vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-25 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: FL

Complaint narrative:
I received a copy of my credit and noticed fraudulent accounts. this is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been trying to get help with a loan modification with mr Cooper mortgage. I have a letter that states I am a successor of interest for the property & im being told unless I have legal documentation showing Im taking ownership of the property it wont be approved. From my understanding & reading online, a successor of interest has the same rights as the original borrower of the loan & that I should be allowed to get a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This agency is in violation of XXXX U.S.C. XXXX. 

They were to notify me of this in writing XXXX  days prior, I was not. As I am the original creditor, only I can validate this debt. I do not validate this debt. 

Account # in question : XXXX I have tracked the letter I sent to them as received via certified mail receipts, and no action has been taken to resolve this matter

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 2021-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I deposited a check from my local XXXX XXXX XXXX XXXX of amount greater than {$8000.00} and less than {$9000.00} into my own Bank of America checking account via an ATM in XXXX XXXX. Bank of America put a hold on my account for XXXX  days and gave a long list of reasons for putting the hold. The check amount was withdrawn from my XXXX XXXX and it showed the image of check transferred by Bank Of America. I tried calling the customer service and also visited the local financial center on XXXX XXXX XXXX to show them that the funds has been withdrawn from my XXXX XXXXXXXX account. Now I have less than {$60.00} in cash available to me from my both account and any credit card payment may trigger at any time. I had to borrow {$200.00} from my cousin. The response from the customer service and Bank manager is disappointing and that they can not do anything. But what is the policy of holding checks when I am doing transactions between my own accounts? This leads to hardship and stress to consumers.

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 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, 1.I found not able to login to my chase online bank account. I have to reset my password. During the password reset, I realize the procedure is weird, no security questions asked! 
2.After reset my password, I found my saving account get hided in the XXXX XXXX view. 
3.Then I found there's an unauthorized {$35000.00} transaction to XXXX at XXXX XXXX XXXX immediately call Chase service. After 25mins wait, explain there's an unauthorized transaction happened at my account, ask service person to block and cancel it. Chase service person said the online bank team just get off from the work, ask me to call fraud department next Monday. 
XX/XX/XXXX, night. 
XXXX. I found my chase online bank account password get changed again! 
XXXX. After I reset password again to login. Then found 1 unknown cellphone and 3 unknown email are added into my chase account and have been set as Primary. I tried to delete them but chase system give alarm the primary get only be changed during working days. So I have to leave thief 's contact in my account! 
XX/XX/XXXX, XXXX XXXX. I call chase Fraud department to ask block the transaction. At meanwhile, start a claim process for the loss. 
2. Fraud service team suggest me go to local branch to close all existing account and re-open the new checking/saving/debit/credit account and card. 
XXXX. I went to chase local branch, did step # 2. 
XX/XX/XXXX, XXXX. I report this case to police station XXXX. I get a call from chase that they suggest me go to local branch to fill a form and FAX back to them for the 2nd step of claim. 
XXXX. I went to chase local branch, fill and sign the form. 
XX/XX/XXXX, XXXX. Received email said chase send me secure message in the app 2. There's no warning/notification/alarm is set in the chase online bank to tell me there's a new secure message and it is hided under 3 level of the system! 
XXXX. The message said the " transaction was processed correctly or was authorized '', " No adjustment will be made '' 4. I'm writing this complaint. 

Long in short, 1. I have reported the issue immediately right after I noticed the weird transaction. 
2. Chase is moving slow and not able to block the transaction after I report the unauthorized transaction and cause my loss. 
3. Chase IT system has severe flaw to leak my online account and password. 
XXXX. Chase IT system has severe design flaw that very easy to reset password, only need to know account number & SSN, which can be leaked anywhere. 
XXXX. Add cellphone, Email and immediately transfer money should be marked as high risk fraud activities but Chase didnt do anything on that. 
6. Chase didn't discuss with me but make a hasty decision that " As we discussed and agreed that no adjustment will be made ''. I feel no respect and don't feel secure of letting chase manage my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Sent money through Zelle on my banking app to complete adoption process and never received the puppy that I was adopting. I have a contract between us saying that the amount sent would be for the adoption and if that wasnt completed that I would get the money back. Money was for XXXX XXXX XXXX XXXX and registration fee. The amount was for {$650.00} process on XX/XX/2021 The companys number that the adoption was through was XXXX puppy ranch

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Concerning Mr. Cooper mortgage company. 

XX/XX/2021 I was notified by XXXX XXXX  via a mobile alert at approximately XXXX my checking account was - {$2900.00}. Noted on my transactions was 2 ACH withdrawals of {$1700.00} XXXX totaling {$3500.00} XXXX from Mr. Cooper mortgage company. I did not authorize these transactions. These transactions were also not listed under my payment activity through Mr. Coopers mobile app. 

