vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT, Inquiry : XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: NY

Complaint narrative:
On XXXX I received an email from XXXX credit card stating their website is down and they are experiencing tech issues and they will resolve it asap. They said this was not due to any hack/security issues. Then on XXXX I get an alert from Experian stating my XXXX card is 120 days delinquent and the account has been closed due to delinquency. That information is false the card is still open and I never missed a payment. I called XXXX on XXXX and rep XXXX ID # XXXX said they are aware of the issues and it affected all of their card holders and they are trying to fix the false reporting with Experian and the error was caused by the snowstorm. XXXX updated their twitter admitting the problem but they are not admitting to any security breach or the negative information on my credit report which will effect my score. Please assist. Hundreds of other XXXX card holders are experiencing the same problem and XXXX is not being truthful or helpful with this matter. Thank you

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 2021-02-04 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: LEXISNEXIS
State: GA

Complaint narrative:
So, over the last 6-12 months, I have been active in disputing XXXX XXXX Account # XXXX XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 

XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

Also, XXXX  : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. 

XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: ID Analytics, Inc.
State: GA

Complaint narrative:
So, over the last 6-12 months, I have been active in disputing XXXX XXXX  Account # XXXX XXXX  Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 

XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. 

XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Coinbase, Inc.
State: CA

Complaint narrative:
I opened an account at Coinbase and Coinbase XXXX  to trade bitcoin. I went through the identity verification process successfully. I then added my bank account to transfer funds to my Coinbase XXXX account. This worked. I initiated a transfer of {$600.00} to my Coinbase account. Very soon thereafter Coinbase put my account " under review ''. Now my {$600.00} is frozen at Coinbase. I am unable to send the {$600.00} back to my bank account or trade bitcoin. They have in effect stolen my money. I of course submitted a support request. They responded in an automated manner and again later saying they would expedite my account review. I submitted feedback that my problem remained unresolved. My funds remain frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Company : Cross Country Mortgage. 

I have been trying to have my Escrow account pay my supplemental tax with the surplus in Escrow for 3 months and continue to get ran in circles. I initially contacted them in XXXX and have called several times since and began emails in XXXX and still have no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Misapplied payments : The following dates and amounts should have been posted as follows : XX/XX/XXXX reg. payment of {$830.00} XX/XX/XXXX {$1000.00} Principal payment as noted on payment XX/XX/XXXX {$1000.00} Principal payment as noted on payment XX/XX/XXXX reg. payment of {$830.00} XX/XX/XXXX reg. payment of {$850.00} XX/XX/XXXX {$1000.00} Principal payment as noted on payment They keep trying to apply my principal only payments as regular payments, I have called three times and gotten NO HELP FIXING 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 non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NE

Complaint narrative:
This started on XX/XX/2021. I had {$600.00} in my bank account from Friday after receiving my paycheck to Monday, did not make any other transactions. I had the day off and took my kids to XXXX XXXX XXXX 's and out to lunch, totally out to be {$140.00}. Waking up on Tuesday, all of a sudden my account was negative. Not only negative but already 2 overdraft fees attached to it. There were some preauthorized bills that were supposed to come out of my account, but the XXXX, I still had plenty. However, since that day I have received 17 overdraft fees of XXXX dollars each. I have made the account positive, and then another charge of XXXX. {$610.00} in overdraft fees in a matter of 2 and a half weeks. They waived 3 of those charges equaling to XXXX, but has not stopped continuing to charge my account. 

I am a single mom of XXXX kids, I pay attention to my money and have had this account for 11 years and have NEVER had fees like this. US Bank has not done much to help with this situation, and have just been taking my money.

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 2021-02-04 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: U.S. BANCORP
State: FL

Complaint narrative:
I have contact us bank credit department 9 times trying to get them to provide accurate information to my credit report and as of today XX/XX/XXXX they have refused. below are the dates and times I have contacted them. trying to resolve this issue XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( supervisor ) XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXXXXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Transferred cryptocurrency from a personal account to an official broker ( Coinbase.com ) on XX/XX/XXXX. The transaction succeeded while Coinbase was having outages that day, and something went wrong with automatically moving the funds to the Coinbase Pro service. After several attempts of manually moving the funds from Coinbase to Coinbase Pro ( two services managed by the same company ) the funds eventually disappeared from both services, even though all transaction logs show a succesful deposit. Coinbase Pro even acknowledges the transaction in their own logs which I've attached, yet the funds never show up in the actual service. 

https : XXXX Coinbase Support is refusing to respond after a week even though it's clearly described in my support ticket XXXX # XXXX XXXX that this situation involves a non-trivial amount of real money and points at being completely their fault alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNT XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine

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 2021-02-04 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: MS

Complaint narrative:
I pulled my credit report and there are hard inquiries that I did not make.

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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I paid for the loan application fee. During the approval process our company merged with another company and my wife transferred her ownership to me. The entire time I stayed a W2 employee. they stated we suffered a income loss and wouldn't approve the loan. I have a credit score of XXXX, no debt but the two houses and a car lease. Income did not change. I think they figured out that this second house was on a leased lot with GA Power and they could not follow through with the rate they promised. They transferred my flood insurance to them as the beneficiary before we even closed. I had to track down my insurance agent and switch it back to my existing lender. Now that they denied the claim they won't cancel the loan request and stop requesting information to complete the process. I have left 6 phone messages, 10 emails and 10 text messages. I was assured on friday it would be taken care of by close of business. Still getting requests. Horrible response, will not return calls and will not complete what they promise. Horrible experience.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Being lied to or given misleading information by a company is considered both an unfair and deceptive practice and is in violation of Unfair, Deception, and Abusive Acts Practices ( UDAAP ), under the Dodd-Frank Consumer Financial Protections Act of XXXX. 

Account number : XXXX XXXX XXXX XXXX I filed a dispute for a {$310.00} charge from a fraudulent company overseas, which was shut down by XXXX. The dispute was closed in my favor in XXXX of XXXX, but then PayPal charged me again because the seller said he sent the product to me, which did not even arrive until XXXX - 3 months after the dispute was closed. When the products arrived, it broken. I redisputed, and contacted PayPal Credit ( Synchrony Bank ) on XX/XX/XXXX, and again on XX/XX/XXXX. Both times, the representatives told me that it was over in my favor and that there won't be any more charges or re-dispute. The second representative ( supervisor named XXXX XXXX XXXX told me he will send in all documentations. 

Today, XX/XX/XXXX I learned that my account was charged again, so I contact the rep and talked to the supervisor. I showed them the chat transcripts and was informed that the previous representatives both gave me false information about the status of the dispute. Additionally, I was informed that the previous rep I spoke to could not even send over the documentation as promised, because they do not have the capabilities to do so. PayPal Credit now informs me that they are unable to help me, and that I must re-open another dispute. 

In total, I have been re-charged by a known fraudulent company three times, and have been given misinformation by company representatives on two different occasions. In addition to the hours I have spent attempting to resolve this issue, I am have been treated by multiple representatives in a way that violates UDAAP.

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 monetary relief
Consumer complaint received 2021-02-04 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: FL

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-02-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
Due to COIVID 19 and goverment order of lock down, my place of work has been closed, causing financial hardships. Fast forwards, on XX/XX/XXXX, made a payment of {$1500.00}, spoke with the rep in regards to 2 months extension with XXXX XXXX monthly depreciation fee, which I agreed to. Now they are telling me they do not have a record of and repossessed my car while I was out with my XXXX children. Took the car seat, wallet and phone in the car. Been calling everyday since to find out how to get my car back and rep from redemption departement on XX/XX/XXXX @ XXXX advised that I will be able to pay the past due balances, bring the loan to current and pick up the car but after their system fully updates in 24-48 hourse, which is my intention. I was told to call back on Thursday XX/XX/XXXX for the update. Called and found out they transferred my car to auction house after hours last night, one day after repossession. Have not recevied any notices or phone calls regarding late payments, possible repossession etc. I tried calling many times but they are now saying something completely different than what I was told two days ago. For something they did not do, they insist they did, and something they did, they are saying there's no record of them doing it. Can not speak with the supervisor like I was advised to from redemption department. Keeps transferring to different department and can't get anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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