vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
On or around XX/XX/XXXX I created an account with Gemini Trust Company LLC. They require submitting government ID to verify identify which I did. Gemini makes claims in advertising and on their website to the effect that once being fully verified, one can trade, deposit, and withdrawal with their exchange. I was able to deposit and withdrawal funds from Gemini from around XX/XX/XXXX to around XX/XX/XXXX. I made several deposits into my Gemini Trust Company LLC account, one on XX/XX/XXXX. I have now been notified by Gemini Trust Company LLC that I need to make a wire transfer into my account to continue to deposit, withdrawal, or buy. This is unacceptable from a consumer standpoint as I have funds being held in my Gemini Trust Company LLC account that I can not access. It was not stated in the TOS or mentioned in any material from Gemini that a wire transfer would be necessary to continue using the service. Allowing a customer to deposit funds and then barring their access to said funds is an unwarranted, suspicious, and malicious thing to do that has left me financially damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Dear Sir, I am a XXXX teacher and my wife is a private kindergarten teacher. I plan to have a refinance for our home and did the internet search, then Amerisave Mortgage Loan originator started to contact me on XX/XX/2021. First, he asked about my and my wife 's income and told us we can qualify for 20 yrs refinanced from 30 years. Then he pursued us to switch to 25 yrs mortgage since we might have a debts ratio problem to qualify for 20 years conventional loan mortgage. Here I want to say our annual salary from me and my wife has around {$90000.00} salary and currently we have around {$20000.00} credit card debt. We went through the credit check and he said we are all over XXXX credit score then he gave us the 25-year loan estimate with a 3 % rate and said we are qualified to apply. After we looked at the load estimate we found the bought 0.585 % points for costing {$1300.00} without disclosed to us from the beginning. Then he said if you plan to live your house for a long time, the buy points is good for us. He said our loan is approved at {$220000.00} with a {$5200.00} closing cost. Our home value is {$300000.00}. Our current mortgage balance is {$210000.00} in XXXX. He asked me to pay {$500.00} for the application fee to start underwriting, then after near closing. He told us that we need to pay {$10000.00} credit card debt to qualify the loan from their underwriting process for closing. Or the cost can add to my borrowed loan! Think of that, if we paid {$10000.00} credit debts, then our credit score should be shooting to a very high score since we have {$90000.00} income with only {$10000.00} credit debts, then why we have only had 3 % offer. I suspect it's their strategy to gain more profit for resale our mortgage. This is the broker who told us that his company resells mortgages to make more profit. If I did not have money to pay off {$10000.00} ( we do not have much cash in our account0, then he will add to our loan. It's unethical. We immediately stop our loan process. We lost {$500.00} and have no idea how much will cost us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: TX

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 123 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I have tried to resolve this issue with the company. This company has responded to complaints with further allegations and continue to damage my credit identity by reporting a fraudulent account. 

According to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract all accounts you post on a credit report. 

I have yet to seeVerifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

This company has stolen my personal information, which is identity theft and I demand resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: SC

Complaint narrative:
I have attempted to resolve this issue with the credit reporting agencies and XXXX XXXX numerous times. This company is reporting 2 identical, fraudulent accounts to my credit report. I have provided an identity theft report and demanded verifiable proof that these accounts.

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 2021-10-24 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
To whom it may concern. 

On XX/XX/XXXX, my card was compromised because I mistakenly responded to a phishing issue while apartment shopping. To make a long story short, I paid {$590.00} to an imposter of the apartment I was shopping, by mistake. I quickly noticed my mistake, and called Barclaycard to address it within two hours of the transaction. One of the associates assured me the charge did not push through, and, to his credit, promptly changed my card number, and I assumed it was the end of this matter. However, I later noticed the charge posted, and called to check again, and was told the charge did in fact go through. I am very disappointed that Barclay had not stopped the charge at the first opportunity when I had quickly reported the problem. 

