vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX advising me that, " we have not received the XX/XX/2021 payment. '' " Failure to remit the payment ... could result in late fee assessment. '' On XX/XX/XXXX, US Bank sent an email from XXXX stating the same. I responded with a screenshot of my US Bank account showing that AutoPay is ON. 

On XX/XX/XXXX, I discovered that XXXX is not monitored by humans. I emailed the following US Bank humans for assistance : XXXX XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX, XXXX of Loyalty ; and XXXX XXXX, XXXX Customer Experience. 

On XX/XX/XXXX, I have received no response. I advised XXXX, XXXX, and XXXX that due to their inaction, I would feature them in this CFPB complaint.

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 2021-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My name is XXXX XXXX & my wife XXXX XXXX applied to HSBC Bank XXXX XXXX. to obtain refinance for existing mortgage with XXXX XXXX. I have a perfect credit rating around XXXX So Everything was going good i submitted all financial documents from work both for myself and my wife who is a XXXX working in XXXX XXXX. I paid {$600.00} for appraisal and HSBC also asked for 2 questionnaires filled out by my XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. These 2 questionnaires I paid $ XXXX each ( including Coop 's lawyers fees ) Suddenly, its 2 months passed and HSBC reps XXXX XXXX XXXX XXXX XXXX conveyed to me that there is a My XXXX XXXX XXXX XXXX has ongoing lien with another company for approx {$460000.00}. My XXXX has no current mortgage and plenty of funds in reserve account. It has over 1000 apartment average price for each around {$300000.00} - {$500000.00} All these info was transferred to the HSBC reps. The lawsuit/lien is ongoing and there were no judge order yet to XXXX to pay this lien. So as a result, HSBC refused my refinance and send me a letter on XX/XX/2021. As a result of this i lost {$1600.00} dollars ... .. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( NMLS XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX HSBC Bank XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX Mortgage Loan Processing AVP Team XXXX XXXX I HSBC Bank XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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 received a notice that I had a late payment on my credit report. I looked up the account and it is one I do not recognize. I filed a police report and reported the account as fraud to the Credit bureaus as well as the financing company. The company Instead of investigating or ceasing reporting of the information they updated their file with the information from my complaint. Where they had my previous name they updated to my married name where they had an Incorrect address they update it to my current address and any other false information provided by the person committing the time its updated as though they were updating a debt owed by me. The credit bureaus refused to update it saying that they had to remain in compliance for the creditors account and not my credit reporting even though they are reporting false 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 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Funding is reporting a debt on my credit file that I do not owe. I have sent them multiple letters for them to validate this debt and I have yet to hear back. This account had been removed from my credit file and they recently put it back on?! I was not notified about this and they gave me no chance to dispute it once again which violates my 30 day right to dispute. This account is past the statue of limitations in my state and it's also past the credit reporting limit. I need Midland Funding to remove this account from my credit file. I will also let you know that if you continue to report invalidated false information to any of the three credit bureaus it could constitute fraud under both federal and state laws. If you continue to report invalidated information and false information on my credit report I will have no choice but to contact my attorney general and my attorney. This debt is past the statue of limitations as mentioned and the credit reporting limit which means you must remove this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 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: OK

Complaint narrative:
XXXX has not only failed to respond to dispute letters which I have proof of sending, but now they have failed to respond to a CFPB complaint within the 60 day time limit. Please remove account from 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 explanation
Consumer complaint received 2021-04-03 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: OK

Complaint narrative:
XXXX has not only failed to respond to dispute letters which I have proof of sending, but now they have failed to respond to a CFPB complaint within the 60 day time limit. Please remove account from 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 explanation
Consumer complaint received 2021-04-03 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: Columbus Finance Inc.
State: OH

Complaint narrative:
This is my second dispute and Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : COLUMBUS FINANCE INC # XXXX, XXXX XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Macy 's is reporting a debt on my credit file that I do not owe and it must be removed. I have been disputing this account with Macys and the bureaus but they continue to validate this account. I have told them multiple times that this account is past the statue of limitation in the state of Utah and no collection efforts can be made. However, they continue to affect my credit. Not only that, this account is over 7 years old and the date it charged off is past the credit reporting limit. You are in several violation under the FCRA. I ask that Macy 's removes this debt before I contact the Attorney general and my attorney regarding this debt.

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 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells fargo has not addressed all my issues. I have never harassed their employee XXXX XXXX. After doing all the running around of getting the new account opened they closed it because XXXX XXXX " Falsely Accused '' me of harassing her while i was in the bank. It was a set up from the get go, for XXXX XXXX to be at the bank when I got was finishing up opening my new account. XXXX XXXX had it all planned for me to get arrested. She was coming around me I wasn't coming around her. She slandering my character to her co-workers and they believed them. But the police didn't arrest me, they walked in the bank and looked confused looking like there is nothing going on here. It seemed to anger XXXX XXXX so she lied to XXXX XXXX who then sent me a very hostile angry letter, with him saying that my new account was being closed. He didn't put it in writing because he though he was being smart. Then he proceeded to tell me in a angry unprofessional way to never enter the wells fargo branch that I went to open my new account. I wasn't allowed to enter any wells fargo like XXXX XXXX would travel to all the wells fargo in the country. She has caused my life to be a pure nightmare for no reason. Wells fargo went along with her knowing good and well I didn't harass her. I called XXXX XXXX to tell him my side of the story & asked him what this was about. His reply was you know what this is about. I was treated very unfairly by XXXX XXXX and the employees at the XXXX XXXX wells fargo. But wells fargo says their decision stands & they refuse to settle. 

XXXX XXXX was intentionally coming around me. If I harassed her so much you would think she wouldn't come around me. But she falsely accused me and got away with it so she is coming around me where I'm at and this is stalking. She knew I was going to be at the bank that day when I was finishing up opening my new account.

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 2021-04-03 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: DISCOVER BANK
State: UT

Complaint narrative:
Discover Bank is reporting an erroneous debt on my credit file that must be removed. I recently looked at my credit file and noticed this debt with them, I immediately called and settled this debt with them. I had no idea that this was on my file, as I never received any calls, notices, or correspondence from them. I ask that they remove the account for not giving me ample time to pay this, or giving me my 30 day right to dispute. The debt is no longer owed and I would like the account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This is my second dispute and Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, COMENITY BANK/XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This is a follow up notification per the conversation I had with a Barclays representative from the Security department on Wednesday, XX/XX/XXXX @ XXXX XXXX CST where we identified that there had been fraudulent transactions in multiple locations and most appear to be outside of the continental United States. I now have conclusive evidence that there were multiple blatant, erratic and appear simultaneous charges all around the country/world in most of XX/XX/XXXX & XX/XX/XXXX. I see that the fraudulent international charges on my credit card have been corrected/credited however there are still two charges that were part of this fraud that were added to my current balance. 

I brought this to the attention again with a Barclays Account security/protection rep on XX/XX/XXXX at approximately XXXX XXXX  CST. These charges are appearing as foreign/international and appear to be in connection to the stolen Identity/Stolen U.S Passport crime that I reported swiftly to the United States Department of State with the DS. XXXX report. Please remove these charges from my balance as soon as possible in accordance with the FCBA since this blatant fraud was reported on XX/XX/XXXX. The evidence of the unusual transactions outside of my spending area is overwhelming. Please ensure that stricter policies are implemented to ensure this never happens. 

The two charges are as follows : 1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX XXXX {$330.00}

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 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX  master card was induced in 2018 XXXX notification serviced 1 to 1 with XXXX XXXX claim representative. The data breach XX/XX/2018 is to-date. AN internal breach of commands of the likes and dont like can and cant do but will do to rampart for the tangent of bigger.to feel published by possessing a not so good right in commerce of the exchange. etc. That the enclosure column a cross cancel by the master card company in taking money and deducting it from the insurance i did not apply for the total balance of the reversal was the amount of balance i had plus the enclosure brang the account to full payment. The company had not wanted to return the forgery ( phishing } enactment in notice of ( phishing } is civil means of activity in the dos and don'ts. Accept where means of the internal data breach to ( phishing } the workers or employers relinquishment. A working qualification in any country 's or state has these limits in a data breach except where internal resources has been damaged, took, altered and adjusted It can eliminate the population in said balance schemer effects in world cooperatives tax law ... .. The company i have requested from the setting in the credit karma data breach and the XXXX master card reported data breach and reversal however the data belonging to reflex had been adjusted and returned the deduction it is also a forum of phishing to send me emails to inform of the key correction to the account as a debt to overpay the account then close the account as a charge off. The account is not a debt. In fulfillment if i owe your company the amount on the XXXX it will first require that you release the withholding of the prior payments - that has been reversed then blocked by Reflex master-card to closure deduction to the limits to charge off the account. The account was closed because reflex master card incited me to not want to return the amounts deducted and charged off my paid balance available credit to debt the account then roll over to claim, allocate and etc. Now XXXX will be the amount XXXX master card needs to pay me to charge me the credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables is reporting an erroneous debt on my credit file and it must be removed. I have requested for validation multiple times and never got back. In my letter I stated for proof that they have any legal binding on me to pay them for this debt and I never heard back. I clearly stated that if this account is not validated to me it must be removed in 30 days. I do not need them to verify this debt to me, but to validate that I have some contractual binding me to pay them for this debt. Reporting invalidated information on credit could constitute fraud under both federal and state laws and I will not hesitate to bring legal action against you. I am also aware that during this time period I have 60 days to investigate the matter, while the matter is under investigation you may not report information on my credit file. If you continue to report any negative or derogatory information on my credit, I will file legal suite .

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

Complaint narrative:
On XX/XX/XXXX, I tried to withdraw some of my virtual currency that was purchased on and stored at Binance.US. Thats when the Binance platform informed me that they froze my entire account due to risk management. Apparently, a month earlier, there was a small chargeback from my bank ( which i now fixed ). 

Binance threatens to misappropriate all of my funds. They are now holding the entirety of my {$31000.00} of funds hostage. There is no recourse of any kind, no phone or email access, and no way to reach them. 

I submitted multiple tickets to customer support. I followed their required painstaking steps of recording myself on a video, holding up my drovers license, and reading the message they require. Nothing changed. Im one of many, many customers in the same situation. We voice our concerns on XXXX and XXXX. But Binance has ignored us all. 

They are either using our virtual currency for their own staking and trading purposes. Or they plan to defraud and steal from us all. I feel helpless. These were all my savings. It is clearly unlawful to restrict the users access to their own funds under pretext. 

Please help me get through to them and cease their unlawful practices.

Company response to consumer: Closed with explanation