vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX never reports accurate information. This time is different. The balance they reported was the highest balance that I let the account have and was no where near the closing or reporting date. 
I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. I spoke with XXXX and I was told nothing could be done. I requested the corporate phone number then was transferred to XXXX, a manager, same response until I was transferred to XXXX in the corporate office. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have {$0.00} balance on both of the cards I have with them.

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 2021-05-05 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: IN

Complaint narrative:
XXXX XXXX never reports accurate information. This time is different. The balance they reported was the highest balance that I let the account have and was no where near the closing or reporting date. 
I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. I spoke with XXXX and I was told nothing could be done. I requested the corporate phone number then was transferred to XXXX, a manager, same response until I was transferred to XXXX in the corporate office. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have {$0.00} balance on both of the cards I have with them.

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

Complaint narrative:
XXXX XXXX never reports accurate information. This time is different. The balance they reported was the highest balance that I let the account have and was no where near the closing or reporting date. 
I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. I spoke with XXXX and I was told nothing could be done. I requested the corporate phone number then was transferred to XXXX, a manager, same response until I was transferred to XXXX in the corporate office. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have {$0.00} balance on both of the cards I have with them.

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 2021-05-05 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: NY

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
Went to a recorded audio and video meditation hearing in which the debt was written off and dismissed in a recorded audio and video meditation hearing.

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

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least XXXX to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
On XX/XX/2021 I deposited {$100.00} dollars into my Robinhood account. I am not able to withdraw funds from this account. I was told that if I uploaded my ID I would be able to both transfer my money and trade on Robinhood but that has not been the case even after I uploaded my ID. I want my money free to be transfer out of Robinhood account to my personal account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
This was my second card with this company, I had my first credit card stolen from my mailbox as we have a lot of mail theft. XXXX refuses to send them priority mail or private mail. So I received my new card. Around the beginning of XXXX I noticed I couldnt find my card, I got my bill and noticed two extremely strange charges on my bill. I immediately called and told them my concerns. She was rude and I could barely understand her. She insinuated I wasnt telling the truth. 
The fraud department wasnt very helpful and ruled against me. Then sent me another card with telling me, which was stolen from my mailbox. I had no knowledge another card was even in circulation. Someone is now going around town spending my card on smoke shops and expensive gasoline. I am a severe asthmatic I would never go to a vape shop nor would I spend {$70.00} in a gas station. This credit card company is taking advantage of me as the consumer and continues to bounce me from department to department. I dont have a lot to money and they are expecting me to pay for it even though I havent used the card since mid XXXX to buy pizza. That was the lag time I had their credit card. 
Additionally, they said I made a payment of {$160.00} dollars in XXXX, I dont remember doing that and I looked back in my bank account. Theres absolutely no record of this payment. SoWHO HAS CONTROL OF MY ACCOUNT????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXX improperly denied the borrowers ' application for a loan modification on the basis the P & I payment that it could offer through a modification ( {$1900.00} ) was more than the borrowers ' current P & I payment, which it alleged to be {$1900.00}. 
The borrowers previously entered into a step rate loan modification in XXXX, with an initial interest rate of 2 % and a P & I payment of {$1900.00} for the first 5 years of the modification. However, the interest rate and P & I payment were scheduled to increase in years 6, 7, and 8, until the interest rate reached 5 % in XXXX and the monthly P & I payment was {$2800.00}. Presently the monthly P & I payment which is being charged to the borrowers account each month is {$2800.00} and based on an interest rate of 5 %. If XXXX used this P & I payment amount, which is the current P & I payment amount, the borrowers would be found eligible for a loan modification that would reduce their interest rate to 2.75 % and their monthly P & I payment to {$1900.00}. XXXX  is improperly reviewing my application for a loan modification based on the monthly P & I payment in XXXX, not the current interest rate and monthly P & I payment which it is charging to the borrowers ' account.

