vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial
State: MA

Complaint narrative:
Back in XXXX I began using a crypto currency exchange called Poloniex. I put in over {$1500.00} in and watched it grow up to $ XXXX in XXXX. Some time passes and I log back into my account in XXXX and noticed my money was gone. The exchange force sold my crypto position, without my permission, at the price of {$1600.00} and said they sent my money to the state of Delaware even though I am from Massachusetts. I have been in contact with the state of Delaware 's office of unclaimed money for years now and they continue to tell me they do not have it. I have been patient and been asking for help. At this point I suspect unlawful actions and need expert help in getting my money back.

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 2022-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
1- SLS offered a loan modification, 2- we accepted the loan modification. 
3- we started paying {$370.00} starting XXXX XXXX ( Attachment # XXXX ) XXXX XXXX ( Atta. XXXX XXXX ) XXXX XXXX ( Att. # XXXX ) XXXX XXXX ( Att # XXXX ) mailed Cash down payment from helping agencies Paid {$11000.00} ( Att. # XXXX ) XXXX Paid all items ( Attachment # XXXX ) 5- Loan modification paid. The down payment, monthly payments. All done. 
6- But SLS continues to call, harassing us. 
7-They want to make us homeless. 
8- I am XXXX, XXXX XXXX, they change the loan modification 9- NEED TO STOP HARRASING, ACCAPT " YES " fot answer

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 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR

Complaint narrative:
I have been in contact with Rushmore Loan Services for the last 2 years. I have been working with them for the last 2 months to transition out of a loan forbearance. My loan is owned by XXXX XXXX. Rushmore offered me a loan modification that extended my loan by 17 years. I denied that offer. I requested a deferral which is an option with XXXX XXXX Rushmore denied my deferral request. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: WA

Complaint narrative:
In XX/XX/2021, I received a promotional offer from Upgrade stating that if I applied for their Upgrade Card and meet certain criteria ( use the card 4 times in 2 months ) and I would receive a {$400.00} bonus. I applied for the card and met their criteria but they have not given me the bonus as advertised. I've called and written several times. When I first called they told me to wait until after the 2nd billing cycle which should have been XX/XX/XXXX. The next time I called I was told my account would be credited after XX/XX/XXXX. When I email customer service again I was told they can only respond to me by telephone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to delete the following in my file. the items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report. please delete items as soon as possible. I wrote to have them delete and was denied and I need them removed.

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 2022-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$800.00}

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 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
We sold and closed on a property on XX/XX/XXXX. It is now XX/XX/XXXX and we have not seen funds yet. On XX/XX/XXXX XXXX XXXX XXXX in XXXX, AZ, closed the sale of our property in XXXX XXXX, AZ. They were to wire the funds to our checking account at Chase Bank. Their bank is XXXX. The wire wasnt sent until Friday the XXXX. The wire has been sitting at Chase Bank since then. They say they emailed XXXX for confirmation that it was legitimate. XXXX says Chase emailed the wrong dept. it has sat at Chase for almost 2 weeks now. I have called them many many times. I contacted XXXX XXXX for help. All three entities are finger pointing, but getting nothing done. I literally have spent hours and hours on the phone trying to resolve and get my entire life savings. I am beyond frustrated. The service Ive received from these institutions is terrible. We signed our sales docs on XX/XX/XXXX and have nothing! Were not sleeping at night, Im at the end of my rope. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
When I signed up for the XXXX credit card I was under the impression that when the initial annual interest rate period was up, the interest rate would be raised. Instead the interest rate was added up for each month and the XXXX worth of monthly payments for 1 year was taken out of my credit card and now I am back to the amount it was when I first got the card. It was misleading as I thought the apr rate was simply changing and it would not be added up like interest on the card through the year.

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 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a XXXX ( XXXX card ) member of American Express for which privilege I pay and annual fee of {$5000.00} a year. I have been an American Express member continuously since XXXX. In short, I am a good customer. I have 4 American Express credit card accounts and for 3 of them I receive statements and pay them in a timely manner. This complaint is about the 4th account- for which American Express refuses to send me statements and consequently is not complying with the terms of the Fair Credit Billing Act, 1974. The Act requires American Express to send written statements to creditors at the address requested by the creditor. I have provided American Express with my home address and I have requested that statements are sent to that address, but American Express refuses to do so. Section 1666 ( b ) a. of the Act states : " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' American Express has not mailed or delivered statements to me. Someone called XXXX called me from American Express on a recorded line and I requested that statements be sent to me in compliance with the Act, but she refused. Now American Express is threatening to discontinue the use of my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
First I would like to say there has been a violation of 15 U.S code 1681 section 602 states " I have the right to privacy '', 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. 15 U.S code 1666b states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ''. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.

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 2022-05-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, TX XXXX FCRA violations XXXX accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1100.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$800.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. {$850.00}

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 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Sent information to be investigated through the creditors and bureaux. It has been more than 14 days and no responds

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 2022-05-25 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:
Sent information to be investigated through the creditors and bureaux. It has been more than 14 days and no responds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I asked to see the contract I agreed to because I never got anything what service was I getting? I was only intrested in how they could help my credit score improve and they have not provided me with any contract or service and charged me and say I owe them XXXX  for services I never agreed to or received I ask Experian to have them prove my original proof of the contract but they only wrote it was verified by the company that is not what I asked it prove nothing I want to see the contract of services they say I received or Sighn For is that so hard to ask show me what I sighned up for! What did I get in return for XXXX  they say I owe this is just fraud they are scammers and has not provided me any service they have damaged my credit and not done anything for 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 explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/2022 amount paid to merchant of {$560.00}, card ending XXXX. Billed by credit card company again for the {$560.00} on card ending XXXX. I contacted the merchant and he said he had only sent one bill for card ending XXXX and that bill had been satisfied. I contacted my bank and they said the amount for {$560.00} had been paid on XX/XX/2022 and it had been credited to my account. I have been fighting with the credit card company and get nowhere. They said the dispute I filed with them had been investigated ( XXXX different times ) and I was responsible for the charge. I have the paperwork from the merchant and my bank stating this bill has already been satisfied.

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 2022-05-25 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: IL

Complaint narrative:
I ve just received my credit report and noticed unauthorized items that shouldn't be reporting to the credit profile. These have been rough times during the pandemic and I'm tuna get to the bottom of the situation

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 2022-05-25 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: CA

Complaint narrative:
I am writing to delete the following in my file. the items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report. please delete items as soon as possible. I wrote to have them delete and was denied and I need them removed.

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 2022-05-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to delete the following in my file. the items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report. please delete items as soon as possible. I wrote to have them delete and was denied and I need them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions Experian has reported incorrect information on my credit report. XXXX XXXX XXXX does not inform of bankruptcy to any credit bureau. Experian also has too many names associated with my credit report that are incorrect. My married name WAS XXXX XXXX and I am currently divorced I am XXXX XXXX XXXX currently now. I have included a PDF that shows everything highlighted that needs to be deleted.

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 2022-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I received a paper in the mail stating about my new account with XXXX XXXX it is a bank XXXX XXXX feature with cash checking checking account that was opened in my name with my credentials but the email address is Someone else 's I never opened this and thand this is the 2nd company that has this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TX

Complaint narrative:
in accordance with the fair credit reporting act # numbers XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights. 

15 u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Post office box XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1100.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$800.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} XXXX XXXX  account. {$850.00}

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 2022-05-25 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations XXXX accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1100.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$800.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. {$850.00}

Company response to consumer: Closed with explanation