I immediately called XXXX XXXX and after 2 phone calls, I was told there was nothing they could do and I was to wait it out ( I have the phone recording ) I attempted to call Mr. Cooper and requested a call back and this never happened. 

I learned of this fraudulent activity through XXXX. Mr. Cooper did not make a statement until later in the day. I received an email at XXXX from them explaining what had happened. 

I also was not notified via Mail that my mortgage was going to increase due to an escrow shortage. I have had this company since XXXX and I am extremely unhappy with their customer service and delayed response to an extraordinary event.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: GA

Complaint narrative:
Approximately XX/XX/XXXX I realized fraud account mixing with other account and sent dispute to Equifax. I escalated the complaint to FTC Report XXXX XXXX is inaccurate and is in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that this account opened this item be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must remove until it can provide all the evidence. Equifax has failed to meet its statutory duties under sections 1681 i ( a ) and 1681 e ( b ) and continues to willfully violated the FCRA of reporting false information and did not delete the fraudulent account. Under the FCRA Section 15 U.S.C. 1681s, this account is in civil litigation against Equifax for fraudulent and unauthorized deceptive practices being committed on their behalf for simply making only cursory investigation into the reliability of information which has harmed me against getting a 2nd mortgage and ridiculously high cost of credit Here are the details of the account : XXXX XXXX XXXX XXXX XXXX Allegedly Opened date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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:
On the weekend of XX/XX/2021 I deposited about {$500.00} into Binance.US 's app to purchase and trade XXXX. So far, I have made almost 200-300 % profit.. yet when I attempted to withdraw my money or XXXX, send it to another XXXX XXXX  exchange for another coin on their platform ... my trading shows up as blocked " due to risk management. '' According to their responses to others on their XXXX XXXX this usually happens in the case of suspicious activity on the account.. however, not only have I completed their advanced verification process that took about a week, I also had never used their platform before this. So I don't understand how my account would be suspicious. 

As of today, my trading has remained blocked for about 2-3 weeks and my XXXX is still in their app and I can not move it out. 

I posted my issue twice to their XXXX Others got their issue addressed within the same day, yet I have had no one get back to me after going through their support email and their company 's XXXX page. It's almost been a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I and two of my family members ( 3 accounts in total ), we all are unable to access to experian score by logging in because after logging in, it take us to " Payment required '' because the card was expired and I was unable to cancel membership on all 3 accounts and put us on free membership and now we're trapped with no way to cancel paid membership and constant redirecting to Payment page.

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 2021-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened Citi XXXX checking and savings accounts in-branch on XXXX XXXX, XXXX, because of a {$700.00} cash bonus offer. The banker let me know I would need a minimum deposit and balance of {$50000.00} for at least 60 consecutive days. 

I deposited {$50000.00} on XXXX XXXX, XXXX, and kept a minimum {$50000.00} balance until XXXX XXXX, XXXX XXXX about 80 days XXXX. 

The offer documentation says the bonus will be credited within 90 days from completing the required actions. However, it's been more than 90 days, and I haven't received the {$700.00} cash bonus. 

I reached out to Citi by online chat and was told I would have to call in about the offer. I called in and was told I couldn't be helped. I feel like I'm not getting an honest investigation and think it's unfair I haven't yet received the bonus after the terms were met and exceeded.

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 2021-04-25 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: FL

Complaint narrative:
Someone open an account in 2017 in my name and it was open fraudulently I tried to get in contact with XXXX XXXX about the secure credit card that was closed for {$66.00} due balance the account was open and XX/XX/2017 I did not open this account it was done against my will someone stole my identity I have an identity protection number from the IRS as a result please remove this account immediately as it was open fraudulently I have uploaded my identity theft report and a copy of XXXX  XXXX  contact information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
They are reporting the wrong date when the credit card was open which should have been off my credit by now which my ex wife that was responsible for it have not made payments on it over seven years I need this fix as i spoke with Equifax and XXXX and have not resolve the issue the date that they are reporting when the account was open is not legit and is a very old account ... .Please help fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They are reporting the wrong date when the credit card was open which should have been off my credit by now which my ex wife that was responsible for it have not made payments on it over seven years I need this fix as i spoke with XXXX and Experian  and have not resolve the issue the date that they are reporting when the account was open is not legit and is a very old account ... .Please help fix this 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 non-monetary relief
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion has not updated my scores since XX/XX/2021, even though all companies have reported changes and corrections to them. I contacted TransUnion and they stated they have 60 days to update however, it has been 60 days and they still have not updated anything. Theyre noncooperation is hindering me from beginning the home buying process.

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 2021-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am trying to close out my loan pay in full can't get no answers from no one XXXX sold loan to sps stating XXXX was investor XXXX false sps states they are investors false XXXX  say XXXX XXXX last investors false go back sps csr say we don't buy loans we not bank we service loan only I say you didn't get memo check my record they say oh I guess you right I don't understand because it all deception still coming from XXXX I signed XXXX XX/XX/XXXX MY ANNIVERSARY WAS XXXX XXXX XXXX FROM DATE OF XXXX  NOT HAMP MOD DATE THE INCENTIVES WERE BASED ON XXXX  AGREEMENT XXXX SHOULD HAVE REACH OUT XXXX  AND CONFIRMED MY ELIGIBLE AND GAVE ME DOCS TO SIGN INSTEAD THEY BREECHED AND I BEEN FIGHT 2YR FIND OUT IF MY NUMBER WERE OUT HAMP REQUIREMENTS 22 % NEVER SHOULD HAVE OFFERED ME HAMP OF DECEPTION NOW I WANT OUT SO I CAN GET SUE XXXX GET MY OVERPAY BACK I PAID INTEREST FOR 27YRS ON 30YR FIXED LOAN AND I HAVE SECOND LIEN RECOREDED THAT DONT EXIST I HAVE TO PAY FIRST THEN WHEN I GET MY TITLE I GONE PROVE HOW XXXX USED A LOST NOTE AFFIDAVIT SIGNED BY HIGH SCHOOL STUDENT ALONG WITH OTHER TACTICS TO STEAL MY HOME OF 32YRS NO DEFAULT XXXX ONLY HAVE LETTER XXXX SAY UNDERSTATED DEFAULT XXXX WAS XX/XX/XXXX TOLD TO PAY ONLY XXXX  BY XX/XX/XXXX YOU ARE ISSUING A 1486 DEFAULT YOU MADE UP SO I QUALIFY FOR HAMP THEN XX/XX/XXXX YOU CLAIM I OWE 999 AND 458 ADVANCE CORP FEE FIRST THING YOU TOOK WHEN MOD BECAME PERMANENT SO I WILL PAY ALL IF YOU INSIST BUT YOU WONT GET AWAY WITH THE DECEIPT I TRY GET YOU WORK WITH ME BUT DID NOT WORK OKAY FOR XXXX TO FABRICATE AMOUNT OWED BUT I GUILTY FOR THE SIGN SO MUCH FOR THE WHITE COLLAR CRIME EVERYTIME I PROVE WHAT XXXX DID I GET NO COMMENT YOU SIGN YOU ACCEPT SO I WANT PAYOFF MINUS MY PROMISED INCENTIVES WOULD LIKE OVERPAYMENT REFUND BECAUSE IF YOU NEVER REFINANCE AT ONE POINT THE PRINCIPAL PREVAIL INTEREST PAYMENT GREEDY INVESTORS HAVE NO RIGHT KEEP LOWERING P AND I IN ORDER TO KEEP GET INTEREST ENOUGH IS ENOUGH I SIGN FOR 30YR EXT RECIEVED NO INCENTIVE XXXX $ PAY CUT I WANT PAYOFF SO I CAN GET JUSTICE FOR OTHER SENIOR GETTING HOUSE STOLE AFTER IF BEEN SOLD 10X ALREADY

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
Company has been sent ( 2 ) debt verification request, the company has failed to comply with the request and it has gone past the 30 day mark as per the FCRA, the company continues unverified and false information to the credit reporting agencies and destroying my credit and reputation, I have made several request for the info to be removed until verified however this has not been the case and company was rude and refused to listen to request instead they continued to hang up on me when I requested to speak with a manager regarding the matter.

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 2021-04-25 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: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
Made several attempts via mail to obtain debt verification however the company has failed to respond within the XXXX days as requested per the FCRA, companies failure to comply with the FCRA with the requested information is in violation ahd is damaging my credit as well as my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Made several attempts via mail to obtain debt verification however the company has failed to respond within the XXXX days as requested per the FCRA, companies failure to comply with the FCRA with the requested information is in violation ahd is damaging my credit as well as my reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Made several attempts via mail to obtain debt verification however the company has failed to respond within the XXXX days as requested per the FCRA, companies failure to comply with the FCRA with the requested information is in violation ahd is damaging my credit as well as my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX invaded my privacy and illegally entered my apartment

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 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received a notice from PayPalXXXX  on XX/XX/2021 that my personal PayPal account in now Permanently ban limited and that I can not use the account to receive payments or do any type of money transfers. The Permanent Ban Limitation provides no explanation of why the account is now banned or why I can no longer do business on PayPal. There is a XXXX day limitation placed on the funds in the PayPal account. On the PayPal website there is no way to try to resolve the issue of having the Permanent Ban Limitation lifted and have the account reinstated. 
I have not violated any of PayPal policy agreements, I do not have any prior disputes, strikes, and limitations on my PayPal account. I would like a resolution of my PayPal account reinstated lifting the permanent ban limitation so there are no restrictions on my PayPal account. As well as an explanation for why the PayPal account was flagged for permanent ban limitation and what I would need to fix the issue to have my account back.

Company response to consumer: Closed with explanation