vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
1. XX/XX/XXXX, XXXXCalled Curo Management Credit Report Team about a duplicate inquiry on XXXX  credit file ( XX/XX/XXXX ). I was told the duplicate entry would be erased from XXXX  credit file. However, it remains on there as of today, XX/XX/XXXX. 
2. XXXX, XXXX  and XXXX  all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response. 
3. No response from XXXX XXXX, after letter of verification sent. 
4. XXXX  reporting inaccurate personal information ( multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted. 
5. XXXX reporting Incorrect personal information : Middle names are incorrectly listed as one name ( XXXX XXXX ), when its actually two names ( XXXX  XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: IL

Complaint narrative:
1. XX/XX/2021-Called XXXX XXXX Credit Report Team about a duplicate inquiry on XXXX credit file ( XX/XX/XXXX ). I was told the duplicate entry would be erased from XXXX  credit file. However, it remains on there as of today, XX/XX/XXXX. 
2. XXXX, XXXX  and Transunion all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response. 
3. No response from XXXX XXXX, after letter of verification sent. 
4. XXXX  reporting inaccurate personal information ( multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted. 
5. Transunion reporting Incorrect personal information : Middle names are incorrectly listed as one name ( XXXX XXXX ), when its actually two names ( XXXX  XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.

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 2021-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Ne l Net keeps trying to make me pay for a student loan for a school that was shut down by fraud. They were shut down by the government. This was known as XXXX XXXX Most employers find their license laughable. And wont even accept them or look at you. I went to college there from XX/XX/2008 till XX/XX/2008 because they falsely told you you could graduate at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
Started an account with Binance.us ( Bam trading services ) for trading Cryptocurrency and initially invested {$1000.00}. After their initial verification process and setting up my chase bank account I proceeded with a deposit of {$1000.00} through their online mobile app using my XXXX. The first try to initially deposit the {$1000.00} on the Binance.us app message showed failed and to try again later in which I did as many as 5 times total. At that time I gave up trying to deposit and logged onto my chase account only to discover that all 5 transactions actually went through leaving my chase account in default. I then called chase to stop and reverse these transactions which they did and that caused Binance.us to reach out to me to correct my account which I did. Later on that month I started to make multiple smaller deposits from my chase account which went through and was able to make investments into buying cryptocurrencies up until about XXXX and then started receiving deposit failure messages again and could not deposit or withdraw from my account but it would allow me to trade cryptocurrencies for others. I've submitted many request to Binance.us to fix my account only to receive an automated standard response to guide me through steps in order to help link my chase account again. After many attempts to delete and re-add the App and even log onto my account from an actual computer as well as every step requested by them through email to me I still can't deposit or withdraw from the account. Also to make matters worse I'm getting emails from them about tax statements available for this account which I can't even get into to deposit or remove from so now I'll have to pay taxes on an illusionary account that I can't even withdraw from. I also attempted to leave their exchange and remove coins to another exchange in which that was blocked also from withdrawl. At this point since they have no customer service number and only give automated email responses I don't know what else that I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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:
Complaint # 1 - I attempted ( 8 years ) to resolve the reporting errors on my report with all three ( XXXX, Experian, XXXX ) agencies. Not completed.

Complaint # 2 -I placed a fraud alert, and security freeze on my credit file, which is still accessible, with errors not corrected, and new negative inquiries Complaint # 3 - See attached letter from the IRS regarding my identity and next steps to protect from further damage. I can not obtain credit- period-unsure if credit extended to another?

Complaint # 4 - I request assistance, immediate response with action steps from all three reporting companies per the IRS regulations shown on the attachment.

I will forward the PIN once issued if you require the number for reporting edits. 

Please advise.

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 2021-04-09 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have paid down debt, and had an error corrected that XXXX XXXX  put on concerning a mortgage I have I had in forbearance reporting incorrectly. The scores stayed the same. I believe these private reporting companies keep scores down to sell their high interest credit cards and loans, etc as they make suggestions for these entitie My scores were at XXXX now at XXXX XXXX, here 's your credit snapshot XXXX XXXX Learn more Experian Data XXXX XXXX XXXX 2021 XXXX Fair XXXX Credit Usage

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 2021-04-09 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have paid down debt, and had an error corrected that XXXX XXXX put on concerning a mortgage I have I had in forbearance reporting incorrectly. The scores stayed the same. I believe these private reporting companies keep scores down to sell their high interest credit cards and loans, etc as they make suggestions for these entitie My scores were at XXXX now at XXXX XXXX, here 's your credit snapshoXXXX XXXX XXXX Learn more Experian Data XXXX XXXX XXXX 2021 XXXX Fair XXXX Credit Usage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I deposited {$3000.00} on XX/XX/19, i purchased {$1000.00} ETH and {$300.00} XXXX, XXXX XXXX is incorrect {$450.00} it should be {$1700.00} + my previous balance. i opened several ticket XXXX XXXX XXXX XXXX to resolve this issue, until now, it's not resolve and there's no response and no phone number to call binance.us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: MoneyLion Inc.
State: ID

