vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-30 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: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: AL

Complaint narrative:
In XX/XX/2017 I checked my credit report and seen I had two collections from XXXX XXXX XXXX XXXX in XXXX, CA. and a Debt Collector by the name of Rash Curtis and Associates had the Collections. I contacted Rash Curtis and Associates about this matter to inform them that these debts were not mine and I've been a victim of Identity Theft. I asked them to research my whereabouts because I live in Alabama and that's where I was in these debts took place. The Associate at Rash Curtis and Associates didn't say much and hung up the phone. I've tried to dispute these charges from XXXX  a few times but nothing is being done about it. The debts still remain on my Credit Reports to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I sent EASTERN ACCOUNT SYST, at XXXX XXXX XXXX XXXX, CT XXXX. a validation of debt letter an I still haven't heard from them or received any letter from them validating the debt they say I owe. I sent a letter through U.S postal service certificated mail. I also have a copy of the letter I sent that an both my letter and the one I sent them are notarized by the same person at the same time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/21, my husband and I deposited {$1000.00} cash into a XXXX IL Chase ATM. It said it couldn't read {$200.00} of it and returned the bills. He hit the " deposit more '' button in an attempt to reinsert the bills. At this point, the whole ATM froze for about 2 minutes. Then a message popped up, something along the lines of " please call this number to make sure your deposit went through ''. The number disappeared off the screen before I could even get my phone out. The machine did not issue me a receipt. Turns out the deposit did not go through so I filed a claim and they issued me a temporary credit of {$800.00} for the missing money. My relief was short lived, on XX/XX/21 I received a notice letting me know the claim has been denied because when the ATM was emptied and counted " there were no overages nor error messages put out that day ''. They simply can not find my money and they'll be revoking my {$800.00} credit on XX/XX/21. I spoke to 2 representatives and 2 supervisors who all told me they could not help me further. They spoke to me as if I'm lying about my deposit. One supervisor said " I don't know I guess the machines just glitch sometimes ''. My husband and I are on camera depositing the money into the machine but no one will check the cameras. When I inquired to that specific branch about checking the cameras, they referred me to the claims department and said they have nothing to do with the outside ATMs. When inquiring to the claims department, they stated they have no ability to check the cameras either and referred me right back to the Chase branch. Somewhere in the mix, someone from Chase suggested I make a police report and have the police pull the cameras. I went to the XXXX IL police station and they refused to make a report because " it's a civil matter ''. 

This is an incredibly frustrating situation. {$800.00} is a lot of money for us and now it's going to accrue overdraft fees as well, since we can't cover the credit they're revoking. We desperately needed the cash we were depositing to fill the hole in our account from emergency vet bills. As someone who has banked with Chase for the past 8 years, I should be treated like a valued customer but that is the opposite of what has happened here.

I do have notices from Chase including documentation of the claim, phone calls to the claims department and a screenshot of my mobile banking app showing the {$200.00} deposit that went through and the absence of my {$800.00}. They are attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I not only have tried to take care of this through USAA but I have also sent in writing a recap of what all has transpired to you the Consumer Protection Agency in which I mailed XX/XX/2021. I had sent USAA two prior notes with no response back in writing. As noted in my correspondence to you and USAA, I have always had impeccable credit and pay all my bills in time and very disappointing and frustrating that this has not been taken care of and has affected my exceptional credit rating and report. 
Please let me know if you have opened and read my letter that was mailed to you that explained the situation. 
This has been very frustrating for me that no one takes care of their business. I owned a business for years, and if I would have handled my business like this, I would not have lasted a month. Very sad where service and accountability with this country have gone. 

XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-30 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: FL

Complaint narrative:
I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Equifax. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XX/XX/2020 ( I will include these receipts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: MN

Complaint narrative:
Multiple addresses on my report I have never lived at or are not associated with in anyway. Im nervous of identity theft. The only address that should be on my report is on my drivers license.

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 2021-05-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive tried to reach out to Equifax and they have refused to help clear up the problem. This XXXX credit point drop caused me not to able to apply for an apartment and a job. Im currently unemployed and homeless due to Covid19. Equifax is playing games with my life and they have utilized this crisis to cause problems for our consumers. Equifax has updated the account from XXXX and it caused for the credit rating to drop from good to bad credit. Ive called their customer service and some of the agents are not able to communicate properly. They appear not to be stationed in the USA and the language barrier prevents me from communicating properly and giving them the information, Im not sure if they understand the scope of the problem they caused for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I have been trying to close a loan since XX/XX/XXXX with Cardinal Financial. The initial rate that was locked for me was 2.25 % ( 15 year term ). We were getting close to closing and underwriting said that I had to wait until I reached 6 months with my current employer before they would approve the loan. I changed employers in XX/XX/XXXX but have been in the same industry for over 20 years with no employment gaps. Once 6 months had passed they increased the rate from 2.25 to 2.375. I was not happy with it but knew it was the current going rate. Since reapplying I have been harassed by their underwriting dept. They've called my employer at least 4 different times verifying employment. They delayed the loan for mortgage statements every month. I've completed conference calls, supplied documentation repeatedly. The last delay is for tax returns because they are so are taking so long to process that taxes became due. Rates have since increased again. I would use another lender but I will loose money over the life of the loan. I've 3 different times asked if they have everything they need and each time they say everything is complete and ask for more information within a week or two. When this started my credit rating was XXXX, & a perfect payment history on all my open accounts dating back over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: FL

