vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

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 2021-05-07 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:
I opened an account at BinanceXXXX in XXXX of 2021. 
I funded the account with a XXXX XXXX transfer and exchanged some to XXXX. I then tried to ACh transfer {$300.00} to my account. This transfer showed in pending status for two months and now shows as settled. I even deposited another XXXX cash in my account. 
All my accounts are settled and in positive balance. But my funds are still blocked from trading or transfer. 
The Binance website sites that the accounts will be reactivated within 5 business days of payments settlement. In my case it has now been two months and all my ticket requests are going to the XXXX  .There is never a response from Binance XXXX 
Binance customer service does not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed a copy of my Transunion credit report on XX/XX/2021 and noticed an inquiry that was unauthorized, inaccurate, or made in error by XXXX at XXXX XXXX  XXXX XXXX, IN 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 2021-05-07 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: Stevens Business Service, Inc.
State: MA

Complaint narrative:
Stevens Business Service is reporting an account under their own name on my credit report. Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only. They are in violation of : 209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( XXXX ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. 
940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : XXXX XXXX ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( XXXX ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the original creditor I have contacted XXXX 's 3 times via certified mail and informed them of their illegal reporting. They have failed to remove their illegal listing. 

XX/XX/2021 I reached out to the Attorney General 's office. The AGO stated that a formal complaint should be filed with the CFPB for removal of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Using my Identity to purchase Computer and others items that do not know?

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 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Title : Bank of America is charging me a fee without telling me upfront. They've charged me {$25.00} after the action is completed. 

I payed {$250.00} on XX/XX/2021 to my Bank of America credit card. 

I had autopay set up to pay the statement balance. Although my current balance was {$0.00} on XX/XX/2021, autopay still pulled {$250.00} to my credit card. 

I ended up with a {$250.00} credit on my balance. I had 2 recent purchases at the time, so my overall credit was {$230.00}. I called BOA and an associate told me that the {$250.00} was processed, she can not cancel the payment, but she can return the extra credit back to my checking account. I agreed. 

This month, BOA charged me : XX/XX/2021 RETURNED CHECK FEE {$25.00} XX/XX/2021 RETURNED PAYMENT UNPAID {$250.00} They've charged me the {$250.00} again, plus a " returned check fee '' of {$25.00}. 

I called BOA, talked to different managers and associates. An associate told me that it may be that I didn't have sufficient fund in my checking account, so the {$250.00} was never processed successfully. The managers didn't even bother to check my account to see why {$250.00} didn't process, told me that it's my responsibility to cancel autopay to avoid double-payment. 

However, I HAD sufficient fund in my checking account at the time ( about {$3000.00} XXXX. 
I called again, this time another associate was able to tell me that, the {$250.00} did not process successfully is because I've called to " stop '' the transaction in XXXX. 

In XXXX, I was informed that the {$250.00} can not be stopped, and was NEVER informed that I have to pay a {$25.00} fee to avoid the extra payment made by BOA autopay to my credit card. Apparently the associate who was assisting me in XXXX didn't know either. 

The fee related to that action was NOT SHOWN on the associate ' screen, according to the last associate I've talked to, the associates are only able to see the fees after fees are processed. 

The managers have denied to refund me the {$25.00}, and it's their " SYSTEM '' that makes the decision, the managers and the associates couldn't overturn that. 

I have to pay the {$25.00} fee because I wanted to avoid double-payment to my credit card. And I was informed that the {$250.00} was PROCESSED, and they couldn't stop that. 

However, the payment was stopped for some reasons, and BOA is charging me {$25.00} on an action that they said to be " can not be canceled '', on an extra payment made by autopay to my credit card, without informing me before the action was taken.

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 2021-05-07 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: CA

Complaint narrative:
I have never taken a loan not made any purchases with their credit. 
I purchased something in XXXX and have my Visa Debit Card to prove I paid for my purchase. 
I have and had some an excessive amount of income credit cards and good credit. 
I can provide proof that I paid for my merchandise using my XXXX Visa Debit Card This is FRAUDULENT

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 2021-05-07 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: TN

Complaint narrative:
THESE COMPANYS ARE REPORTING FALSE ACCOUNTS ON MY CREDIT REPORT THAT I NEVER SIGNED FOR OR USED I HAVE ASK FOR THESE ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT YET THEY HAVE NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: American Coradius International LLC
State: GA

Complaint narrative:
The company American Coradius International LLC is charging me the following amount : {$1500.00} They said that is from XXXX. But I haven't use this account to make this kind of purchases. I don't understand. It's very confusing. Because they don't specify the reason for owing this amount money. 