After three weeks of checking on the status and getting nowhere, on XXXX XXXX, I called Barclays and was told the disputes team could not do anything about this, and they transferred me to the fraud team. The fraud team said they had no record of this charge posting, and I was once again told the charge was still pending. This was very surprising to me as it had reflected on my statement for weeks. I was then told the charge would be canceled immediately and I would see an update within 24 hours. I checked, and saw no change within the 24 hours. 

As I had promptly reported this before the charge had been posted ( as claimed by the first associate ), I expect to be reimbursed for this as this is clearly a mistake of the first associate I spoke to. Thank you for addressing this. Also, if you can track whom responded to my concern, some training issues seem to be in order. I want to mention that I have spent 3 hours over the course of more than five phone calls trying to address this matter. I am unsure about the staffing issues at Barclay, but each phone call required multiple departments and sometimes the waiting time for transferring has been over 30+ minutes. 

I have attached my phone record to document I contacted Barclays the same day of the transaction as well as numerous follow-ups. 

I want to also mention that it has become very difficult to get a hold of the correct department at Barclays in recent months. A few months ago while traveling, I needed to replace a non-working card, and could not get the right department to mail the card to a temporary address. I ended up going the rest of my travels without the card and replaced it back home. It's one thing to have good security, but I got conflicting information from multiple different departments and spent a lot of time navigating such when I could have been told upfront that the card could not be replaced for security reasons.

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 2021-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/2021, Somebody send me a message by XXXX, used the name of one of my friends, ask for money that I send it by mobile ATH. I send {$500.00}. Inmediatly I call XXXX and First Bank Puerto Rico to stop the transaction but at this time they don't notify what happen with my claim and my loss of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hi my name is XXXX XXXX i'm writing to see if i can get help with getting a late payment off my credit report. On XX/XX/2021 this mortgage was paid off in full. Im writing to see if this account can be deleted from my credit permanently. On XX/XX/2021 I had a late payment, but being that this account is payed off i feel that this late payment should be deleted off my credit. I reached out to XXXX XXXX  but they were no help Thank you. 


XXXXXXXX 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 2021-10-24 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: FL

Complaint narrative:
I have been dispute the account with XXXX several times with equifax and they refuse to remove the account eventhough XXXX sent letter that they would cease collection and account has been removed From XXXX AND XXXX please aid in having them remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNB/XXXX  XXXX or XXXX appears on my credit reports as a " Charge-off '' account. However, the {$670.00} charged-off amount consists of a {$180.00} fraudulent expense along with {$490.00} of late fees. This fraudulent expense appeared on a XXXX account, which I never opened, and for the expense to " XXXX XXXX '', which is XXXX XXXX 's wife from the cartoon. I have disputed this at least once per year. The Synchrony Bank has written off the expense and closed the account that I never open, but the {$670.00} expense appears on my credit reports as a charge-off and unreconciled. As a result, the credit score for each agency is XXXX points less. This has led to me not being able to get the best mortgage rate causing {$100.00} 's more per month.

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 2021-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm writing this complaint because I have had several issues with the Transunion. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.

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 2021-10-24 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: PA

Complaint narrative:
Consumer reporting agencies are reporting fraudulent accounts on MY credit/ consumer reports which is a violation of the FCRA , also my right to privacy has been violated under 15 USC 1681b

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 2021-10-24 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: FL

Complaint narrative:
I have had so much resistance with Experian and how there reporting this account. Fcra requres 100 % accuracy and this account is reported a charge for the last six years every month ( Ive included. A video that shows this as well not to mention this account was reaged Im asking for it to be remove from Experian XXXX and XXXX removed Experian is still reporting this is violation

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 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: OH

Complaint narrative:
Hi my name is XXXX XXXX i'm writing to see if i can get help with getting a late payment off my credit report. On XX/XX/2021 this mortgage was paid off in full. Im writing to see if this account can be deleted from my credit permanently. On XX/XX/2021 I had a late payment, but being that this account is payed off i feel that this late payment should be deleted off my credit. I reached out to U.S Bank but they were no help Thank you.

US BANK HOME MORTGAGE 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 2021-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I applied for a Citi / AAdvantage Platinum Select World Elite Mastercard on XX/XX/XXXX. The application system said that, if approved, I would receive a temporary card number to use the card. I got approved but never received the temporary card number because of a glitch in Citi 's system. 

I called Citi, and the customer service representatives confirmed it was a glitch. Citi mentioned ( on a recorded line ) that new cardholders are not getting temporary card numbers, that they have IT checking the issue, and that for me to use ( or cancel ) the card, I would have to wait for the actual card to arrive, which would take from 7 to 10 days. I got this card because of a promotional offer ( a {$250.00} statement credit ) to buy American Airlines plane tickets, and waiting for seven days would defeat the whole purpose ( as prices would increase ). 

Their current system is deceiving and ( in its current state ) lies about how they conduct business practices. I believe, from their admission on a recorded line, that this issue has happened more than once and as such could be considered deceiving business practices.

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 2021-10-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
According to fcra accounts must report 100 % accuracy the payment history is completely inaccurate and looks like Wells Fargo is reporting the account chargeoff EVERY MONTH EVENTHOUGH ACCOUNT CLOSED A PURS VIOLATION INACCURATE reporting not to mention. The days are showing 30 60 XXXX  XXXX  how does that make since???

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 2021-10-24 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: IL

Complaint narrative:
As a victim of identity theft, in XX/XX/XXXX, the Federal Trade Commission issued me a recovery plan to follow step-by-step. The plan directed me to send a copy to Equifax. After equifax received it, they deleted the item. 
This item that they deleted, had appeared in XX/XX/XXXX without any notification by equifax as required by the law. I sent them a protest letter that they failed to notify me. Equifax responded that they completed the investigation and they verified it belongs to me I obtained new identity theft report and sent it equifax. On XX/XX/XXXX equifax deleted the item. This item reappeared for 2nd time without any notification by equifax as required by the law.

Since then I sent 5 additional letters, begging, requesting, asking equifax to provide me the description of the procedures used to verify this item. In addition, the attached letters here show that the information regarding this account have been changed and equifax is reporting them with different value, such as date when was open, 1st delinquency, date of last payment etc. The date when was closed is missing and this makes the account incomplete. Equifax have been notified multiple times of these errors and they are aware of these errors. 

So far, equifax have not responded to my letters how did they verify this belongs to me, why they are keeping this account in my file, knowing the fact that it is incomplete, and why does this account is now reported with different values from what it used to be before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts are required to report with100 % accuracy. The payment history on Experian records reflect multiple consistencies Ive include video below not to mention that each time I reach out and complain about this account the agency chastises me and reports it as chargeoff how can a closed account report as charge off Im requesting removal of this account for the violation. Not to mention. I never had a {$1900.00} credit limit this has been rigged

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 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: GA

Complaint narrative:
By XX/XX/21 I made a final payment totaling {$1800.00} in turn, I was told that the account would get DELETED from my credit report, not paid in full that arrangement was stressed and made clear before the payment was made. Fast forward to now and it is being reported incorrectly. I spoke with XXXX XXXX ( account rep ) who promised me to delete said account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a bankruptcy chapter XXXX on my credit report. Stating that i have filed for bankruptcy on XX/XX/2021. This is incorrect and should be removed immediately. I have not filed for bankruptcy chapter XXXX. If this is not removed immediately, then you are deliberately going against the fair credit act. Knowing that this information that is reported is incorrect, but fail to remove it. Is illegal. And defaming my name. Please remove this incorrect account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect spelling of my name is still on my report after i sent numerous complaints to have it removed. I think i know how to spell my name. My name is XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX Also i have 1 address. The Florida address should be the only address listed. I do not live in Michigan at those other addresses. I am a Florida resident. It is my right to have incorrect information removed. Can you please remove these incorrect addresses immediately?

Company response to consumer: Closed with explanation