vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed multiple times collection accounts with XXXX Transunion and XXXX that I am longer liable for, these accounts have been bought therefore I am no longer liable. They refuse to remove them from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TX

Complaint narrative:
I have disputed multiple times collection accounts with XXXX XXXX and Equifax that I am longer liable for, these accounts have been bought therefore I am no longer liable. They refuse to remove them from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Dyck-O'Neal, Inc.
State: CA

Complaint narrative:
I was told by my 2nd mortgage company XXXX XXXX XXXX or XXXX  XXXX  that they sold my loan to Dycko'neal that my balance was XXXX that my first payment with them was going to be on XX/XX/2021 I tried to make a payment and call them. the woman that answer told me that she did not have any information on the account that it was new that they will send me a letter. 
the first letter they send was confirming the same amount XXXX but on XX/XX/XXXX they send me a letter saying that they made an error and that I owe them XXXX because of interest, how is this possible from one month to another I don't understand is this even legal not once they ask me if I was to pay the whole balance of XXXX and they never told me what interest they were going to charge if I did not pay the whole XXXX with my prior XXXX  XXXXXXXX XXXX I was paying XXXX a month no interest afterI modified my first mortgage with XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TX

Complaint narrative:
Dear Credit Reporting Agency ( XXXX XXXX or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
COLLECTIONS XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} On time XXXX XXXX XXXX {$3800.00} On time XXXX XXXX XXXX {$1900.00} On time AD XXXX XXXX XXXX {$320.00} Needs attention HIGH XXXX XXXX XXXX XXXX {$190.00} Needs attention XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Bank As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
We were scheduled to close today XXXX XX/XX/21 XXXX. The title company 's notary showed up with an outdated closing disclosure XXXX CD ) that was dated XX/XX/21 ( the most recent advance copy we had received was dated XX/XX/21 and all parties agreed to it XXXX. We told the notary we would not sign the incorrect paperwork. Then the notary said he possibly received an updated CD on the drive over. He checked his email and said he did receive updated paperwork, but would need about an hour to go and print new closing documents. He came back with a CD that was still different than the CD agreed upon between us and Freedom Mortgage. Specifically, this new CD had us owing MORE money at closing without anybody from Freedom Mortgage ever contacting us about that. In fact, I have an email from Freedom Mortgage at XXXX XXXX  today verifying the cash at closing would be {$1700.00} XXXX yet it somehow increased XXXX. Even if we wanted to pay the extra money the bank was closed, and we already had a cashier 's check for the amount Freedom Mortgage verified earlier today. We were forced to either walk away or feel pressured to agree to the new loan terms at the time of signing. We refused to sign the closing documents at tonight 's second offering.

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 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: OK

Complaint narrative:
Hello, The following situation occurred since XX/XX/2021. 

XX/XX/2021 : I sent virtual currency assets from the app XXXX XXXX to the online exchange Gemini.com. Gemini received my XXXX UNI ( uniswap asset. ) This same day, Gemini confirmed the transaction. 

XX/XX/2021 : On Gemini.com I sold my XXXX XXXX for XXXX. This XXXX balance is, as of writing, still on my Gemini.com balance. I then see that Gemini.com and their XXXX app do not allow me to send my XXXX balance to my bank accounts as a XXXX transfer. I use both XXXX XXXX and XXXX ; either allow me to receive USD or EUR currencies ( with respective instructions. ) I follow these instructions as per Gemini, XXXX, and XXXX, and am unable to withdraw my XXXX balance because it doesn't match the default balance of my USD XXXX XXXX account. 
I email Gemini support : I am a customer of Gemini. I just sold my XXXX on Gemini, and now have a balance in EUR euros. I would like to send this EUR balance to my bank account ( XXXX XXXX XXXX, whether in EUR or USD. I am using the Gemini app for this. I add my XXXX XXXX bank account via Plaid, but afterwards XXXX XXXX doesn't stay as a payment method. I really need my money in my XXXX XXXX bank account please so I can pay my bills. 
Gemini sends me an email that they have received my support request / note. 

XX/XX/2021 : Gemini emails me that a test money transfer of {$1.00} has processed. However, at this rate it is too late to access my account. I am unable to access my Gemini account because it uses 2-factor authentication to message my American phone number, which I lost access to in the past few days. I can log into my Gemini android app, but I can not change 2-factor authentication there. I can not log into Gemini.com for the website 's full features of sending EUR to my XXXX or XXXX. 
I email Gemini support that they are holding my EUR balance without a response for 7 days, and that I am unable to access my Gemini account due to 2-factor authentication. 

