vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: NC

Complaint narrative:
I've been making regular payments to XXXX XXXX for quite some time, yet they continue to report my account as delinquent. They keep reporting me late, even though I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost 100 point difference than my FICO with all the credit bureaus. My score ranges from XXXX but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to Capital One when determining me for a car loan. Getting a pre approval is kind of misleading as Capital One invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Online message sent to Chase on XXXX XX/XX/2020. Promised a response in 1-2 business days. NEVER RECEIVED A RESPONSE ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX + {$5800.00} Closed XXXX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3100.00} Closed XXXX XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-08-27 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX + {$5800.00} Closed XXXX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3100.00} Closed XXXX XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: TX

Complaint narrative:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX/XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified, that the reached out the creditors/collectors and that information was verified or accurate. Nothin was done to my report, it's still showing inaccurate information. This is the inaccurate information that they are reporting to my credit report. 

Account Type - Detail : Incomplete Date Opened : Inaccurate High Credit : Inaccurate Credit Limit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a text that my Coinbase password had been changed and if I did not do this to call. I called and froze my account. A couple days later someone called asking me to send in my ID and provide authorization code to authorize my account. They told me my account was closed and secure. A few days later I was able to change my password and log in. When I logged in I notice over 22k of XRP coin was taken from the account. I reached out to coinbase to tell them and they froze my account again. Since then I can not get a response from them. They do not answer the phone and only allow for messages they will not return. I have messaged multiple times for them to follow up and no one is responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning Signs has purposefully and maliciously degraded me as I called to resolve the two account on my record. The representative, two of them at different times, belittled me and said that I purposely chose to defraud the bank, not knowing anything about my mental or fanatical conditions as the accounts closed. When calling to make good and pay off the debts, I was sternly told that I will still have the derogatory marks left on Early Warning Signs as a punishment and that is quote unquote, and I happen to know that that is not within standards of this great nation as a consumer who has paid off an outstanding debt. I have the right to get them removed from my Early Warning Signs report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I apologize for the delay in my payment.i was laid off from my job and the financial stress had caused me to fall behind on my payment.as your records indicate I have been an excellent customer with a good payment history until the economy took a dive.i enjoy being a loyal customer of Toyota motor credit corporation an I would greatly appreciate it if you would give me another chance by deleting the 30 day late payment mark on XX/XX/2019 on my XXXX  credit report.thank you for taking the time to read this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have had ongoing issues with this company. First I had close to XXXX worth of fraud charges done in 8 separate transactions on my card XX/XX/20. I immediately called and had the card locked. In another complaint Ive issued they had done ever provisional credit incorrect and I had to call countless times to get them to fix. Finally those were put on my card. On XX/XX/20 I get an email stating Ive withdrawn one of the disputes in these fraud charges of {$190.00} and since I have withdrawn it would be in favor of merchant and it was put back on my card. I NEVER withdrew. I immediately called when receiving that email and they said of course I didnt they would issue the dispute again. They have not and it is still on my card. Payment is in 4 days and it will hit my perfect credit history. Attached is all of these transactions and the total about from this merchant. Adding all together and subtracting the XXXX they have taken out they have not given me back full correction adjustments. I have yet to receive a call back from their escalation team and complaint department that I was assured would be calling me because of how many things Ive had to go through and beg to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Im a XXXX year old who has been sued by Asset Acceptance LLC for a {$300.00} credit card that was paid off in XXXX. The company had already taken over {$6000.00} and the judge told me that if I filed another complaint against the company, Id be thrown in jail! I do not owe this company. Theyve taken over {$10000.00} from me. Over {$800.00} was taken out of my account today, XX/XX/XXXX. My taxes, bill money, and social security has been taken by this company. I have no one to turn to and Im behind on bills and about to be thrown out of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: MI

Complaint narrative:
On XX/XX/20 I called to see why on my credit report it was showing a balance instead of saying that the debt was settled and was transferred and hung up on several times before reaching anyone. Once i reached a representative, he was very rude and told me to pay the balance and that this was going to remain on my credit forever. I asked him why when my account was settled by another representative. I am blaming the Bureaus because they hired these shady people to take payments for them and lie and say that everything would be settled and deleted from my credit report as soon as i settle but lied to me because it is still on my credit report. I would like this to be deleted just was I was told and want information that it will be because i went even far as leaving compliant and was never contacted back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: TX

Complaint narrative:
I transferred {$1200.00} from my linked credit union checking account to the Cash App card I have, which I planned on using for rent. I did this on XX/XX/2020, after my XX/XX/2020 attempt to pay rent online was declined due to a clerical error ( incorrect bank routing number entered ). My intention was to use that card to withdraw cash to pay rent with a XXXX, as now required by my apartment complex. My credit union is XXXX XXXX XXXX XXXX ( where I used to live, in XXXX  ) and my current home is the XXXX XXXX XXXX in XXXX XXXX. My legal name is XXXX XXXX, but I go by XXXX ( hence my username on Cash App, $ XXXX ). 

