vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC
State: IL

Complaint narrative:
This compass recovery group is calling me several times a day and calling family members of mine claiming they are trying to resolve a legal matter. This company called me 4 times within a 10 minutes time frame

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX, I ordered an item from Best Buy using my Best Buy branded Citibank Visa Credit Card and was charged {$320.00}. On XX/XX/XXXX, I cancelled that order without picking up the item from Best Buy and my card was refunded {$320.00} for the cancellation. On XX/XX/XXXX my card was charged again for {$320.00} by Best Buy and I did not make an order for anything at that time. 

I tried to work with Best Buy to figure out what happened, why my card was charged again, etc ... I had many phone calls into the Best Buy call center, several manager escalations with no one returning my calls. I ultimately contacted Citibank on XX/XX/XXXX to dispute the charge ( Case XXXX ) as I had not received the item therefore I shouldn't be paying for it. Citibank eventually closed my dispute in early XXXX and denied it because they received a screenshot from a Best Buy ticketing system that said the order was charged again because the item was picked up before the order was cancelled. This was a note in a ticketing system and not any sort of proof that I had actually received the item, it could have literally said anything. I reached out to Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX to try and explain to the chargeback department what happened, why I can't prove that I didn't do something, all of my attempts to correct the issue with Best Buy, etc ... They said they would resubmit the chargeback, which I found out was summarily denied on XX/XX/XXXX and said there isn't anything they can do and I should go to the store and see if they can help me. 

Citibank and Best Buy are asking be to prove a negative, that I didn't do something. They are also claiming that I picked up the item with out a Best Buy employee, pulling up the order and processing it. If you have ever done an order pickup at Best Buy, you would know that isn't at all possible, the first thing they do is pull up the order on their computer in order to find the item. I am in a situation where Citibank is holding me liable for a Best Buy inventory mistake and that is fundamentally unfair.

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 2021-05-18 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: MI

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I Recently sent in a dispute to Transunion Around XX/XX/XXXX, that took over 30 days with no response. After that I sent in another request for the unverified accounts to be verified or remove and still some accounts show up on my credit unverified! I thought it was the law for these items i have no idea about on my credit to be verified to me or removed. Can someone please help me get this situated because the credit bureaus are not doing they job

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: MO

Complaint narrative:
I emailed the CEO of XXXXXXXX XXXX, XXXX XXXX and I also tried reaching out to XXXX who I believe owns XXXX XXXX and tried speaking with four Representatives about the the matter but nothing happened and this is affecting my personal life I paid down my debt with prospects of homeownership in my mind. But I guess thats down the drain now. I just want to know how do I loose 74 points for paying down a substantial amount of my debt. I did that thinking that it would help increase my score but it hurt and decreased my score by 74 points. Like what is the real meaning behind a credit score if its meant to hinder poor the poor and not help us Im totally oblivious to REAL MEANING OF CREDIT REPAIR AS OF NOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE
State: KY

Complaint narrative:
In XX/XX/XXXX, my husband and I closed on a house. Our mortgage company was Stockton Mortgage. As part of closing, they collected almost {$1600.00} for property taxes. We found out in early XX/XX/XXXX that the taxes had not been paid. We reached out to Stockton and spoke to multiple people. One customer service representative even informed us that it was not Stockton 's issue/problem. We finally spoke to an upper management person and sent her the statement from the sheriff 's dept. Then on XX/XX/XXXX we received a letter from the county attorney that the taxes had not been paid and were now delinquent. That Friday I reached out to Stockton and emailed the bills to them. I called back the following the Monday and was told they would review them and pay within 10 business days. The letter from the country attorney requested all taxes be paid by XX/XX/XXXX. I was transferred to a supervisor and then spoke to other higher management persons. A resolution specialist was assigned to our case. Since then I have not heard from the specialist. I have reached out multiple times through email and have never gotten a phone call or a return email, neither has my husband. It seems that Stockton is not taking this issue seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian 's web site for providing online credit reports on XXXX, as required by the FCRA/FACT Act, has been broken for me since XX/XX/2015. Yes, that's nearly six years. Experian continues to break the law by not providing me with my credit report online as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one charged me twice. Due to automated payments set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: KS

