vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I have made large amount of payments in the past 3 months so that I can pay off my mortgage sooner but my last payment wasnt applied to the principal only this has XXXX going on since XX/XX/XXXX also I tried to refinance my loan and after they collected their appraisal fee underwriter said I dont qualify for refinance I have XXXX credit score and no credit card debt carrington said I dont qualify I currently have 8.75 interest rate I owe $ XXXX house is worth $ XXXX and carrington said I didnt qualify please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: CITIBANK, N.A.
State: KY

Complaint narrative:
I have a credit card account with Citi and despite the fact the payments are always mailed out in ample enough time, there seems to be an issue with Citi Bank receiving and or processing my payment in a timely matter and resulting in late fees charged to me 2 of the last 4 months. I had thought about filing the complaint with the post office, but Citi is the only company the seems to be having an issue with processing my payments on time. The first time it happened a couple months ago I chaulked it up as just a timing issue and let it go, but this most recent payment was dropped off at the post office on XX/XX/XXXX and Citi did not get processed until XX/XX/25, The payment is mailed from XXXX Kentucky and goes to XXXX, I could walk to Pennsylvania in 15 days, under no circumstances should it take them that long to process a payment. The payment was due on the XXXX and was mailed nearly a week in advance but took them 15 days to process it resulting in a XXXX late fee and them affecting my credit score twice now by changing the terms on said card.

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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: CA

Complaint narrative:
XXXX refuses to refund entire amount stolen from me from use of counterfeit card. 
On XX/XX/2020, {$980.00} was withdrawn from a XXXX ATM with a counterfeit copy of my XXXX paycard. After 6 months of their stalling, I finally filed a complaint with the CFPB, which resulted in XXXX crediting my account for {$790.00}. No explanation was given for not replacing the entire amount, and their disputed transaction department actually hung up on me when I tried to get an explanation and re open the complaint. 
From www.ftc.gov : " If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you '' I reported the fraudulent transactions within 1 hour to XXXX, so they owe me another {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hallo, My name is XXXX, and I am a citizen of XXXX XXXX with a Coinbase account. 

Recently I damaged my cellular telephone and along with it went my XXXX authenticator keys. 

The keys can not be recovered and subsequently my access to my funds have been inaccessible. I have reached out to coinbase and they constantly say they will get back to me in 4-5 business days to begin the process or restoring access to my account and they have failed to do so going back to around the middle of XXXX now. 

I feel as though Coinbase is not taking this matter seriously and that they are using offshore agents whos primarily language is not English to being with and they are not properly handling this issue at all. 

No one is taking an interest in assisting me and it feels simply an exercise in frustration. This matter is at is causing me a lot of stress and anxiety. 

I have spent countless hours trying to fix the shortcomings of Coinbase support and I am now forced to continue to escalate this matter just shy of filing a formal lawsuit, which I am trying to avoid. 

Looking forward hearing from you and how I can get acces to my Coinbase again. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: GA

Complaint narrative:
Dear Discovercard I'm so disappointed with your services Until now, I can't use my credit card. 


Once again, I have a balance of almost 250 dollars but you're constantly declining my credit card even I cant get cash from it. 
Last week I tried to get cash using my pin in a XXXX  XXXX cashier but was declined You sent me a form with verification of my personal info, I'd already signed but it's so frustrating this situation.On last week. 

On XX/XX/XXXX I sent a pay from my XXXX  XXXX XXXX account to my discover card of XXXX dollars..but until now I cant use my discover card I'm going to send a demand to you using the CFPB today if you ASAP don't free my money to use it What frustrates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: VA

Complaint narrative:
I opened a dispute with Experian because it showed my XXXX XXXXXXXX account as still being open. It was discharged through bankruptcy in XX/XX/2020. Now they added in that it has been in collections all the way up to present day. I have worked very hard to repair my credit and now they have a new collections that dropped my score immediately and we are trying to buy a new car. They refuse to accept a new dispute to correct this.

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 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My Venmo account was frozen, not useable for credit or debit transactions, in XX/XX/2021. Initially Venmo could not provide a reason for the freeze but after about 4-weeks identified the problem transaction, which ended up being unauthorized and was refunded back to the originating institution, yet for some inexplicable reason my account remains frozen despite my repeated requests for Venmo to thaw my account, which is now partially frozen but in a discriminatory manner, accepting a credit transaction for {$100.00} on XX/XX/2021 no problem, but still un-useable for debit transactions as of today, XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
SETF/Wofc Ive sent proof police reports thats my identity was stolen Ive never obtained a loan from this company they keep verifying my loan this loan is fraud Ive never did business with this company I want this item deleted its affecting my credit negatively and causing me serious distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: TN

Complaint narrative:
On XXXX XXXX, 2021, I tried to make an Online Dispute with Equifax, but their website is " down. '' On XXXX XXXX, 2021, Equifax reported my credit as Serious Delinquency and Time Since Delinquency is Too Recent or Unknown to a third-party, XXXX XXXX XXXX XXXX. 

This is a false and defamatory statement. 

Equifax states on my current credit report, that ALL my current and past installment, revolving, and mortgage accounts have NO LATE PAYMENTS. Equifax further reports on my credit report there are no Bankruptcy or Collections. 

How can Equifax report No Negative information on my credit report, but also tell a vendor, ( in this case, XXXX XXXX XXXX, that my credit is Seriously Delinquent? 

This is wrong and must cease. 

As a matter of fact, XXXX  reports my FICO as XXXX a Very Good credit rating. XXXX  reports that all my payment history is EXCEPTIONAL. 

I want Equifax to stop erroneously reporting and misrepresenting my good credit standing. 

I appreciate your time in considering my request and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: PA

Complaint narrative:
These accounts are not mine, I do not have any knowledge of the following account charges. Please delete & block these accounts from my credit report. Please apply these laws to my accounts : The fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting ACT ( FCRA ) 15 U.S.C ss 1681 ( FCRA ), Metro 2 Compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-05-31 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: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: National Credit Systems,Inc.
State: VA

Complaint narrative:
Section 604 requires credit bureau to remove this in the Honorable XXXX XXXX credit report.

Section 604 and VAWA act protect the Honorable XXXX XXXX and his children.

Section 604 instructs credit bureau to remove this in the Hon.XXXX XXXX credit report in this pandemic.

XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: VA

Complaint narrative:
Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many XXXX XXXX XXXX violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX ) ] in the Honorable XXXXXXXX XXXX credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the HonXXXXXXXX XXXX credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).

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 2021-05-31 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: VA

Complaint narrative:
Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX ) ] in the Honorable XXXXXXXX XXXX  credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the Hon.XXXXXXXX XXXX  credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: VA

Complaint narrative:
Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX XXXX ] in the Honorable XXXXXXXX XXXX credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the Hon.XXXXXXXX XXXX credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).

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 2021-05-31 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-05-31 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: MA

Complaint narrative:
Experian continue to violate the FCRA requirements with not just one violation but multiple FCRA violations. I have clearly pointed out the multiple violations with my dispute with the XXXX XXXX account XXXX. I have circled and highlighted multiple FCRA violations by Experian with this dispute. I have provided supporting proof documentation directly from the credit report showing the multiple FCRA violations. Experian continue to violate and brake the law by continuing to report this account with multiple violations of the FCRA. Please see attached supporting documentation for CFPB review. 

CFPB I am requesting that under your governing supervision of Experian that you hold Experian accountable for Multiple violations of the FCRA. As the governing agency you should ensure that Experian dont continue violate the law in this dispute. I will not stop disputing this account that contains multiple FCRA until this account has been removed from my credit file.

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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation