vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: MN

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2021 I initiated payment from my savings account for the month of XXXX. Mortgagor due to error in the system withdrew funds from my checking and savings account resulting in duplicate payment and overdraft fees. Payment from checking account was not authorized by me but was processed because checking account was previously linked to my loan. Mortgagor error resulted in a slew of problems including insufficient balance and overdraft fees. Two weeks later they are still unable to process a refund. Upon many requests to get connected to a supervisor within payment department, customer service would hang up on me or tell me that supervisor is not available.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will 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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XX/XX/2019 Macy 's has been removed from my credit report.I have documents printed out from XXXX showing that.Before it was deleted, my Macys account was in negative standing because I refused to pay them for the item, that was falling apart after few months of using it but I bought extra warranty at the time of purchase and they were supposed to either fix it or replace it.I have all documents supporting what I did in order to notify Macys about the problem.Since they neglected me all the way so I stopped paying them. That was the moment, when suddenly they knew how to call me back.After few long months of frustration, I received the check from Macys for the damaged item.However, they never refunded me for interest I paid over XXXX period. 
After sending all documents to XXXX, OH, Macys removed my account from credit report at my request since it was killing my credit history and it was impossible to apply for any kind of loan.Now its showing again and my credit dropped down drastically.Calling XXXX wasnt a good idea. Professionally rude, trying to convince me I am wrong and that they dont see in the system what I am claiming happened.She wasnt even willing to take the report number from me so she could see clearly what I meant.Horrible experiencePlease help with removing Macys from all credit reports.You are my only hope.Thank 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 explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to Experian. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items. 
15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER

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 2021-12-15 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: CO

Complaint narrative:
I am having an issue with experian removing a collection from my account. I have had it removed from XXXX and XXXX already. It is a collection from XXXX XXXX. I have never had XXXX XXXX or an XXXX account in my name. This was done by someone else or it is a fraudulent collection. I have tried to dispute it through experian multiple times to no avail. I am not going to pay a collection for which i never had an account.

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 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I applied for a new car loan with Navy Federal Credit Union ( NFCU ) in the amount of {$40000.00} with a trade in ( XXXX  XXXX XXXX ) as well as a {$5000.00} cash down payment. I have an income of {$4200.00} per month and my monthly housing cost is {$1000.00}. 
During the application I was instantly denied. I initially thought this denial would be due to my XXXX credit report being locked. I mistakenly forgot to unlock it prior to the application. However once I received the statement of credit denial, the reason listed is " EXCESSIVE CREDIT OBLIGATIONS IN RELATION TO INCOME ''. 
This information confused me due to my DTI being well below 35 % based on information in my application. Additionally, this decision was made without NFCU having access to my credit report. 
I called NFCU for an explanation on my " excessive credit obligations '' and after being transferred to many different representatives, I was told by XXXX who represented herself as a supervisor, that my DTI is too high. I asked for a review and explanation either by phone or in writing as to how it was determined that my DTI was too high and was told that there is no one above XXXX who will talk to me on this matter. I was also advised that there is no recourse or escalation process that will get a response. I mentioned that the decision felt discriminatory without using my credit report or any further explanation on how my DTI is considered too high and was told that no financial institution is obligated to explain. I requested a complaint be filed for suspected discrimination and was told that I may be contacted but no one would discuss the credit denial with me any further and if I wanted an explanation beyond the letter I have, that I had to re-apply for credit. 
I will not re-apply without an actual explanation on the denial in the first place. I would like this complaint to initiate an investigation into the lending practices for NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have received a copy of my must recent credit report, A public bankruptcy is being reported on my credit file this is inaccurate information. I have contacted each credit bureau with proof I DO NOT HAVE A BANKRUTCY. XXXX XXXX Trans Union stated the information was obtain from XXXX XXXX, XXXX XXXX and my city bankruptcy court have provide me with a letter stating I do not have a bankruptcy with them. 


I would like this Bankruptcy deleted off my credit file...

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 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Over the course of 3 months there has been multiple fraudulent charges made to my account. I have requested PNC Bank close my account, or change the account numbers on my account. They will do neither. My balance was positive, and they still will not close the account after asking multiple times. Due to fraudulent activity along with the issue of charges processing multiple days after posting to the account, and charges reversing just to be recharged and concur fees associated with said charges I do NOT want an account with PNC any longer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Netspend Corporation
State: WA

Complaint narrative:
In XXXX of this year I received a XXXX check from the IRS, not knowing what it was for I contacted the IRS. I was told.it wasn't a mistake and the check was for the check tax credit. They then asked how many payments I have received. I said just 1 check. At that time the IRS agent informed me that 3 payments were sent to a netspend card and the account number ended in XXXX. I then contacted netspend, I was told someone transferred the money off my card onto ANOTHER card in my name. I IMMEDIATELY asked to dispute this transfer as it was not me and I was not.in possession or control of either of these accounts. I asked that I receive a provisional credit and I waited for 14 days for an update, only to be told they found no errors because the person who did it was able to answer my security question that was ( what is your dad 's name ) this blew my mind. I was so.upset at how this was handled I then contacted my local police department to file a report and get help. After contacting nwtspend to ask that they reopen my dispute. They said I had to.wait 7 to 10 days to get and call back and ask them to reopen my dispute. I am.up in arms over this and I need my money back. I have offered to send a picture of my license so they could check ATM pictures and see this was not me. I want netspend to reopen this dispute and issue me or Provisional 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 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I had a crypto investment with Binance.com, a company that eventually got banned in the US. We were given time to withdraw funds to Binance.us. I followed ALL protocols to transfer the funds. Binance.us gave me a disbursement confirmation request. I confirmed the disbursement. The funds left Binance.com but never arrived into Binance.us. 

