vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hi, my name is XXXX XXXX and all three bureaus are reporting my address as New York I have never lived in New York ever. Please delete this address off of my report. I have been a victim of identity theft in the past. My address is XXXX XXXX XXXX XXXX, XXXX TN XXXX, 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 2021-02-06 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: TN

Complaint narrative:
Hi, my name is XXXX XXXX and all three bureaus are reporting my address as New York I have never lived in New York ever. Please delete this address off of my report. I have been a victim of identity theft in the past. My address is XXXX XXXX XXXX XXXX, XXXX TN XXXX, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Lived in a apartment sec8 XXXX Houseing commission moved me in I had mov out it went into abatement it was not liveable the sec 8 stop rent payments and moved me I dont owe them the government does that is who make my rent payments thank you. It was 6 years ago I am still on sec 8 now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
XXXX, XXXX is a corporation. It is an incorporated entity designed to limit the liability of its owners ( called shareholders ). As one of the owners, I am not personally liable for the debts of the corporation. 

XXXX, XXXX was issued a Chase ink Business Cash credit card by Chase ink with account number XXXX XXXX XXXX XXXX. Chase ink did not make me aware that I would be personally liable for XXXX, XXXX Chase ink Cash credit cards debt of {$36000.00} on XX/XX/XXXX at time of its online application website. 

Now, I am XXXX-years old, and have not able to work since my stage XXXX XXXX XXXX XXXX in XX/XX/XXXX. 
I was XXXX from XX/XX/XXXX through XX/XX/XXXX, went through XXXX to remove the XXXX. Thereafter, went through XXXX of 12 cycles, each started with 4-hours XXXX at XXXX XXXX and continued 48-hours XXXX at home from XXXX, XXXX through XXXX, XXXX. 

I had another XXXX and XXXX on XX/XX/XXXX. Dr. instructed me not doing laundry and hire housekeeper doing house cleaning for next 21-days. 

I have, XXXX XXXX, post-XXXX symptom of XXXX XXXX. I also get tired easily in need of lying down from time to time because of XXXX XXXX. In addition to my XXXX on my XXXX  and on my XXXX. 

On or about XX/XX/XXXX Chase ink replied to my dispute by mailing me last three billing statements of the above business credit card to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07 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: Early Warning Services, LLC
State: FL

Complaint narrative:
EARLY WARNINGS is currently in violation of FEDERAL LAW. 
EARLY WARNINGS has obtained my personal, private and confidential information without my consent and in doing so EARLY WARNING has committed identity theft. EARLY WARNING is currently furnishing fraudulent information on a investigative consumer report using my private, personal and confidential information without my consent, knowledge or authorization. These practices are in violation of 15 USC 1681a ( 4 ) because a consumer has a RIGHT to privacy and all consumer reporting agencies must respect that RIGHT. EARLY WARNINGS has violated my RIGHT to privacy by furnishing any information on me as a consumer without my consent, EARLY WARNING has NEVER received ANY consent by myself to have, obtain or use my personal information. 
Pursuant to 15 USC 1681a, a consumer report agency is " any person which, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ". According to CONGRESS in 15 USC 1681a EARLY WARNINGS is a consumer reporting agency and must adhere to all sections of the Fair Credit Reporting Act [ 15 USC 1681 ]. 
This also means that EARLY WARNINGS must adhere to subsection 15 USC 1681b ( a ) ( 2 ). EARLY WARNINGS may furnish a consumer report under the following circumstances and NO other : ( 2 ) " In accordance with the WRITTEN instructions of the consumer to whom it relates ''.

