vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 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: IL

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX am an authorized user to my mother 's credit card account with this credit card company, and/or national association bank . I desire to be removed as an authorized user as I have established my own credit tradelines. I appreciate being an authorized user as it helped me establish credit. However, I have my own credit now and I desire to have only credit tradelines that I obtained on my own. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: MA

Complaint narrative:
On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on time.

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 2021-09-10 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: MS

Complaint narrative:
I recently disputed an inaccurate report to Experian. After 30 days, I did not hear from the company. Therefore, I filed a CFPB complaint a few days ago. In an attempt to immediately respond, Experian did not fix the account. Instead, they published incomplete results and started a new dispute. What they did was illegal and unethical.

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 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a dispute with my bank chase JP Morgan. I am a victim of theft and discrimination and I want justice. The bank did not verify nor obtain any proof for editing services rendered in which the wrongfully reversed my claim awarding a fraudulent company my money failed to do a proper investigation. In which when I filed I was told I did not need to send any documents unless they ask when the merchant requested the money with falsified documentation my bank did not reach out to me a gave my money back to the merchant whom has blocked me with there lies and the bank was giving documents stiLL showing in my favor. This is robbery discrimination as the bank has hung up the phone on me lied and closed my account as I continuously and actively am still fighting for justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called chase bank multiple times, tried to access it online, and went into the bank on XX/XX/XXXX to request all of my bank statements for XXXX of my accounts from when my account open back in XX/XX/XXXX. I was told they can only go back 7 years. That is very unfair and misleading to me as a consumer to be told I can not access my statements from the day my account opened because they refuse to provide them to me. I dont understand why they are refusing to provide me statements I have a right to request and access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TX

Complaint narrative:
Checked my credit report and noticed unauthorized inquiries. Tried to get the issue resolved to no avail. Was told that the inquiries would be deleted but they still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Mercedes Benz Financial Services
State: NV

Complaint narrative:
I am a victim of identity theft. I have requested a block & investigation in the following fraudulent information from my credit report. I have no idea how he theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 

I am writing this due to non-compliance of the companies below and the non-compliance with the CRA XXXX and XXXX. 

They have failed to remove information that was affiliated with personal details and accounts that was due to identity theft and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
Please remove this information for failing to validate the information, defamation of my name and for improper buying and selling of consumer personal information. 

XXXX XXXX Account # : XXXX XXXX/XXXX  Account # : XXXX MB FIN SVCS Account # : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Please let me know if you need any other information from me to block this information from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TX

Complaint narrative:
I have many times sent over a written request to both Transunion in regards to removing inquires that are fraudulent on my account. I have also contactedTransunion via phone and no representative has assisted me with my problem. Ive kindly advised numerous times and havent gotten any response in regards to the fraudulent information being removed off my credit report. Or so much as a status update. Ive done everything that was asked of me and Ive still gotten no updates and Ive been continuously contacting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo refused to allow me to withdraw from my account and did not follow Wells Fargo protocols and showed discrimination. I have been a customer when Wachovia changed to Wells Fargo bank. I was disrespected by the XXXX XXXX and her branch manager located at XXXX new XXXX XXXX XXXX has XXXX. 
Upon going to withdraw I presented my ID for XXXX withdrawal from my account. The teller called over XXXX who was very rude. He was on the second security question to access my account and she rudely interrupted the teller never completed the XXXX security questions which failed protocol. Me XXXX then asked if there was a RECENT name change and the answer was no because the name on the Drivers license was the same name that was on all of the statements that come monthly for all accounts and is also the same name that was transferred over from Wachovia to Wells Fargo so there was no recent name changed as they have been wells Fargo for many many years. The banks management continued to refuse the withdrawal. The bank also failed to ask for another piece of identification such as another credit card from another merchant. They only asked for a Wells Fargo card which was not available if they looked they would see that the debit card is never used. I also pulled up online so they could see that it was me. I then asked if they could send a text verification to my phone they denied this as well. Leaving disappointed and discriminated against, drove home got the wellsfargo credit card matching the drivers license and the the name that was on all wellsfargo accounts and bank statements and was still refused a withdrawal from my own account then spoke to the branch manager which tried to change the words that were spoke by me XXXX and that really upset me. Im not illiterate and know exactly what he was doing. I presented both the drivers license and wellsfargo credit card to the branch manager he also refused to allow my withdrawal after the two trips to that same bank he too also denied sending a text to my phone to verify my identity and was extremely rude in and trying to change my statements I am not illiterate and do not appreciate the mistreatment they acted as though I was stealing my own money even though I verified myself in several ways. This occurred on XXXX. Please investigate this discrimination of this bank. 
Also, there is plenty in the accounts there was no reason to withhold my money from 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 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
My mortgage servicer is Fay Servicing. I was recently made aware that my mortgage payment was behind 1 month. I did not know how or why the mortgage was 1 month behind because I have been signed up for electronic biweekly payments since Fay took over my mortgage from XXXX a few years. In the beginning of XX/XX/XXXX I received a letter from Fay stating that my electronic biweekly payments were being canceled. The notice did not state a specific reason as to why they were canceling the payments. I called the mortgage company and could not be provided with a reason for the cancellation and was told that it would be investigated. To date I have not received a letter or any other communication with the reason for cancellation. Also, because of the mysterious missed mortgage payment, I submitted an application for loss mitigation. On XX/XX/XXXX I received a letter stating that my application was received and in that letter it stated that they could not send the first notice of foreclosure since they received the loss mitigation application. On XX/XX/XXXX I received an ACT 91 notice and a letter from the mortgage company about the missed payments yet their letter of XX/XX/XXXX clearly states that they could not send the first notice for foreclosure. Also one of the main reasons why I signed up for electronic payments is because I do not own or write personal checks. Because the electronic payments were canceled by Fay, the payments are 2 months behind. Also my preferred method of communication that was selected in my profile on Fays website is email yet I never receive any email communications except for statements. This company is by far the worst company Ive ever had to deal with. I would suggest to anyone looking for a home loan to avoid Fay Servicing at all costs. The experience has been nothing short of a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I worked really hard to repair my consumer reports, It took me about a year to correct most of the errors on my reports and I got it to a good point before it got destroyed again due to identity theft and unauthorized use by the consumer reporting agencies. I have submitted numerous documentation showing that alot of errors on my report were a result of others using my information although that is the case I never game consumer reporting agencies permission to furnish this information on me regaurdless of how fraudulent or factual the information is, it is a direct violation of my privacy and im tired of it.