I have all documentation to prove the withdrawal and deposit request, as well as the disbursement confirmation. 

XX/XX/21 Binance.com Withdrawal Request " Youve initiated a request to withdraw XXXX EOS to the following address : useosbinance MEMO XXXX " XX/XX/21 Binance.com Withdrawal Confirmation " You've successfully withdrawn XXXX EOS to the address. 
Your withdrawal address is useosbinance, txid is " XX/XX/21 Binance.us Disbursement Verification " NAME, we have received your disbursement request made on Binance US and need you to confirm by following the instructions in this email before we can process it. 
ACCOUNT NAME BAM-Linked Account-__________ DISBURSEMENT AMOUNT US $ XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 Confirmed Disbursement, and no money was ever deposited. 

XX/XX/21 Created Support Ticket Support Ticket XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 Created Support Ticket AGAIN Support Ticket XXXX XXXX XXXX XXXX XXXX XXXX - new ticket merged with previous ticket I have since learned that MANY MANY people are in a similar situation. I have received ZERO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have reached out to Capital One and requested information in which I have yet to receive a response. Capital One is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: WV

Complaint narrative:
XX/XX/XXXX Received account letter from KeyBank in prior legal name of XXXX. I have a legal name change. I further contacted KeyBank for the 3rd time ( I kept notes. 1st time on XX/XX/XXXX, 2nd on XX/XX/XXXX ) to close this inactive account in the wrong legal name of which the new card mailed was never even activated by me. I contact KeyBank and was informed that I can not close a prepaid benefit account and that it must be handled by the benefit provider ( who in this case is WV XXXX XXXX XXXXt Bureau ). I again contacted the WV XXXX XXXX XXXX requesting the KeyBank account be closed again this year. My children are all adults and there will be no need for any future services. The account has had a zero balance since XX/XX/XXXX. WV XXXX no longer services the KeyBank account as their vendor has changed. No funds will ever be deposited to the benefits account as confirmed on the WV XXXX XXXX XXXX website and the funds are not transferable to their new vendor. I do not want an open account in my name that further contains my personal information in case there is ever some sort of breach of KeyBank. It should not be this difficult to close an account that is stale for this long! There should be a policy protecting individuals and inactivity of an account should not be left open for fear of fraudulent activity that could somehow occur with an account I no longer monitor or even have access and I no longer have the actual account card in my possession but have been unable to CLOSE the account myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I lost my card and they refuse to issue replacement card when I called customer service they tell me they cant issue new card that they need to change entire account number horribke experience BEVAUSE I have exhausted all card number I need a replacement and their refusing to issue me one give me hard time what type of customer service is this then their was fraud charges transactions made on the card I lost they never reimbursed me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX before making purchases I had a credit balance $ XXXX my actual purchase totaled {$590.00} Subtracting {$74.00} from {$590.00} equal {$510.00}. When I call the credit card it has my current balance {$510.00} / fine. 
There are items not received and some showed delivered that were not delivered. 
I will list all details : Order numbers and dollar amounts charged : XXXX {$320.00} I received XXXX {$110.00} XXXX received last XXXX items today XXXX = XXXX canceled XXXX = {$47.00} XXXX received XXXX XXXX / XXXX XXXXr was missing it was re-shipped / delivered credited & recharged XXXX {$21.00} XXXX received XXXX {$49.00} not delivered/ not received gift to other state Macys was to email me Papers on the mot received item. I made request twice still not received.

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 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
The value of my property increased since 2018, when we bought it. Their website estimates my value at XXXXkand most online info is the same. Stats show average sale price in my subdivision is XXXX. Because of this, when I considered refinancing, their officer waived the appraisal. I called the same company about simply removing the PMI. I was told by rep1 that a review must be done to confirm a value of at least XXXX. I was told no inside review was required, there would be a drive by and I had to pay XXXX for it. I did so- then I was told later by the reviewer that he had to come inside. I then spoke to rep2 at their company, he confirmed they are not doing inside reviews during the pandemic. He tried to find out why there was a switch up with me. He later said he was told an inside review was required for me, although the company has not been doing this. No missed payments, we pay on time each month. Data shows house is well over XXXX in value- the same company was waiving an appraisal for refinance- but, although others have not had inside reviews during the pandemic, I was told today by a manager, XXXX XXXX , that an inside review is required for me. Some type of discrimination is involved. If others have not had it, especially in light of the clear increase in my property value and the pandemic, why is it required for us?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
In the mail XX/XX/21 I received two separate envelopes from Charles Schwab Bank. 
One is a new Debit Card I did not apply for. The other is a notice of funds availability saying {$260.00} was deposited into a new account on XX/XX/21. I did not open that account or set up the debit card. I called, spoke with XXXX in the ID Theft department at Schwab Bank. He gave me case number XXXX and said the account was closed on XX/XX/21. I am very upset because someone - not me- was able to open this account and attempt to transact business on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have received a copy of my must recent credit report, A public bankruptcy is being reported on my credit file this is inaccurate information. I have contacted each credit bureau with proof I DO NOT HAVE A BANKRUTCY. Experian XXXX XXXX XXXX stated the information was obtain from XXXX XXXX, XXXX XXXX and my city bankruptcy court have provide me with a letter stating I do not have a bankruptcy with them. 


I would like this Bankruptcy deleted off my credit file...

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation