vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
My account appeared to have multiple IP addresses. Binance US. Froze my account. I have been trying to prove that I am the owner of that account. I proved with video, ID, and selfies. I have been able to buy and deposit dollars. I have not been able to transfer anything out of my account. I am not able to log on and see my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
A fraudulent account was opened using my identity for the company XXXX XXXX. It was opened in the North Carolina XXXX energy on XX/XX/2021. Not only do I not have a XXXX XXXX account, I've lived in Florida for 20 years. I have no knowledge of this fraudulent account and it was sent to collections on XX/XX/2021. It does not belong to me and needs to be removed from my credit report immediately. Please see my drivers license attached as proof that I live in Florida and have for many years, not in North Carolina ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 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: SC

Complaint narrative:
On XX/XX/2021 I filed an identity theft report with the FTC because I am a victim of identity theft. my information is in the wrong hands and my information was compromised by the XXXX data breach.

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 2021-07-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I filed an identity theft report with the FTC because I am a victim of identity theft. my information is in the wrong hands and my information was compromised by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Card was charged for Ashley furniture that I never received. Ashley stated that they sent the cancellation to Synchrony, but Synchrony is still billing me for it. It was for a Love seat and Sofa totaling {$1700.00}. I have reached out to Synchrony several times including disputes. I have also reached out to Ashley furniture. At Ashley, my contact was XXXX. I have been trying to get this resolved for over a 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 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
From the beginning of the pandemic we asked for help. We originally had a loan modification with this company that we asked to be extended because of the pandemic. We actually got XXXX involved but they seemed not to be able to help. We were given a pandemic forebearance where we were told that either we did not have to pay anything or pay what we could. We chose the latter. It was needed because as a XXXX, my wife 's hours had been cut and as a coach and aide my season was cut out and our XXXX building was closed. 
With the pandemic starting to wane, my wife will be getting a raise, and my season is on and once I recover from an incident that was life threatening, I can get back in to the building. I also understand that the company in question settled a lawsuit with my state ( CONNECTICUT ) and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experian has computer problems regarding its online dispute system ... ... for the last 24 hours I have been unable to upload supporting documents for disputes submitted yesterday. 
they are important documents so I have scanned them here. 
1.an ftc id theft affidavit 2.a letter from XXXX XXXX saying they have told experian to remove a XXXX  account which still appears on the bureau report today.

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 2021-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: WV

Complaint narrative:
I cosigned for my grandson student loan in XX/XX/2019 for XXXX been making payments, statement shows principal payments of XXXX and interest of XXXX with a balance of XXXX how do I owe more than the original amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I have contacted Equifax and they keep saying that have not received the documentation. I have sent it to them several time without any response. Please delete this inquiry for XXXX XXXX made on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I have been consistently reaching out to all three credit bureaus to correct an account thats currently reporting twice on my bureau. He has been over six months and still it has not been corrected. I have entered into a payment agreement of {$50.00} with the correct and original company to pay towards the balance due. This should not be reporting on my bureau twice. The original creditor has stated that they are only reporting it once. This needs to be corrected ASAP.

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 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021 I transferred money from my M & T Bank checking account to my XXXX M & T Bank account for the amount of {$400.00} using XXXX. My daughter did receive the {$400.00}. Along with a woman named XXXX XXXX for the amount of {$740.00} {$740.00}. {$240.00}. {$740.00}. {$740.00}. {$740.00} all paid to the above mentioned person. Her phone number is XXXX XXXX XXXX {$1000.00} for merchandise that I did not purchase. 

I have received nothing but the runaround from my bank and anybody else I talk to about this. I thought my money was safe in M & T Bank

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 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
For the second time, I have filed partial release documents with Roundpoint Mortgage and they will not file my partial release. I filed for the paperwork the second time on XX/XX/2021 amd it has been almost a month without Roundpoint even starting the partial release process. 
I did not hear back after I filed the paperwork until XX/XX/2021 ; over two weeks. I was told by my customer advocate specialist XXXX XXXX that she had no updates for me. 
It has now been over a week from that email amd I have still heard nothing and the process has not even started. 
I have waited a reasonable amount of time. This is ridiculous. Roundpoint Mortgage is a negligent incompetent company.

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 2021-07-23 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:
XXXX-after review of my credit report and noticing inquiries that I never authorized, I made contact with the respective creditors first to get additional information and to request that they remove the inquiry and was informed to contact the respective credit bureau to dispute the inquiries. I've since contacted the respective Credit Bureau and was advised by them to contact the creditor to have them remove the inquiry ... so I'm getting the run-around. 

The inquiries in question-XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
The Way2Go  Card is a new way to receive a Nevada Unemployment benefits. On XX/XX/XXXX I called XXXX to speak with a Go Program Customer Service representative about an ATM withdrawal ( in-network ) fee. Based on " XXXX XXXX  Prepaid Mastercard Card Terms of Use '' ( version XXXX ) which was sent with a card : " There is no fee for in-network ATM withdrawals conducted at XXXX and XXXX ATM locations. In-network locations can be found at XXXX XXXX XXXX and XXXX. When using your card at an ATM, the maximum amount that can be withdrawn from your Card account per calendar day is {$500.00}. ". 
On XX/XX/XXXX I tried to withdraw money at locations found on moneypass.com/atm-locator.html which was : 1. XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( card was not accepted ) ; 2. XXXX at XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( ATM charges an additional fee ) ; 3. XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX ( ATM charges an additional fee ). 

When you receive an unemployment benefits every penny is important and you expect to have easy access to full amount received to your account, but a " List of all fees for Nevada Way2Go Card Prepaid Mastercard '' is misleading customers. You would think a fee for an ATM withdrawal ( in-network ) is {$0.00}, but you are wrong. You will be charged an additional fee. This card is for an unemployment benefits and we want an easy and free access to our money. Looks like the only way to get a full amount of benefits for free is at teller-assisted cash withdrawals Mastercard Member Bank or Credit Union teller window.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: IL

Complaint narrative:
XXXX-after review of my credit report and noticing inquiries that I never authorized, I made contact with the respective creditors first to get additional information and to request that they remove the inquiry and was informed to contact the respective credit bureau to dispute the inquiries. I've since contacted the respective Credit Bureau and was advised by them to contact the creditor to have them remove the inquiry ... so I'm getting the run-around. The inquiries in question-XXXX, XXXX, AND XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
fdcpa letter and ftc report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.

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 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF THE WEST
State: NM

Complaint narrative:
I had an unbelievably horrific experience with the Bank of the West ( BOW ). I logged several complaints that referenced the errors in opening the account and subsequent errors by BOW employees. ( BOW response Dated XX/XX/ is attached ) The account was held open for the required period of time to charge off the account. Allowing the BOW to collect insurance and sell the account to collections. 

BOW has listed several complaints filed and has treated every complaint without variation. However, the subsequent complaints are about the errors in the XXXX XXXX response to claim/complaint filed before the closing of the account. 

The Bank has closed all complaints without investigation into the errors reported in the BOW letter dated XXXX XXXX. The last complaint I filed was to have XXXX Credit Reporting agency add my personal statement as I had written my own personal statement. 
Submitted to the CFPB on XXXX # XXXX The Bank response summarizing what the BOW feels is my complaint with no acknowledgement of the request to review its own letter of XX/XX/ and the visible errors admitted and subsequent accounting errors after the admission. 

I continually state there were deposit and automatic withdraw errors on the account. The XXXX XXXX admits one deposit error. However, the rest of the XX/XX/, letter does not account for the admitted BOW system error. I was harmed by the BOW computer system error as evidenced in the accounting of the letter of XXXX XXXX 








The last BOW response included this statement : For questions regarding account activity from XXXX and prior, please contact XXXX XXXX, Retail Customer Services Officer/Vice President at ( XXXX ) XXXX. 

SO, The Bank of the West should have directed XXXX XXXX to respond to the complaint ( s ). My complaint stands. I do not owe the BOW or the XXXX XXXX XXXX. I requested the account be closed in XXXX XXXX The account was not negative with the deposit in XX/XX/. The BOW did not close the account upon consumer request. The account remained open collecting fees not closed until 3 months after requested closure by the consumer. BOW disregarded an open dispute on the account and refused to investigate the damaged caused by system errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and XXXX XXXX format formateignoring to report. 

U S DEPT OF EDXXXX Account ID : XXXX and XXXX and XXXX and XXXX I have exhausted all of my options to resolve this matter and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. 
If there is no proof of debt ( in fact it was paid in full and never being late ) and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCR Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain loan.

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 2021-07-23 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: NY

Complaint narrative:
I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and XXXX XXXX format formateignoring to report. 

U S DEPT OF EDXXXX Account ID : XXXX and XXXX and XXXX and XXXX I have exhausted all of my options to resolve this matter and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. 
If there is no proof of debt ( in fact it was paid in full and never being late ) and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCR Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft fraudulent information listed below is showing on my credit report file but it is not mind. I am officially disputing the fraudulent information and want an immediate investigation. Please remove the fraudulent information immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
I am a victim of Identity theft. I am tired of these things on my report that do not belong to me. 


Please remove immediately

Company response to consumer: Closed with explanation