After accepting I caught this problem it was immediately changed. Fast-forward to day, there is still no active refinance completed and I have been told they had to rewrite the loan. During this process I received an extreme amount of e-mails from Mr. Cooper. At one point when I decided to monitor them I received 18 e-mails from XXXX to XXXX the following day. I was also argued with when pointing this out and even demanded mismanagement attention. No calls have come nor e-mails trying to defuse this harassment of e-mails. Now my mortgage has went from XXXX monthly to XXXX monthly with the excuse my escrow account was miscalculated. When I tried to call customer service about this they had no clue what was going on nor the knowledge to properly discuss. I tried to get the rep to but the simple math to paper and she refused eventually leaving me on a constant hold when I demanded management. In summary this lender has falsely advertised a refi they could not come through on, they have harassed me via spam e-mails way into the night and have cause my mortgage to go up XXXX with no proper explanation why. The third issue could phase most Americans out of their homes, an increase of XXXX a month with no notice. There is already class action against this lender from what i am now reading and i feel that I have fallen into their predatory habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CA

Complaint narrative:
I HAVE TWICE DISPUTED WITH TRANSUNION, XXXX AND XXXX ABOUT ERRONEOUS NEGATIVE ACCOUNTS ON MY CREDIT REPORTS. I ASKED THEM TO INVESTIGATE AND REMOVE THESE ACCOUNTS, BUT I HAVE NOT HEARD BACK FROM THE CREDIT BUREAUS AND IT HAS BEEN MORE THAN 60 DAYS. I STARTED BACK IN XX/XX/XXXX DISPUTING AND SENT OUT MORE DISPUTES IN XX/XX/XXXX AND XX/XX/XXXX WITH NO COMMUNICATION OR RESULTS FROM THEM.

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 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a PMI on my Suntrust Coventional Mortgage. This PMI is due for removal and i have been trying to have Suntrust send me the necessary forms to begin the progress. My request for the forms have been pending with them since XXXX and I keep getting run arounds. I am not even been afforded the opportunity to complete the necessary forms to begin the process of removing the PMI from my mortgage. The effect is that I am forced to continue paying the PMI even though the LTV qualifies for the PMI removal. 

I am placed on more than 2 hours hold each time i call the Suntrust Mortgage. My request is to

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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Repeated calls to this number asking for a different person each time. The names of he people they are seeking have no connection to the number being called. Called XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
National credit systems has repeatedly called me in attempt to collect a debt that was paid in full by my husband. I have been harassed and talked to in a disparaging manner and would like this company to stop reporting this to the bureaus as this account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing in today in regards to my prior account with Ally Financial account # XXXX. I completed the term of this loan without any incidence. I received a bill for some damages on the car I informed Ally several times that I had a damage waiver and even supplied them with it to no avail. I later received a bill for {$16.00} dollars which I paid immediately. Ally confirmed that it was an error on their part and this should have no impact on me. Yet on my credit report it is showing a paid charge off.

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 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/20 I sent correspondence to each company regarding inaccurate, unverified, and erroneous items on my report. As of today over 90 days later I have not heard anything from anyone. I feel like Im just a number and not a person. These items are negatively impacting my report. As mentioned to each company may information was impacted by the XXXX data breach and Im just now being made aware. Now more than ever I feel like my information has fallen into the wrong hands.

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 2021-03-04 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: AR

Complaint narrative:
This XXXX account is reporting LATE PAYMENTS AFTER THE ACCOUNT CLOSED XX/XX/2018. It is ONLY reporting on Equifax. This account was closed due to transfer XX/XX/2018. I have late payments from XXXX XXXX XXXX. Then showing current payments from XXXX XXXX XXXX. THIS ACCOUNT WAS CLOSED. I have several credit reports showing the closure date and late payments/payments, along with a letter from XXXX that they closed it and no payments after XX/XX/2018. I will be attaching all of that. XXXX and Equifax are no help. Every time I dispute, they add more stuff after the date of closure!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I received a letter on XX/XX/21 from TransWorld Systems , Inc., claiming they were trying to collect a debt for {$1100.00} for XXXX XXXX XXXX XXXX XXXX. The letter was dated XX/XX/21. 

This is the first time I have ever heard of this debt, and I certainly do not owe XXXX any money. 

I have written a debt validation letter to TransWorld which I will mail on XX/XX/21. 

I plan on filing a police report in XXXX, PA, claiming fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

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 2021-03-04 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: LA

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 : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
Notice for Proof of Claim Account : JEFFERSON CAPITAL BAL {$580.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation