vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Helm Associates
State: PA

Complaint narrative:
I have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX  Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello She was induced to purchase ETH on coinbase and then transfer the coins to a wallet. She met this person who induced her on XXXX. This person told her to download the XXXX application and transfer her coins to that wallet. She made several transfers in XX/XX/XXXX totaling XXXX USD at the time of transfer. In XXXX ETH had an increase of value of approximately XXXX XXXX. She downloaded the application on her phone. However, when she tried to withdraw her coins, she was not permitted. The wallet application has now blocked her from accessing her account. 
How it started Date fraud began : XX/XX/XXXX Payment Used : Cryptocurrency ( ex. Bitcoin ) Amount I was asked for : Amount I Paid : {$180000.00} How I was contacted : Social Media ( ex. XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
According to all the information online, I qualify for my XXXX loan to be discharged or forgiven. However my loan servicer great lakes has denied me twice for loan forgiveness. Stating that I dont qualify even though I attended during the years that the Biden administration has expanded. Most recently I submitted a loan forgiveness two months ago and I have not heard back from them once on an approval or denial. And its nowhere on my forms that its been processed. I dont know what to do and they keep adding thousands in interest despite loans being frozen for Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, as I was moving into my XXXX XXXX and generally overwhelmed, I received a text asking to respond yes/no if I'd used my debit card. I responded no, and then my phone rang with a very professional welcome from 'Bank of America XXXX, and offer to rectify the issue. Unfortunately, distracted by all that was happening in my first hours in a XXXX XXXX at a XXXX XXXX, I followed the instructions of the alleged bank representative and used XXXX to wire $ 's 'to myself ' to resolve the issue. I met my parents within the hour and we efforted to undo what I had done - within an hour of my mistake, we were on the phone for almost an hour alerting the Bank of America fraud hotline of all the pertinent details, sharing texts and verifications of the transfer 'to myself ' along with the XXXX account where the $ 's were actually transferred. Bank of America was apologetic and said they would open an investigation, promising to send me an affidavit to chronicle the events. That affidavit was never sent, and I am now being told that an investigation will ensue that may take as long as 90 days with no promises of recovery of funds. I am devastated, as my entire savings from working this Summer appears to be gone. I am confused, as XXXX is a peer to peer bank controlled ( BoA, XXXX and XXXX XXXX ) and they were notified immediately of the suspicious activity. I am frustrated that the bank didn't act when I immediately brought this to their attention, and feel totally ignored by Bank of America. Please advise if there is anything that I can do, or whether you want any of the text trail from XX/XX/21 with the criminal. Devastated, XXXX 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 2021-08-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TN

Complaint narrative:
Transunion is reporting the following fraudulent information on my credit report. 

1. XXXX XXXX {$500.00}. 

This is not my account and is fraud.

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 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: KS

Complaint narrative:
I was contacted by a loan originator from Amerisave Mortgage Corp on XX/XX/2021. They offered to give me a loan estimate to refinance my home and to beat any other loan estimates. They used high pressure sales tactics to obtain a credit card to secure the loan and begin the loan process. Meanwhile, the originator knew I had been dealing with another company and had locked a loan in with them already. They used bait and switch tactics after signing and floated the home rate instead of locking in. The next day the loan estimate rate was higher and the closing costs fees were higher as well and I was unable to access the original estimate. They also did not inform me that the credit card fee was non-refundable and I was told that is was for the home appraisal fee and that I would still be allowed to shop interest rates with other companies. All of this felt very uneasy to me. I contacted them the next day on XX/XX/2021 asking for a return of my fee and would like to close any further proceedings and asked that my card be credited via chat and email, but all of my requests were ignored and I was not allowed to speak to a supervisor and he insisted on escalating my file. This is predatory lending and this company needs to be accountable for preying on consumers. I would like my {$500.00} refunded to my card.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have sent letters to dispute items on my consumer report to XXXX XXXX, AND XXXX, the investigation took well over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
in XX/XX/XXXX citi bank closed my account without giving me any notice. and it's been 4 month i stilll didn't get any notice from citi bank and my money back. I called their customer service right after i found out my account is closed.they told me they closed my account and it refund me my money ( {$21000.00} ) in check. But i didn't receive anything yet. everytime i called they told me to wait 14 days. I am keep waiting they never send anything. If i call customer service they tell me to go bank so they can issue me a check. when i go to bank they told me they can't issue a check i have to call customer service. They are harassing me a lot. I'm so broken in mentally. And i'm in XXXX because of their harassment. everytime i call them they harass me telling me they don't find me in system. and hang up on me. When i called back and report this they told me they don't know why old agent told me they can't find me. I'm so disturbed. One time they told me they don't see my money. Later i called them again they told me they see it and they will refund me. But it's been 4 month they didn't refund me. Now they are telling me they won't give me my money back. they said they send the check once if i don't receive it. it's not their problem they wont give me money. I don't know what to do. I haven't pay for college, rent and and have no saving for my family. I'm XXXX  lost please help me.everytime i called them they told me they will send me a check of {$21000.00} my full amount. but they never did. i'm a XXXX  and college already started i couldn't pay for it. since citi bank stole all my money.

