vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Collection Services continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that CCS updated this entry on my credit reports as recent as XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by CCS. To that end, I sent a letter CCS ( see attached ). None of my letters have been returned or undeliverable ; therefore, I know the company received my certified letters. I have attempted several times by mail ; but to no avail. To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. After numerous attempts seeking validation from CCS, only to be ignored proves they are unable to justify their inaccurate reporting, and explicitly reflects their inability to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that CCS is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My Chase bank account debit card was fraudulently charge {$1500.00} by XXXX XXXX XXXX CA on XX/XX/2021. I contacted Chase on XX/XX/2021 disputing the charge as fraudulent. Today, XX/XX/2021 they denied my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This company has been sending me letter trying to collect a debt that is to old to collect. 
According to the debt collection laws of the State of Texas there is a four year limit on debt collection from the time the last payment was made. The last payment on this account was made XX/XX/XXXX. Four years from that date would be XX/XX/XXXX. Here it is XXXX of XXXXThe account is through XXXX XXXX and it is in the amount of {$710.00}. I do have the bank statements from XXXX of XXXX through XXXX of XXXX when the account was turned into collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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: VW Credit
State: NE

Complaint narrative:
I have requested multiple times proof of how much the vehicle was sold for during auction. I have not received a response or call backs. Im requesting this account to be removed from my XXXX  and XXXX  as the amount they are requesting is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: GA

Complaint narrative:
Was not aware that Wyndham Capital Mortgage would sell my loan to a very shady company with a horrible rating -- XXXX XXXX. Now I have to stay with them or incur the cost of refinancing to have a new mortgage company. I think there should be more regulations in place and consumers should be made aware of such practices -- actually having to sign documents before such transactions between companies can take place. The company my loan was sold to, XXXX XXXX, has not paid my city taxes, which has caused a lien to be placed against my home and could potentially impact my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CA

Complaint narrative:
On the XXXX of XXXX, I sent them a letter to validate unknown and incorrect information on my credit report and have not given any feedback after 30 days. I sent another letter on the XXXX of XXXX complaining that I have not received anything and up to this date they still haven't responded to any of my disputes. Under the FCRA, they have to respond to my disputes within 60 days or they have to remove those items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: AZ

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 lying 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 2021-03-25 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: TX

Complaint narrative:
I previously submitted a compliant under case # XXXX. XXXX  did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX. 
2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update XXXX made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein ). 
3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect. 
4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. XXXX needs to correct this error in reporting of the details of this 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 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
XXXX LoanCare - https : //www.myloancare.com/app/index.html # XXXX has collected the county tax disbursement twice and never paid to the XXXX County, XXXXcounty trustee is saying they never received the excess or duplicate money and gave the letter to submit to the Mortgage company, in spite of calling several numerous times and emailing the issues several numerous times, the issue is never resolved We need our money back and need advice on how to get this money back XXXX LoanCare support number : Contact Customer Service XXXX Monday XXXX Friday XXXX XXXX. - XXXX XXXX. ET Saturday XXXX XXXX - XXXX XXXX. ET. 

Appreciate your help and support XXXX XXXX XXXX XXXX XXXX Loan NumberXXXX

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 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I paid off my car loan early. I am trying to receive the title for the vehicle before I move to another state. The loan company Hyundai Finance is not submitting the lien release notice to the XXXX so that I can get a title and every time I call to talk to someone they say it will take a different amount of time to get processed. It is an electronic title and should not be difficult to release but Hyundai Finance is doing nothing to help me and can't even get me consistent information on when I can expect it to be processed. They are impossible to deal with and are not processing the request as stated on the website of 5 business days maximum.

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 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have an account with Coinbase for crypto currency trading. One of the reasons I chose Coinbase was because it is US based and offers FDIC-backed insurance. On XX/XX/2021, my Coinbase account was hacked. Coinbase has no phone support and only provides email support to it's clients. I opened several tickets with their customer support since XX/XX/2021 but they didn't act promptly. Most of their responses just automated responses. They didn't show any seriousness in looking into the incident. I reported the matter to the U.S. Securities and Exchange Commission ( SEC ) and Attorney General office. SEC adviced me to also report this to your office, hence I am writing this email. 

Finally, on XX/XX/2021 my access to account was restored but Coinbase disabled transactions on my account. No withdrawals are allowed. I have opened several tickes since then. I am so frustrated with Coinbase that I want to close my account and transfer my funds to another company. My hard earned money is being held by coinbase. But, since Coinbase has disabled all my withdrawls, I am not able to do so. I have close to {$10000.00} in my account and Coinbase is not allowing me to access my account.It should be illegal to stop customer access to his funds for so long and provide no update. Since time is of essence, I am seeking your intervention so that Coinbase takes this matter seriously. 
Here the some of the tickets I opened with them regarding issue with withdrawls : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I have Chrysler Capital for my financing, when I had mentioned in XXXX financial hardship due to covid they offered to defer my payments. Which I was happy since its {$800.00} a month. This was about 2 weeks before XXXX and it was fighting tooth and nail to have this done. They agreed for XX/XX/XXXX for me to resume full payments as long as i paid {$200.00} by XXXX. Which I was a week late. however I went to check my credit and noticed not only did my original loan amount change from $ XXXX and some change but it significantly increased to over $ XXXX of " original loan amount '' which is fully incorrect. I then dug a bit deeper and noticed they also took my robbery of 15 % interest to 17.2 % and neglected to verbally even tell me either was changing. So by me having this deferred during these hard times they went ahead and found a way to extort me out of more money. This is my only high bill I have, I have good credit actually in the XXXX the entire time and they decided to try and extort me. I really would love and appreciate this to be fixed and for all buyers to beware of how crooked CHRYSLER CAPITAL is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
On XX/XX/2020, NCB MANAGEMENT SERVICE add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGEMENT SERVICE has violated my rights as a consumer and now I request legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CA

Complaint narrative:
On the XXXX of XXXX, I sent them a letter to validate unknown and incorrect information on my credit report and have not given any feedback after 30 days. I sent another letter on the XXXX of XXXX complaining that I have not received anything and up to this date they still haven't responded to any of my disputes. Under the FCRA, they have to respond to my disputes within 60 days or they have to remove those items from my 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 2021-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On the XXXX of XXXX, I sent them a letter to validate unknown and incorrect information on my credit report and have not given any feedback after 30 days. I sent another letter on the XXXX of XXXX complaining that I have not received anything and up to this date they still haven't responded to any of my disputes. Under the FCRA, they have to respond to my disputes within 60 days or they have to remove those items from my 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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/2020, Portfolio Recovery Associates, LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Portfolio Recovery Associates, LLC has violated my rights as a consumer and now I request legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX XXXX XXXX XXXX divorced XXXX XXXX XXXX and in XXXX without my knowledge he was able to obtain a second mortgage for my home that was quit claimed to me on my divorce decree. Subsequently the loan is in default and nationstar is refusing to give me the pay off amount I have requested it several times and was not able to obtain it since the mortgage is not in my name the second mortgage was done and obtain by XXXX XXXX XXXX without my knowledge nation star has refused to speak with me. the home is now in foreclosure and it houses my business which consists of 5 persons with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
According to Section 392.101 of the Texas Finance Code prohibits a 3rds party debt collector from engaging in collections in Texas unless they have obtained a surety bond and it is file with the State. The Texas Secretary of State has no bond on file for Portfolio Recovery Associates. They are attempting to collect {$460.00} from me and are damaging my credit as a result. It does not appear they meet the State of Texas Licensing Requirements and are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: AES/PHEAA
State: IN

Complaint narrative:
I sent an Affidavit Of Truth to Fed Loan Service certified Mail ( tracking # XXXX ) that was delivered and signed for on XX/XX/2021 It states facts including 15 USC 1681b ( a ) ( 2 ), which states that a any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 : In accordance with the written instructions of the consumer to whom it relates. 

I Never gave any consumer reporting agency or debt collector consent to furnish anything on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 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:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: FL

Complaint narrative:
I am writing to you regarding fake inquiries I have in my credit report. I have never gave any company any permission on these inquires. They are not mine. PLEASE REMOVE THEM ASAP! I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me?

Company response to consumer: Closed with explanation