vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called experian today because this account its showing wrong informacion, I need this account tho be deleted 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 2021-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX with a loan ( Loan # XXXX ) from Pentagon Federal Credit Union. As is the law in NY State, I added the vehicle to my insurance policy for my other vehicle. The limits on this policy are in excess of both the State and Lender requirements for minimum coverage. In XXXX I noticed a {$1700.00} charge added to my loan principle. This was called " Add CPI ''. This was not GAP insurance that was previously purchased from PenFed. 

When I contacted them, they seemed to understand that this may be a mistake on their part, and asked me to upload the insurance card, which I did in XXXX. This card showed that the policy was in place before the car was driven off the lot. 

Two months passed and no adjustments were made. In XXXX I stated that this needs to be fixed, I am not comfortable to keep paying for something with interest that doesn't exist, I did however make a double payment in XXXX to keep the account current. As I stated, I had insurance, and still do with another carrier. From PenFed, the " Insurance '' provided for {$1700.00} is non existent. I wasn't sent a policy, ID card or any notice that any of this was being done without my knowledge and consent. 

This week, for the hundredth time, they called me and hung up. I called back and was given the run around again about this, that it wasn't their department. So in addition to the charges for insurance, they have been acting in a predatory way. 

To further point out that I have insurance and never needed or was required to buy insurance from this lender, I struck a deer in the XXXX XXXXXXXX XXXX. I submitted the claim to my insurance company, and they promptly did an estimate and made payment.

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 2021-02-17 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: GA

Complaint narrative:
XXXX XXXX collection agency reported two medical collections on my Equifax credit report. I resolved the items with XXXX XXXX and was told by the XXXX XXXX representative XXXX that they sent request over to Equifax to remove the two medical collection items completely from my credit report. Equifax has not removed said collection items. 
The amounts are {$160.00} and {$52.00} From XXXX XXXX XXXX XXXX XXXX or something like that. There was no account numbers listed with the accounts. XXXX XXXX said they sent request to remove items altogether but Equifax has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I closed on my home on XX/XX/XXXX, with Loan Depot. My account number is XXXX. Since that time, I have been trying to access my account. When I accessed the Loan Depot ( administrative ) site and tried to log in with my information from a previous loan, I received a message that they could not find any information on me. I then tried to register with my new loan information, I received a message stating that I already had an account. I even filled out the form to retrieve a lost password, requiring my SSN, my last name, and my phone number. The message came back that there was no account under that information. I have made at least 10 phone calls, left 4 messages, sent 3 emails, and filed a complaint with the XXXX on XX/XX/XXXX. The XXXX sent a letter which has yet to be answered. The phone calls to Loan Depot all resulted in either the person saying they had no idea what the problem was, telling me they would take care of the problem, being cut off, being transferred back to the phone tree, or having the associate say they were going to talk to their supervisor and never returning to the phone. One person told me that because I have had a prior account, that that account had to be deleted first and that they would do that. It never happened. I have no way to arrange for automatic payments of my mortgage. I had to call the toll free number and get someone to " override '' whatever it was in order to take my payment over the phone for my XXXX obligation. I have no idea where my money is going ; principal, taxes, escarole, or anywhere else. I am being denied information on my account. I need to have access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BTH Management
State: CA

Complaint narrative:
To whom it may concern, I had a loan from original creditor XXXX for {$3000.00}. With that loan I had to take care of emergencies that had happened. It was going well in the beginning I paid about $ 200 monthly. But after awhile with financial circumstance I had to lower the payment to {$50.00}. From there I haven't made any payment. That went to a collection agency, plaza services, and the debt went from {$3000.00} to {$4900.00}. This year of XXXX XX/XX/2021. I gave them a call and ask for a settlement amount of {$3400.00}. They agreed and I went ahead and sent out the payment. They received the payment but I would like a deletion letter from them asap as I am in the process of purchasing a home. It will be really helpful if you can help me in this difficult times. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: VA

Complaint narrative:
I have attempted to dispute erroneous accounts that are present with XXXX XXXX, and TransUnion but they have not responded to my letters. This is a violation of the Fair Credit Reporting Act and the disputed accounts should be removed. I have attached the certified mail receipt number for evidence. I have additionally attached the letters themselves that were sent to the credit bureaus back in XXXX. 

Certified mail receipts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TU

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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX, I authorized XXXX to charge my Barclay 's XXXX MasterCard in the amount of {$750.00} with the understanding the money would be deposited to my account to be used. XXXX ended up charging my card a total amount of {$840.00} which was an overcharge of {$93.00}. I reached out to Barclays to file a dispute and they did, XXXX, but only for the overcharge amount of {$93.00}. When XXXX found out, they immediately pulled ALL of the funds out of the account, took my credit card off their file and suggested I should have raised the issue with them versus going thru Barclays. They also took some of my " winnings '' and suggested they won't put anything back into my account until I redeposit the {$750.00}. I explained to them that their processor only credited back the overcharge and therefore they are not going to put the money back in my account. 
I attempted to work with Barclays but they insisted that I can only fax over the evidence or mail via US Post Office. I shared the challenges of doing this during a Global pandemic and they shared they don't care and that is the only way to communicate with them. 
In checking my credit card on line looking to see if they have resolved the issue I then noticed on XX/XX/XXXX XXXX fraudulently charged my Credit Card in the amount of {$870.00}. I reached back out to Barclays and created a 2nd dispute, XXXX XXXX. I was able to take screen shots of my chat conversations where they admitted that they : credited back the entire {$840.00}, took all the money out of my account, and never even charged my card for the XX/XX/XXXX charge. I sent all of this via US Mail to Barclays as evidence of fraud. 
Barclays has done everything they can to give me the run around and not look out for me regardless of the fact I have an XXXX credit score and have NEVER had debt collection or disputes in my life. They didn't seem to care. 
On XX/XX/XXXX I received correspondence from Barclays that the fraudulent charge on XX/XX/XXXX was closed and the ruling was not in my favor with the comment " The chip on the card was read and validated during the authorization process or CCV was confirmed '' which would be true if they had my CC on file, which they did, but does not mean I authorized it and AGAIN, I HAVE CHAT CONFIRMATION STATING THEY NEVER RAN THE CARD THE 2ND TIME ON XX/XX/XXXX. 
Barclays advised that chat messages are like text messages and are not legally binding but I can share dozens of cases where text messages have been used in a court of law and view this as yet another example of unethical business practices by Barclay. 
I am not paying those outstanding charges and need to understand what Legal recourse I have. 

Thanks, 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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
GUARANTEED RATE , INC unlawfully obtaining my XXXX and my XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 

I have not initiated any transaction with GUARANTEED RATE, INC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with GUARANTEED RATE , INC for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a complaint to the agency attempting to collect on an unverified 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 2021-02-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Attached is the response I received from Equifax on XX/XX/2021. I have sent them all the required documentation needed to request a dispute and I get a response stating they couldnt locate my file. There is erroneous information on my credit report that needs to be investigated immediately. I attached A copy of this account, as you can see Equifax is allowing the creditor, XXXX XXXX XXXX, to report inaccurately causing severe harm on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called XXXX  today because this account its showing wrong informacion, I need this account tho be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: GA

Complaint narrative:
I have disputed collection accounts multiple times from all three credit reporting agencies to include Transunion, XXXX, & XXXX. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. Transunion has removed the incorrect reporting of collection agencies on my credit report ; however, XXXX  and XXXX  has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).

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 2021-02-17 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: GA

Complaint narrative:
I have disputed collection accounts multiple times from all three credit reporting agencies to include XXXX, Equidax, & XXXX. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. XXXX  has removed the incorrect reporting of collection agencies on my credit report ; however, Equifax and XXXX  has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened an account on XX/XX/XXXX with a promotion for {$400.00}. Code XXXX. The promotion required a direct deposit of {$2500.00} and the bonus was to be credited XX/XX/XXXX. I have met the terms with an employer direct deposit and have not received the bonus as advertised. Please help rectify this situation and credit my account with the {$400.00} bonus as advertised. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I have had multiple incidences where Upgrade has received my payment but holds it rather than applies the payment to my account. Today, when I spoke to them about my payment that has been with them for eight ( 8 ) days and still not applied, the customer service rep said their website payment instructions say to allow them fourteen days ( 14 ) from date payment is received to apply it to my account. 

I believe this is willful fraud to collect late fees from customers and is doing irreparable harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
Why is it that we have to pay for PMI, and ask for forbearance? 
If we pay PMI and are effected by COVID school closures and job losses go on forbearance, I feel that PMI should pay mortgage payments for those affected after or before forbearance, or refund mortgage payments? 
Is humiliating having to explain why you have it, and now that we need it Booyaw, stick it to the poor man

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
I opened an account with Coinbase on XXXX after providing them with ID info and checking account access in order to pay for purchase of XXXX coins. I made 3 purchases one on XX/XX/XXXX for {$2500.00} another purchase on XX/XX/XXXX for {$7500.00} and a final purchase on XX/XX/XXXX for {$4300.00} totaling {$14000.00} in total coin purchases that Coinbase withdrew from my checking account. The last {$4300.00} purchase I questioned Coinbase by email asking for clarification about it because I forgot what coins I had purchased with that withdrawal. Coinbase immediately locked my account, assigned me a case number and told me they would have a response in 4-5 days. Customer support emailed me on XX/XX/XXXX giving me case # XXXX - QUESTION ON WITHDRAWAL FROM MY CHECKING ACCOUNT. 
I did not hear back so I escalated my case and on XX/XX/XXXX the gave me an new escalated case number XXXX saying they would get back to me within 15 business days. Once again they did not get back to me. At that point I kept following up with numerous emails asking when they would unlock my account so I could have access to my money. No response. On XX/XX/XXXX I received an email from Coinbase customer support as follows : Hi There, Thanks for the response! We would love to help you further, however, this case has been closed and can not be reopened. 
Please submit a new ticket to our online support form here for continued assistance : https : //help.coinbase.com/en/contact-us.html Thanks, Coinbase Support They closed this case number after keeping me waiting for 2 weeks and never once responded to my issue. 
This company has hundreds of complaints of accounts being locked. The only way to communicate is by email to their customer support and they are no help whatsoever. There is no phone support, you can't speak to anyone. It's frustrating and what they are doing amounts to theft of small client funds. If one is a large institutional investor I doubt they be treated this badly. 

All I'm asking is for this company to be honest, unlock my account that should not be difficult. 

PLEASE PLEASE HELP THIS IS WRONG AND THEY DON'T SEEM TO CARE. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020, XXXX XXXX  XXXX. add a hard inquiry on my credit report. The company 's response is attached.

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 2021-02-17 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: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB Management continues to try to collect on the debt and they refuse to provide the information i continue to request from. 

i have asked for this information below numerous times and they simple ignore my request and attempt to try and settle the debt. 
Collections agency must provide these : 1. What the balance they say owe is for with proof of payments up to that balance 2. Explain and show you how you calculated what you say I owe 3. Provide you with copies of any papers that show I agreed to pay what you say I owe 4. Provide a verification or copy of any judgment if applicable 5. Identify the original creditor 6. Prove the Statute of Limitations has not expired on this account 6. Show you the you are licensed to collect in my state 7. Provide you with your license numbers and Registered Agent or Agent of Service With that said I just want them to abide by the law or remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
There is 2 accounts that were closed and still showing a derogatory remark on credit reports. This company will not completely close these accounts. They have agreed to and then they charge them off but leave it in credit as negative. I have disputed it over and over and I have been told numerous times it will be removed from report. As far as negative on credit score. When I dispute it they just respond the same way. And one of these accounts were opened under my name fraudulently I have told them that numerous times and no one seems to want to help me. These need to be removed right away please. I am just trying to repair credit.

Company response to consumer: Closed with non-monetary relief