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 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/2021 I contacted Chime in regards to a transaction in the amount of {$140.00} through the merchant XXXX XXXX XXXX  due to services/ goods not received. I was initially advised that I my case would be resolved within 30 days. However, upon reaching out to Chime on XX/XX/2021, the 70th day, I continued to receive automated responses regarding my claim with no attempt to resolve. On, XX/XX/2021 Chime contacted me stating the dispute had been denied due to no error on my card which was no relation to the nature of my dispute. They advised me that I could resubmit my dispute and wait 45 days for a decision. I am truly disappointed in the service received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TN

Complaint narrative:
XXXX  is showing three accounts that are not mine. I have filed fraud with them and out a fraud alert on my credit burea account. The three accounts that are fraud and not mine in my experian account are : 1. XXXX XXXX $ XXXX XXXX XXXX 2. XXXX XXXX XXXX {$450.00} 3. XXXX XXXX- {$500.00} These are fraudulent accounts that are not mine. 
Experian is showing the following fraudulent charges. 
1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$450.00} 3. XXXX XXXX XXXX- {$2100.00} XXXX  is showing the following fraudulent charges. 
1.LVNV XXXX- {$500.00}

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 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had several unauthorized transactions on my account, and the Bank wont have a supervisor call me to discuss this matter. I have made several requests over the past 2 months and did not get any call backs. 

I did receive a letter from a XXXX XXXX with a phone number to call her directly, however that number goes right to voice mail, and calls are never returned. 

I am writing this for CFPB to have a manager in the fraud department or someone from the bank to call me at my number 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 2021-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: PA

Complaint narrative:
How can these accounts show the payment status of 120 days past due for the months of XXXX and XX/XX/2019 when it has a balance of zero? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! These accounts were transferred to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID or UPDATE '' all late from reporting on these accounts immediately. Below are the accounts that are still reporting on my account : NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Charleston Area Medical Center
State: OH

Complaint narrative:
I XXXX XXXX is the Original creditor. Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692 a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see the attached copies. I have tried resolving this with the collection agencies in which they keep saying this alleged debt is validated. Again how can you validate something you was not there for. Only I the original creditor can validate this alleged Debt. I XXXX XXXX DO NOT validate this debt. I will be filing a complaint with the XXXX  as well as the attorney general. I do also plan to contact the media and release the information in regards to me being the consumer and natural person and my consumer rights as listed by Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  # XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately please this is hurting my credit. Im in the process of purchasing a home. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Inaccurate/not verified XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX Inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX, XXXX, Equifax continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX, Experian, XXXX continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.

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 2021-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
As of this writing I owe {$140000.00} in student loan, which has been handled by several companies who have been historically predatory with the interest rates and their predatory practices of so-called debt relief resolutions that target low-income and vulnerable borrowers, as myself has left me with surprise fees, damaged credit, lost loan records and repayment benefits resulting from loan servicer transfers. These predatory loan servicers are responsible for incorrectly processing my payments and how the payments are allocated to my loan, and overseeing billing and loan payoffs. The payments were processed incorrectly, which has lead to my inability to participate in forgiveness programs and the elaborate increase in interest. The fraudulent and deceptive services aimed at helping students " manage '' their student loan debt has personally increased my student loan debt to 5x of the original amount. The first company that handled my student loan was XXXX, account numbers # XXXX and # XXXX, in XXXX ( {$12000.00}, {$32000.00} and {$76000.00} ) which mishandled my payments and advised me to refinance my loan, the second company was XXXX # XXXX in XXXX ( {$22000.00} ), XXXX  # XXXX in XXXX ( {$100000.00} ) and now Fed Loan # XXXX ( {$140000.00} ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I XXXX XXXX is the original creditor Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see attached copies. I have tried resolving this with the collection agency in which they keep saying this alleged debt is validated. Again how can you validate this alleged debt? I XXXX XXXX DO NOT validate this alleged debt. I will be filing a complaint with the XXXX  and attorney general. I also plan on contacting the media and release the information in regards to me being the Consumer and Natural person and my consumer rights as listed by Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I Consumer XXXX XXXX entered into a consumer credit transaction with CARVANA, LLC on XX/XX/2021. A consumer transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer transaction. The finance charge does not include cash, but Carvana, LLC took cash. The Finance charge is suppose to include insurance, but Carvana, LLC made me purchase insurance separately and I am currently making monthly payments to cover any future damages to the vehicle which should have been covered. Carvana, LLC also violated the Securities of United States by altering the contract by taking security interest in proceeds and insurance policy by form of alteration. 

XXXX XXXX XXXX, c/o Carvana, LLC is civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent letters to dispute items on my consumer report to XXXX, XXXX, AND XXXX, the investigation took well over 30 days

Company response to consumer: Closed with explanation