vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
On XX/XX/2021, I applied for and was approved for a XXXX XXXX with Continental Finance Company and received an approval email with a reference number. 

Several days later, I am being told that I applied for the wrong card, that there was a display error, and that I should disregard the original card and accept another card that I did not apply for.

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 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We refinanced our mortgage, and in a letter dated XX/XX/XXXX, Freedom Mortgage ( our initial mortgage company ) confirmed that the loan had been paid off. I failed to stop automatic drafts and we had an escrow balance, so the company owed us {$4900.00}. The check did not arrive, so I contacted the company in XXXX, fearing that the check had been stolen from our mailbox or not delivered to the correct location. In this phone call, I was told that the company would stop payment on the initial check and reissue another one. This check never came, so I called again on XX/XX/XXXX. In this phone call, I was told that the person who handled my first inquiry in XXXX wasn't actually able to initiate a reissue of the check, since it hadn't been 30 days since the original check was issued. Evidently this problem had been disregarded, no one followed up with me, and no check was set to be reissued. On this same XX/XX/XXXX phone call, during which I spent roughly an hour on the line, the Freedom Mortgage representative set up yet another reissue. I requested that this check be sent certified mail ( which I said I would pay for ) so it could be tracked, and they said that was not possible. I asked if I could be notified when the check was sent, and they also said that was not possible but I could call again 48 hours from that phone call to follow up. I called back on XX/XX/XXXX, and the representative said that the new check was to be dispersed no later than XX/XX/XXXX and I could call back to check again. I called for a fourth time on XX/XX/XXXX, when the check had not yet arrived, and the representative confirmed that the check was mailed XX/XX/XXXX, and my only recourse was to call back again on XX/XX/XXXX to have it cancelled and reissued again. 
There is no place on their online portal to handle an issue like this in a timely manner, so it seems that my only option is to sit on the phone for extended periods of time. I have received all other postage without issue from Freedom Mortgage for the duration of our time as customers. I was told that the only way for this company to get our money to us is through a check sent in the mail. It has now been nearly four months and the company has failed to provide the money we are owed.

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 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
They are reporting inaccurate and non verifiable item to the Credit bureau and I have send them a letter over 2 months to show me proof of how this come about and nothing from them up todate.

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 2021-11-23 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: NJ

Complaint narrative:
Due to the EQUIFAX data breach, my personal/identity information has been leaked. I, the consumer NEVER gave EQUIFAX my written consent to use, sell, report or hold any of my personal/identifying information to begin with. EQUIFAX has committed " identity theft ''. I am aware the term " identity theft ' as described in15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. I did not give EQUIFAX consent to use, hold, report or profit off of my information, but that's exactly what they've been doing, which has now led to my information being leaked on the dark web after the data breach. Ive submitted my claim for a potential {$20000.00} payout for my losses. Even though my losses were upward of {$200000.00} due to the inaccurate, unverified, unauthorized information they have on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX sent money over to Wells Fargo that was meant to go back to XXXX app. Please see attachments for more details/clarification on 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 explanation
Consumer complaint received 2021-11-23 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. I highly appreciate it if you REMOVE these accounts that are still reporting on my account : XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX CARD SER XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX*** Opened XXXX. XXXX, XXXX Balance {$3900.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX, XXXX Balance {$990.00} XXXX XXXX I, XXXX ( Original Creditor Name XXXX XXXX XXXX ) Opened Date XX/XX/XXXX Balance {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MD

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX I was defrauded by a confidence game scammer that 'hired " me for employment by impersonating an HR administrator for a legitimate company. I was coerced into sending payment for home office equipment via XXXX that I never received, under the pretense that a reimbursement check I was simultaneously sent would cover my upfront expenses. Upon depositing the check, the fraudster stopped the check payment and refused to send the equipment. I then reported the scam ( w/comprehensive detail and offered to provide police reports and supporting documentation ) to Chase on XXXX. At the time, they refused to provide an XXXX on how long the fraud investigation would take or when I would be contacted by an investigator. They also wouldn't take my documentation. I called back on XXXX for an update to learn they denied the claim on the same day ( XXXX ) without communicating anything to me. Highly unethical and not above board. I then asked for a re review and on XXXX, I faxed in a police report, FBI internet crimes report and email exchanges that detailed a clear product not received confidence game swindle. I AGAIN had to call Chase back for an update on XXXX, it was at this time they verbally admitted this was a scam but it was my problem for using XXXX, so they will not assist me and to contact the payer. Contact a fraud network who already refused to give me my money or equipment I paid for? XXXX. I also asked for the customer agent name or ID number along with formal documentation explaining how this transaction isn't covered by Chase fraud protection, and they refused to provide both! Very disappointed in Chase for the appalling way I was treated when I was clearly taken advantage of and defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
They sent me a promotion offering XXXX dollars for the first XXXX spent during the first 3 months. XXXX XXXX called them up and the person I spoke with told me the card they issued me was a different card and I would not be getting the XXXX dollars on the promotion they mailed to me

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 2021-11-23 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: MD

Complaint narrative:
My name is XXXX XXXX ... ... I have repeatedly sent supporting documentation in to all XXXX bureaus proving that I am not XXXX XXXX, my name is XXXX XXXX ... .all of of my reports says XXXX XXXX XXXX What more do I need to do to prove that this IDENTITY THEFT! This credit file needs to corrected, with proper name and addresses, all of these accounts need to be deleted immediately because they are not mine. I have submitted the Identity Theft affidavit and per the FCRA section XXXX, these accounts should be blocked and removed. My name should be corrected and address corrected immediately, I have received no correpsondence from either bureau!

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 2021-11-23 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: FL

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX was charged {$1000.00} by XXXX XXXX a tshirt/souvenir store we made a legitimate purchase of {$38.00} while on vacation in XXXX XXXX GA XXXX 

Called Chase sometime between XXXX and XX/XX/XXXX when I noticed {$1000.00} charge and was told to close card and I wouldn't be responsible. 

Got new card in mail. 

XX/XX/XXXX {$1000.00} refunded to account XXXX {$1000.00} charged to account XXXX and {$1000.00} was refunded XXXX Letter in mail ( attached ) that investigating XXXX charged {$1000.00} XXXX with receipts stating charge valid XX/XX/XXXX called to dispute and was told case would be re-assigned to another investigatoXXXX XXXX in mail again stating found valid XX/XX/XXXX Called to dispute and was told a " Senior account Investigator '' would call XXXX Credit card balance XXXX No one ever called back, called and was told there is nothing Chase can do as the merchant sent receipts ( attached ) I tried right away in XXXX calling the store and there are no valid phone numbers I could find. Chase kept saying that since it was a chip card it had to be valid and I had to have made the purchase in person. I did not, I was not in the store a the time of XXXX shown on the receipt. The signatures aren't the same. I asked and Chase said they weren't able to reach anyone at the store either, they were basing it all ion the copies of the receipts. Besides the fact that I did not make the purchase, I mean there is nothing in the shop that costs that much, its a souvenir shop! And the charge is exactly XXXX, and no one will answer the phone, they have no website and the facebook page hasn't been updated in years. There are so many red flags. We don't live in that area, so I haven't been back to the store. I did call the local police in XXXX XXXX GA to ask if they could assist and was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MA

Complaint narrative:
XXXX, EQUIFAX and XXXX are in violation of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I filed a dispute on XX/XX/2021 for atm cash not dispensed at a non-chase atm in the amount XXXX {$3900.00}, I reached out to chase and they stated they would do a investigation and it can take up to XXXX business days for a verdict. On XX/XX/2021 i received a notice in my app that my claim was denied and the reason was they stated " the transaction was processed according to the information you provided or was authorized ". On XX/XX/2021 I reached out to chase for documentation and to understand how they reviewed XXXX transactions in XXXX day and contacted the atm operator on my behalf which i have the right under XXXX XXXX and them being fdic insured, the first representative stated she did not understand why and forwarded to her supervisor by the name of XXXX, Speaking with XXXX she placed me on hold to review my account and she came back on the line and stated the backend claim team denied it because we cant prove you did not get the money, I asked for supporting documents thinking they reached out to the atm on my behalf but they never provided any supporting documents from the atm and made me conclude that they did not do an investigation and simply denied me because they did not want to do an investigation and to save them time and money which is unfair to me. I asked XXXX to review the charges again and to do a thorough investigation she refused and was not helpful or concerning when a customer is out of {$3900.00} and there was never even a investigation or reconciliation of the non chase atm. I do not get how you deny a claim on a atm that is not yours and you never reach out to the atm on my behalf or have any supporting documents, they basically said your lying and we do not care about you but never had any substantial evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I had XXXX  and was laid off. I applied and received the cares act to pay my mortgage for XXXX  months. The cares act sent in XXXX checks to shellpoint / Newrez who has cashed the checks. The first check was sent end of XXXX. Shellpoint cashed it XX/XX/XXXX. These checks have not been posted to my account. I have been calling weekly trying to get assistant. They tell me they see the checks but has not posted to my account. The cares act office and I got on the phone, spent a hour faxing all the information over and now they are saying we have to do this again. If I do this again, it will be with an attorney. This is just ridiculous

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
Even though the XXXX address is not registered in my account, this address popped up when I wanted to send XXXX in my XXXX wallet to my Binance wallet. I didn't realize this was not my address when I sent the coin on XXXX XXXX PM XXXX. 

When I check the TxID from : XXXX : XXXX I see that the coin is to XXXX address ( XXXX XXXX XXXX XXXX ). I can't reach my money now either from my XXXX wallet or Binance account. 

I opened a ticket to Binance Team, and they directed me to use binance.org instead because I sent the coin from my XXXX wallet. I opened XXXX separate tickets, but no one has replied. There isn't any online support for XXXX as well. 

I am looking forward to having a solution asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: DC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reported on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation