vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 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: CA

Complaint narrative:
Made a purchase of {$100.00}. XX/XX/21, XXXX reported my credit at 30 % usage. before regular reporting causing my credit score to drop XXXX points. My balance was @ XXXX. This kind of reporting has occurred in the past causing my credit report to drop eventhough I paid on time. Also, when I tried to make payment for the full {$100.00}. balance I could not because my acct. shows a XXXX balance. Needless to say, the account report on XXXX XXXX XXXX site is not correct. 

In addition, payments made on time directly from my bank 's bill pay have been XXXX in XXXX 's system and credited after the due date. Their records do not seem to regularly updated. 

Though I have circumspect in paying this unsecured credit card on time and minimizing account usage, my credit rating has not improved at all throughout the time I have had this card. There seems to be something wrong with this outcome. I would appreciate your review of these issues. Thank you

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 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
This company randomly put this on my credit report on XX/XX/2020. No notification. Nothing in the mail. No phone calls. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
To whom it may concern. 
I am submitting a complaint against Mr. Cooper. Mr. Cooper is stating there was not sufficient funds in my bank account when they attempted to withdraw my auto-payment on XX/XX/XXXX. This is not true. See timeline below for details. 


1. On XX/XX/XXXX I received a letter from Mr. Cooper indicating my auto payment had been stopped for a reason indicated as other on the letter ( see attachment ). I spoke with a Mr. Cooper rep who indicated there were insufficient funds on the date your company attempted to withdraw the payment from my account. See first attachment of my XXXX XXXX XXXX XXXX account statement for XX/XX/XXXX. You will see there were sufficient funds in my account. 
2. According to XXXX XXXX XXXX XXXX ( my bank ), they have no record of a request or attempt to withdraw funds. My credit union explained that I have overdraft protection on my account. Which means, if Mr. Cooper attempted to withdraw funds, my bank would have permitted the withdraw. If this would have happened the credit union themselves would have penalized me for insufficient funds at the time the withdraw was made. As you can see on my bank statement, there are no penalties for insufficient funds in XX/XX/XXXX. ( see attachments ) 3. I made my mortgage payment as soon as I learned of the issue. See mortgage payment withdraw on XX/XX/XXXX. 
4. Please note that my XX/XX/XXXX mortgage statement indicated payment was received on XX/XX/XXXX. The XX/XX/XXXX statement would have been the first statement or communication I would have received that XXXX mortgage payment was received. 

As soon as I received the letter I made the mortgage payment. I reached out to my bank who confirmed no attempt was made by Mr. Cooper to withdraw funds from my account. You can see there were sufficient funds in my bank account. 

I am in the process of refinancing my home and this has been a major set-back in the process. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Back in XXXX of XXXX, I got a small loan of {$1500.00} from CareCredit to pay for my XXXX to help XXXX XXXX XXXX. I was told it was a low interest credit card for paying medical expenses. On XX/XX/XXXX, I was charged {$400.00} as an " interest payment ''. I called CareCredit to get this resolved because I assumed it was a mistake. I spoke with 3 different people and they all claim the {$400.00} fee was due to a promotion that I was unaware of when I signed up. Apparently I was supposed to pay the entire loan in 1 year in full. Nobody had told me about this promotion, if I was aware of this, I would have paid off the whole thing in full without a problem. Nobody at the company was willing to help resolve this issue. I'm really hoping an agency can help me resolve this.

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 2021-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My all americanexpress accounts were closed on XX/XX/2021 by Amex per the business decision, no appeal is allowed and my XXXX XXXX rewards points can not be redeemed. I have been using Amex for almost 10 years, without any bad record, spent a lot every year, really want to get my rewards back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi Experian, I sent XXXX  XXXX XXXX XXXX Account number # XXXX a letter ( SEE ATTACHED ) on XX/XX/2021 ( SEE ATTACHED PROOF ) and was received by them on XX/XX/2021 ( SEE ATTACHED PROOF ) seeking for them to provide me with proof that the repossession of the subject vehicle was legal in accordance with the following XXXX XXXX XXXX XXXX. Well I never got a response back within 30 days as required by law. I also looked at my credit reports and noticed they didn't mark in the comments " Currently Being Disputed By Consumer '' within 30 days. I even gave them three days to change the comments. If you look at the " attached screenshot '' of my Experian report from XX/XX/2021, the comments shows " Account previously in dispute now resolved reported by subscriber ''. And if you look at the comments from todays Experian report XX/XX/2021 it still shows comments as " Account previously in dispute now resolved reported by subscriber ''. By law they are suppose to send me requested information within 30 days and also update the comment section. As you can also see their last status update was back in XXXX. I have already made a complaint regarding this with CFPB ( SEE ATTACHED ). I love working with you and insuring that I have accuracies on my Experian Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I would request that the items be removed under the CFPB 's Supervision. Once done I would request a copy of my updated report reflecting the new changes. 

I Have disputed this account and it was closed because it was fraud for the amount of {$160.00}. The account was closed on XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 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: OH

Complaint narrative:
I would request that the items be removed under the CFPB 's Supervision. Once done I would request a copy of my updated report reflecting the new changes. 

I Have disputed this account and it was closed because it was fraud for the amount of {$160.00}. The account was closed on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Company failed to explain and address why there is a final balloon payment in the amount of a final balloon payment on the Interest Bearing Principal Balance of {$45000.00} is due on the Maturity date and how this amount is calculated and derived from. How and where the Other Deferred Amounts total is {$1100.00} stems from and how this amount is derived or based on? Why and how the total remaining principal balance that will be due in a balloon payment at the maturity of my mortgage, will be the total of my Deferred Principal Balance and Other Deferred Amounts and the balloon payment resulting from the extended amortization of my mortgage, which will be {$46000.00}. How this amount is derived and calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
All three credit reporting agencies has stated that they have investigated these personal informations and reported accounts listed below : Incorrect name reporting : XXXX XXXX XXXX Incorrect address reporting : XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX Incorrect payment status/history : 1 ) XXXX  XXXX  2 ) XXXX  CARD 2 ) XXXX/XXXX  4 ) XXXX/XXXX  5 ) XXXX  I am 100 % sure that Equifax, XXXX, and XXXX  has failed to investigate my personal information and these account accuracies especially XXXX/XXXX  that is no longer in business and there is no way to verify the validity of this account. XXXX XXXX, XXXX card, XXXX, and XXXX/XXXX  accounts are reporting collection/charge-offs. However, none of these accounts were in collections or ever charged-off. These accounts were paid in full with no late payments. These accounts statuses needs to be updated reflecting that they were indeed closed by the customer, never late and paid as agreed. Again, Equifax, XXXX, and XXXX  has consistently reported each month incorrect information even after I challenged the validity and provided proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: FL

Complaint narrative:
Chase Bank and I had a misunderstanding, which I called and explained RIGHT away once I realized it. I was packing to move and found XXXX cards that must have tightly closed again because they were in a box underneath heavy items. 

I tried to deposit the check because I had no idea if I had done so already or not since the card was closed. 

I realized it was a mistake and notified Chase immediately. NONE of the funds were deposited into my account as Chase put a hold on the deposits. They claim the money was deposited, which is why they refuse to let me take MY $ XXXX funds out of my Chase Checking Account that is MY money. 

Chase apparently required " documentation '' ( although I was not told this until about a week ago and, mind you, this happened months ago. I called every day basically and no one would respond to me. 

I can not open my app for statements because Chase shut down my online app without notifying me. 

See attachments. 

This is a shady bank, in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: SC

Complaint narrative:
I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All three of the credit reporting agencies claim there is some problem after I gave them all of my information and created accounts. Yet, they direct me to their websites to sign up for paid services. Their listed phone numbers to call for help don't actually allow you to speak with anybody, and you have to have a membership to receive support. 

I think this is deliberate. I should be able to request a copy of my credit report through XXXX and ONE of the agencies systems is working. 

The entire thing is down, and the XXXX XXXX XXXX I'm directed to are gamed to get people to sign up for paid monitoring. 

They further claim that they can't get any information on me, which is ridiculous, since I know have items on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All three of the credit reporting agencies claim there is some problem after I gave them all of my information and created accounts. Yet, they direct me to their websites to sign up for paid services. Their listed phone numbers to call for help don't actually allow you to speak with anybody, and you have to have a membership to receive support. 

I think this is deliberate. I should be able to request a copy of my credit report through XXXX and ONE of the agencies systems is working. 

The entire thing is down, and the credit agency systems I'm directed to are gamed to get people to sign up for paid monitoring. 

They further claim that they can't get any information on me, which is ridiculous, since I know have items on my credit.

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 2021-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DRS Financial LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX that my credit score dropped and it was because I owed Capital Collections Services {$410.00} from an account with XXXX XXXX. I had already paid XXXX XXXX directly. XXXX was to notify Capital as we discussed. I disputed this on XX/XX/XXXX with XXXX. The response to my dispute was received on XX/XX/XXXX, Capital reported that the information was accurate that I owed them {$410.00} and was still unpaid, they also change the date of when the charge was placed on my credit report to XXXX back dating it, for which I have evidence they have done this with emails, and screenshots from XXXX. They have committed fraud. I will be contacting an attorney if this is not resolved, removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: MS

Complaint narrative:
Apple Card is refusing to open an account for me because they can not verify my identity supposedly. I have been a victim of identity theft and I am under the military act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three of the credit reporting agencies claim there is some problem after I gave them all of my information and created accounts. Yet, they direct me to their websites to sign up for paid services. Their listed phone numbers to call for help don't actually allow you to speak with anybody, and you have to have a membership to receive support. 

I think this is deliberate. I should be able to request a copy of my credit report through XXXX and ONE of the agencies systems is working. 

The entire thing is down, and the credit agency systems I'm directed to are gamed to get people to sign up for paid monitoring. 

They further claim that they can't get any information on me, which is ridiculous, since I know have items on my credit.

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: IL

Complaint narrative:
On XX/XX/2021 XXXX I sent XXXX BNB from my Trust wallet address to my binance.us app address. It said it was successful in my trust wallet but the funds have still not been deposited into my XXXX account. Also on XX/XX/2021 XXXX am I sent XXXX XXXX from same Trust wallet address to the same binance.us app address. I still have not received those find either. I submitted support tickets with XXXX customer support and have only received automated responses saying they received my request and that they are sorry for the delays. Those are the only responses I have received and have not received my funds yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased an item from this girl named XXXX XXXX XXXX maiden name XXXX XXXX XXXX on XX/XX/2021 for a total of {$210.00} on a XXXX group. She said she would send out the item soon and gave me this tracking number XXXX XXXX XXXX XXXX XXXX After a few days of the tracking not updating, I messaged her and she said she'll drop it off soon. After more days passed, I contacted XXXX and they said she never dropped off her package. I messaged her again asking for a receipt that she dropped it off and she said she'll get back to me and then stopped replying to me and ignored my messages. 

Because I paid with XXXX Friends and Family through a checking account, both XXXX and my bank Wells Fargo won't refund me the money. Wells Fargo said to get in contact with her for the item but she's not responding to my messages and still hasn't sent the item.

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