vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested the method of verification for XXXX XXXX XXXX and was never supplied the method of verification. I have attached the original letter that was sent certified mail. The letter was delivered XX/XX/XXXX per postal tracking number. They are going against the fCRA. I want this inaccurate account deleted. The letter was delivered and they never notified me that it was under investigation. They never investigated nor provided me with the method of verification.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: SC

Complaint narrative:
I have filed a dispute in regards to it incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about inaccurate and unknown things on my credit report, it's been more than 120 days after the fact and I have not gotten any reacts. Consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 120 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have now disputed this with Experian and XXXX  and neither of them resolved this issue. 
XXXX has reported that 9 of my student loans were 90 and 120 days late on payments and my credit reports both reflect that. 
The reports show that on all 9 loans, I was 90 days late on payments in XX/XX/2016 and 120 days late on payments in XX/XX/2016. I have never made a late payment on these loans. 
In addition, each loan shows that I was current on my payments in XXXX of 2016, just one month before I allegedly became 90 days late on payments. None of the reports show a 30 or 60 day late payment, so how was I suddenly 90 days late on all of these loans? 
XXXX did not have an answer to this question either, yet my reports are still showing this. 
I have attached screenshots from my Experian credit report of the 9 loans and how it shows I was late in XXXX and XXXX of 2016.

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Collection agency failed to validate debt. that's not mines. attempted to contact many times with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Hello, I contacted ( cryptocurrency exchange ) XXXX 's support about a potential attempt to compromise my account. Basically, I received a text at my business account with an authorization code for a coinbase account. This number was not associated in any way with my personal coinbase account, but I feared it might be an elaborate hacking attempt. Over a week later coinbase locked me out of my own account, claiming that they were helping to protect my funds. 

I have been locked out of my account ever since and have made several attempts to regain control. I altered my password, according to their suggestion and sent an email requesting re-access, to no avail. 

I have made several attempts to contact XXXX  support but am being perpetually ignored. I have written several emails, posted on their XXXX page, commented on their XXXX, messaged then directly on multiple social media platforms. I have never gotten a single response or even viewed message from their team. 

They are essentially holding {$2000.00} of my digital assets hostage, without any timeline or plan or information regarding a safe return. 

Additionally, there are hundreds, if not thousands of customers to whom they are doing the same exact thing. This should be considered XXXX. 

XXXX is actively allowed to profit off of the coins that they hold custodially. Meanwhile the customers who they claim to be working for are having no access to their legally entitled funds. The amount of damage that they are causing to people 's lives every day is immeasurable. I implore you to help me and consumers like me in getting this issue resolved. And not just on a case by case basis, but permanently. This is a disgusting miscarriage of justice that has been probably carried on for at least 3 years. 

The evidence for XXXX and their tendencies to abandon customers and seize funds without just cause or legal grounds is staggering. It is absolutely disgusting that they could even be considered for a public offering right now. If allowed to continue, this approval would be led strictly by greed and not reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On or about XXXX XXXX I received a phone call from a place called XXXX whose name may have been changed or otherwise to XXXX or XXXX XXXX XXXX Possibly Called XXXX XXXX As Well. They called family and myself making threats if I didnt make a payment then they would proceed with actions within the laws of my state regarding an Ace Cash Express pay day loan. I had been paying on this loan and the place was just XXXX. Ace Cash express never called me or wrote me any communication and simply said pay when you can. The Debt collection agency also never sent me any written letter or otherwise concerning this debt. This situation caused me anxiety, nightmares and a health scare due to the stress I endured. They called from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
A company called I.C. Systems is on my credit report for the amount of {$2000.00}. The date of this account was opened XX/XX/2020. I have disputed this account on all 3 credit bureaus. XX/XX/XXXX & XX/XX/XXXX removed this fraudulent activity!! This is fraud! The information they have on me is stolen. I have no knowledge of this account and believe my ssn was stolen.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I submitted disputed and the 3 bureaus have not updated me on the accurate and verified the information 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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A student Loan from a company called XXXX appeared on my credit report. This does not belong to me and i don't have any association with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A student Loan from a company called XXXX appeared on my credit report. This does not belong to me and i don't have any association with that company.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I submitted disputed and the 3 bureaus have not updated me on the accurate and verified the information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have now disputed this with XXXX and Transunion and neither of them resolved this issue. 
XXXX has reported that 9 of my student loans were 90 and 120 days late on payments and my credit reports both reflect that. 
The reports show that on all 9 loans, I was 90 days late on payments in XX/XX/2016 and 120 days late on payments in XX/XX/2016. I have never made a late payment on these loans. 
In addition, each loan shows that I was current on my payments in XXXX of XXXX just one month before I allegedly became 90 days late on payments. None of the reports show a 30 or 60 day late payment, so how was I suddenly 90 days late on all of these loans? 
XXXX did not have an answer to this question either, yet my reports are still showing this. 
I have attached screenshots from my XXXX  credit report of the 9 loans and how it shows I was late in XXXX and XXXX of 2016.

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 2021-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
Contacted Rocket mortgage and got pre approval for a loan up to $ XXXX. Talked to XXXX XXXX XXXX XXXX XXXX XXXX Call or Text ( XXXX ) XXXX Email : XXXX XXXX : ( XXXX ) XXXX NMLS : XXXX, and was informed that because i was in active chapter XXXX bankruptcy that they could not approve me for a loan, even though i can get a letter from the trustee. I can get a FHA loan. But they refuse to help qith my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account XXXX has been closed since XXXX so why am I still getting late payment for the year XXXX and XXXX. The account has been closed. The company also credit my credit report every month with Experian.

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 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I was locked out of my coinbase account do to an unauthorized transactions, after being sent an email to follow steps I followed every step I was then sent an email on XX/XX/XXXX I received this email We have successfully collected the funds from your recent failed transfer. However, there may still be restrictions on your account. And since then I havent heard anything back from anyone my account is still locked with over XXXX dollars in it. Ive been emailing for the past month and still nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
On XX/XX/XXXX, I called ChexSystems to dispute inaccurate and negative information in the file ChexSystems maintains under my Social Security Number that has financial institutions suspecting fraud when deciding to open an account with my social security number. My application was rejected due to ChexSystems reporting my Social Security Number was issued in XXXX in Tx. In which is not true or correct information. I was born in the latter part of the XXXXXX/XX/XXXX. Therefore, the information ChexSystems is reporting regarding my social security number being issued in XXXX is totally inaccurate and misleading and not true. And it is damaging my character, affecting my ability to open new accounts. According to FCRA, Section 623 ( a ) ( 3 ) this is for creditors/banks. ChexSystems is not abiding by any of the laws set forth by the Fair Credit Reporting Act. The statement ChexSystems has on the report for my social security number is a lie! And is defamation of my character. The public should be made aware of the unethical business practices by ChexSystems.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is currently in litigation for predatory lending and a list of other things. I want them removed.

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I took a trip to XXXX in XXXX. The hotel placed charges on my credit card that did not belong to me and when I contacted them about the issue, they confirmed in writing that the charges were for another couple. I disputed the charge with Capital One and provided that letter as well as the correct billing for my room and services which were paid for using another credit card, however, they claim that I did not provide them with the documentation that they requested and that they would be reapplying the charges that belong to another traveler to my credit card. This amounts to fraud on the part of the hotel and it is being sanctioned by Capital One. I need to know what my options are to receive a refund and to stop these fraudulent charges to my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: IL

Complaint narrative:
I and my wife opened a U.S. bank joint checking account on XX/XX/2020. We opened it on the U.S. bank branch located at XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. 

When we opened this account, we printed out a summer promotional advertisement with us. The promotion offered a {$200.00} dollar opening bonus for the new customer. At the branch, we double-checked with the staff who helped us open the account, as my wife previously opened a U.S. bank account then closed it. The staff assured us that we were still qualified to get the bonus, since I was a new customer and never did business with U.S. bank ( she said as long as one of us was a new customer, we can get the bonus ). She also showed us the monitor screen when she typed in the promotional code during the application process. This was a smooth process. 

After that, we immediately set up direct deposit with three payments ( ~ {$4000.00} ) monthly to this account, we also used it to pay our mortgage and other credit card expense. So I'm 100 % confident that I met all the requirements to receive the bonus. 

Earlier this year, I realized we still haven't received the bonus, so I tried to contact U.S. bank to figure out what happened. First I tried to contact the local branch where we opened this account. First time, no one answered my call. Then I tried to make a phone call appointment ( at Janurary XXXX ). Although the appointment got confirmed, I never received a call from them. Third time, I contacted the customer service ( on Janurary XXXX ) and waited 20 mintues, the customer service looked into my account and told me our account did not have the promotional information. This directly contradicted both me and my wife 's memory, as we both visually observed the staff typed in the promotional code when she opened the account for us. The customer service told us she will ask a specialist to look into our case, and we will be contacted within a week. Now more than a month passed, no one actually contacted us, kind of as I expected. We are very disappointed about U.S. bank.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I have filed a dispute in regards to it incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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