vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
THIS COMPLAINT IS FOR CRYPTO.COM. THIS PROBLEM HAS BEEN GOING ON SINCE XX/XX/XXXXXXXX XXXX XXXX  XXXX I NOTICED THAT MY ACCOUNT DOES NOT LOOK CORRECT, MOST OF MY INFO WAS GREYED OUT AND I COULD NOT ACCESS MOST OF MY ACCOUNT INCLUDING CUSTOMER SERVICE. FEW DAYS LATER MY BITCOIN VANISHED. 

CRYPTO.COM HAS HAD SOME BREACHES AND HACKS WHERE PEOPLE HAVE LOST MILLIONS OF DOLLARS. I TRIED TO CONTACT CUSTOMER SERVICE IT TOOK THEM SOMEWHAT 4 DAYS TO GET BACK TO ME AND PRETTY MUCH ASKING ME TO REPEAT MYSELF, I REPLIED AND THEY JUST IGNORED ME. MY BANK HAS BEEN TRYING TO HELP GET BACK MY FUNDS AND CRYPTO.COM HAS CAUSED MUCH PROBLEM. I WENT TO THE LAW ENFORCEMENT AND FILED A REPORT. OFFICER XXXX REACHED OUT TO CRYPTO.COM AND THEY JUST IGNORED HIM. OFFICER XXXX HAS STATED THIS IN HIS REPORT. I EVEN SENT OVER THE REPORT TO CRYPTO.COM AND THEY JUST DOING NOTHING. THEY CLEARLY ARE HOPING THAT I WOULD JUST GO AWAY BUT I AM NOT AND WANT MY MONEY BACK. CRYPTO.COM CAN RETURN MY FUNDS BACK TO MY BANK OR THEY CAN RETURN THE FUNDS TO MY ACCOUNT SO I CAN WITHDRAW THEM. A TOTAL OF XXXX. BELOW ARE THE TRANSACTIONS AND DATES. CRYPTO.COM HAS A PROGRAM TO REIMBURSE VICTIMS LIKE ME BUT THEY ARE NOT DOING THE RIGHT THING AND HOPING I WOULD JUST GO AWAY. 

XX/XX/XXXX : {$5800.00} XX/XX/XXXX : {$790.00} XX/XX/XXXX : XXXX XX/XX/XXXX : {$800.00} I WILL ALSO BE FILING COMPLAINTS WITH THE SECTARY STATES OFFICE AND STATE ATTORNEYS OFFICE TOGETHER WITH SEC SECURITIES OFFICE. AND IF NEED BE, I WILL ALSO FILE A COURT CASE. THIS HAS GONE TO FAR AND CRYPTO.COM NEED TO CORRECT THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # : XXXX ; XXXX, Account # : XXXX ; XXXX XXXX XXXX Account # : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF THE WEST
State: WI

Complaint narrative:
No justified reason for not approving my application except discrimination

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 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
Our House was in Bankruptcy with the rest of our items. Untill the XXXX throught it Out Rush More mortage loan company claims that we missed payments from XX/XX/21 to the presnt Date and they just sent back XXXX Payment. So we presented our bank statements of those Dates they claim we missed to our Bankruptcy Lawyer and she Presented them to the XXXX and Rush More Lawyers on the court date.Come to find out they didn't Receive our first Modification forms so the XXXX suggested that we file for another modification so we did that and XXXX  it to Rush More so a few days later we contacted Rush More to see if they received our paper work for Modification the answer was yes they can't proceed. Untill we pay the Payments they claim we missedso we contacted our Bankruptcy lawer. So she say that she can't help Us in this Matter. Order for us to save our Home for last XXXX plus years from Foreclosure we must come up with those Payments That Rush More claims we missed. we need to come up XXXX Dollars by the XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
An account was fraudulently created in my name, in Texas, on XX/XX/XXXX. I wasn't even in the country at the time, and I don't live in Texas anyway. The account is through Comenity Bank. I have tried to contact them directly, but their call center is offline, you can not get through to an agent. 
I added a fraud alert to my credit reports, and froze one ( working on the others ). The agent at XXXX also stated that they would be in contact with Comenity. 
Today I received a card in the mail for XXXX 's, which is also issued through Comenity. 
I think that there are serious problems at Comenity, that they are issuing cards like crazy for all stores that use them, without any subsequent credit checks. My credit reports only showed one credit check from Comenity, but now there are 2 accounts, and probably more coming, backed by this scam of a " bank ''. 
I am XXXX XXXX XXXX, this is incredibly stressful for me, my husband of XX/XX/XXXXyears just died in XXXX. Please help, report this to the FBI and whatever else you can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, FL. XXXX XXXX XX/XX/2022 XXXX XXXX I am complaining against BJs Credit Card Company Master Card XXXX Membership. 
Since over 1 year ago I joint and pay for the XXXX membership with the Master Card Company because according to them with this membership and credit card you will be received 5 % back as money rewards every time you buy product on BJs store, and they do not do this. 
After multiple phone calls that they never respond ; I am taking the step to report this company for Fraud, and false advertisement to customers. 
BJs Master Card XXXX membership. 
XXXX XXXX XXXX XXXX TX, XXXXPlease contact me at the above address or by phone at ( home and/or office numbers with area code ). 
Sincerely, XXXX XXXX. 
VERY UPSET CUSTOMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
AMERIHOME MORTGAGE ACCOUNT XXXX UNDER XXXX XXXX. DAIGNAULT, NEGLECTED TO PAY OUR FEMA FLOOD INSURANCE BILL ON TIME. THEY WROTE A CHECK FROM ESCROW, HELD IT FOR 15 DAYS, THEN SENT IT TO THE WRONG ADDRESS TO A TOTALLY DIFFERENT STATE FROM FROM THE INVOICE REMITTANCE INFORMATION. THIS CAUSED FEMA TO CANCEL OUR INSURANCE. THEN AMERIHOME SENT IT AGAIN TO A DIFFERENT ADDRESS BUT AT LEAST TO THE CORRECT CITY AND STATE. MY WIFE IN FACT SENT FEMA A PERSONAL CHECK TO TRY TO KEEP OUR INSURANCE ACTIVE AS WE HAVE FELT FOR THE PAST YEAR THAT AMERIHOME EMPLOYEES WERE INCOMPETENT. WE HAVE CALLED THEM REPEATEDLY AND EACH TIME THE CUSTOMER SERVICE PERSON COMPLAINED ABOUT THEIR COMPUTERS. WE BAGGED THEM TO TAKE CARE OF THE BILL AND WAS TOLD IT WAS THE INSURANCE DEPARTMENT'S ISSUED THAT THEY WOULD PASS ON THE CONCERN. WE FELT THIS NEVER HAPPENED. AND OF COURSE, WE WERE NOT ALLOWED TO SPEAK WITH THEM. NOW FEMA WANTS $XXXX  MORE TO KEEP OF SAME INSURANCE, WE FEEL AMERIHOME SHOULD PAY THE FEE. THE CHECK NEEDS TO BE IN FEMA'S HAND BEFORE XXXX XXXX XXXX  TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WE ALSO HAVE OTHER SITUATIONS WITH THEM BUT THIS IS THE MOST PRESSING. IF YOU NEED DOCUMENTATION, PLEASE LET ME WIFE KNOW AS SHE HANDLES THE ADMINSTRATION ISSUES OF OUR HOUSEHOLD. XXXX  AT XXXX XXXX.

THANK YOU FOR YOUR ASSISTANCE IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
My house was broken into several years ago and I've been having problems with ppl using my ID to obtain things for years. Pls make this all go away!

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 2022-07-05 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:
My house was broken into several years ago and I've been having problems with ppl using my ID to obtain things for years. Pls make this all go away!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: OR

Complaint narrative:
I am a XXXX person that is getting help with filling this out. 
On XX/XX/2022 I filled a complaint with XXXX, Equifax and XXXX about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than Equifax or XXXX. Equifax and XXXX both sends me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have spoken to equifax representatives 3 times over the past six months. I have not been able to access my consumer report in the last 6 months. I get a " contact customer support '' message when I try to log in through equifax online portal to view my consumer report. 
On calling equifax customer support on XX/XX/2022 I was told that the matter was escalated. I was told once it was fixed someone would contact me via email. I never received a response from Equifax with the matter being resolved. 
I called equifax again on XX/XX/2022 because I was still unable to login to their system to review my consumer report. I was told the matter was escalated to their I.T. department. I was instructed to wait 3 weeks for the matter to be resolved. 
On XXXX XXXX I spke with a representative and supervisor from equifax. I am still unable to access my consumer file which equifax has compiled and shares with other persons. I was told the matter would be escalated witrh the ticket number being # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc.
State: OH

Complaint narrative:
I received a letter from Unifin, trying to collect a debt from another debt collector, XXXX XXXX. 

The debt is for an old XXXX XXXX card. I believe it is past the statute of limitations for collection, being over six years old.

The letter I received does not mention that the debt is uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS ACCOUNT HAS VIOLATED MY RIGHTS ; ( XXXX XXXX XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
THIS ACCOUNT IS STILL SHOWING AS OPENED WITH EQUIFAX AND CLOSED ON XXXX. THE CLOSED DATES, BALANCES AND PAYMENT HISTORY IS INCONSISTENT AND ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # : XXXX ; XXXX, Account # : XXXX ; XXXX XXXX XXXX Account # : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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:
In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # : XXXX ; XXXX, Account # : XXXX ; XXXX XXXX XXXX Account # : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-05 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XX/XX/XXXX, I received an approval letter for a XXXX deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being XXXX days past due, XX/XX/XXXX being reported as XXXX days past due and XX/XX/XXXX being reported as XXXX XXXX XXXX XXXX 
I want this lates removed off my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
For 2 or 3 months ive been trying to get my money from my venmo acct. They said ot was frozen bc negative balance now ive verified my identity and still they are refusing. I put. The money in there and i need it bc my husband jus passed away and times are hard. Ripping ppl off isnt right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I have a loan which is serviced by Selene Finance. I have requested on multiple occasions over the last XXXX weeks a pay-off request so that I can refinance. During this process, I became aware that a pre-payment penalty was added to my account which is not reflected in the original loan documents. I requested that the prepayment penalty be removed and sent in an initial mortgage statement to Selene. Now they are telling me that this statement is not sufficient. They tell me that they do not have a copy of loan documents and advised me to go down to the county clerk 's office to get a copy. I told them the clerk 's office is still closed due to COVID. Each day this goes on, I lose money. Please help.

Company response to consumer: Closed with explanation