vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
Lender, XXXX XXXX, locked my rate at 2.875 % on XX/XX/2021 and didn't explain the rate was locked until XX/XX/2021 and what that meant. 
On XX/XX/2021 I was informed XXXX XXXX was no longer with the company, Velocio and she had failed to provide me important details such as other options I had. 
I was unable to close on XX/XX/2021 due to COVID related issues/staffing, the winter storm, I didn't have electricity in the home, causing the XXXX XXXX  XXXX inspection to be delayed, the HVAC system wasn't working, and there was a construction related incident on the 2nd floor of the home causing the HVAC system to be turned off until it was fixed. All of this took place the week of XX/XX/2021 - XX/XX/2021 The issues above were out of my control .My realtor reached out to the Builder manager to ask for perks and the builder offered two items totaling less than {$1000.00}. 
We wanted the rate bought down from 3.65 % to 2.875 %. The monthly mortgage went up by $ XXXX. That is a lot for a single mother who promptly turned everything in. 

Builder : XXXX XXXX ( XXXX XXXX & XXXX XXXX ) Mortgage : Velocio ( XXXX XXXX, XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Old Navy Credit Card Possible Fraudulent Representatives/Activity operating account Called and made necessary provisions to close account early XXXX Credit card fraud result of mobile cell # porting XXXX  listed personal information on Dark web Per XXXX XXXX XXXX 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 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
I got a notification from my XXXX XXXX  to alert me of a negative impact on my credit score on XX/XX/2021. So I reviewed my credit report and saw a derogatory account of {$10000.00} by Hunter Warfield company and another account by XXXX  XXXX XXXX with a balance of {$1600.00} with my SSN. These accounts have never appeared on my credit report before & they are not mine. I do not owe anything to Hunter Warfield and I also do not have a credit card with XXXX  XXXX XXXX. I also found out that there is an unfamiliar address XXXX XXXX XXXX XXXX XXXX, CA XXXX to my SSN, which is not my address & I dont know anyone who lives in 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 2021-03-26 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 am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.

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 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: UT

Complaint narrative:
Early XX/XX/2021 Binance.US locked my account to the point where I was unable to withdraw, deposit or otherwise trade any of the money in my account, a total of {$4000.00}. We are now at the end of the month and after MULTIPLE attempts at contacting the company via their " ticket '' system, I have yet to hear anything from them and my account REMAINS completely frozen. They are in possession of MY MONEY and will not allow me access at all. THIS HAS TO BE ILLEGAL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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:
I am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: NY

Complaint narrative:
I recently dispute three accounts that are showing up on my credit report as paid and closed by collection agencies. These disputes were done on XX/XX/21 and on XX/XX/21. I explained that I sent the police report in several times to have it removed from my account due to identity theft but for some reason they refuse to remove the accounts from my report. I have explained that I am currently looking for a house and these three accounts are really hindering me from keeping my credit report as clean as possible so I can make that happen for my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: AL

Complaint narrative:
I am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Regarding my Apple Card thru Goldman Sachs Bank USA. 
Transaction date : XX/XX/XXXX Merchant : XXXX Disputed amount : {$960.00} Disputed reason : Item not received Dispute closed more than 5 times as " The merchant provided sufficient evidence that you made the purchase '' I have purchased from XXXX during the Covid period. I live in an apartment. 
The shipping company was not able to enter the apartment complex during COVID time so they have dropped the product near one of the apartment entrances ( as per the driver of the shipping company ). 

I tried looking for the product everywhere but unable to find it. I contacted XXXX but they were not able to trace so they told me to contact the shipping company. Shipping company after investigation mentioned package is untraceable. 
I contacted XXXX again for help. They mentioned filing a Police complaint and then contact my credit card to raise a claim. Police have closed the case as untraceable. 

I contacted Apple to file a claim and got the claim filed as well. 
After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' I have never ever told that I did not make the purchase, I made the purchase but never received the product so contacted Apple again. The supervisor acknowledged there is a mistake and then reopened the case. 

Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Spoke to a manager and she acknowledged there is a mistake and then reopened the case. 
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Spoke to a senior manager and she acknowledged there is a mistake and then reopened the case. 
Again, After around the end of 3 months, the claim got closed as " The merchant provided sufficient evidence that you made the purchase '' Repeated many times. As of XX/XX/XXXX, I received a email with the same response " The merchant provided sufficient evidence that you made the purchase '' The case has been open for around 9 months now with no answers. 

Apple Card thru Goldman Sachs Bank USA is a very good card until you have a problem. Once you have a problem, you will be left alone. 

They did not contact me for any evidence or proof and take decisions all alone. Apple card disputes team do not work well and customer service members are unable to resolve. 