Complaint narrative:
In XXXX of XXXX, during the pandemic I took a {$1000.00} credit builder plus loan from Moneylion Inc, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Loan number XXXX I broke my foot after taking this loan and was placed out of work for several months. When I returned to work in XXXX of XXXX, I contacted XXXX customer service and they agreed to not submit this to collections, remove the escrow portion of {$500.00} of the loan. Since the escrow would be my own money returned to me and only require to repay the {$500.00} advance portion of the loan. We agreed to make XXXX XXXX of XXXX to repay this, which started in XXXX of XXXX and was sent a confirmation email by the XXXX XXXX representative, on this agreement. I made XXXX XXXX payments from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I paid the loan off in full and have the bank transactions to prove this. XXXX  claims, on my XXXX credit report, that this debt was a charge off and have listed from XX/XX/XXXX until XX/XX/XXXX as each month was a charge off. On my XXXX account, the loan is listed as paid off in XX/XX/XXXX. Infact  I was offered and accepted another {$1000.00} credits builder plus loan shortly after I repaid this XXXX on XX/XX/XXXX. They certainly wouldn't offer this to an account holder with a charged off account. I have disputed with XXXX many times and have shown all the proof that this account was paid and not charged off yet it still remains the same. This was not agreed to as a settlement but a means to repay this and remain in good standings with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I have an account with Robinhood Financial LLC XXXX XXXX XXXX. 

I have {$2300.00} on the account and they will not let me withdraw it nor will they allow me to close my account and then withdraw it. 

They wanted to verify that I own the bank accounts that I used, and I supplied them with all the documents, including bank statements that prove that I am the owner of the accounts. However. they did not allow me to withdraw my money because the XXXX XXXX XXXXXXXX statement I provided was a photo and not a PDF. I now can not get a PDF bank statement from XXXX XXXX XXXXXXXX as I closed my account with them. 

I also do not use XXXX XXXX XXXXXXXX for more than XXXX years now. The bank account I used to deposit funds on XXXX was another account who's statement I provided. 

I have exchanged multiple emails with them for months now and it's ridiculous that because of a format that I can't get my money out! I can't even close my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit Control Corporation at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has failed to validate my debt. I was contacted by this company asking that I pay XXXX collection bills in the amount of {$4800.00} and {$120.00}. These XXXX collection accounts are invalid. I have disputed this debt with them, I do not owe this company. Credit Control Corporation does not have a contract with my signature. Credit Control Corporation has sent me a list of my medical records and medical procedures which is a direct violation of XXXX regulations. I have never done business with this company, I do not owe this debt. Please delete these XXXX credit collections from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistakes as I assume it has to be. PayPal quite frequently. My Email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX # XXXX DOB : XX/XX/1969 XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNT WAS PAID, BUT STILL REPORT TO MY CREDIT REPORT. 

XXXX. XXXX # XXXX - BALANCE OWE ON THIS ACCOUNTS IS " XXXX '' ACCOUNT SHOULD NOT BE REPORT ON MY CREDIT REPORT. 

XXXX. XXXX XXXX # XXXX - I OWE A BALANCE ON THIS ACCOUNTS BUT IT WAS PAID BEFORE I GOT SERVICE AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX # XXXX DOB : XX/XX/1969 XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT WAS PAID, BUT STILL REPORT TO MY CREDIT REPORT. 

XXXX. XXXX # XXXX - BALANCE OWE ON THIS ACCOUNTS IS " XXXX '' ACCOUNT SHOULD NOT BE REPORT ON MY CREDIT REPORT. 

XXXX. XXXX XXXX # XXXX - I OWE A BALANCE ON THIS ACCOUNTS BUT IT WAS PAID BEFORE I GOT SERVICE AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 have sent in dispute letters to experian dated XX/XX/XXXX indicating that a account reporting to my credit report was not mine. The account was from XXXX opened on XX/XX/XXXX with a balance of {$4700.00}. Its been well over XXXX  days and i also sent them a follow up letter and have not received any progress.

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 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington bought First merit and they did not credit my mortgage account ( 3 months ), theyre charging me monthly for something Ive already paid for and coming to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
After several months of diligently working to find a home loan for the area that I am technically unable to move from due to custody of a divorce. Was giving the run around. Asked to put money down to show good faith. They requested for {$1000.00}. I was then asked for an additional {$4000.00} then {$5000.00}. I ended up making sure by date of closing if more money was required down, even throughout k was prepaid to pay it. I was not giving that much out of this process. Instead I was labeled lazy and told I needed to go to work and that I was not honest. The loan officer about being honest to the particular I am a disabled veteran who recently required surgery unexpectedly on left leg. I was told by the loan officer, XXXX XXXX and XXXX XXXX backed each other up and refuted to if I went to work I could own a house. In addition, made comment about my sister who I helped in 2014 battle XXXX. She had zero health or burial insurance. I used a credit card with that were paid off but was subjecting me to a monthly fee after writing XXXX XXXX about the issue each time. There were disputes because the debt was satisfied and no proving information that stated any different. I disputed all three of the these allegedly made accounts and favor was giving after making complaint using credit karma where I get message about erroneous made attempt via a collection agency that XXXX somehow took one account and made it split 3different times. Again, I disputed via XXXX XXXX, and was relieved with a posting of zero owed. But, nevertheless it shows zero with a derogatory lingering entitlement. Had I known sooner I could have did better with what was being shared unknowingly. I was educated and kept up to date thanks to XXXX 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 2021-04-09 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation