vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
DEAR BANK OF AMERICA ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi My name is XXXX XXXX XXXX.and I have got some issue here related coinbase funds withdraw. 
I have started total 2 withdraws on XX/XX/XXXX, which is amount {$3100.00} reference number : XXXX, and amount {$5400.00} reference number : XXXX to my XXXX XXXX XXXX account.i can see the money did hit my account, and have been posted.BUT the exactly same amount of money been DEDUCTED from my account by coinbase at same time.which means I didnt receive the money I mean to withdraw either in my bank account nor coinbase wallet.i have try to contact coinbase for this matter in past 15 days and havent got satisfied answer, the problems remain unresolved! i DEMAND coinbase to take it serious as this is quite big money for me! please understand my problem here and give me the solutions!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: MA

Complaint narrative:
DEAR XXXX  XXXX XXXX ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
DEAR XXXX  XXXX XXXX ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: MA

Complaint narrative:
DEAR XXXX XXXX XXXX ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have several issues on my credit report that need attention dealing with my current address and my actual name. 
XXXX XXXX  XXXX is my only name please remove any other spelling. 
My DOB is XXXX My SS is XXXX I have not XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have several issues on my credit report that need attention dealing with my current address and my actual name. 
XXXX XXXX  XXXX is my only name please remove any other spelling. 
My DOB is XXXX My SS is XXXX I have not XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2020-09-15 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: Stern Recovery Services, Inc.
State: SC

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Stern Recovery Services INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Because of the wildfires in XXXX county OR, power to my home was cut/went out & this caused the septic system to stop working so sewage was spilling into my front yard. On XX/XX/20 I reviewed my online account with American Express to confirm I had roughly {$3800.00} in spending power. The septic company finished working on my system, and when I attempted to pay the {$690.00} bill, the card declined. When I called the company to find out what was going on I was informed that my account was " under review '' and I wouldn't be able to pay the contractor unless I paid them {$240.00} dollars. My payment was NOT past due and again, the online system stated I had over {$3800.00} in available credit. The individual I spoke with provided XXXX solutions in a time of crisis, told me that was just the way it was, and that I had to shell out what little cash I had left to make sure the septic contractor was paid. The complete lack of communication about the reduction in limit, and nonexistent help from the individual on the phone are completely unacceptable ; as is penalizing people who are in crisis and rely on the accuracy of the information provided online by their financial institutions. I was also not allowed to speak with anyone else who could resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
Somebody took out a car loan in my name and I keep getting letters in mail. Not sure on exact date. It was through GM Financial them nor XXXX  will help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
My mortgage company is reporting a past due mortgage to the credit bureau when my mortgage is not past due. They are also trying to make me pay a balance that was not included in my mortgage refinance. About a year after I refinanced my mortgage through a modification, Carrington Mortgage Services then started adding a balance of {$6000.00} plus to my mortgage which already included in the modified amount of the mortgage. Nowhere in my modification documents does this amount exist otherwise but someone in the bankruptcy department decided to add the additional to my bankruptcy even after it was applied to the balance in my modification. They have now reported this as a past due payment to the credit bureau when in fact my mortgage is current and has been for some time They are now showing my mortgage as 7 months past due as of this complaint filing for {$20.00} per month payments. I have asked them to correct this and they have refused. My bankruptcy will discharge this month and they were originally included until the modification, at which time they gave notice of no claim. They simply refuse to correct this and now puts me in a situation whereas I am unable to refinance my mortgage with anyone.

Also they have this fee on my account that I don't know why its there for {$90.00}. I had originally thought I'd need Covid relief, but did not, and have been making my payments. They are just daily distorting my account because I believe they want to try to illegally foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I've looked at my credit report closely and noticed that XX/XX/XXXX I first disputed Convergent for the amount of {$800.00} because I was aware I owed no one and never heard of this company. I didn't follow-up because I just knew it wasn't mine!. After Covid crisis XXXX   offered free credit reports in XXXX. Once again, I saw this same name and amount XX/XX/XXXX I filed a dispute. Again, XX/XX/XXXX with information attached to show no equipment charges were on my account along with the return XXXX label for the device in question I shipped back to XXXX. This was to no avail. I did the same disputed information with XXXX   again XX/XX/XXXX to no avail. I received a letter from Convergent XX/XX/XXXX asking to mail or email proof if I had it. ( Mind you, this had already been done ) That same day I sent the email and waited for response. XX/XX/XXXX I received the exact same letter from Convergent as  on XX/XX/XXXX. No problem, I sent the email again with a follow-up call asking if there was someone I could speak with to verify emails were received. No one knew who I was or what I was talking about. XX/XX/XXXX Same routine at Convergent, first asking me to pay the debt I don't owe, then not knowing who I am, or what documents/emails I'm talking about. After a bit, oh we'll expedite info to XXXXXXXX  for removal from your credit file and send you follow-up email. XX/XX/XXXX call back and no one has previous information. She said she has to send me a packet to fill out, but never did. XX/XX/XXXX Called XXXX, rep said she take a look at XXXX trk # send it to escalation it should take XXXX days, she'll send an email. That email said they couldn't find equipment ( IMEI ), they were looking for a device number not the XXXX tracking  number I provided. I called back XX/XX/XXXX because I didn't hear about the XXXX #. They told me then, it was too old. I was told because the account no longer belonged to XXXX, there was nothing more they could do. She did verify that this was about the return of the wi-fi device and that at that time it was {$100.00}. I told her I have provided my proof of returning the device, I'm not responsible what happens after it leaves my home. She was supposed to verify with XXXX the tracking number but never got back with 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 2020-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
When I call to make a payment toward my auto loan account, the CSR tells me, " I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' After being transferred to the bankruptcy dept., the CSR there says, " I see you had filed bankruptcy in 2018, but that's been discharged. I have to transfer you back to the payment processing center. '' After being transferred to the payment processing center, the CSR there says, " '' I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' I responded, " That's not correct, I was just transferred FROM the bankruptcy dept. '' The CSR 's tone got very hostile when she said, " Well, MY record indicates this account is in bankruptcy, so there's nothing we can do in this department. '' Regions Bank is  clearly creating this confusion with their CSRs to cause borrowers to miss car payments because the bank wants to create a default and repossess the vehicles for resale. Regions ' policy is to make it functionally impossible for anyone who has ever had a bankruptcy to make their car payment by phone.