Complaint narrative:
This collection agency has had no form of communication with me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
You have taken on an enormous job to protect the consumers and ensure that laws are not broken. I dont want to be like a pricking mosquito ; however, Binance.us keeps violating all of my consumer rights. And if they are doing it to me, they are doing it to other small-time consumers. Today, Binance.us sold my crypto without permission, which is totally against the law. I have contacted them repeatedly to release my account so that I can leave their platform. They went ahead and sold my crypto without my permission, and now when I try to send the money back to my account, I get a message that says insufficient funds. I tried to transfer the remainder of my crypto to another platform, and it says my account is disabled even though they have sent an email today telling me that my account is actives and ready to function. Please help as I have no other recourse. What Binance.us has done is illegal, and they should be held to the law like any other company. I am asking your office to protect me, the individual, against this giant XXXX company that thinks it is above American laws. This company is taunting and toying with my emotions. It is causing me to lose money every day and it is making me an emotional wreck. I am anxious and can no longer sleep. This company is causing undue stress and anxiety. I am asking for your help. This is the 3rd complaint I make against Binance.us. I have all the emails to prove all of my complaints to your office. 
Thank you for your consideration in this matter. This situation has become as annoying for me as it is for your office. Please accept my apologies and also my appreciation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I launched an investgation via the webiste of Equifax to dispute a total of 4 errors that are listed under public record on my credit report. I was given a Dipsute Number of XXXX. 

Under the FCRA Equifax has violated the followingLaws : 15 U.S.C. 1681 ( B ) Equifax failed to provide accurate information as it pertians to me listed under public record on my credit report. Per XXXX XXXX this information could not be verified and therefore should be removed. I have enclosed the letter stating so. 

15 U.S.C. 1681i ( A ) Equifax has failed to notifiy me the consumer within the 30 Day period of my initial request of the investigation of any results. I am unbale to access the dispute number that was giving to me via email through their website. There is no record of my dispute at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Bank refuses to close escrow account and refund escrow balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
On XX/XX/2021, I received a call from Commercial Acceptance Company at XXXX while I was at work so I could not answer. Again, I was contact on XX/XX/2021 at XXXX XXXX  by Commercial Acceptance Company. I asked who was calling and the man on the phone refused to tell me who he was. He continued asking me verifying questions saying he couldn't disclose who he was until he made sure he was talking with the right person. I kept telling him I am not going to give my information to someone over the phone that I did not know who I was talking to. He continued being rude saying I have to tell him this information and I didn't. He eventually said he was a debt collector after going back and forth when he refused to say who he was. I told him, I do not know what debt he is referring to. He continued being rude so I told him to stop calling me and send whatever information he has to the address he has. His rudeness and profound language did not stop. He said that he would continue calling me and all my family members until he finds out who I am. Saying he would contact my grandmother and anyone else he needs to. I told him to stop calling me and I hung up the phone. After all his horrible language, an hour later at XXXX, my grandmother received a call from the same debt collector asking for me. My grandmother immediately contacted me nervous for me. His threatening and harassing actions haven't stopped just there. After telling him not to contact me, he continued to contact me roughly 3-4 since that incident where I clearly said stopped calling me and send me anything through the mail. I never received anything in the mail. Then, I receive a final notice in the mail saying I've been ignoring them and have 5 days to respond or they will take additional action against me. They never sent me any debt notices in the mail prior to this final notice. i never received a letter about the invoice of my ALLEGED debt but they sent a final notice? I NEED HELP! THIS IS ILLEGAL! This company is clearly in violations of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
I went into the XXXX room back in 2018 and was fully insured. Under my insurance plan, the deductible had already been satisfied so the visit should either be covered or paid up to 80 % as per my XXXX XXXX XXXX at the time. 

I spoke with an ARS representative and said this information was correctly filed by XXXX XXXX XXXX XXXX but I still owed the full amount of my visit. The rep told me that I could not speak with them and I could only go through ARS to resolve this discrepancy. Since this was an error on XXXX XXXX XXXX XXXX, they should be held accountable for incorrectly filing the claim which has now impacted my credit score for over 3 years at this point. I estimate with the higher interest rates I have paid due to this having an adverse affecting my score is roughly $ 15,000-20,000. 

The only reason I was able to find this debt was due to me running a personal credit report to find out why my credit score won't change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Cardinal Financial Company excepted my application for refinance in XX/XX/XXXX, At the end of XX/XX/XXXX A closing took place at my home, to find out that The finance Company in question canceled the original closing, for mistakes made within there Company, I got no response to why it was cancelled, As A result of there negligence to this important matter, I then asked the loan officer XXXX XXXX if I should continue to pay my mortgage as i always do, I was advised to hold the payment because a new closing was going to take place during the same week the first mortgage closing was cancelled, as A result to the poor advise given to a first timer such as my self i took his advise and held the payment, Now XX/XX/XXXX I have a late payment on my credit report I have now been late charged form my original mortgage servicer 3 Times, And now as a final result Thanks To Mr XXXX I was declined to move forward with the refinance thru Cardinal Financial Mr XXXX XXXX ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX of XXXX, we got a Home Depot Credit Card to purchase XXXX refrigerators. Putting them on the card allowed us to get a good discount. On XX/XX/XXXX, we spoke with an agent who gave us the payoff amount and we paid the balance in full. On XX/XX/XXXX, we were billed an additional {$42.00} late fee, which was incorrect. We disputed this charge with Home Depot Credit Card, but eventually paid it after being threatened that if we did not pay it, it would go on our credit report. We paid the {$42.00}, and our balance was {$0.00}. But now Home Depot Credit Card has reported this to our credit. We have asked numerous times to have this removed, only to be put on hold and disconnected from the call each time. Based on this terrible bait-and-switch service and fraudulent treatment on the part of Home Depot Credit Card, we have asked several times to close our account, yet as of today XXXX XX/XX/XXXX XXXX, our account is still open with a fully available credit limit. The treatment we received is clearly unfair and deceptive, and is consistent across everyone we spoke to ( even after spending an excruciating amount of time trying to get to a live agent ).

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 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
National credit adjusters has contacted me regarding a credit card in my name which I have no knowledge of this account nor did I sign anything for this account ... its thru XXXX credit card company for {$830.00}. I never applied for this account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: AZ

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian keeps retaining credit card information on consumers and tricking them into signing up for paid memberships every time a consumer logs in or checks their credit report. I've repeatedly asked Experian to remove my credit card information from their system and my profile, because I have a free account and am not interested in their paid memberships. They refuse to remove my credit card information and I keep inadvertently getting signed up for unwanted paid memberships. Experian refuses to acknowledge my concerns and request because this is a scam that they use to gain profits off consumers monitoring their credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
i have applied with AmericaxExpress i was denied because of a XXXX in XXXX they denied me based on past history from 13 years ago, when the US was going thru a crisis meltdown their explanation " Cancelled your previous accounts ' File # XXXX I find this Income Discrimanation to hold something against me from XXXX it violates XXXX laws and the credit reporting that now it has passed the limit, but not to give me a card they are red lining me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has again issued a debit card without our request that would access our savings account. It also happened about 2 years ago. It is very upsetting because we didn't ask for it and it accesses our savings account. We already have debit cards that access our checking account. Like we told them last time, we don't want the card and we were upset that a debit card would access our savings account. We have had debit cards compromised before, which seems to happen easily at gas stations and ATM 's per our experience and reading about other people 's experiences. 
Even if our debit cards or checking account are compromised, we don't want the bad guys to access the money in our savings account. Both 2 years ago, and today, they canceled the card and confirmed that our debit cards can not access our savings account. But it seems very wrong to issue credit cards without our request, especially credit cards that access savings accounts! 
We don't need any response or action, but Wells Fargo should stop doing this! 
Thank you, 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