Date : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: PA

Complaint narrative:
I had noticed on my Experian credit report that on two of my XXXX XXXX, credit accounts the payments were being falsely reported 30,60,90 days late. 
I filed a complaint with Experian 0n XX/XX/XXXX, and they processed the complaint to XXXX XXXX. 
XXXX  XXXX response stated that there original reporting was accurate and that they were not going to make any adjustments. 
On XX/XX/XXXX I started to use XXXX XXXX, a credit managing company that were making all of my credit card payments religiously. Even after presenting blatant proof of the payment report from XXXX XXXX, showing that all of the payments were made on time from XXXX through XX/XX/XXXX, XXXX XXXX and Experian refused to make the proper adjustments. 
These fraudulent acts has damaged my credit score for years! 
On one account : It shows from XX/XX/XXXX - XX/XX/XXXX, 30,60,60,60 days late, all false. 
On the other account : From XX/XX/XXXX - XX/XX/XXXX, 60,90,90,90,90,90,90,90.90,90 days late, all false.

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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I wanted a copy of my credit score and report. I had to create an account and give my debit card info to get their free service. I got the report and cancelled. I was then charged {$21.00}, I called and got a person and they handled the cancellation and my refund. Now Im getting charged again and I have not used the service. Im angry because the charge caused me to have two overdrafts at a cost of {$70.00} plus the {$21.00} they charged me. I called their customer service number and get an automated operator which gives me no options to talk to amspecialist ( their term ). When I ask, it hangs up on me. The website gives me no option to submit a complaint or request to cancel and request a refund. This is with Experian.

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 2021-05-07 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have never taken a loan not made any purchases with their credit. 
I purchased something in XXXX and have my Visa Debit Card to prove I paid for my purchase. 
I have and had some an excessive amount of income credit cards and good credit. 
I can provide proof that I paid for my merchandise using my XXXX Visa Debit Card This is FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/XXXX I leased a vehicle through Chase bank. 
In XX/XX/XXXX I satisfactorily completed the 3 year lease which I had prepaid in one payment at the start of the lease. 
Following the completion of the lease I paid off the residual balance of the lease. In other words I bought back the car by paying off the balance of the lease. 
At that time I expected Chase bank would remove their name from the lease and pass the ownership of the vehicle to me. This did not happened despite numerous requests. Since XXXX attempts have been made to obtain the title to no avail. I have personally requested release of the title 3 times ( every time sending the documentation Chase requested regarding the mileage of the vehicle ). Bank manager of Chase bank ( at XXXX XXXX XXXX, XXXX, AZ XXXX requested the same twice. Chase Private client representative talked to Chase Auto and she was assured the paper work would be mailed immediately. To date, ( 5 moths later ) I still do not have a title or ownership of the vehicle. Meanwhile, he lease residual was paid off by obtaining a loan from another financial institute. The financial institute have requested the title so that they can attach their name as a lien holder. They have been refused the title by Chase bank.. Bottom line, Chase is holding ownership to a vehicle that no longer belongs to them since they have been paid off. In addition, I had to pay for the registration even though ownership has not been transferred to my name. if and when ownership is transferred to me, I have to pay AGAIN for the registration. So basically, losing {$370.00}.

All I am asking is for Chase Bank to get their act together and furnish me with what I am legally entitled to. THE TITLE TO MY VEHICLE. 
This appalling experience is a typical example of a large corporation that can hide their incompetence and arrogance behind their size and get away with it. 
Worth mentioning is that in XXXX I financed a vehicle XXXX XXXX XXXX through Chase bank. In XXXX I paid off the vehicle expecting I would receive a lien release and or title ... ..After many attempts and with the intervention of a local Chase bank manager, I received the lien release in XXXX. That is 32 years later!!!! Based on this, by the time I receive the ownership I will be XXXX year old or dead!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I was signed up for a home Refi for a Jumbo loan. My house has been appraised twice at XXXX XXXX. My requested loan is XXXX XXXX. My assets excluding home equity is over XXXX. My credit score is over 800. Despite all of this Rocket/Quicken loans has gone back on their agreement. Ive provided every document requested and given full access to my accountant. Suddenly my account was closed. The only reason I can see is discrimination based on My XXXX background. My name is XXXX XXXX XXXX. Clearly XXXX origin. I suspect this is a common Quicken loans practice. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items reporting on my credit report. It has been well over 30 days I haven't receive an investigation results.

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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We are trying to refinance our mortgage and the mortgage company needs I to unfreeze my credit ( I was an identity theft victim ) at Experian. The PIN Experian provided, when I froze my credit, did not work online ; and the number Experian provided XXXX XXXX XXXX XXXX ) does not offer a way to unfreeze or speak with someone. The mortgage company has been insistent on this and I are frustrated with not being able to speak with someone at Experian to assist.

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 2021-05-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi, This is my Third Time trying to get THE CFPB, to look at " THE FACT '', that EQUIFAX!! 

EQUIFAX REFUSES TO ACKNOWLEDGE THAT IT HAS TAKEN THEM WELL OVER THIRTY ( 30 ) DAYS. To respond to my Initial Disputes I've sent in, CERTIFIED, and TRACKED as well. Equifax is " CLEARLY VIOLATING MY CONSUMER RIGHT LAWS. '' I've sent in a Dispute on XX/XX/2021. They Keep giving me the Run Around. I NEED THIS SITUATION HANDLED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I made a mistake when I withdrew, the mistake I made was, I had the wrong name for the bank account holder, so the money was pending, and the receiving bank suggested contacting the sending bank. Here 's the chronology : XX/XX/XXXX, I made a withdrawal in my IBKR account, and I made a wire transfer to XXXX, and the process changed to being sent after 2 working days, but my money had not yet entered the destination bank account with a pending status because the name and destination bank account number was different, I hope my money can return to my IBKR account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: LA

Complaint narrative:
I have attempted and spoke with several people on XXXX campus in XXXX, TX. Once I decided I was not gon na attend school at their campus, I called the school within the qualifying days to cancel my classes. I spoke with a Dean and also someone in the Financial Aid Department who told me that they would make sure that I didnt accrue any charges to my account and if i did, they would take care of the charges. The school has since changed Deans so many times ... I have tried to resolve this debt with the school several times and they have recently sold the Debt to a collection agency and dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed a Validation Of Debt and Hipaa Authorization letter on XXXX days later and I still havent received a response which violate my rights.

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 2021-05-07 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: IN

Complaint narrative:
I have made several attempt to address this account with the credit bureaus and creditor but they fail to fully investigate the account in question. The account is reporting inaccurate, incomplete and erroneous information. After reviewing my credit reports and comparing them I have found multiple inaccuracies, incompleteness and erroneous information being reported. The credit bureaus and creditor have received multiple disputes from me about the account but have failed to update or delete this erroneous information from my credit reports.

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 2021-05-07 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
CFPB, Wells Fargo Bank is continuing to report this ( 2017 ) Charge Off INACCURATE account on my credit profile. Wells Fargo is well aware that I'm disputing these inaccuracies with XXXX, XXXX  and XXXX, however they continue to report erroneous information. 
I gave Wells Fargo a written request for Validation Of Debt numerous times and they failed to do so. Wells Fargo informed the XXXX  XXXX  XXXX that they were working with me and provided a Validation Of Debt, but instead they mailed me a copy of Wells Fargo Terms and Conditions in multiple languages, which that was NOT a proper validation. After disputing with XXXX, XXXX  and XXXX  Wells Fargo started BULLYING ME by reporting MONTHLY : MISSED PAYMENTS, LATE PAYMENTS, CREDIT LIMIT DECREASES, CREDIT INCREASES, CHANGING REMARKS, DIFFERENT PAYMENT HISTORY, DIFFERENT ACCOUNT NUMBERS.

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