vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citi lowers my credit line every 6 months and this has happened at least four times. Enough is enough on XX/XX/2021. I get your credit line was revised. Citi refuses to change it back. This is ridiculous considering my credit only got better monthly. Each time they do this my credit score take a huge hit so it dropped XXXX points. 

So each time CITI had done this my score has dropped. XXXX points total. I believe that Citi does this intentionally so a person can never get ahead. Ive never missed a payment. I would like Citi to do the right thing. See my FICO from there website. They continue to lower my score every six months.

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 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
The company is coinbase pro that serves as a wallet and portal for cyrptocurrency. Without notice, Coinbase upgraded it's security protocol that required two factor authentication using a cell phone number.

When myself and many others tried logging in, we were unable to access our funds because we had not setup cell phone numbers within our accounts. I have sent numerous correspondences with my Govt. ID and other verification documents but they won't respond ( beyond automated responses ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX, MI on XX/XX/XXXX to discuss turning in my XXXX XXXX XXXX early. The sales person had no interest in helping me. I went to a different dealership found a car that I love and now Ford will not give me the information I need to get the other vehicle turned in. I have called Ford Credit, they told me to call the dealership. My new sales rep called XXXX XXXX and they refused to give her the information. I have called on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. No one will assist me. I then called the customer complaint line XXXX, and she told me this is something the dealership handles. I am beyond fed up and I know they are going to try to charge me for wear and use when i purchased the extended warranty and my sales person told me on XX/XX/XXXX I wouldn't have to worry about any of that. I would rather uber for the rest of my life then to ever purchase a Ford through XXXX XXXX ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2021-03-30 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
My student loan, is owned by Navient. Up until XXXX, XXXX, I've either been in their forbearance, or deferment programs. However, from XXXX XXXX, they inconsistently listed my account as 'late ' by 90 and 120 days. However, my account was in good standing, for the previous month ( s ). Example : XXXX & XXXX, XXXX, shows my account 90 & 120 late, but XXXX, XXXX, and XXXX, my account is in good standing. So, how can I be 90, or even 120 days behind? XXXX and XXXX, would have had to be 30 and 60 days, behind, but they are being reported as in good standing. This is the case for XXXX & XXXX, where Navient is inconsistently showing, my account, as 90 & 120 late, when the preceding month ( s ), are in good standing.

I've sent all three ( 3 ) credit reporting agencies, a formal dispute. All but one ( 1 ), XXXX, have removed the in formation. I even wrote Navient, and they refuse to either correct, or remove the items in questioned. Replying, that I was late, and that my deferment didn't cover the dates they are reporting. Their reporting is skewed, and without merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. The finance company was XXXX. After a few months, my loan was acquired by Santander. After paying for years, in XXXX Santander indicated that I still owed approximately {$8000.00} on the XXXX XXXX. My last payment to Santander was XX/XX/XXXX. I do believe at that time, I requested an audit of my account, because I was still paying for a vehicle 10 years later. I did not receive any additional information from Santander until XX/XX/XXXX, when they reposed the vehicle and stated that I owe them approximately {$10000.00} on the XXXX. I would greatly appreciate any assistance you can render. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: GA

Complaint narrative:
Transunion refused to delete fraudulent inquiries reporting from XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. Transunion customer service would not help and take care of the fraudulent negative inquiries reporting to my credit report.Transunion file number is 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 2021-03-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: MO

Complaint narrative:
On XX/XX/XXXX I informed Direct Express and Social Security that my Direct Express card was lost and I needed a replacement. Social Security reported they cancelled the card and would replace it with a new card which would take 7-10 business days. 

I contacted Direct Express after a week and they reported they needed a XXXX Consent based process to begin form with Social Security I contacted Social Security and they told me they don't do this anymore. They requested an ID, Social Security Card and Birth Certificate which I do not have as they were lost also. My Case Worker provided a copy of my ID and it was not acceptable without a copy of the back of the card. So this process ended. 

I received letters dated XXXX and XXXX from Social Security stating it would take 1-2 months for the money to be transfered to the new card. I contacted Social Security again by phone regarding the letters and was told Social Security has nothing to do with Direct Express. 

I contacted the Social Security office XX/XX/XXXX by phone with my Case Managers and I was informed it would be 3-4 weeks before I get my card and Social Security is depositing regularly to the new card. 

Wednesday XX/XX/XXXX My Case Manager and I contacted Social Security to report my concerns that I am unable to access my money with Direct Express. The representative denied that Social Security has anything to do with the process yet the letters explain the length of time 1-2 months that they take to deposit to a new financial card. After I read the letter to the rep she looked further into the problem and assured me the card should come soon. 

Friday XX/XX/XXXX My Case Manager and I attempted to call Direct Express, after waiting on hold for approximately 30 minutes we reached a representative. We were told Direct Express could not help me until we contacted Social Security and filled out the consent form. I tried to explain that the Social Security Offices were closed and I was unable to complete the form. Social Security had already informed me that they no longer use that consent form. 

