vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by XXXX  on behalf of XXXX, XXXX, XXXX  XXXX XXXX. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a Capital One. I haven't been able to review the account history to know if it was mine. I had a capital one card in XXXX. I'm told that I was sued by Capital One and I live in Washington now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from XXXX  to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE BANK OF CALIFORNIA, INC.
State: GA

Complaint narrative:
I started the refinancing loan process on XX/XX/2020 with Mortgage Bank of California via XXXX XXXX. Today is XX/XX/2020 and the refinance is still not done. During this time due to the poor handling and time management of the refinance, I have turned in every document requested within 24 hrs. Many times within in one hour. Due to the delay, they have constantly pulled my credit report, causing irrevocable damage to my credit score. So far there have been 3 pulls against my credit due to we are now going into the XXXX month of this process. As well, my current mortgage that was in good standing due to the loan had not come to maturity has now matured, again causing major damage to my credit. Items requested by both XXXX XXXX and XXXX XXXX have been unorganized request, duplicate request of items already turned in and not concise at all. To be honest I am very concerned about the banking practices of this institution and really have been destroyed mentally, emotionally and credit wise by this unprofessional process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
For the past fifteen years, we have encountered numerous problems with the mortgage services offered by Wells Fargo. On XX/XX/XXXX, I discovered misplaced correspondence dated for XX/XX/XXXX from Wells Fargo regarding a previous account that was transferred to Wells Fargo in XXXX. Enclosed in the envelope was a letter that explained an overpayment of Private Mortgage Insurance ( PMI ) and a check for {$2700.00}. Prior to our refinance with Wells Fargo in XXXX, several attempts were made to eliminate PMI. On XX/XX/XXXX, the letter stated the LTV as 87.8 % and XX/XX/XXXX the LTV was 87.6 % with a required LTV of 80 % to eliminate the PMI. However, conflicting information was later mailed on XX/XX/XXXX and XX/XX/XXXX and the LTV changed to 65 % to eliminate the PMI. Although we continuously challenged the telephone representatives about the disparities and were denied a loan modification more than once, we refinanced the loan just to afford the payment. On XX/XX/XXXX, I reported my complaint to the Wells Fargo Board of Trustees via email. I was contacted by Case Specialist, XXXX XXXX who stated he would investigate the complaint. Upon discussion, I advised him that my account was poorly managed and the compensation did not reflect the additional debt incurred during our XXXX finance. If the PMI were deleted on XX/XX/XXXX before the refinance on XX/XX/XXXX we could have avoided unnecessary debt. However, based upon his letter dated for XX/XX/XXXX he did not agree with my assessment of this seven year delayed action.

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 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian.

1. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-11-24 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: MI

Complaint narrative:
I disputed all inaccurate accounts on my credit report with the bureaus on XX/XX/2020 and still have not received any response from neither credit bureaus.

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 2020-11-24 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: MI

Complaint narrative:
I disputed all inaccurate accounts on my credit report with the bureaus on XX/XX/2020 and still have not received any response from neither credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
I had am auto loan that i paid on time using their website every month but one month somehow they show that i missed one. This can't be possible. I never missed a payment and has to be something that they have wrong internally with their systems that changed or paying off a different loan internally. I've tried to work it out with them but they refuse to remove it. I've also disputed the account 's accuracy with the credit bureaus and not had success. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called and tried speaking with a guy who answered the phone on credit card from 5/ 3 bank. I tried to explain to him that the lady I spoke with the night I called and told her I had my balance transfered to another account and I paid XXXX which was what the phone amount stated when I called for balance on credit card. But when I had the XXXX transfered over. The valance it quoted me was wrong I only owed XXXX?? But didn't remember change amount. So I called the bank and the lady told me two different amounts. One was XXXX and the other was XXXX? So I finally got her to tell me the correct amount and I even rd her several tines I had the valance transfered all except the smaller amount left. Which was XXXX? So I asked her to take that amount out i of my checking account and that the guy lied to me on high charges ud be having to pay which Id even ask interest ea month or charges just to use the credit card etc. He stated no. But when I used the card I seen they were charging my almost XXXX ea month just to use that card. So that's when I transfered main amount to another card and I paid the rest XXXX? And I even told her I was then cutting up the credit card due to I refuse to pay close to XXXX ea month just to boost my credit score. 
So a month or so later I seen that XXXX was taken out if my checking account. Shed took not only the XXXX? I still owed on the card but also took XXXX out of my checking account also. This was what I was trying to tell the guy I spoke with. That now because the lady messed up and XXXX XXXX instead of just the XXXX?. I told him I'm not paying two different charges on same amount when she messed up. So he put the XXXX back into my checking account like I asked. Which I thought this straightened it all out. But I now see he turned right around and put it to were I was having to pay the valance twice again. So I'm fighting this due to I transfered the XXXX dollars from XXXX credit card to my XXXX XXXX credit card which gas been paid off already. But you refuse to acknowledged my explanation on what I did and how I refuse to pay again for there mistake. Which this will be the third mess up this checking account gas done since 2012. 
I told them one more ness up to were I'm being charged for amounts that your receptionist mess up. That I'll close my checking account and bank from some where else. So this is what I'm going to do next month right after I get paid so I have time to contact the open accounts and give them my new account Number from a new bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On approximately XX/XX/2020, I attempted to transfer funds on Coinbase from the " Vault '' feature to the " Wallet '' feature. This transfer required approval from my main account as well as a co-signer email account. The main account had already approved the transfer, as noted on the Coinbase site, but when the co-signer attempted to approve the transfer from their email as instructed, the Coinbase webpage they were sent to said they had already done this action, yet on Coinbase itself it stated that the co-signer had not approved. The co-signer attempted to approve the transfer through the email multiple times, but every attempt failed. After 24 hours, the transfer was terminated due to the co-signer being unable to approve the transfer. 

On XX/XX/2020, I emailed Coinbase 's support team and detailed the problem. I was sent a response email at that time confirming that my case had been received. 

It is now XX/XX/2020, and I have not received any other notices from Coinbase on this issue, and my funds have not been transferred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Windham Professionals, Inc.
State: PA

Complaint narrative:
This is NOT MY DEBT. This is the second letter I received from ProCo. I responded requesting a validation of debt letter and never recived one yet they continue to send letters for debt that is not mine. I have had multiple conversations regarding this matter and explained why it is not my debt. I was tested to be a XXXX XXXX donor for my mothers XXXX. This should be charged to her insurance, not mine. I spoke with XXXX, from XXXX XXXX XXXX practice at XXXX XXXX located at XXXX XXXX XXXX, XXXX, PA, in person when at an appointment with my mother and she confirmed this was to be charged to my Moms insurance. XXXX took the initial collection letter and stated she would make sure my Moms insurance received the bill and not me and I would not receive another notice. Not only did I receive another notice, I started getting phone calls and spoke with someone on XX/XX/2020 at approximately XXXX XXXX. The number dialing me was XXXX and I called back the number in the message, XXXX, reference number XXXX. I explained the whole story to her and she stated she put the notes into the system and if they need more information they will call me back. My brother and sister also got tested to be a XXXX XXXX donors and they are not dealing with this. I DEMAND you show me evidence of this being my debt ( Validation of Debt )! If I receive another letter or call regarding this matter, I will take legal action and inform the applicable regulatory agencies of the violations of the Fair Debt Collections Practices Act and the Unfair, Deceptive, Abusive, Acts, and Practice occurring. I will also be taking legal action against XXXX for not only reporting this as a debt but for wrongful death.

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 2020-11-24 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: NY

Complaint narrative:
As previously notified before, I XXXX XXXX born XXXX XXXX am a victim of identity theft and i myself did and am sending this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Received letter from Nationwide Credit , Inc. dated XX/XX/2020 alleging I owe {$690.00} to creditor XXXX XXXX and merchant/account type XXXX XXXX. This is not my debt. I have notified Nationwide Credit , Inc. this is not my debt and requested they mail me documents supporting this claim and to stop all all communication with me. I have also asked them to record that I dispute having any obligation for this debt.

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 2020-11-24 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I was made aware in XXXX  of 2020 that my credit score of XXXX had suddenly dropped between XXXX and XXXX to XXXX. Checking my outstanding balances on the three credit cards I carry showed that I owed negligible amounts on my Visa and XXXX XXXX cards as I pay my balances monthly and that the balance on my XXXX XXXX MasterCard ( Barclays ) card was XXXX as I hadn't used it in months. Checking with the XXXX webpage revealed that I had no outstanding bills or collections levied against me. However, I recently received a letter from Barclays informing me that my MasterCard was terminated due to 90 days of delinquency. Upon checking my Barclays app I was able to confirm that not only was my balance at the time of termination {$0.00}, but that the card had not been used for over 8 months. The date which they issued a 30 day delinquency directly correlated with the dates in which my credit score began to decline. I received no written letter, email, or phone message to inform me of this. Since I had not been using the card and knew that the account had been paid in full I did not have reason to suspect that they were the source of my credit decimation. Upon contacting Barclays this morning ( XX/XX/XXXX ) I was informed that it was not there problem to fix. My score is now XXXX. I was also advised to write letters to the 3 major credit monitoring companies, advisement which directly contradicts the Federal guidance provided by this website. They not only deny any responsibility, which I have full documentation of, but are advising me to pursue a line of dispute that seems to be of even further detriment to my score. Never once was I advised to seek Federal credit advice to rectify the matter. Not only are they grossly negligent in this matter but seem to be actively directing me away from a course of action that would help me resolve it and restore the credit that it has taken me years of responsible financial planning and payment to achieve. I believe, especially due to the documentation I have and the sheer negative effect this has had on my credit, that this qualifies as matter worth pursuing in civil court if they are insistent on refusing to rectify the problem that they are clearly responsible for creating. The Barclays associate with who I spoke is named XXXX, employee number XXXX. Again, I was told my only recourse is to send a written letter via conventional mail to Credit Bureau Dispute FCRA XXXX. XXXX XXXX XXXX, Delaware XXXX and physical letters to all 3 credit agencies and that they will take no steps to restore my credit otherwise.

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 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Received letter from XXXX XXXX XXXX XXXX dated XX/XX/2020 alleging I owe {$690.00} to creditor Synchrony Bank and merchant/account type PayPal Credit. This is not my debt. I have notified XXXX XXXX XXXX XXXX this is not my debt and requested they mail me documents supporting this claim and to stop all all communication with me. I have also asked them to record that I dispute having any obligation for this debt.

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 2020-11-24 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: IN

Complaint narrative:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Approximately 15 days ago I submitted a complaint regarding the extended fraud alert through Experian asking for this alert to be REMOVED due to the alert holding my credit score down and my ability to acquire credit. A week ago Experian responded saying due to the fraud alert they need proof of identification. So, Experian is again refusing to take off the fraud alert and continuing to hold my credit down. I want the extended fraud alert taken off! Experian is ruining my life, my next step will be a federal lawsuit.

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