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 2020-09-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I missed the payment for XX/XX/2020 as was unable to contact the bank ( J.P Morgan - Chase ) over the phone as I was on Furlough effective XXXX XX/XX/2020. However I paid the pending payment in XX/XX/2020 and currently current on my account. 

I spoke to the bank in XXXX and they waived off the late fee, However the bank report the the late payment for XX/XX/2020 on XX/XX/XXXX which bought my credit by more than 100 points. 

I spoke to the Chase Morgan and they raised the order but after 4 days waiting period the bank refused the repair the credit score as they stated they did fair reporting and got nothing to do with Covid problem and got nothing to do with what the US government assurance and legislation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: NH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding innacurate and unverifiable things on my credit report. Til this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes Section 611 ( a ). It is stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from  my credit report. XXXX XXXX has removed the bankruptcy already, and that is who you said you verified with. I demand these items be removed or I will have to take further action and file for litigation.

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 2020-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In accordance with Georgia Law, specifically Code Section 10-1-36 of the Official Code of Georgia, Please provide the following documentation : -Proof of repossession -A copy of the notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer - Letter of sale at auction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Ms. XXXX suggested that Wells Fargo was unable to establish contact with me. This is a lie since Wells Fargo has not attempted to contact me. The last time I spoke to them, I was told that XXXX XXXX was handling my case. They have my telephone number as I have been their customer for at least two years if not more. Mr. XXXX did not contact me to tell me someone else was handling my case and no else did either. 

I believe Ms. XXXX is basing her inaccurate information off of XXXX XXXX lie which suggested that I did not want to receive any phone calls ( See Ms . XXXX  first response REQUEST FOR NO MORE PHONE CALLS on page 4 ). What I told Wells Fargo was I wanted a response to the VA form issue in writing ( via email ) instead of a phone call since I did not trust that they would call me back. I also wanted the response in writing in case they decided to change their answer and I suffer the consequences from the VA. Even before this is issue, I was lied to and told someone would call me back. Many of those phone  calls never came. Days before I spoke to XXXX XXXX, I had a long conversation with a Wells Fargo representative and she told me someone would call me back. That call never came and when I called, I was eventually put in contact with XXXX. 

In addition, Ms. XXXX just attached the responses that Ms. XXXX sent without doing any work. I provided an email that contradicted Ms XXXX Horns statement that no evidence that the loan would be completed and boarded by XX/XX/2020. I did not specifically address that date but XXXX XXXX did in the email he sent me. Ms. XXXX did not even address email in her non-response/resolution. 

During a call with a Wells Fargo representative on XXXX XXXX, I was told that during a refinance interest is accrued daily if the payoff is not made by XXXX XXXX CT to Wells Fargo billing. The question that Ms. XXXX and Ms. XXXX have refused to answer is why there was a delay from the refinance office to the billing office which then lead to insufficient funds being available to close out the original loan I am resubmitting my complaint and will continue to resubmit my complaint until Wells Fargo addresses my concerns rather than cherry-pick and provide false narratives to my concerns. Outside of the email from XXXX XXXX, nothing has changed in my complaint.

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 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2017. I deposited a check i forgot to sign it. They froze my account and wouldn't give me my money back. The check was for over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
On XX/XX/2018 CCS Credit Collection added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA CCS Credit Collection has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
On XXXX I received notification that a collection was added to my credit. I have made multiple calls and sent emails with no response. They never tried to contact me or mail a letter proving the debt was mine. I have no knowledge of this debt. I sent an email asking for them to prove my ownership of the debt with no response. I could not get anyone On the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation