vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNCHRONY BANK ( ROOOMS TO GO ) reported a late payment on my credit report. I am trying my best to make the payment i have never been late on a payment before i am suffering from the XXXX. The late payment just make life that much harder i was just denied for a loan and also an employment due to the late payment being reported to my credit report. This has cost me so much emotional distress i am currently partnering up with FCRA attorneys to sue if this issue is not addressed in a timely manner I need the late payments removed from my credit reports immediately please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I made a {$1000.00} deposit to AMT Machine ( XXXX ) Located at XXXX XXXX XXXX, XXXX, MD XXXX At the time of the deposit, the machine advised that there is an error and the funds will not be returned or available. A prompt advised how much funds were deposited ... I entered {$1000.00}, a receipt was printed. 

Another prompt advised if the amount of the receipt does not correspond to the deposit, to contact XXXX. I contact that number at XXXX to enter a claim. I was met with rude and unprofessional staff when I attempted to escalate the call. 

They are retaliating against me. I requested to speak with a supervisor, they placed me on hold for an hour and transferred me to the Fraud Department. They called me " ma'am '' multiple times, laughed at my expense. When I called back to get transferred to a supervisor, they disconnect the call. 

I am asking where is the money that I deposited in the ATM, can I please have access to my funds? They have not provided me a resolution or access to my funds. 

I checked the ATM machine yesterday and this morning XXXX XX/XX/XXXX XXXX and it is functioning and accepting funds and withdrawals. Please advise where my funds are? 

I spoke with the following people at Bank of America : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX  No resolution!

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 monetary relief
Consumer complaint received 2021-05-26 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: IL

Complaint narrative:
Experian has failed to remove the 5 late payments on both Dept of Ed / XXXX accounts. XXXX is in violation of 15 USC 1601 ( a ). For failure of protecting me the consumer against inaccurate billing.

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 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WA

Complaint narrative:
Binance disabled withdrawal on my account, and does not respond to support requests. After months of this, I disabled my account in an attempt to reactivate it and restore functionality so I could retrieve my money. Now my account has been banned, and I have been banned from any support channels. 

Binance has {$10000.00} of my money, and provides no means for me to withdraw it. 

Looking online, it is clear that they are doing this to a lot of people, it's not an isolated incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I became the successor of this property/mortgage and I was about to payoff this loan but received a XXXX increased amount more than the balance of XXXX but XXXX. I contacted Mr. cooper several times to request the records and an explanation of why and where did they get a XXXX increase ; they keep saying it was a loan modification done by the deceased borrower. They haven't and won't give me the itemized breakdown of the loan modification from XXXX XXXX. I need your help in resolving this horrific problem. We want proof, the itemized breakdown of the payoff, and the modification when it was done. They also told me to contact the previous lender to get the paperwork, which is crazy and I tried but it appears it is not a mortgage company or someone who service loans. I am very concerned that they ripped off the deceased client, something is not right. I just want clarity and the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, the reason for this email is because in XX/XX/2021 I applied for the PPP loan. I work as an independent contractorfor XXXX. With all the information that they requested, the application was sent to the SBA for confirmation or eligibility. The loan was approved by the SBA and two different institutions gave me the loan. Part of that money I have used to pay my past due bills, such as a car loan that I use for work, gasoline, rent, etc. 
On XX/XX/XXXX I went to the capital one bank located at XXXX XXXX XXXX, XXXX, NY XXXX to make a withdrawal from the account which is a joint account with my mother and stepfather, where they receive their social security checks and XXXX. the bank teller tells me that the account is frozen and that I have to call the bank. XXXX customer protection. 
I called them and they only told me that the account is under investigation for the PPP deposit. The last time I call I want to give them all my documents and application to show that everything is in order, but there is no way to send the information. This is very frustrating because it not only they have my loan money frozen, but also my parents ' social security money. I need someone from Capital One Bank to contact me so I can provide the documentation they need and that I am responsible for that loan Which I have to pay back .Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: IN