As I read online, 3 months was the deadline for a dispute to be resolved as per Federal law but my case has been going on for 9 months and the Apple card representative acknowledges that there is a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I received a letter from XXXX XXXX  stating that I closed my account balance was paid in full. This bank reached out to me offering a concession to pay this balance to XXXX. It was to eliminate the exuberant 29.99 % interest. The bank reported that i closed my account and the credit bureau dropped my FICO score 81+ points. They further reported a late payment for the Month of XX/XX/2021 which further reduced my score. The C/Bureau unfairly limits your ability to type alpha numeric text to XXXX characters and does not allow you to drop a PDF over 6mb which restricts your ability to efficiently and effectively communicate your dispute.

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 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have 16 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit. Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. I know these items are not to report neg payments after they are included in a discharged Bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. I have enclosed a copy of all the neg reporting info showing up on my credit reports and a denial of credit 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 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/2020 my wages were garnished due to an old capital one account. The credit bureaus ( all three ) are still reporting this debt incorrectly and they WILL NOT update it. I am extremely frustrated. My number is XXXX and my email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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, I sent a letter regarding inaccurate and unverifiable information on my credit report. To this day, which is over 30 days later and I am yet to receive a response. As this is not my first time trying to resolve this matter, I feel as if I am being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it clearly states that a failure to investigate these items in 30 days give a reason to immediately remove those items from my credit report. It has been over 30 days and counting, so they should be deleted promptly. I demand that these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX-2020, {$18000.00}. This is not my Debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: NM

Complaint narrative:
I have 16 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit. Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. I know these items are not to report neg payments after they are included in a discharged Bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. I have enclosed a copy of all the neg reporting info showing up on my credit reports and a denial of credit letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have 16 accts that were included in my Chapter 7 Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit. Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. I know these items are not to report neg payments after they are included in a discharged Bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. I have enclosed a copy of all the neg reporting info showing up on my credit reports and a denial of credit 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 2021-03-26 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I receive my check via a prepaid payroll card and on XX/XX/2021 at XXXX my debit card was used at an ATM multiple times to withdraw {$1000.00} from my account. The problem with this is that I had my debit card on me and was in an entirely different city and county when this happened so how is this possible? Also it was done at an ATM so how did they get my PIN? This scammer also went to an ATM in an area I never go to. I don't know how this happened but it did. I didn't find out until the next morning ( XX/XX/XXXX ) and as soon as I found out I called to report the fraud. I told the debit card company what happened and was told they had to do their own investigation and if they found it to be fraud as i claim then they would refund my {$1000.00} that was stolen. I received an email today that stated the banks investigation didn't find evidence of fraud so my claim was denied. I live paycheck to paycheck and due to COVID 19 I am XXXX living in a XXXX  and need every penny I have to keep a roof over my head so what am I supposed to do when my money was stolen the same day I received my paycheck? I told the company I want copies of their evidence that made them come to the decision they did and that I have proof I was nowhere near the city the fraud happened in that day.

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 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: C2 Financial Corporation
State: CA

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX to do a refinance on my house. XXXX tells me she should be able to close in early XXXX of XXXX. On XX/XX/XXXX an appraisal was performed on my home. I sign more documents in XXXX and sent bank statements and pay check after sending initially when I submitted the application. 30 days pass I emailed the broker status On loan and she replies they can not get a hold of my HR department but they got a reply soon as I emailed for status. I told the broker my coworker that works same position as me I work with directly started his refinance process about month after me and just closed in middle of XXXX. XX/XX/XXXX signed closing disclosure and was told few days later needed more documentation and the same documentation I already sent. XX/XX/XXXX I signed another closing disclosure and once more they did not close. I tell the broker that I am dissatisfied how long its been. The broker brings up more excuses that cant calculate my income and needed my paycheck stub once again XXXX my pay stays the same for base pay ) she was going to contact my HR personally and finally get it done. I questioned how this was not figured out earlier 3 months has already passed. XX/XX/XXXX my flood insurance company finally was notified by C2 to switch information with them. XX/XX/XXXX I emailed once again for status and was told waiting for title to switch. XX/XX/XXXX I emailed for status and broker did not reply. This is my 4th home in 12 years and also my 4th refinance I do know what documentation is required.

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 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
XXXX, {$75.00}. Put a collection 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 explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: MI

Complaint narrative:
Today at XXXX EST-i tried to make a payment and their server says that I am not able to make payments between XXXX ( Pacific Daily Time ) I am in EST zone so this should not affect me. This is the 4th or 5th time this has happened. I've brought threats of the CFPB and this company doesn't seem to care. I am trying to pay additional principal down and their website will not allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with

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