Complaint narrative:
QUALITY ASSET RECOVERY XXXX : When me my wife were relocating to Florida, we informed our landlord XXXX XXXX as we did not stay in the apartment for the final month of lease to keep our deposit as final rent and they agreed. Unfortunately, the leasing company still sent us to collections. We did not receive anything in the mail or receive any correspondence regarding anything. We moved to Florida to be closer to my XXXX XXXX and we had no choice but to move. We thought all our bills were handled and closed the door to Jersey. They did not keep to their word and did not kept the deposit without any issue.

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 2021-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
In XXXX I had XXXX XXXX followed by intensive XXXX  to recover. My bills were numerous, and I reached my out-of-pocket limit on my insurance. I had several rounds of XXXX that were over my insurance allowance and these series were " re-upped '' by my carrier on multiple occasions for continued treatment. My last treatment in XXXX was on XX/XX/XXXX, which should have been covered by my policy. Instead, the final treatment was declined by insurance as being over my XXXX limit. After spending over XXXX in one year on deductibles and copays, the additional {$200.00} was an additional burden I didn't want to incur. I resubmitted and appealed to my insurance several times, but finally ended up paying the bill out of my own pocket to avoid having this go to collections. 

However, a collection still landed on my credit report, which was pristine ( not even a late payment ) prior to this. First, it was for the entire bill amount, which I disputed and had removed from all three credit reports, then this faux debt was reinserted on my XXXX report for a {$22.00} fee from the collection agency itself. I have tried to dispute this, had it deleted and then reinserted on my report again. 

I paid the original creditor ( which I never should have had to do in the first place ) but I was trying to avoid having this bill go to collections. I have never had any business with this collection agency, and they are in violation of the FDCPA by continuing to reinsert this bogus {$22.00} collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
A company called Convergent Outsourcing is currently reporting on my credit file for a fraudulent account I have never heard of them nor done business with any of its affliates. I have never received any dunning letters from this company are received any communications from them to prove that this debt is mine in which it is not. I would then to stop reporting on my credit file until they can provide legal documentation that this is my debt in which it is not.

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 2021-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
on XX/XX/2019 my car was totaled in an accident but it was still drivable after I put new axel tire & rim the insurance didn't pay the clam after 3 months the loan company said I would have 2 keep making the payments witch I did 4 about a year XXXX never paid the clam the car was leaking inside when it rained so I stopped paying on a totaled car then they repossessed it now I have a repo on my credit the car was only worth a few XXXX dollars very weird practice in my eyes so I got XXXX by XXXX & c.p.s.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Binance.US was working fine until XX/XX/2020, disabled my trading, deposit and transfers, then sends me an email that i need to deposit XXXX $ in 7 days or they will lock my account. They locked my account and now I cant do anything with all the money in there. 
Recently they said I can send a XXXX $ fee and they will unlock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: CT

Complaint narrative:
I was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: Colony Brands, Inc.
State: CT

Complaint narrative:
I was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
I was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
In XXXX my Bank account was hacked. {$4000.00} is missing. I've filed claims as well as talked to 10 people from the company and nothing was done they claim no error occured and refuse to do anything more to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/2021 I noticed a charge for {$820.00} on my Apple Card by a " merchant '' identified by XXXX XXXX ( XXXX ). 

I had contacted Apple Card support and they initiated a dispute. It was resolved in the merchant 's favor on XX/XX/2021 because the merchant provided sufficient evidence that I made the purchase. 

I would like to see this evidence. I have no records in email or via XXXX ( whom I also contacted and could not verify the purchase ). 

The Apple Card support team and apparently the underlying financial systems appear to be inadequate at detecting and preventing fraud. This is one of many disputes ( all resolved in my favor ) I have had to address with Apple. Their explanation is that there are glitches. I believe it is time for a full audit and investigation of both Apple and Goldman Sachs. It is readily apparent neither company is equipped to deal with consumer credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
One of my loans serviced by AES was paid off in XXXX XXXX. It was reported paid off to both credit bureaus and to the federal student loan database as paid off at that time.As of XX/XX/XXXX, I no longer had any balances on any loans serviced by AES. The app and the website for my account indicated all my balances were XXXX. Three months later in XX/XX/XXXX, AES resent a loan payoff letter indicated XXXX loans were paid off but now there was an XXXX balance on the loan paid off in XXXX. The balance was not available to me and I was not made aware of it. I do not believe it is an accurate balance. Customer service told me 1 ) that it was my error that I paid ahead and cause it to drop off their system so they didnt tell me it had a balance 2 ) I was told that there had recently been some rearranging of past payments on my account so that AES could make the balance have a bill. All of my payments in recent years have been targeted and should not have had any rearranging. This balance didnt exist on my account for over 2 years and now that I completely paid off my loans, AES came up with a balance.

Company response to consumer: Closed with monetary relief