vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I just refinanced my house and my loan was just bought by Village Capital. My house received damage and i summited a claim against my insurance company ... I was informed that the house had 17,000 dollars in damage my roof was needing to be replaced along with the back porch and carport. We was having more storms on the way so I paid out of my pocket to replace these items cause I didn't want more damage to the house.. Thus trying to protect my home from further damage. 
when I received the check from my insurance company they had the check made out to me and the mortgage company.. I called the Village Capital and was told to over night the check to them and they would endorse it and return it to me. They sent the check back to me and said that cause the check was over 10,000 dollars that I had to endorse the check and send it back to them ... I signed the check and returned it again to them the check seat there for weeks without them doing anything to have my funds returned to me ... I continued calling the company and was told that it takes time and that they would send an inspector out to the house to ensure that the work was completed ... When an inspector came to the house they signed off the work as competed and summited the papers to Village Capital the same day that they was here.. I requested from the inspector that I get a copy of the report cause the mortgage company has been losing and delaying. I called the mortgage company after 2 days after they received the report and they said that they still aint received the report from the inspector. I was talking with XXXX a manager in the claims office and he said that if I had a copy of the report that he would overnight the check to me and that he would return my call stating that he had done that ... while he went home without calling me and its almost a week later and I have not received the check yet .... he refuses to take my call and I'm have to talk with others who aint knowing what's going on ... I started the process with this company before XXXX of XX/XX/2021 and its been over 3 weeks and I'm still waiting. the company has lied to me several times and are continuing to be dishonest. I'm wanting my mortgage transferred to a different company cause I don't fill confident with Village Capital is capable of handling my account and I'm worried that they will hold this against me for fussing with them ... They are telling me that I can refinance my house but I just did and I don't want to pay out another 5 thousand dollars to refinance again. I would be extremely grateful for any help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TX

Complaint narrative:
Wrong information, wrong address : FCA Violations XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY MAIL RETURNED XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Paypal Holdings, Inc

Complaint narrative:
I made a complaint earlier this month about an account I have gotten closed that wasn't under my name, and I completely understand why that is. But now, I have opened an account under my name and information, and after I submitted my correct Passport to the PayPal account, it got permanently shut down the next morning. I already contacted PayPal and they said they can't do anything but didn't give any reason why. Account email is XXXX and my name is XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a continuation of the complaint filed with CFPB ID : XXXX on XX/XX/XXXX. 
I would like to know why their local branch Capital One Bank XXXX XXXX XXXXXXXX XXXX, XXXX, Texas XXXX did not respond to the letter 's sent on XX/XX/XXXX and XX/XX/XXXX by our attorney XXXX XXXX XXXX as per attached.. 

I would also like to know if their customer XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX. XXXX TX XXXX and outlet Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Direct Tel : XXXX Taxpayer  Number XXXX is still a customer of Capital One bank in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: GA

Complaint narrative:
I advised US bank that fraud occurred on my account on XX/XX/21. They have yet to provide credit or resolution. I have spoken with them multiple agents. Have been provided incorrect information several times as it relates to the timeframe that credit or resolution would be completed. They charged fees for the transactions which had a negative impact on me. The withholding of funds has also had a detrimental effect on my self and family.

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 2021-04-28 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: TX

Complaint narrative:
There are several things that are not being addressed on my credit file. I have disputed several times and no one is doing anything about it. I need some help The credit agencies are reporting inaccurate information XXXX XXXX XXXX XXXX - This account is passed the statute of limitations and is still on my credit file. 

XXXX XXXXXXXX - I DO NOT OWE this debt, this is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several things that are not being addressed on my credit file. I have disputed several times and no one is doing anything about it. I need some help The credit agencies are reporting inaccurate information XXXX XXXX XXXX XXXX - This account is passed the statute of limitations and is still on my credit file. 

XXXX XXXXXXXX - I DO NOT OWE this debt, this is 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 non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: WA

Complaint narrative:
I received my unemployment on my NetSpend card I have for weeks and weeks it's never been an issue for me to get it don't have a card attached it and have tried several times to have a card sent to me they keep saying it's delivered yet my mother 's address has not received any NetSpend cards so every week I have to call and transfer money to a different NetSpend account I have that has a card attached to it this is never been a problem now all of the sudden because I had a disagreement with somebody in their call center I have to verify my identity I sent them a state issued valid identification card with the address matching my account any entire tax return from 2019 with my full social security number displayed as well as a bank statement with matching address as well still they refuse to give me access to my money I've given who I am they know without a doubt is my money so why does my address have anything to do with giving me my money the government put that money on there for me and somehow they think they can keep it please help me to resolve this issue without having to wait 2 weeks for a check in the mail when my bills were due yesterday thank you also, the card number I provided is actually the account number.

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 2021-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are several things that are not being addressed on my credit file. I have disputed several times and no one is doing anything about it. I need some help The credit agencies are reporting inaccurate information XXXX XXXX XXXX XXXX - This account is passed the statute of limitations and is still on my credit file. 

XXXX  XXXX - I DO NOT OWE this debt, this is 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 2021-04-28 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: NC

Complaint narrative:
I am filing a complaint with XXXX  because I advised them that these inquiries on my credit report were due to fraud and they have not removed them from my report. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. These Inquiries need to be removed immediately due to fraud. 

I am filing a complaint with Transunion because I advised them that these inquiries on my credit report were due to fraud and they have not removed them. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2021-04-28 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had an email alert that a new credit inquiry was made from a SYNCB/SAM 'S XXXX on XX/XX/2021. I do not recognize this action or inquiry. I looked it on and it was some kind of credit inquiry for a Sam 's Club credit card. I already called Sam 's club and there is no existing credit account with them and I also called XXXX XXXX about the credit inquiry and was told to file a complaint to remove the inquiry off my credit report. I also want to know if my identity/SSN have been compromised.

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 non-monetary relief
Consumer complaint received 2021-04-28 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have made several attempts to have my account with Ally Financial, which is 6 years old reflect as closed with both Ally and with the reporting agencies to no avail I was not able to do so and was told by Ally that they can not /will not send any documentation reflecting the status of the account. Then as recent as XX/XX/2020, two years after it was last reported to the credit agencies, it was again as a negative. It would greatly appreciated if you can please review my issue to see if you can help resolve.

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 2021-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I have Nationstar DBA Mr. Cooper as my mortgage company. On XX/XX/2021 while reviewing my bank account I noted 2 reversals of payments from them. I contacted them and was advised that they use a 3rd party vender to take out automatic payments and that the vender had taken out unauthorized payments and that this was a refund for them. I asked if they were going to be taken out again as I was going to use the money for other things. I was advised that they would not be requesting the reversals back. On XX/XX/2021 in the evening, I checked my bank account again and found that they had again taken out 2 unauthorized payments. I again contacted Mr. Cooper and was told that they are working on the problem but the payments were unauthorized and should not have came out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: DISCOVER BANK
State: FL

Complaint narrative:
I have a hard inquiry from a company I dont even have an account for and I dont remember applying for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX this is the 4th time I have request legal and proper documentation from this company concerning this fraudulent unverified account that I never even heard back any type of information to even do a simple investigation.

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 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The account in dispute is a Business Credit Card account through JP Morgan Chase Bank. I left the business and my former business partner agreed to take ownership of the credit card account. The transfer paperwork was signed and submitted to JP Morgan Chase Bank over six months ago. JP Morgan Chase is still harassing me about the credit card and refuses to transfer ownership to my former business partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: GA

Complaint narrative:
I am filing a complaint with Equifax and XXXX  because I have advised them that the following accounts are not my accounts and they need to be deleted from my credit report and they are still showing listed. These accounts need to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: ERC
State: TX

Complaint narrative:
I began services with XXXX in XXXX until current day. I noticed recently they reported a collections account on my credit. I have never received any type of notice or anything. It was done in error being that I am still with them. When I did notice I contacted them on XX/XX/XXXX. It took a while for them to locate an account when in fact i am still showing good status with them. I paid the amount they stated I owed from a previous address upon me transferring from one home to another. Normally my balance is transferred in my bill but for some reason it wasn't for this particular balance and I am sure they must have been sending the correspondence to my old address. I contacted them again on XX/XX/XXXX to ask them to correct this on my report as a deletion because this was done in error on their behalf and not mine. I was unaware. I pay my bill faithfully every month and not once did I get a bill for the XXXX. They created a ticket for this. They also stated they are unsure on how to correct this with the credit bureau which that confused me because they reported it. They had me contact the collections agency on three way and both people said they are unsure on how to delete it as opposed to marking it paid. I am requesting they delete this being that this was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XXXX phone someone stole my information this XXXX XXXX keep XXXX up my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX XXXXXXXX i never did at all. Please clear everything from my record because im becoming a XXXX XXXXXXXX my record needs to be clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX phone someone stole my information this XXXX XXXX keep XXXX up my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX XXXX i never did at all. Please clear everything from my record because im becoming a XXXX XXXX my record needs to be clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: NM

Complaint narrative:
On XX/XX/XXXX, my two factor authentication stopped functioning. 
The code on my phone authenticator would not sync with the website XXXX. 
I attempted to reaccess my account, could not, so I contacted Coinbase to notify them of this, and to request assistance. 
They notified me through Case # XXXX to : XXXX ) Go to the Coinbase login page on a desktop or mobile web browser XXXX ) Enter your email address and password ( this will prompt the self-recovery process ) XXXX ) Complete 2-factor authentication I notified them that I no longer have access to my authenticator app. 
Every area of the site that a customer is sent in terms of no access to 2 factor authentication, in order to resolve the issue, it asked you for your 2 Factor Authentication code. It's a loop that has no solutions. 
I contacted them again and requested for 2 Factor Authentication disabled from my account so I can verify my identity. 
No response. 
I went online, began researching, was led to XXXX where Coinbase has customer service - they have not responded to posts or chats. 
Since XX/XX/XXXX I have transferred {$6200.00} to Coinbase that I now have no access to and they have no provided me a path to access my account. Based on their reputation, and that they have no responded to my inquiries through their XXXX, I am filing this complaint. 
I have also filed with the state of New Mexico AG.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Original " delinquency date '' for XXXX XXXX is XX/XX/XXXX. Three months later on XX/XX/XXXX this car was repossessed. As of XX/XX/XXXX, this account is 7 years old and should not be on my file any more. All Equifax does is add remarks to my file and the account remains on file. All the other credit agencies already took XXXX off but Equifax refuses. This is my second complaint about Equifax XXXX for different issues ) within the last four months. They should have no business storing people 's history if they can not operate within the law. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: TX

Complaint narrative:
I am a victim of identity theft and I have been trying to remedy the impact of this on my credit file. I have been submitting documentation in reference to fraudulent account san they are still reporting within my credit file. The accounts stay in " investigation '' for months at a time with no resolution. At this very moment I am unable to dispute or upload supporting documentation as they are currently under dispute. These accounts are fraudulent. The fraudulent accounts are XXXX XXXX in the amount of {$420.00}, XXXX XXXX in the amount of {$370.00}, XXXX XXXX XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Carvana Group, LLC
State: FL

Complaint narrative:
I have a hard inquiry from a company I dont even have an account for and I dont remember applying for.

Company response to consumer: Closed with explanation