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 2021-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
TD Bank case number XXXX I have been trying for 6 years to try to get my money back from TD bank, who have frozen the funds and I am awaiting for my money to be refunded. It all started when I was looking for a holiday resort to stay in Hawaii and this " pop Up '' came up to purchase it threw them by paying {$1800.00} US by bank Transfer from my account in XXXX to TD Bank, I sent some emails and the fraudster responded so I thought it was legitimate. Then on XXXX XXXX th XX/XX/XXXX I purchased the supposed holiday, and the next day I realized it was Fraud. I called my XXXX XXXX  to put a stop and they said they will try but because it was more than one day it may not help, and they also sent emails to TD Bank and still no refund. I spoke to a XXXX XXXX at TD bank Investigations Team for approx. 2 years to resolve and no refund. He no longer works there and so I have been trying for years to have my money refunded and the Bank keeps changing the goal posts. I actually came to XXXX XXXX TD Bank and spoke to Mr XXXX XXXX around XX/XX/XXXX and he also tried to help but to no avail, because the Investigations Team, Now, no longer speak to people, it has to be done by email. I have tried for years to get the refund and surely the fact that the funds are still in Limbo in TD Bank, and I am the only person making a claim for my own money clearly states it is mine. The bank also asked me to get the Police at XXXX XXXX to investigate, and the Officer I spoke to said, because the money has Not left the bank or transferred to anyone, then the transaction is not completed. So I ask that common sense prevail and to please return the money to the Sender, which is myself as per the Bank Transfer Documents. I can be contacted by email on XXXX or Mobile/cell phone. 
Please Help, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05 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: Lending Club Corp
State: IN

Complaint narrative:
Lending Club never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called Lending Club and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05 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: AZ

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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:
My Equifax credit report changed my name to name of some other person with similar spelling and included unrelated addresses in my report. This happened last year. I have wrote twice to Equifax with proof of my identity and name. However they did not correct my report nor give my any response.

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

Complaint narrative:
I have tried a few times to have equifax accurately show that my auto loan from XXXX bank and trust is an open account and in good standing. There hasnt been a late payment on this account in several years. I have tried to have this fixed. In my dispute results, under date closed, there isnt anything, but its still showing as a closed account.

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

Complaint narrative:
In late XX/XX/2020 I opened a XXXX account and on my mobile device a XXXX XXXX. I did so and followed all instructions about the phrase they use to recover. Then just a few days later when I went to open the wallet, it prompted me to add 2 step authentication XXXX a program on my mobile device that gives me a new code each time I login, for safety purposes. When I performed that task, it gave me a recovery code. I have the screenshot and print out. It is a lengthy code of various numbers and letters. At the bottom of the page it states " you have now enabled 2 step verification for your account. Please note that if you lose this code and your password, you will permanently lose access to your account while 2 step verification is enabled. '' so during XXXX through XXXX I used the wallet app and opened on regular basis, depositing various currencies. I have record of deposits. Then one day it would not allow me to open, stating something on my phone had changed? So I went to the recovery code I printed and gathered my login and password only to find they now want the 12 word phrase used at the creation of the account. I have reached out to XXXX and got a standard reply while I was traveling. By the time I got back the inquiry had expired and I had to contact them again, they again stated I needed the 12 word phrase. I replied with the information I noted above and to date have not gotten a reply in any form. I had deposited almost {$10000.00} and that is worth more now. I did exactly what the program advised me to do. I saved the code it gave me, and I have the password and login for my account. This is a public company so was surprised by the lack of communication and assistance. It may be an accidental or innocent oversight on how they set up their program, but fact of the matter is I have done exactly as asked. Please let me know what if any information is required. I have the code and instructions saved and also printed. I have the deposits and dates also. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on 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 2021-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander Account has been reporting a Charge-Off status to XXXX XXXX and XXXX  credit bureaus EVERY MONTH on my Credit Report. The Account Status is inaccurate reporting and it is damaging my ability to get employment and housing. Santander continues to validate the Account status

Company response to consumer: Closed with explanation