vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX # XXXX late payment reported on XXXX, XXXX XXXXXXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX account is reporting a XXXX late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

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 2021-04-16 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX  # XXXX late payment reported on XXXX, XXXX XXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX account is reporting a XXXX late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

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 2021-04-16 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: GA

Complaint narrative:
I noticed accounts this month that I do not consent to, authorize nor benefit from any of the following inquires. Block and remove them. 

Pursuant to FCRA 15 USC 1681. 

All of these accounts are in litigation.

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 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Account isn't mines. Identity thief. Submitted request on XX/XX/21, and XX/XX/21 and account still exist. FTC report number 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 2021-04-16 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: MO

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly XXXX  and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX # XXXXI do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I cann protect the integrity of my credit file. XXXX XXXX # XXXX account is reporting a 30 late payment on XXXX after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX is claiming that I owe them {$120.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: OH

Complaint narrative:
XXXX XXXX # XXXXXXXXXXXXI do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with my income being effected by the XXXX PANDEMIC SHUTDOWN. I was under the XXXX CARESAct, Pub. XXXX XXXX, section XXXX, codified at FCRA section XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I cann protect the integrity of my credit file. XXXX XXXX # XXXX account is reporting a XXXX late payment on XXXX after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I had XXXX at XXXX XXXX XXXX XXXX. Before my XXXX my insurance agent and I looked through my benefits to see what my responsibility would be and there was a maximum out-of-pocket expense of {$1000.00}. I had complications from the XXXX and ended up back in the hospital ( another {$1000.00} out of pocket ) and had a long recovery. After I recovered I looked at my bill and it showed I owed close to {$4000.00}. I called the hospital to inquire about my bill and was told that my lab work was sent to a lab outside my network so I had to pay for them as they weren't covered by my insurance. That didn't make any sense to me as I had no control over what lab my blood work was sent to. I was also told that my account had gone to collections so the hospital couldn't do anything. I never received any mail or phone calls from a collection agency. It's possible that they contacted me at first but I haven't heard anything from them for years. I assumed that the incorrect billing was fixed, re-submitted to my insurance company and paid. 
Recently I was refinancing my house and saw my credit report and saw that these charges were not only still on my report but that they've been charging me interest. I called Progressive Management to inquire about the debt and told them I'd be happy to pay the {$2000.00} that I owed. They said they couldn't negotiate with me or do anything because the hospital owned the account. This, after the hospital told me they couldn't do anything because it went to a collection agency. 
The charges are all from Progressive Management : {$790.00}, placed for collection XX/XX/XXXX XXXX originally {$550.00} XXXX {$3600.00}, placed for collection XX/XX/XXXX XXXX originally {$2500.00} XXXX {$940.00}, placed for collection XX/XX/XXXX XXXX originally {$670.00} XXXX So what started as incorrect billing in the amount of {$3800.00} is now ( with interest XXXX {$5300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CO

Complaint narrative:
Hello, I have made four requests with Gemini.com starting on XX/XX/XXXX to solve this issue but there has been zero response from the company via phone or email other than automated emails saying they will get back to me. 

The problem is they are not allowing me to withdraw or transfer any funds due to a technical glitch ( I believe ) and I need these funds. The current value is approximately {$22000.00}. 

I do not know who to contact since the company will not respond in any way. My email on file with that account is : XXXX and I have a full verified account and have completed all KYC over a year ago. I have used this account for over a year to buy crypto without any issues but when I want to take the crypto out I have this problem. 

The company also continued to withdraw funds from my bank even after cancelling auto draft but I was able to solve that ( I think ) by contacting my bank, XXXX, and they put a stop to all transaction with Gemini.com Please respond via the email in this message. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 left The XXXX at XXXX XXXX, Florida because of the danger of that environment increasing each day they let the XXXX move in to these unfinished apartments. On top of unfinished the crime rate exponentially grew the time i was living there. After the little child was XXXX in the playground I couldn't support living there any further. The collection has long since been removed from XXXX  Experian just has it out for 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 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
NewRez customer service representations continue to provide incorrect and untrue information to mortgage holders. On XX/XX/12, I called NewRez customer service to arrange a check to be mailed out for half of XXXX and XXXX payments. The representative stated no payments were showing for XXXX. This was untrue as I had sent a check overnight to NewRez which they received and applied to the mortgage according to my bank. I told the representative this information and the representative repeated no payments were showing in XXXX. Having dealt with NewRez customer services inconsistency before, I hung up and called back where I spoke to another NewRez representative who confirmed that XXXX payments had been received and applied. This is a continuing problem with NewRez customer service. Incorrect and untrue information continues to be told to mortgage holders. This is in addition to a previous phone call when a NewRez representative stated notes showed I had make a payment over the phone which was also untrue. All of my payments have been made online or by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NY

Complaint narrative:
HELLO TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, I have tried numerous times to rectify this, My social security number is being used fraudulently, I DO NOT HAVE A MORTGAGE WITH XXXX XXXX XXXX. I sent court documents and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Its been well over 2 months since Ive been told that my account was being closed. I have tried numerous times to get a explanation as to when the money in said account would be returned to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Experian Information Solutions 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 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 2021-04-16 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: NY

Complaint narrative:
I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NY

Complaint narrative:
I AM TIRED OF WRITING XXXX, XXXX EXPERIAN ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT

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 2021-04-16 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: NY

Complaint narrative:
HELLO TIRED OF WRITING XXXX, XXXX, EXPERIAN ABOUT BREAKING THE LAWS. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!

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 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have recently started facing an issue with Bank of America placing a very long hold on checks and deposits. Here is a video that goes into detail about the Bank of America Freezing Funds for Small Business Owners. 

https : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-04-16 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
XXXX XX/XX/XXXX BINANCE.US Is Not Responding To Multiple Support Tickets That I Have Submitted Over The Course Of Two Months. Resulting In An Inability To Withdraw Funds Or Earn Revenue. 
I Deposited XXXX XXXX Dollars In XXXX XXXX Dollar Increments On The Dates Below In The Attached Bank Statement. Those XXXX XXXX ; XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Listed As, " XXXX XXXX ''. 
On Or About XX/XX/XXXX, I Disabled The Account After Reading The That I Could Freeze The Account If I Had Any Concerns. I Addressed The Concerns I Had And Went Ahead With The Verification Of Reactivation Two Days Later XX/XX/XXXX. Since Then I've Had No Contact With Support. I've Sent In Numerous Tickets, I've Contacted Numerous BinanceUS Accounts, " XXXX '' " XXXX '' " XXXX '' And Still Nothing. 
As Of Now I'm Still Locked Out With No Word From BINANCEUS. 

XXXX

Company response to consumer: Closed with explanation