Complaint narrative:
I received a cash app visa debit card in the mail. I don't have a cash app account and have never used the cash app service before. I believe that someone has opened an account fraudulently in my name. I have attempted to reach out to Cash App dozens of times to resolve this issue. They basically have no customer support network. The attempt to redirect people to logging into their app for customer service, which i can not do because i do not have an account. When trying to call their number, it just says they will call me back and it hangs up on me. They haven't called me back and I am unable to get in contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
I tried to withdraw my money from Binance.us and its just been pending. This is my money and I get no answers from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
I have notified all 3 bureaus that I am a victim of identity theft. In fact I have had an extended fraud alert on my credit for years and I am suppose to be contacted before lines of credit can be open. For the most part I am but for the following items and accounts I have not been. I let all 3 know that these are not my accounts or applications. It's been over 5 months since I did this and I have not received any update regarding the investigation or their findings. The items are still listed fraudulently on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on and I noticed a bunch of unauthorized credit inquiries had been made. 

I contacted the companies, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the following inquiries on my credit report to determine who authorized the inquiry. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX, and XXXX XXXX Inquiry : XXXX XXXX, XXXX. Once your investigation is complete, you find my allegation to be true, please remove the inquiries and send me an updated copy of my credit report. If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
Between XXXX and XXXX I was the victim of fraudulent charges on my XXXX XXXX Credit card, each time I was notified about suspicious activity or noticed the fraudulent activity myself I contacted XXXX  Credit card services and notified them. 

I ended up closing my XXXX  account since they were allowing an impersonator fraudster to have access to my credit card by going into a store and by presenting a fakeID and my SSN. XXXX never initially explained this modus operandi to me, they only stated they were going to issue a new card and drop the charges, only after the third round of fraudulent charges and when I pressed them on how this was happening over and over they explained the modus operandi to me. After this was made clear, I asked them to close all my accounts and report all purchases as fraud to which XXXX accepted. 

After this, I got a letter from XXXX stating the report on the fraud charges was completed and that I'm not liable or responsible in any manner. 

To my surprise months later, I started getting collection calls from XXXX and later on by GC Services. In the beginning, I explained to them the whole situation to which they said they were going to make notes on my case. Still, again and again, they keep calling me to collect the debt of the fraud charges. Now I noticed they reported me to XXXX  and my credit score dropped around 100 points. 


I have already spent several hours calling XXXX and XXXX explaining this situation over and over and they always say they are going to fix it, but they never do. I don't know what else to do. 


I want XXXX  and XXXX to inform all debt collectors ( GC Services ) working on their behalf to stop calling me and stop reporting me to credit agencies for fraudulent purchases from which I'm not responsible and make the necessary corrections to these false remarks. 


Report XXXX XX/XX/XXXX Updated Account Information XXXX/XXXX  Remark Added to Account XXXX/XXXX  Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint about a Public Record USBK COURT SOUTHERN FLORIDA XXXX listed on my credit report which does not belong to me. I contacted the Bankruptcy Court and they informed me that they do not have any information under my full name, social security number, address and date of birth. They also told me that they don't have jurisdiction or the right to report information to the credit bureaus anyway.. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They reporting requirements do not comply with FCRA 611 ( 15 U.S. 1681 ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
The response to Complaint XXXX received from Transunion does not address the complaint itself and includes false statements. I am shocked that the CFPB closed this complaint without verifying the validity of the response and the adequacy of the information provided by Transunion. My issue is probably shared by thousands of customers as it seems to be related to the algorithm TU uses to calculate the score they provide on their website!!! TU decision and score process has impacted me financially as their score is utilized by many banks and CC companies to approve and assign interest rates!!! CFPB is acting as an accomplice to TU by accepting their response which in no way addresses my complaint.

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 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
My checking account was migrated from Simple Bank to BBVA on XX/XX/2021. 
After learning BBVA charges NSF fees, which Simple did not, I elected to close my checking account. 
On XX/XX/2021, I logged in online and attempted to transfer the remaining funds out of my BBVA checking account. BBVA 's online account access gave me three options to transfer out my funds, an electronic transfer ( ACH ) with a {$3.00} fee, a wire transfer with a {$15.00} fee, or a transfer service named XXXX with no fee disclosed in the transfer section of BBVA 's online account access. 
I attempted to register for XXXX and was given an error indicating I already have a XXXX account ( there was no option to log in to an existing account ) and instructed to call BBVA at XXXX XXXX ) XXXX. 
I called XXXX and reached several non-native speaking English representatives that could not understand me when I explained I wanted to close my account and needed options to get the funds out. One representative proceeded to go over my transaction history, and another proceeded to discuss NSF fee policy, despite me never having inquired about either. The last representative agreed to transfer me to a native English speaker, and then hung up on me. 
It is my feeling that BBVA is purposely making it difficult to close my checking account by requiring the account have a XXXX  balance prior to attempting to close the account, charging fees to transfer funds in attempt to discourage clients from closing their accounts and staffing their related phone assistance line with non-native English speakers, something I am certain they do not do for all account servicing phone lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 day late as of XX/XX/2021 and 60 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I made the first payment on the new credit card from Capital One/Walmart of {$490.00} on XX/XX/2021. However, I am yet to have that payment credited to my account to allow for available credit for me to use the card. I called Capital One and spoke to XXXX who told me that the credit will not be available to me until Friday, XX/XX/2021.That is 9 days ( 7 business days ) after Capital One got the money from my bank account. The representative told me there is nothing they can do to make the funds available on the card before XX/XX/XXXX and that if I want I can close the account. This to me, is ridiculous service and goes against their terms of service shared at the time of applying for the credit card. It shows that they do not care about me as the consumer as long they are getting the interest accumulated on held payments ( float ). Also, because I paid the account in full, they are losing on interest that could have been charged on the balance on my account. This is unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Please note : I'm making 2 complaints, one against Chase and one against XXXX as they are partners in this issue and neither satisfied the rewards as described. I applied for a Chase XXXX XXXX credit card XX/XX/XXXX ; I received communication in my XXXX - inbox XX/XX/XXXX stating they were reviewing the application and on XX/XX/XXXX stating the card had been approved. I initially applied for this credit card for the reward of an " {$250.00} XXXX e-gift card instantly, upon approval from XXXX '' ( see XX/XX/2021 letter from Chase ) and also for the " XXXX points after [ I ] spend a minimum of {$3000.00} ''. The offers have now changed and I can not find the original guarantee - however, in multiple contacts with Chase the offer was verified. I have not received the e-gift card. As of today, I have not received the points. I've sent multiple inquiries and have had multiple phone calls with both XXXX and Chase. In these communications I've explained that I have not received the 'e-gift card '. In each instance, neither company takes responsibility and both state that the other company is responsible for the issue. For both companies, they have stated both in writing and on the phone that the e-gift card should be provided by the other company. Please see the multiple letters and other documents provided. I'm hoping that this complaint will escalate the issue to higher level employees at Chase and XXXX that can help resolve this issue as I've requested that - I've requested communicating in telecons, I've contacted these companies and have no resolution. Please contact me with any questions/concerns. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX Open case no response, I contacted the company, as to their response, no feedback. Plus the entire process has not been answered. I asked as to why I wasn't told by Mr. Cooper, that I would be subject to a penalty and loss of VA eligibility, as well, as receiving documents of the end result. 

I received neither. This company, is continuing to discredit Veterans, and owes me a proper answer, not some XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: IL

Complaint narrative:
I checked my credit several months ago and noticed that there were inaccuracies being reported. I reached out to XXXX to correct the problematic items listed. Their response regarding this was that they validated the items with the company. I reached out again and they have failed to respond back. 
I am the original creditor, at no time was there an employee of XXXX nor the other companies listed when this alleged credit transaction took place. I did not verify any trans actions nor did I give consent or authorization to XXXX XXXX or ANY company to benefit from reporting any of my information. I have a right to privacy! Reporting this adverse information is an attempt to ruin my reputation, my character, and my life in general. This is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation