vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 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: PA

Complaint narrative:
i have contacted the XXXX credit bureaus as well as XXXX XXXX XXXX challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies

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 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc.
State: NY

Complaint narrative:
Please help me! I feel I am being taken advantage of by XXXX and XXXX XXXX and North American Recovery Inc. I had an account with XXXX Bank. That account was closed. I did not think there was a balance once the account closed. I have never been notified about this account. I never had the reason to look into my credit until now because I received a letter from the attorneys office about this debt. 

I have opened a dispute with the credit bureau as well as XXXX Bank, N.A.R. Inc & XXXX and XXXX XXXX. I feel this debt should not have gone to an attorneys office. I never received written notice or final notification. 

Every time I ask for additional information I just get a rude response. Calling XXXX and XXXX they keep transferring me to different departments giving me a hard time. 

Please help me get this account validated and authenticated. The balance is {$4800.00}. 
Ref. # XXXX - XXXX XXXX XXXX XXXX I have requested billing statements to verify debt as well as if they ever sent legal notices notfiying me this account was sold to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC
State: NY

Complaint narrative:
Sprout mortgage took my application charged me for appraisal fee and now I have been chasing them for XXXX months because they will not process the loan and continue to ignore or when they respond they ask new unrelated questions. My other loan has expired causing me thousands of dollars in late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: NC

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NY

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. The accounts are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( 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 2021-12-01 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: KEYCORP
State: SC

Complaint narrative:
I applied for a student loan refinance w/ XXXX XXXX XXXX a division of KeyBank XXXX on or about XX/XX/2021. They advertised competitive rates along with a bonus of {$500.00} if you opened a checking account and funded with a {$2500.00} ETF. After a month of providing numerous documents ( I am a self-employed ), they denied my application for my self-employment length. 

My issue is that they knew this from the beginning. They were provided a profit and loss statement from my business at the start, previous years tax returns, etc. My debt/income ratio was strong along with my credit score. However, at the very end ( likely because the debt amount and interest rate offered would not recoup the {$500.00} bonus they offered to me ) they arbitrarily declined my application without allowing any discussion. 

My major concern is that towards the end, I consented to a hard credit pull. Now, they have harmed my credit for any other refinance opportunity based on a decision they knew from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In late XXXX early XXXX I was contacted by Capital One for a credit card debt. I spoke with a woman and manager at the time about a lump sum payoff. The communication moved to XXXX XXXX XXXX for XXXX. I was told that for both credit card balances I could receive a lump sum payout and if paid on time they would cancel the debt. I was given to dates to pay which then complied. I later received a letter claiming only XXXX account which entirely incorrect. I proceeded to contact the both companies where they passed the blame for the communication several times. I finally got fed up and decided to pursue other avenues. I contacted a woman who works with credit and paid her money which turned out to help me get several things cleared up but not the card situation as the company continued to state that i did not complete the payout for both cards as verbally discussed. I did my due diligence and requested information in writing however they refused to do so until after payment of {$1600.00} which I felt pressure to do so and was able to make happen at a time very traumatic in my life. Fast Forward to now and I am being falsely reported to credit bureaus for be delinquent when this matter has been solved since around XX/XX/XXXX. I want to make aware of their practices and shady business transaction to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
hi transunion has a 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 XXXX XXXX over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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 XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-01 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:
hi XXXX has a 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 XXXX XXXX has me at a score around XXXX. 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: AL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$750.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX AL ) XXXX Owed : {$610.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX CTR XXXX Balance Owed : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, 2021 at XXXX I contacted the XXXX XXXX/Vanilla company via phone as I was receiving an error message in XXXX XXXX and XXXX when I tried to use a {$50.00} gift card we received for my son 's birthday. I spoke with XXXX and provided her with my address, name, date of birth, email address and the gift card numbers/information. XXXX stated the card was compromised and opened a case - # XXXX. She indicated I would need to email a photo - front and back of my driver 's license. I explained my concern in doing that due to identify theft. On XX/XX/XXXX, I sent an email follow up and the company stated that I hadn't sent in documents for my case. I replied and asked what documentation they needed and why they needed it. They replied stating they needed a copy of my driver 's license and a copy of the receipt. When I again asked why they needed the driver 's license, they responded on XX/XX/XXXX stating it was part of their 3-step verification process. They also requested a photo of the front and back of the gift card, which I promptly provided. I also explained that the gift card was in fact a gift and I do not have a receipt. They indicated that if I know the store where it was purchased, I do not, I could go to the store and request an electronic journal. I sent a follow up email to confirm that without the receipt, will the company replace the gift card and they have not responded. I understand gift card fraud is an issue. However, I have provided photos of the card, I have provided all of my personal information. While extremely hesitant, if you advise it's not an issue, I will provide a photo copy of my driver 's license. However, I do not have the receipt as it was a gift and I do not know the store where the item was purchased. The company is making it extremely difficult to use a gift card that I was provided as a gift.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: DC

Complaint narrative:
I have loans with MyFedLoan. They have been at 0 % interest for over a year, but I am seeing in my account that I somehow have {$12.00} in interest. I do not understand how this happened and want an explanation or that interest removed. Servicer has been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
Beginning in XXXX, 2021 and continuing to the present, XXXX 2021, I have been unable to withdraw my USD XXXX from Binance.US service. I have submitted multiple support tickets to their service, reached out to their social media team on XXXX and their social media team on XXXX and have been met only by canned responses and a general unwillingness to help me resolve the issue. 

Specific inquiries directly to their support system have been made by me on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 None of these have gotten even remotely close to fixing the issue. 

My issue : when I attempt to initiate a withdrawal of USD XXXX  via ACH transfer or Wire transfer from my Binance.US account, I never receive the " disbursement confirmation e-mail '' from XXXX XXXX XXXX or Binance.US despite having followed all recommended protocol to the letter and whitelisting all known e-mail addresses and aliases. The issue is solely with their service and yet they refuse to take any steps to rectify their broken system. 

Since this issue has persisted more than half a year I have to assume that this is willful negligence to defraud me and withhold my funds as any business operating in good faith would have fixed an issue as serious as this months ago. Binance.US and XXXX XXXX XXXX are currently withholding over {$5000.00} of my money and refusing to all me to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX yXXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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