vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX XXXX Social Security # : XXXX ) the natural person did not consent to, authorize nor benefit from any of the following inquiries OR ACCOUNTS. Block and remove them. I already sent in a dispute statement on XX/XX/XXXX and the credit Bureaus ignored my dispute, but there were supposed to remove all the fraudulent accounts by law. to this day XX/XX/XXXX, these accounts are still reporting to my credit. THAT IS against FCRA LAW. I already filled out a FTC report # XXXX, # XXXX, which is attached. My identity was stolen and fraudulent accounts were applied for in my name without my consent. also these credit reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. I was not given validation after 5 days of sending this letter which is illegal.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, it is established that this complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
On XX/XX/XXXX, I sent a mortgage payment to my original servicer, XXXX XXXX. On XX/XX/XXXX, my mortgage servicing rights were transferred to CMC Funding, a subsidiary/affiliate of Specialized Loan Servicing ( SLS ). This complaint is about SLS not recognizing that XX/XX/XXXX payment. 

On XX/XX/XXXX, I called XXXX, asking for them to send the payment information to SLS. They indicated that it is up to SLS to reach out to them for the information. They emailed me a PDF of my payment history that I could provide to SLS. I emailed that information to SLS XXXX XXXX ). 

On XX/XX/XXXX, I emailed a completed Missing Payment Research Form to SLS to request that they undertake activities necessary to recognize that the XX/XX/XXXX payment was made. This email included a bank statement showing the original payment was made. I received an automatic reply saying they received the email. I received no other response. 

On XX/XX/XXXX, I again emailed the Missing Payment Research Form to SLS, complete with a bank statement showing the original payment was made. I received an automatic reply saying they received the email. I received no other response. 

Throughout this process, I have been calling SLS support. I've learned that the XXXX inbox is reviewed by staff at headquarters, who review incoming mail and assign emails to the appropriate accounts ( e.g., assign an email from a borrower to that borrower 's CMC Funding account ). It appears that nothing can be done until this staff do this assignment ; folks on the SLS support line can not even see that a Missing Payment Research Form has been submitted until that assignment has been made. Further, the only ability for SLS support individuals to contact staff at headquarters is by emailing that same XXXX inbox. 

When I've contacted SLS support, I've been told that they can not see that I've sent any emails, let alone the Missing Payment Research Form ( twice ). I have been told that I may resubmit the request form via email, fax, or mail, but that fax and mail will be received by the same team that reviews the email inbox.

CMC currently has my account listed as delinquent because of this missed payment. I understand that no late fees will be charged or other penalties applied during the 60 day window following the transfer of servicing rights ; however, given that SLS has not even confirmed that they are working on determining whether the XX/XX/XXXX payment was made, and that my account information does not reflect that a request was made for SLS to research whether the payment was made, I worry I will be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
My ticket number on the Binance.US exchange is # XXXX Ive been trading on this platform since XXXX with no problems. I received a notification this morning XX/XX/2021 of 2 failed ACH deposit both in the amount of {$1000.00} each for a total of {$2000.00} that were returned to my XXXX XXXX XXXX  account. 

I was informed in an email to deposit said amounts into my http : //Binance.US account to bring it into good standing or there would be a charge back. 

I tried depositing {$2000.00}. Then received a notification email that the deposit failed and now my account was frozen. 

I was directed to upload my most recent bank statement and and selfie video of myself holding my identification card. Both requested items have been uploaded in drop box in the support ticket. 

There is no customer support on the site at all. When I check on my support tickets they are automatically marked as solved but my account is locked still. 

Im am completely kyc verified. I have as of right now XX/XX/2021 {$39000.00} in multiple crypto currencys. 

Ive tried reaching out to there consumer rep on XXXX they are ignoring me. 

Like my funds returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Ive done numerous disputes to khols and they refuse to remove item off my record

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I've made several attempts to dispute fraudulent credit cards that have posted to my credit file. In which nothing has happen. Please help me to dispute the accounts that should not be posted to my credit as Covid has taken so much from me and my family. I've also attempted disputing with XXXX, XXXX, XXXX. In which I received no response.

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 2021-06-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX, Equifax reported XXXX XXXX XXXX date of first delinquency was XX/XX/XXXX. XXXX  reported on XX/XX/XXXX that XXXX XXXX XXXX will continue on record until XX/XX/XXXX. Then, on XX/XX/XXXX, XXXX shows XXXX  reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. This is the inaccuracies I've been disputing for a couple of years. There has not been any changes. I've even sent a copy of XXXX  deletion of XXXX XXXX XXXX. Equifax still verified everything reported was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: CITIBANK, N.A.
State: HI

Complaint narrative:
My mother 's Home Depot/Citibank North America card information has be added to my XXXX, XXXX  and XXXX  credit reports and being used as a factor to compute my credit score. I'm only listed as an authorize user. I'm requesting that this be taken of 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 2021-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 at XXXX XXXX, I deposited {$380.00} cash of XXXX {$100.00} bills and 4 {$20.00} bills into the ATM, then the ATM confirmed the {$380.00} amount and then the message that " processing transaction '' took about 5 minutes and then it said that this ATM was out of service and gave me back my debit card but not my {$380.00} and no receipt either. I called the number on the ATM but they said that my {$380.00} would be on hold for 2 to 5 business days while the claim was being researched. This is unfair that they can't provision me the {$380.00} as credit until they fix their broken ATM machine.

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 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/2021, I placed a limit order of {$2300.00} to buy BTC set at a very low price by typo and hence there is almost no chance for the order to get filled. I wanted to cancel the limit order and place a new one, but Gemini doesn't allow me to cancel the order. I submitted a customer service requests but got no response at all. My money has been trapped there for 9 days as Gemini doesn't allow me to cancel the order or withdraw the money. I have right to get back my money since all my deposits into Gemini have been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Well its been actually a few years this problem has been going on. I have sent all credit agencies XXXX, XXXX, And XXXX  a police report about this loan being fraudulent. They still have't taking it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-05 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: WA

Complaint narrative:
FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX ***XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX ***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX *** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.

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 2021-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/2020 Paypal closed the account I was using for selling online and they did not give me a reason. Prior to them closing my account they were holding my money saying that I had to prove items were shipped and money would be released when the items were delivered. I provided tracking and all items were delivered but still they were holding my money. Out of nowhere I logged in and was told my account was limited and I could no longer use Paypal. No reason given. I was then told that they were going to hold my money for 180 days, no reason given. As the 180 mark was approaching I logged into my Paypal account to see what needed to be done to make sure my money was released and I see that on XX/XX/2020 they transferred the {$1500.00} they were holding out of my account to themselves. I called to get help and they basically said we are keeping your money, we won't tell you why and there is no one you can talk to about it. Plain and simple, Paypal just stole {$1500.00} from me. I did not violate any terms of service and if I had, the closing of my account would have been sufficient. It does not give them the right to take my money and nothing I may have done warrants them keeping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello yes contacted TransUnion do to unrecognized inquires due to there misreporting And their customer service would not help and take care of the negative inquiries reporting to my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
On XX/XX/2021 I called XXXX XXXX XXXX NMLS # XXXX ) with NewRez LLC to only inquire on NewRez 's underwriting guidelines/policies/procedures concerning a " special piece of property '' that I own. I did not call XXXX XXXX to apply for a new loan. On this same day, XXXX XXXX was given my many questions, and he stated that he would get back with me with these answers. Later on XXXX sends me an email stating " thank you for applying for a mortgage with NewRez '', while ignoring my request to first answer my questions by email to me before any new loan was started. XXXX made an inquiry on my credit report without my permission. Three days later, I learn that XXXX has issued a " Statement of Credit Denial '' based on " Excessive Obligations in Relation to Income ''. I never sent XXXX any verified income documents. I did tell XXXX that I had additional income ; and that if needed, I could add my wife 's income ; which would qualify if added. XXXX never answered my questions by email to me. XXXX was so incompetent, that he attempted to call me many times by dialing a wrong phone number. I fear that XXXX has damaged my excellent credit score ( over 800 ) with this fraudulent credit denial. XXXX issued a CREDIT DENIAL simply to get rid of me ; and not answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
They are using my name to pay a collection of {$340000.00}. They dont have my social and my full name, they put a link on my own house I couldnt refinance because they want the many they said these Money it was a credit from XXXX but I never had a credit on this company plase help myyy please god bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 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: TX

Complaint narrative:
Previously reported this company to Transunion and called XXXX directly. Issue was result in XXXX but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination.

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 2021-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX **XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX ***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX *** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.

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 2021-06-05 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: WA

Complaint narrative:
FTC Violations. Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Never worked here : XXXX XXXX XXXX *** Accounts that do not belong to me : XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX***XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX***XXXX XXXX XXXX XXXXXBalance {$230.00} Date OpenedXX/XX/XXXXXXXX XXXX XXXX XXXXXBalance $ XXXXDate OpenedXX/XX/XXXX*** XXXX XXXX XXXX XXXX XXXXXXXBalance $ XXXXDate OpenedXX/XX/XXXX. This is a fair credit reporting act, FCRA violation. None of this was ever orally, written and mailed to me. I also have the right and request to get a copy of my identification submitted to the companies listed above verifying my signature and a copy of an ID card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: MECHANICS BANK
State: OR

Complaint narrative:
During the high pressure sales of a XXXX XXXX XXXX by sales Representative XXXX XXXX at XXXX of XXXX, XXXX XXXX XXXX., XXXX, OR XXXX on XX/XX/XXXX my Gap Addendum for {$620.00} said XXXX XXXX and other contract paper work said Mechanics Bank. There is no Mechanics Bank in XXXX XXXX CA XXXX. Because XXXX of XXXX did not give me all five pages of the Gap Addendum only page one, there is no Mechanics Bank in XXXX XXXX, Ca XXXX, I was high pressured, rushed through the sale, and not given the Used Car Buyers Guide for the XXXX XXXX XXXX. The contract # XXXX should be voided and XXXX of XXXX should take this car back to the XXXX of XXXX. XXXX of XXXX should have never delivered by XXXX XXXX XXXX company the XXXX XXXX XXXX-XXXX to the middle of drive way, locking the car, blocking my garage door with out my permission or my signature. XXXX of XXXX does not follow XXXX XXXX XXXX XXXX or XXXX XXXX selection Guarantee stated on the internet. Worst customer treatment buying a car I ever had.

Company response to consumer: Closed with explanation