Since my associated debit card was canceled around the same time ( my credit union sent me a replacement recently ), I assumed thats why the money didnt get to my cash app card. The company told me I had to have a card associated with their Cash App card, but once I replaced the debit cards with the replacement, the money didnt go through. 

Cash App does not show receipt of the {$1200.00} transfer, but my credit union shows {$1200.00} leaving my account and going to them. I never received it despite even replacing the credit union debit card to back the Cash App card it requires. My rent is now almost a whole month late, and Im facing eviction. They refuse to respond to emails, messages, and wont call. My credit union said theres nothing they can do, but Cash App wont fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
In summary, I have no access to my account online, the company does not send paper notices, email statements, or have they discussed the amounts in question while on the phone. 
Trade/turn in issue : In XXXX XXXX  I leased a vehicle through XXXX XXXX XXXX serviced by NMAC. I have paid every payment on time in full from day one. I have been trying to trade the vehicle in since XXXX XXXX. This had mot come to fruition due to a number of reasons including poor communication on behalf of the sales team, suitable vehicle availability, scheduling test drives during COVID. At the expiration of the else I continue to have issues that included getting call backs from the dealer to get inspections and turn in scheduled.

Managing the lease : I opted into paperless accounting. At the expiration of the lease, I attempted to access the account. I was locked out by NMAC. The phone number provided had a COVID related message suggesting calling at a later date, which I did as well. I was unsure of what i would owe without this access. NMAC finally contacted me right as we identified a new vehicle during mid XX/XX/XXXX. I expressed the desire to return the vehicle and requested a communication of what was due on the account. I was contacted by them again and expressed the same only to be refused the account balance yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
During COvid-19 i didn't received the statement or the payment didn't applied quick enough. I was shocked when I reviewed my credit report and found late payment on XX/XX/2020 for 30 days. 

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 that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/20 I called to see why on my credit report it was showing a balance instead of saying that the debt was settled and was transferred and hung up on several times before reaching anyone. Once i reached a representative, he was very rude and told me to pay the balance and that this was going to remain on my credit forever. I asked him why when my account was settled by another representative. I am blaming the Bureaus because they hired these shady people to take payments for them and lie and say that everything would be settled and deleted from my credit report as soon as i settle but lied to me because it is still on my credit report. I would like this to be deleted just was I was told and want information that it will be because i went even far as leaving compliant and was never contacted back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: NY

Complaint narrative:
I received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost 100 point difference than my XXXX with all the credit bureaus. My score ranges from 613-630 but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to XXXX XXXX when determining me for a car loan. Getting a pre approval is kind of misleading as XXXX XXXX invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost 100 point difference than my XXXX with all the credit bureaus. My score ranges from 613-630 but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to XXXX XXXX when determining me for a car loan. Getting a pre approval is kind of misleading as XXXX XXXX invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a pre approval for auto loan and I applied to be pre approved and the score theyre saying I have is an almost XXXX point difference than my XXXX with all the credit bureaus. My score ranges from XXXX but the denial letter for the application has me at a FICO score of XXXX. The denial letter listed alll of the credit bureaus so Im not certain why these give false information to XXXX XXXX when determining me for a car loan. Getting a pre approval is kind of misleading as XXXX XXXX invited me. I also hv a credit card with them that Ive paid on a consistent basis. I dont know why my score is so low when they pulled my score and why Im being denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Ascendium Education Group
State: IN

Complaint narrative:
Pursuant to HR 748, the " CARES Act '' Ascendium Education Solitions VIOLATED THE LAW and has engaged in collection activities that have financially harmed me and my credit report. 

I have two ( 2 ) student loans that are in default status, and Ascendium is such a poorly ran company I have been attempting to contact a human since XXXX to resolve this. 

According to the CARES Act, they are prohibited from any collection activities until originally XX/XX/XXXX, but now extended until XX/XX/XXXX. 

They ILLEGALLY reported negative information from XXXX through XXXX. This is a violation of the law and my rights. Refer to Subtitle B - Educational Provisions - Section 3513. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: NV

Complaint narrative:
These are not my accounts. Please remove 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