Social Security did inform me by letter dated XXXX stating my social security number is in my name which was the verification they asked me for. 

I do not have my card and am unable to pay my bills. Thank you for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: SC

Complaint narrative:
I have been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I believe that HSBC lowered my credit line. They have not issued any letter or calls stating this. They have the absolute worst online site. You cant see your limit except for the last statement which show {$2500.00}. So I was buying something small and last I knew had XXXX or more available and I was declined. I looked at my statements and my credit score hasnt change much in fact has got better. Ive never missed a payment. What they are doing is Wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am a single mother of XXXX children under the age of XXXX. 

I had signed a new contract with XXXX XXXX XXXX XXXX on XX/XX/2020, due to a separation divorce on my end. 

On XX/XX/XXXX, two weeks after signing the contract, I reached the office in person, spoke with their assistant manager, surrounded the apartment, gave them back the apartment keys. Also, I explained that my current self-employee job and workplace were being shut down and closed due to COVID-19 until further notice ( letter received from my workplace/ the landlord was on XX/XX/XXXX ). 

I informed them that due to the uncertainty of the current global situation, I would surrender the apartment because of job loss and hardship. On XX/XX/XXXX, I received their final " Move-out '' statement dating the " cancellation charge date as of XX/XX/2020 '' and the move-out date " XX/XX/2020, '' with an outrageous final charge of {$6900.00}. 

I had called them several times to speak to the manager in charge, not the assistant manager ; it was denied, according to them, because the case was closed and on the way to collections. 

On XX/XX/XXXX, XXXX, I sent an email to their local and corporate office asking them to have these charges removed in good faith and stop the collection process because of the COVID-19 PANDEMIC situation, me not being in the apartment, not even a month under the contract.

Also, I informed them that the contract stated that violates the spirit of the force majeure clause of the agreement ( Due to an unforeseen- CORONA-19 virus ). And, it also is unconscionable during this unprecedented pandemic. 

No responce from them, or corporate. Now my credit is ruined. I am unable to rent anywhere else because of the collection debt on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I reserved 2 hotel rooms for a future date in the Marriott mobile application at the XXXX XXXX in XXXX XXXX and was never presented with a disclosure that the hotel required a deposit to hold the reservation. In addition, the hotel even calls out that one can cancel the reservation without any penalties a number of days prior to the reservation date. On XX/XX/XXXX, Marriott 's XXXX XXXX in XXXX XXXX charged my Marriott XXXX credit card for a hotel reservation in XXXX XXXX two separate charges of {$660.00}. I contact the XXXX XXXX and they apologizes for the charges and would reverse them. These charges were presented on my XX/XX/XXXX statement ( Payment due date ). 

My XX/XX/XXXX statement showed only one charged had been credited back to my Marriott XXXX account on XXXX XXXX, XXXX. So contacted the hotel again explaining to them the situation as I had now received a notification that a credit bureau had been informed that my account with Chase ( Marriott XXXX ) was delinquent. The XXXX XXXXXXXX XXXX  accounting department called me back later on XX/XX/XXXX to inform me that they had made a mistake and that their account system only processed one of the two charges. 

This morning ( XX/XX/XXXX ) I reached out to Chase seeking their assistance in reversing the delinquent notice to the credit union. They explained to me that I was at fault for assuming that the XXXX XXXX, their partner and affiliate for the Marriott XXXX card, would have processed both refunds. They went on to say that I should have paid the minimum balance for a charge I did not approve and attempted to handled directly with their partner and merchant, Marriott. Chase had initial informed me that I could dispute this charge but it would be easier if I contacted their partner, the XXXX XXXX. They did not disclosure to me the potential impact by not opening a dispute if this situation went on for some time. The Chase Credit Bureau Specialist Unit further stated that I need to contact the credit bureaus to resolve my issue and reiterated that I should have paid the minimum and I could have called back to ask for my money back. They were able to see this morning that the refund from the XXXX XXXX in XXXX XXXX was pending and would clear tonight. 

My concern is what is a consumer supposed to do if a credit card company is not willing to assist one of their customers when the credit card company 's partner illegal charges that customers credit card. At this time, my credit score has been impact by Chase 's actions along with Marriott 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2021-03-30 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: SC

Complaint narrative:
I have been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
My driving record has 2 accidents listed because the claim made one was incorrect but im going to get car insurance again and im being penalized for both accidents even though one of the claims wasn't paid out because it was incorrect. I tried solving with the insurance specialist and i keep getting a hotline number for Lexus Nexus and no response. so i call insurance back and they tell me to call this really good company that will fix it. it ends up being lexus nexus again. no option to talk to someone in customer service. does this company actually fix things? been over a week and no response calling multiple times a day NEVER able to get someone on the line, no option to hold for someone, just says thank you someone will get back to you and ends the pre-recorded call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Amerihome is falsely reporting to the credit bureau that my payments are late when they have been on time and most of the time early.

Company response to consumer: Closed with explanation