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 2021-09-10 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: TN

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Checked my credit report and noticed unauthorized inquiries. Tried to get the issue resolved to no avail. Was told that the inquiries would be deleted but they still show 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 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
Yesterday my dad wire transferred {$30000.00} to my Coinbase account. It has been a full day and still haven't seen the money in my account. His bank says the wire went thru but it is still not in my account. I have al the documents to show proof. I have tried calling and submitting a formal complaint and have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Halstead financial keep making repeated phone calls, sometimes multiple times within a few minutes. They do not leave message and used cloned local phone numbers to seem as if calls originate locally,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I have a Bluebird American Express re-loadable debit card that I purchased from XXXX a few years ago. I had added my personal banking info on their platform so I could transfer funds from my bank to the Bluebird card. I primarily did this if one of my kids needed a debit card to make an online purchase, so they wouldn't have my actual bank card. Only what I deposited as there is no overdraft with Bluebird.

I went to check my primary bank account today and noticed unauthorized transactions from Bluebird. I made sure it wasn't lost or stolen. It's in my wallet right now. I haven't used it in a long time. I attempted to contact their customer service. The robot on the phone told me that my account was permanently suspended and to check my email. I checked my email and it said I violated rule 22 ( d ). Keep in mind, I have not touched this card in months. I have no clue what these unauthorized transactions are. Here is a list of the unauthorized transactions in order : 1. PURCHASE BLUEBIRD.COM XXXX GA CARD ( **** - you have asked to keep this private so I will just place stars here. These are the last 4 numbers of my primary debit card with my primary bank ) XX/XX/21 {$5.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load XXXX. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$50.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load 3. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$2.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by XXXX XXXX XXXX Non-Financial Institutions-Stored value Card Purchase/load 4. PURCHASE BLUEBIRD.COM XXXX GA CARD **** XX/XX/21 {$5.00} Merchant Name BLUEBIRD.COM Merchant Address XXXX GA XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Non-Financial Institutions-Stored value Card Purchase/load This is a total of {$62.00} out of my primary bank from Bluebird that I did not authorize. Now my Bluebird account is permanently suspended and I didn't make these charges! I can't even speak with a person to find out what is going on. I just want to make sure that this is not going to continue to affect my primary bank account and that my identity has not been stolen or something. So I want is to figure out what is going on. I will be calling my primary bank as well to make sure they are not able to ACH anymore money out of my primary account. 

If there is anything you can do it would be so greatly appreciated! Thank you for what you do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: DC

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THER IS NO THIRD PARTY. MY PURPOSE OF THE COMPLAINT ISN'T TO GET THE ACCOUNTS VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THESE ALLEDGED ACCOUNTS WILL BE PERMANENTLY REMOVED FROM ALL CONSUMER REPORTS. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692a ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation