vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: DApps Platform, Inc.
State: AZ

Complaint narrative:
On XXXX XXXX of my owned assets experienced a substantial increase in value. As any investor would do, I attempted to sell the asset. There was no option to do so, so I needed to convert it to another asset that could be sold. 
The asset in question is LOVELY. It's a XXXX token so the most logical choice was to convert it to XXXX. Trust Wallet wouldn't allow that transaction to take place. ( screenshot attached ) Upon contacting Trust Wallet support, they gave no actual explanation as to why a XXXX token couldn't be converted to XXXX, but simply said it wasn't allowed and " liquidity ''. 
This is simi; lar to what XXXX did a few years ago with XXXX stock and that was illegal. This nonsense has cost me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Upon reviewing my credit report with XXXX, XXXX, and TransUnion, I discovered several inquiries that were not authorized by me and for which I have no further information. The inquiries are as follows : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Upon reviewing my credit report with XXXX, Equifax, and XXXX, I discovered several inquiries that were not authorized by me and for which I have no further information. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: VA

Complaint narrative:
Complaint Regarding Incorrect Interest Charges on Balance Transfer and Violation of VCPA In XX/XX/year>, I initiated a balance transfer with XXXX for {$15000.00}, which I subsequently reduced to {$7200.00} as evidenced by the attached statement. This amount was designated to accrue no interest according to XXXX. However, in XX/XX/year>, my statement indicated a total balance of {$9700.00}, including the {$7200.00} supposedly interest-free. Despite making a payment of {$4000.00} before the due date of XX/XX/year>, I was charged {$84.00} in interest, which I believe to be inaccurate. 

I assert that this charge is erroneous, as my statement reflected a payment in full before the due date. I am attaching relevant documents to support my claim. I respectfully request your intervention in rectifying this matter, as it appears that XXXX may be engaging in deceptive practices through their balance transfer program. I am seeking clarification on the interest status of the amounts stated on my statement that XXXX claims do not generate interest. 

Furthermore, it is my contention that XXXX 's balance transfer program may be in violation of the Virginia Consumer Protection Act ( VCPA ), particularly XXXX ( A ) ( 14 ) concerning deceptive business practices. The discrepancy between the advertised no-interest balance transfer and the actual interest charges applied undermines the transparency of the offer, potentially constituting a " bait and switch '' tactic. 

I appreciate your prompt attention to this matter and look forward to your timely resolution. Thank you for your assistance in addressing this issue.

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 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express stated they sold my debt to XXXX XXXX XXXX. I requested a XXXX C form but have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
BMO Harris bank told me, in writing, that the next business day after my deposit on the XXXX of XXXX I would have XXXX dollars of my XXXX deposit. The next day that was a lie, there were no funds. I called and asked why at time were no funds showing. They told me fraud department had put a hold on it and it would be available on XX/XX/XXXX. I called today and they still will not release my money. I call the issuer of check and they informed me that the check had already been cashed in and the funds were with XXXX XXXX. They are stealing from me and putting my family at risk of losing our home for a fraud hold that there is no risk of fraud they already have the money. They are liars and refuse to give me my money. Then I was told that i can not close my account when the funds are available. These are my funds they are trying to steal from me and Im sure its based on discrimination.

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 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX stated they sold my debt to Transworld System Inc. I requested a XXXX C form but have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Hello, Reaching out for waiver of late fee charge - {$49.00} applied on my account as my regular payment of monthly mortgage payment on XX/XX/year> was posted against Principal instead by Roundpoint Here is the context : Loan Number - XXXX Name - XXXX XXXX Property Address - XXXX XXXX XXXX XXXX, XXXX NC XXXX Contact # - XXXX I made a regular monthly mortgage payment on XXXX XX/XX/year>. My standard monthly mortgage payment is {$1200.00} but accidentally the monthly mortgage payment made was {$1200.00}. XXXX cents were accidentally missed as part of making the payment from my bank bill pay. As the amount was not exact $ {$1200.00}, the payment {$1200.00} though made for monthly mortgage but instead it was posted against the Principal by Roundpoint. As organization posted the payment against Principal, it was marked that I missed making the regular monthly mortgage payment and late fee of {$50.00} was charged to my account. 

As soon as I came to know about this miss that my monthly mortgage payment was XXXX cents short, I immediately made a payment of {$1.00}. I paid XXXX dollar as I was not sure if a denomination less than XXXX dollar can be transferred from my bank to Roundpoint. So by XX/XX/year> - monthly mortgage payment {$1200.00} plus {$1.00} was made. I spoke with Roundpoint mortgage team and the entry of {$1200.00} applied to the principal was reversed and applied towards monthly payment.

After posting of monthly payment was being fixed, we spoke with different members from Roundpoint team. We told them that we have a spotless paying background and we have not missed any mortgage monthly premium payments earlier not just with Roundpoint but with any other mortgage company in the past as well. Even this time, all that we missed from the monthly mortgage payment was XXXX cents and not the entire monthly payment. Every time during our call, we were assured that Roundpoint understands the situation and that the late fee was waived. 

In the latest monthly bill we received yesterday for statement date XX/XX/year>, we still see the late fee. Can you please waive this late fee as mark of good customer service? We are being penalized with {$50.00} late fee for missing only XXXX cents in our mortgage payment is very harsh decision. If we had missed the entire payment, I would have understood it, but we judiciously made the monthly payment but instead of XXXX we posted XXXX i.e. XXXX cents short. 

Please waive the late fee and confirm. I will sincerely appreciate this gesture and it will increase my respect for your company to support and stand by me when I make a XXXX cents mistake. 

Thanks XXXX XXXX XXXX We laready did email to XXXX and CEO XXXX But no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I the personal representative for the XXXX have sent numerous correspondence to EQUIFAX, XXXX, AND XXXX telling them who the XXXX is and why they shouldn't be displaying information to anybody about a Fictitious Entity. It all started in XXXX I even sent a authenticated Birth Certificate which displays a full faith and credit for this Entity. No reply and the Credit Reporting Agencies still want to display erroneous, false, incorrect, theft by deception information that the Credit Reporting agencies have on file and they know it is not the real living man or woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2024 I was scammed for {$19000.00}. I reached out to XXXX on the phone only to find later that this indeed was not XXXX. I was trying to access the XXXX I had on the app but could not because my phone somehow got a virus. While on the phone, I was instructed to download XXXX apps that would clear up the virus and help me move my money into my bank account. Once completed, I was asked to verify a series of codes. With each verification, the issue was still not being resolved. Unknown to me each code that was being sent was actually an amount being withdrawn from my bank. Although my screen was showing the downloaded app, the perpetrators somehow had remotely accessed my device and change the display on my phone to appear as if it was receiving and recognizing codes. Nevertheless, many of the transactions were declined by my bank only to be approved after numerous of attempts without my knowledge or consent. The scammers syphoned my money through my cashapp and from cashapp to someone elses XXXX. But the money should have never left my bank. Even with advanced technology that the scammers indeed did have, The bank is required to have risk assessment technology to prevent these type of activities. I have banked with them for years, this activity was beyond abnormal for me. Not to mention the transactions were denied ( recognized as possible fraudulent ) and I never approved them and yet were approved later on. I learned this information once filing my claim at my bank. The bank is responsible for protecting my money. It failed to do so. The financial institution I am referring to is Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I have sent a letter in the mail and also emailed the company in reference to the specifics of the letter. The company has not provided or respond to the letter.

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 2024-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: GOLD STAR MORTGAGE FINANCIAL
State: CA

Complaint narrative:
i reached out to gold star financial for an fha loan on a property and everything with the application process went smoothly, up until the pulled my credit i had under XXXX and they said because of that i wont qualify for the fha loan and they where going to refer me to a credit union non fha lender instead, according to the hud website and representative i spoke to if i have less than a XXXX XXXX XXXX i qualify with XXXX percent down which i stated i could do, their actions and responses go against the hud guidelines i reached out to them and they doubled down on the fact under XXXX not allowed for their fha loans which is a direct violation of the policies set in place by hud i feel discriminated against i could afford the loan and qualified for the credit on my income yet they refused me simply because their qualifications go against the rules they should not be allowed to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I the personal representative for the Principal have sent numerous correspondence to XXXX, TRANSUNION, AND XXXX telling them who the Principal is and why they shouldn't be displaying information to anybody about a Fictitious Entity. It all started in XXXX. I even sent a authenticated Birth Certificate which displays a full faith and credit for this Entity. No reply and the Credit Reporting Agencies still want to display erroneous, false, incorrect, theft by deception information that the Credit Reporting agencies have on file and they know it is not the real living man or woman.

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