vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 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: NY

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I told the collection agency that this debt isn't mine and requested they validate/verify the debt with a signed contract binding me to the debt. That have not verified the debt. They told me over the phone that they didn't have a signed contract legally binding me to the debt. It was a woman that I spoke with. She reiterated to me over the phone twice that they didn't have such evidence. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means the XXXX Credit Bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove this account completely from my credit report : SYNCB/XXXX XXXX Opened XX/XX/XXXX ; SYNCB/XXXX XXXX Opened 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 non-monetary relief
Consumer complaint received 2021-11-09 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased a car seat in preparation for my son being born from XXXX. The purchase was completed through Affirm. On the day that my son was born, when trying to take him home the hospital told us that we couldnt use it because it was made with XXXX left straps ( defective ) and we had to wait to take my son home from the hospital. I called XXXX and started a return. XXXX came and picked up the car seat on XX/XX/XXXX. I still paid affirm but I alerted them that the return had been processed and that they owed me money back. They insisted that I paid, which I did, and that they would issue a refund once XXXX completed the return. Affirm then refunded me money less than a week later. 
How can I be late when they sent me my money back. I am trying to purchase a house for my family and I have to get these inconsistencies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian failed to investigate my disputes properly just updated failed to have there customer / creditor provide them proof after documentation was sent showing debt was owed Failed to work in my favor to correct the problem Lowered my credit scores to hurt me because I disputed the information

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 2021-11-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian 's XX/XX/XXXX response to XXXX falsely stated : " ... They ( XXXX XXXX  XXXX Card Services ) responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on 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 2021-11-09 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
XXXX failed to investigate my disputes properly just updated failed to have there customer / creditor provide them proof after documentation was sent showing debt was owed Failed to work in my favor to correct the problem Lowered my credit scores to hurt me because I disputed the information

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 2021-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday XX/XX/2021 XXXX XXXX of Bank of America put a hold on my credit card ending XXXX without any notice and with no clear reason. 
Since then, to unblock my card, I had to make repeated phone calls to the XXXX XXXX with waiting time 40+ minutes, let alone, by their request, was forced to visit their branch having massive waiting lines too and all of this in vain because, to date, my credit card is still not working.

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 2021-11-09 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: UPGRADE, INC.
State: TX

Complaint narrative:
Wrongful Behavior by Upgrade : - Paid per ALL hardship agreements as shown in the XXXX XXXX document of automatic drafts taken from my account along with the posted payments on the Upgrade website previously sent. They have stated that they have reached out to me by phone and email and I have NO record of any calls from Upgrade and they have conveniently not recorded any of my calls to them. 
o Dates of calls to Upgrade as follows : XX/XX/XXXX at XX/XX/XXXX at XXXX phone call to discuss my payments moving forward. Was told that there is an error on my account will need to escalate to upper management and will give me a call back. Never received a call. 
XX/XX/XXXX - On my credit report from XXXX, XXXX and XXXX dated XX/XX/2021, my credit history was NOT late other than 60 days back in XX/XX/2021 which was the start of my hardship program with Upgrade. 
- Then on my credit report from XXXX, XXXX and XXXX dated XX/XX/2021, my credit history has a charge-off in XXXX after completing ALL payments as agreed upon. 

Upgrade is claiming that I was behind for multiple months, if that is the case why is it not showing that and where did the money that was drafted from my account go?

Upgrade has consistently report incorrect information to all three credit agencies after all payments were made according to the hardship program. It also states in the hardship agreement that " Your reduced monthly payment will result in the accrual of additional amounts. the total of the principal reductions will be added to your final loan payment made at maturity ''. This document is attached for review. so how are the payments behind?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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:
Wrongful Behavior by Upgrade : - Paid per ALL hardship agreements as shown in the XXXX XXXX document of automatic drafts taken from my account along with the posted payments on the Upgrade website previously sent. They have stated that they have reached out to me by phone and email and I have NO record of any calls from XXXX and they have conveniently not recorded any of my calls to them. 
o Dates of calls to XXXX as follows : XX/XX/XXXX at XX/XX/XXXX at XXXX phone call to discuss my payments moving forward. Was told that there is an error on my account will need to escalate to upper management and will give me a call back. Never received a call. 
XX/XX/XXXX - On my credit report from Experian, XXXX and XXXX dated XX/XX/2021, my credit history was NOT late other than 60 days back in XX/XX/2021 which was the start of my hardship program with Upgrade. 
- Then on my credit report from Experian, XXXX and XXXX dated XX/XX/2021, my credit history has a charge-off in XXXX after completing ALL payments as agreed upon. 

XXXX is claiming that I was behind for multiple months, if that is the case why is it not showing that and where did the money that was drafted from my account go? 
XXXX has consistently report incorrect information to all three credit agencies after all payments were made according to the hardship program. It also states in the hardship agreement that " Your reduced monthly payment will result in the accrual of additional amounts. the total of the principal reductions will be added to your final loan payment made at maturity ''. This document is attached for review. so how are the payments behind?

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 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Every since BBT merged with Suntrust I have been having problems with my account. I have a business and personal checking account. I have received excessive fees for no reason. I had a dispute from a merchant received a letter stating it was in my favor then the Bank reversed it overdrawing my account {$300.00} and didnt send me a letter until 2 weeks later but no explanation. I tried to get in touch with the appropriate department to see what was going on but no help. Then I started getting random fees on my business account which I hadnt used in a while. Then my personal checking just keep occurring fees also with no explanation. I was told my account could be closed but then the following week I was told my account couldnt because of the negative balance even though the cause is not to me. Usually I would get an email stating what it was that caused the overdraft but I never got anything. Then after I told the representative I would be filing a complaint I now have excessive fees applied to my account. I havent even used my 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 monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This is a follow up to my first complaint which was never resolved but the case was closed. I applied to Barclays for a credit card and gave all the personal information plus the follow up documents that were requested. I never heard back. I tried for weeks to contact them but never was able to speak to a representative. When I finally did, I was told the request was denied but I had never been notified. I was told a letter would be received, which, to date, has never come. I asked to speak to another person and was refused. I submitted a complaint to your office and an inquiry was initiated, I heard from a Barclay 's XXXXXXXX ( " XXXX '' -no last name ) who stated I would need to resubmit the documentation and I declined, having submitted personal information twice already. I was asked if I wanted to withdraw the application and I agreed to avoid more " lost documents '' - ( as " XXXX '' stated ). I received a phone message to which I responded XXXX  times but never heard back. 
To date I have NEVER received " the letter '' explaining why I was rejected. I checked my credit score and it was not the problem. Now that I " withdrew '' my application '' all has been disregarded, including in your office but it does not in any way solve the problem of the collection of extensive personal information and no notification whatsoever about the rejection. No, this case is definitely not solved! I will continue to pursue this as this financial institution has my personal information and I have received nothing about the reason for the declination. Withdrawing my application does not correct their transgressions and closing the case does not eliminate the situation. I was definitely NOT going to RESUBMIT more financial information when I had already done so on the phone and by email and received NO RESPONSE in return. Why did their office never return my XXXX return phone calls? They left a message and never called me back after " XXXX '' offered to withdraw the application, which I have since found out will adversely affect my credit rating. This is abuse of XXXX XXXX of the highest order and I have received no answers from you, them or the 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 2021-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I paid my lowes bill off in full to XXXX balance, 3 days later they ran my autopay balance and took it out a second time even though my balance had already been completely paid off I called and said you need to reverse the double payment you took out, my account balance was XXXX and you shouldnt have took anything at all out for a scheduled autopay on a account that had a XXXX balance They said we can mail you a check I said no you need to reverse the transaction you were not authorized to pay non existing balances just if I had a balance They refused, I told them I was pressing fraud charges through my bank and writing a report about how they took a double payment out on a account with XXXX balance and almost bounced my checking account doing it Im furious and would like paperwork on how to sue them for emotional distress

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 2021-11-09 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: FL

Complaint narrative:
There is an inquiry for XXXX XXXX XXXX on my equifax report that was made on XX/XX/XXXX ; I have phoned equifax in XX/XX/XXXX and a few others was removed but not that particular inquiry I expressed my concern about ; I have sent 3 rounds of letters since then all 45 days apart with my ID, social, police report and identity theft report and still no luck removing that single inquiry ; I wrote XXXX requesting information on the application with no response ; I asked Equifax to send proof of the inquiry only received letter refused to remove that inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I was advised by the business that they would remove the tradeline from my credit report after two years from the date first became delinquent, if the account was paid in full. The account has been paid and it has been two years since delinquency. I contacted the business and placed a dispute through XXXX, yet the tradeline still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was filling out an application for a mortgage loan on XXXX XXXX XXXX and XXXX section asked to review my previous credit inquiries and give the reason for the inquiry. According to this section, someone had pulled my credit on XXXX XXXX XXXX. I hadnt authorized any form of credit inquiry since XX/XX/2021. I immediately went to my Chase bank app and sure enough the inquiry was there but I didnt recognize the name : XXXX XXXX XXXX  XXXX. My best guess is that it was our previous loan officer, XXXX XXXX that our realtor recommended but he had stopped answering us about two months prior, and then we only heard from him sporadically until we just decided to find a new loan company. We never worked with this man through a company, just himself by name. There was XXXX point where he apparently had changed companies when we were still using him. Regardless, he never asked for our consent to pull our credit and had I not found this new loan officer, I never would have been notified of the inquiry. I called Chase costumer service on XXXX XXXX and they gave me a different number to call that said it didnt exist. So I came to report it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/21 an email account of mine was hacked and used to access my investment account at Coinbase and create a new bank account with XXXX XXXX XXXX. The hacker liquidated cryptocurrency assets held in my Coinbase account, transferred cash to the XXXX XXXX XXXX bank account, and used my linked brokerage checking with XXXX to purchase more cryptocurrency, sell, and transfer a portion of the liquidation proceeds to the XXXX XXXX XXXX account. I informed Coinbase and XXXX of the unauthorized transactions within hours of them occurring, but they were no action was taken by either company. My Coinbase account utilized 2 Factor Authentication for security and Coinbase does not allow immediate withdrawals of cash contributions, but both Coinbases authentication protocols and transfer procedures were bypassed. I have written to Coinbase via their web portal for remediation, but they have not acknowledged any fraudulent activity and have not indicated they are working to recover my assets in their responses. I have contacted XXXX XXXX XXXX for remediation but they have not returned correspondence or provided me information on where cash was transferred, only stating that they closed the unauthorized accounts which received cash stolen. XXXX XXXX XXXX XXXX 's banking functions are conducted through XXXX XXXX Bank. XXXX 's banking functions are conducted through XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
As it is VERY clear to see, ALL of my accounts are in good standing, paid off/never late, paid in full etc etc and then theres this vehicle that has been on here that I havent known what to do with. Every time I call Toyota Motor Credit, they are rude, unhelpful, and ask for the social security of the accountholder. Since it isnt me, they treat it like XXXX XXXX. So how am I supposed to even know whats going on when they wont comply? I own, operate and pay for ONE vehicle. I have NEVER lived at the address associated with the creditors account -- which states on my credit it was reported by them -- and I am sick of seeing this information on my credit. I dont care how it gets removed it just needs to or they need to be more open about their communication with me. Ive called multiple times with no resolution because theyve simply made it not their problem but what IS a problem is having this under my name and on my credit. And because I dont have the right social security number, there is no information I have been given, which has led me to dispute. Do you all need bank statements, my XXXX file,.?? What is it? I cant even protect myself because Im given no option?! This is literally outrageous and Im very close to suing them. If its mine and certified then why can I make no changes, be removed, get access to the account when I call to start, any of those things?? Is this car parked outside my house? Do I have even a copy of a key? Have I ever driven this vehicle or made any payments on it?? When it makes sense I cant say anything, but this is making ZERO. The answer to every question here is no and Im not standing for that.

I dont pay late, in fact I pay early. I dont have ANY other accounts that are suffering, so how is this adding up?

Company response to consumer: Closed with explanation