vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
reference is made to CFPB complaints XXXX and XXXX, both of which assert The Work Number 's failure to provide a copy of my full-disclosure report and their repeated ongoing delay in sending my report to me. They keep asking for asking that has already been provided, namely documentation of my identity. In all requests, I have provided copies of my State ID that has my street address as well as my date of birth on it, a copy of my passport which confims the validity of the state id, a copy of my social security card which shows my full SSN, as well as a copy of a utility bill, which shows my mailing address and service address. Even in the above mentioned CFPB complaints, they, AGAIN, ask for ID that has already been provided. I will continue to file CFPB complaints, and send letters to the AG in their state and mine, until they comply with federal law and provide a copy of my full-disclosure report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: TX

Complaint narrative:
This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MVBA, L.L.C.
State: MD

Complaint narrative:
Over the past several months myself, friends, and family members have all been harassed by this " company '' They expressed to my grandparents that I will be taken to jail if they didn't pay this " debt '' Upon speaking to my mother they made the same statements and called her 19 times in 2 hours. I routinely get text messages threatening to " have me arrested '' if I do not pay within 24 hours. I have no debt. I have paid all of my debts. I am tired of being harassed by these shady companies for things that simply don't exist. I'm tired of my family and friends being harassed and threatened for something that doesn't exist. I have previously filed a complaint against this company and will continue to do so every chance I get. These tactics are illegal and will continue to be illegal. I have contacted the " courts '' they state I owe a debt to and no records have been found. I urge our government to act accordingly and hold these " law firms '' accountable for the scare tactics and fearmongering they use to collect false debts. I have contacted the " law firm '' directly and was not able to get any useful information. They asked for my FULL social security number. Sorry, not falling for that one again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: DE

Complaint narrative:
The XXXX  and XXXX  Credit Bureaus are reporting inaccurate information on CAPITAL ONE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was transferred to Shellpoint Mortgage Servicing on XX/XX/2021. I received notifications from insurance company and XXXX County, that no payments have been received. I contacted Shellpoint Mortgage Servicing on XX/XX/2021, I was told by XXXX that my insurance is not escrowed, and I need to pay the insurance directly to the insurance company. 

I contacted Shellpoint Mortgage Servicing on XX/XX/2021, spoke with XXXX with the tax department. I was told that there is no county tax in my escrow. On my monthly statement, there is a line item, " Escrow ( Taxes and Insurance ) {$630.00}. '' Please provide written confirmation that taxes and insurance are escrowed. If not, please refund {$630.00} that I paid for XXXX and XXXX, immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX XXXX deposit a PPP loan into my account from CapPlusFin. I went to Capital One to withdraw some money and they frozen my account. I gave them my EIN number and paperwork where I file my company on my taxes and that it is a Legitimate company. My account is still frozen and it just sitting into my account and cant be touch. Ive all capital one every day and they say Im under investigation. I submitted paperwork again. XXXX second since investigator stated to close the account and send money back. Money is still just sitting there. Talk to SBA and they stated its not them they got what they needed from me is capital one doing what they want to do. Still to this day money is just Sitting into the account and all Im getting is they dont have a time frame of when money gon na get sent back. I shouldnt have to go thru this anyway if I produce my information for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In XX/XX/XXXX I was advised by TD Card services that an address change was made on my behalf. The address change was an attempt at identity theft. I immediately contacted TD Card services and advised them of same. They cancelled my card and reissued a new card and promised to remove the fraudulent address from my account. That never happened ; in fact RD Card has now reported the fraudulent address to the credit reporting companies ( XXXX, etc. ). Today I spoke with XXXX at XXXX  and he assures me it will be removed ; however, I have been promised this before. Now I have an alert that the fraudulent address is now associated with my SSN. This is problematic on many levels. My complaint is specifically with TD Card services and their incompetence as well as reporting information they know to be fraudulent to the credit reporting services. This has taken me many hours to attempt to resolve and so far they have been unresponsive. I mailed a complaint directly to TD Card on XX/XX/XXXX after repeated phone calls and I have not seen any results nor have I heard from TD Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There is some sort of redlining going on in reporting my credit score. Or credit bureau reporting companies such as Transunion are using algorithms that discriminate against XXXX. On XX/XX/2021 my credit score dropped 67 points when I paid off one credit card. The score was around XXXX, and then dropped to the 700s. That is absurd. My credit score dropped 45 points on XX/XX/2021 for paying off my XXXX XXXX and XXXX XXXX  credit cards. XXXX XXXX could not explain the discrepancy, and Transunion is not providing any valid reason either. They just want to keep reporting the huge differences expecting me to accept a nonsensical reason for doing this. They don't care to correct it either.

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 2021-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today I spoke with an agent at Experian regarding a dispute letter that I mailed ( certified ) and faxed, who acknowledged receipt of my letter and proof however the agent refused to help me stating that Experian can not delete the account from MY consumer report until XXXX XXXX gives them the proof to delete the account. The proof that I sent in contained a communication from XXXX XXXX XXXX stating that " XXXX XXXX is not currently handling the referenced account. Additionally, Experian is the only bureau furnishing this unauthorized account ( attached titled proof # 1 ) which clearly proves a discrepancies and the law states that all information listed on my credit report has to be accurate. I have attempted to resolve this issues numerous times. Experian is in direct violation of my consumer rights. I have filed several CFPB complaints regarding Experian but my consumer rights are not being protected.

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 2021-08-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I did a review of my credit through Equifax. I noticed a hard inquiry was ordered on XX/XX/2021 from XXXX XXXX  which I did not authorize. I immediately disputed this with Equifax and also filed a complaint with your office. I received a correspondence from Equifax dated XX/XX/2021 and have enclosed this along with a letter from XXXX XXXX about not approving the application due to identity non being able to be verified. I did not authorize this and it appears to be fraudulent. Somehow someone got my information and tried to apply for a line of credit under my name. I have spoken with someone at XXXX XXXX and they have assured me they will report the error to Equifax. Now it will be up the Equifax to remove this inquiry from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: AFNI INC.
State: GA

Complaint narrative:
AFNI Located at the below address and phone number opened a claim on my credit report that is not mine. The company has not provided any information on the claim. This is the second time the claim has been reported on my credit report which has caused my credit to be impacted. The company should not be able to create fraudulent claims to credit reporting agencies. 

XXXX, XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a fraudulent withdrawal from my account from an ATM and the only reasoning they denied my claim was because the ATM was in my area also the incorrect PIN number was used, and more than the available balance was tried to be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Independent Recovery Resources, Inc.
State: PA

Complaint narrative:
The XXXX Credit Bureau is reporting inaccurate information on IND REC RES. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
i have sent two letters over 90 days ago about items that where not mine showing on my credit report. XXXX  and XXXX has already fixed the issue but equifax has yet to respond. iv sent multiple letters and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX of 2019 I opened an account with First Premiere, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting.This debt has been sold for collection and upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
i had a car loan with americredit/gmfinancial i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to date AMERICREDIT/GM FINANCIAL Account Name AMERICREDIT/GM FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$20000.00} Highest Balance {$0.00} Terms 60 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
On XX/XX/2021, I requested all my funds be withdrawn from my Coinbase account and be transferred to my bank account. Prior, to this transaction I did not have any problems withdrawing money ; however, this was the first time I withdrew all my funds. A week goes by, and I did not receive a deposit into my bank account. I reached out to Coinbase and via email was told to wait 3-5 business days, check with my bank because it might be holding my funds, etc., and if funds were not deposited to my account at the end of the 3-5 wait period, I was informed I should send documentation of the withdrawal. I waited, and sent the documentation as requested but did not receive any response after a week. I then resubmitted my documentation twice back-to-back and received an email telling me to be patient they will work on finding out what the problem was. I still have not been provided with a disposition or any customer follow up other than a random email that stated the following : Hello, We havent heard back from you regarding this case.

If you still require assistance, please reply to this message. If you no longer need help, we will automatically resolve your case in 48 hours. 

Thanks, Coinbase Support They provided no number or specialist to contact, and I never received any disposition to my initial complaint, nor an acknowledgment when I replied to the link above mentioned. It was as if they were only going through the motions. This company is one of the worst companies I have ever dealt with and I would not recommend they be seriously used for investment purposes. Please look elsewhere before depositing any amount of money with them. They have horrible customer service and basically refuse to return the money, in the same manner, they remove money from your account. This is bad business. The next step will be legal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a scam call voicemail at XXXX on Thursday, XX/XX/2021 telling me that hundreds of dollars had been charged to my XXXX XXXX Account. I called XXXX back at XXXX and told him that I knew this was a scam and he needed to take my phone number off of his list. I went to the Amazon website and it said to notify you.

Company response to consumer: Closed with explanation