Please, I must receive my money in a timely fashion. I must pay my bills. On XX/XX/XXXX, I will relocate to XXXX. I will have a new phone number there of course. I need access to my EUR balance on Gemini, whether it means sending EUR to my bank or converting Gemini EUR to . Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: USI Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I received a letter from XXXX XXXX with Usi Solutions stating they were the current creditor for a debt that was not owed by myself. I sent out a letter requesting verification and proof of the debt immediately and received no response from the company. My letter was sent certified and I have proof it was delivered. XX/XX/XXXX I received a voicemail stating it was about a judgement being put against me. I called back and they stated they were taking me to court and going to add the judgement to my credit report. The person on the phone said they have a photo ID tied to this, not sure how that is even possible, and read my FULL social security number to me over the phone. I told them they could send whatever paperwork they need to me as I will be disputing it as I had when I initially received the paperwork and did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a complaint with you against XXXX XXXX XXXX IL and Equifax within the last month and they finally refinanced my one loan I have with them to 12 mo with a XXXX  mo payment so I can get it paid off but are NOT reporting my payment amount, term of loan months or last payments made for the last two months!!! They also did not note on each of my prior loans closed and refinanced as all banks and loan companies do!!! They also made me borrow {$200.00} more in order to refinance it down to a year of payments instead of the four they were trying to gouge me for!!! I want this report corrected NOW! I want them fined for every error they made as they are doing this intentionally!!! I want a corrected copy of all three of my credit reports mailed to me paper form and to your office so you have proof!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 — Problem with personal statement of dispute
Company: T.S. Holdings
State: OK

Complaint narrative:
I worked for XXXX XXXX XXXX and also lived on property. I moved into the apartment in XX/XX/XXXX. I moved out of the apartment in XX/XX/XXXX. 
The carpet was damaged when I moved into the apartment and the manager wanted to replace it. I told her not to replace the carpet and we agreed that if she didnt replaced it, I wouldnt be charged upon move out. Unfortunately, she no longer worked there by the time I moved out and I was charged anyway. In XXXX of XXXX, XXXX XXXX XXXX turned over the account to XXXX XXXX, a collection agency. I told XXXX about the situation multiple times and the account has not been removed from my credit. I do have documentation showing the agreement made, on my move in/out inventory condition form. Even without this documentation though, the life span of carpet is typically 5 years. My carpet was older than 3 years when I moved in. I resided there for over 2 years. I shouldnt have been charged for a full carpet replacement at all. Although, I feel XXXX owes me money back for my deposit, that is not my main concern. I would like the account to be removed from my credit report and to be free and clear of these charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX I received a letter from XXXX XXXX with XXXX XXXX stating they were the current creditor for a debt that was not owed by myself. I sent out a letter requesting verification and proof of the debt immediately and received no response from the company. My letter was sent certified and I have proof it was delivered. XX/XX/XXXX I received a voicemail stating it was about a judgement being put against me. I called back and they stated they were taking me to court and going to add the judgement to my credit report. The person on the phone said they have a photo ID tied to this, not sure how that is even possible, and read my FULL social security number to me over the phone. I told them they could send whatever paperwork they need to me as I will be disputing it as I had when I initially received the paperwork and did not get a response.

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 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/2021 I transferred money through my bank using Zelle in the amount of {$1000.00} to my daughter. She never received the money. Called Zelle on several occasions they said they sent it. Zelle sent me a Trace No. Contacted XXXX, the intended receiving bank, and they said they never received it. Asked for investigation. My bank sent me verification of money transfer. Had an attorney send them a letter on XX/XX/2021 to Zelle Corporation Headquarters and XXXXXXXX XXXX asking for investigation and transfer or refund of money along with any fees. Zelle 's legal entity Early Warning responded on XX/XX/2021 stating that they confirmed with XXXX that they received the money. Early Warning supplied a number that they delivered the money to. The number they provided is not accurate. It is not the number that was used with my original bank, nor is it the number that XXXX has. Zelle did not transfer the money as requested to the number provided. It is seriously hard and laborious to contact Zelle and or their legal representative. They must return the money to me along with cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
My wife and I submitted an application for a mortgage refinancing on XX/XX/2021, with Amegy Bank of Texas. They initiated the process and said due to the high volume of applications closing might happen up to early XXXX. 
As part of the process I provided all the requested documentation and the bank performed a hard pull of our credit reports. The appraisal of our home, paid for us, and performed by an appraiser vetted and selected by Amegy was delayed and not finally released until XX/XX/2021. The bank then requested a second hard-pull of our credit reports, because the ones performed during the application " expired ''. 
I communicated to the banks loan officer and explained that I have provided all information in due time and the delays have been due to the banks processing times and its selected supplier in the case of the appraisal.

Amegys answer was that this was a " fair lending '' practice and it was an underwriters requirement. In response I proposed Amegy to perform a soft-pull of the credit reports to verify nothing has changed, since my wife and I can already see the effect of the initial hard-pull in our credit ratings. Furthermore, the delay has been due to the bank 's issues with their processing times and management of suppliers. 
At this time, Amegys program manager contacted me and said that the loan can not proceed without a second hard-pull of the credit reports, which was in accordance to the regulation. However, upon further discussion, the regulation said 120 days and it was Amegys own requirements. However, the manager said that was the last thing missing to approve the loan. After my wife and I accepted and had a second credit hard pull two weeks ago, they keep asking for more documentation that doesnt make sense and just keep delaying the process. As an example, they requested a payoff quote issued by my current bank and after that was provided, then they request the latest loan statement ( dated before the payoff quote, and despite they having the prior three statements ).

I have asked to provide the status and a definite closing date, but Amegy does not respond to calls or emails, so I am contacting the bureau to investigate the issue. At best it could be Amegy 's inefficiency being passed ot its customers, but it could also be a case of discrimination for us being XXXX or because the property location.

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 2021-06-08 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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: OneMain Finance Corporation
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I was using a credit score software and noticed there was a new collections on my credit, but I never received any notice or bill and I have never heard of or used the company listed

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CITIBANK, N.A.
State: VA

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 XXXX 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 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 2021-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

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 response to consumer: Closed with explanation