I am the consumer to which this alleged information relates and I have NEVER given written instructions for EARLY WARNINGS to furnish ANY information nor have/use/obtain my personal, private and confidential information. I am gravely unnerved by EARLY WARNINGS BLATANT disregard for FEDERAL LAW in these matters. These violations of FEDERAL LAW clearly and conspicuously disclose EARLY WARNINGS WILLFUL NEGLIGENCE/NONCOMPLIANCE WITH FEDERAL LAW, in violation of 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
I have deposited funds from my bank account to Binance US numerous times. {$1000.00} on XX/XX/2020. {$1000.00} on XX/XX/2020. {$500.00} on XX/XX/2020 and many others. On XX/XX/2020 I attempted two withdrawals of {$1000.00} each from Binance US to my bank account. On XX/XX/2020 I attempted to withdraw {$400.00} from Binance US to my bank account. I never received the emails for disbursement on any transaction. {$2400.00} of my money are now " In Order '' on your exchange with all transactions still pending. Essentially you have locked my funds and they can not be traded nor transferred. I have submitted tickets to tech suppport, contacting you through XXXX and messaging your CEO. No response has been given to me. There is a growing number of frustrated customers on social media complaining of the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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:
XX/XX/XXXX I began XXXX treatment. A few years later I became aware that my identity was stolen. Throughout my treatment Ive relapsed several instances yet attempted to dispute several fictitious accounts. Experian has made this especially difficult for me. They continue to deliberately update inaccurate information although Ive provided several Police Reports, billing statements and documents. For instance Recently in XX/XX/XXXX, my car lender XXXX inaccurately reported my payment 30 days past due. I provided copies of my account information and payment history along with the letter from my lender which granted a 30 day extension. Experian refuses to update the account history properly. Experian is also the only credit bureau of the 3 refusing to remove inaccurate public records. Experian, XXXX and XXXXXXXX all verify public records via XXXX XXXX and ironically XXXX and XXXX removed the false information while Experian is refusing.There is another account XXXX, they refuse removing which Ive also supplied proper documentation for. They removed the historical account information prior to XXXX which proves the first date of delinquency for the stolen vehicle was in XXXX. Following my little brother XXXX XXXX my brother, XXXX was admitted to a XXXX XXXX and The vehicle I co-signed for him was stolen. At the time we were not properly notified because someone changed my brothers address to an unknown place In Arkansas which is where the lender XXXX sent the mail. My mother later contacted XXXX and they emailed her a copy of the final letter after the vehicle was located. I was at this time seeking treatment in XXXX. I have communicated this to Experian, XXXX and XXXX and it seems that Experian wants to ensure the negative history damages my score and trustworthiness. Im convinced this company is discriminating against me.

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 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid for a rental property on XXXX for {$1900.00} using XXXX XXXX on XX/XX//2020 which was funded by my debit card through my Bank of America checking account. The transaction turned out to be fraudulent and the funds unrecoverable from the perpetrator who resides somewhere in XXXX ( unbeknownst to me ). I filed a fraud complaint with XXXX XXXX to which there was no response and they do not have a live help phone number. They subsequently unilaterally closed my XXXX XXXX account. I also submitted a fraud claim via Bank of Americas complaint process which was denied with no good explanation. The letter from BofA doesnt have a phone number which I can call to understand why it was denied. I then called the main consumer banking phone number and was shuffled from department to department to department. I would wait hours on line then the phone would inexplicably go dead. I have tried to reach someone for 3 days with the same result. My father who is a Platinum tier client at BofA also tried calling for me with no better results. If I didnt know better, it would appear the call center is designed to autoroute the calls around departments and ultimately drop the call to avoid dealing with issues. The bank is clearly unresponsive. Not sure how to progress. Im a XXXXyear XXXX on a limited income. Thank you for any assistance you can provide.

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 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
I applied for a refinance with Better Mortgage. I locked in a rate of 2.37. The appraisal on my house came back significantly lower than an appraisal that was completed in XX/XX/2019. When I spoke to the loan officer, XXXX XXXX, she said there was no issue with the lower appraisal. It just required the loan amount to be dropped a few thousand dollars. We continued the loan process and I incurred costs for a mortgage payment and just the general strain of getting documents together. As we were ready to close, I asked why the rate on the lending disclosure was 3.0 and not the 2.37 which had been locked. It took several days for them to get back to me. XXXX XXXX finally emailed me and told me that because the appraisal was lower than what was on my application, they had to raise my rate. XXXX XXXX never responded to any other email I sent regarding how nobody told me the rate was raised until we were at the final stages. I received no response to a question on what amount of loan would be subject to the locked 2.37 %. I got an auto generated email from Better with my appraisal. I also got a refund to my credit card from better with no explanation. To be clear, better emails you constantly with updates, questions and posts everything on their website. But they provided no information to me. They also appear to have removed my documents from the account. 

A company should not be allowed to significantly change the interest rate at the last minute. They also should not be allowed to just end communications once you inform them that youre not willing to allow that type of behavior. 

Had XXXX XXXX informed me the appraisal would increase my interest rate so significantly, I would have challenged the appraisal immediately. I have a current appraisal that sets the value far higher. But I was not afforded any opportunity to address the issue. And Better cut off all communication. 

They tried to rush me into doing a mortgage that would save me {$40.00} a month. Why would anyone be willing to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
XX/XX/2021 - notified quicken loans that I can resume payments - quicken loans offered an option to defer payments on unpaid balance until loand is refinanced or paid off ( or ) to extend terms of payments, reducing monthly amount but paying interest on forebearance amount for full term of time that loan is outstanding. 
- I am looking for another option that modifies the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ID theft affidavit ( XXXX ) and Report to be filed, if necessary ( remaining unresolved fraud ), with XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX USPS mail dated XX/XX/XXXX stated : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process Please request my provision of this original letter should XXXX persevere to obstruct its XX/XX/XXXX letter existence and repeatedly requested provision. 

On approximately XX/XX/XXXX I was made aware of XXXX lease obligation, not by XXXX ; rather, on my XXXX, XXXX and TransUnion credit reports. I email disputed XXXX, XXXX, XXXX and TransUnion. XXXX recognized XXXX fraud and immediately removed XXXX from its credit report. 

I further notified Consumer Financial Protection Bureau, complaint # XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ; without successful resolution. 

There have been 121 subsequent emails to XXXX requesting removal of its XXXX fraud ; including, cc. XXXX  and TransUnion, questioning their willing participation in XXXX fraud. These emails were to : XXXX, XXXX, ExecutiveEsc@transunion.com and XXXX. 

The attached XX/XX/XXXX XXXX letter was received from XXXX XX/XX/XXXX. Please accept its completion. 

Response to ( XXXX ) ID theft affidavit is : name, address, phone # and additional information are : 1. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 2. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 3. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 4. XXXX XXXX, Senior Lead, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX 5. XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, XXXX. 

Attached is XX/XX/XXXX TransUnion XXXX credit report date opened, balance, last payment made and terms duplicity. 

Additionally, attached is XX/XX/XXXX XXXX credit report page 1 names ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ), page 2 - 4, 3, XX/XX/XXXX ( balance, scheduled payment and paid ), responsibility and date opened, page 3 ( status, balance and terms ), balance history ), pages 4 and 5 balance history compelling, irrational and invented fraud.

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 2021-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX, 2021 - I went to the Pep Boys at XXXX XXXX XXXX, XXXX, CA XXXX for some brake work. I thought I had {$500.00} in open credit on my Pep Boys card. I had checked online a week earlier and the credit line was active. The bill was {$400.00}. When it came time to pay I presented my Pep Boys CC and it was declined. I called the customer service number and they said it was cancelled since I had not used it. They said I could re apply. I then paid with my debit card. 

XX/XX/2021 - I needed more work done so I applied again and was approved for a XXXX / Pep Boys card with a {$2000.00} limit. See attached. 

XX/XX/ 2021 - I went to the same Pep Boys location for an alignment and suspension work. The bill came to {$420.00}. I had not received my card in the mail yet but had my account number. I had received an approval email and could log into my XXXX / Pep Boys mobile app showing my XXXX / Pep Boys account. 

The XXXX card was not accepted. I had not received the card in the mail so I did not have the expiration date nor 3 digit code on the back. We called Fortive customer service overseas. They said I needed a pre authorization code. She could not give it to me nor did the cashier know what that was. After going back and forth with XXXX customer service I gave up and paid with my debit card. 

So - fortunately I had money in my account to pay. What would have happened if I didn't? I'm sure they would have kept my car until it was paid.

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 2021-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I was taken to the emergency room of the XXXX XXXX XXXX on XXXX XXXX in XXXX. After being treated and discharged the desk attendant stated that they had my account on file and that I owed no money for the service in the hospital. I exited the building and went on with my life. This is the University XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Two months later I received statements of account asserting that I owed money to the hospital for services rendered, contradictory to the assertation of the attendant. I submitted my insurance and XXXX XXXX  account information to them via telephone. 

A couple of months after that I received another statement stating that I was past due on payments. I again called in and submitted my insurance information to the representative. 

A month after that I received another statement claiming that I was delinquent on my debt. I then used the USPS return slip they submitted to me to return them documentation of insurance and my XXXX XXXX  coverage. 

Finally, after almost 1.5 years, they have again escalated the situation by sending my account into collections, with an incorrect amount. This is negligance in its purest form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing is incorrectly reporting a late payment to XXXX. I have bank account proof of on time payments. This needs to be fixed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/2021 at XXXX XXXX  I sent a payment to XXXX XXXX for XXXX $ in exchange for a used XXXX that he was advertising on XXXX Market place. It all started when I sent a message to XXXX XXXX  who was advertising the XXXX for sale. It was marked at XXXX XXXX I then asked for a video for confirmation that it was working and that everything was in order. We then discussed payment methods, we first tried XXXX XXXX, then cash app, then finally Venmo. Once he had received the payment he blocked me on XXXX and Venmo. I have all the chats saved so if you would like me to send pictures of all the chats I can do that. I then reached out to Venmo and asked if they could stop the payment from going through as it was fraudulent. They told me that there was nothing they could do. I talked to my bank and they recommended closing my account to prevent any transaction from going through. This worked as no money was ever withdrawn from my account. On XX/XX/XXXX I received an email saying my payment did not go through from Venmo due to my bank account being closed. The email then told me that they had paid the scammer anyways and that I owed Venmo XXXX XXXX

Company response to consumer: Closed with explanation