vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
There are two inquiries listed on my credit report from Santander Consumer USA on the dates of XX/XX/2021 and XX/XX/2021. None of which I have knowledge of nor did I consent to that company to check my personal and credit information. Santander Consumer USA did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. There are currently XXXX complaints stating the same so it seems as if this is a common thing for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: NJ

Complaint narrative:
As previously notified, I am a victim of identity theft.

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 2021-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
The car loan doesnt belong to me what I mean is I didnt purchase the car. I had a family member living with me and when I would travel out of town on business they must have took my ID and information from out of my old pocket book in my closet. The car was brought online and when I found out about it I immediately had the car picked up from that family members new home they moved into. The car was brought in XX/XX/2019 I believe and I have tried working with Bridgecrest to have it removed from my credit to no avail. I didnt do a police report because I dont want the family member in jail she has XXXX small kids but I dont and shouldnt be held responsible because I dont have a police 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 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, my 2factor stopped working and it was trying to send a sms number to a phone number that does not belong. I called to suspend my account and they did. But little did I know that their support does not respond to tickets. I've read many posts where people have been trying to get their accounts back for months. It's like they are robbing people blind. I'm worried, I'll have the same issues. I've put in 5 tickets, I've emailed over and over asking for a status and I get automated replies like this one today. They do t get back to you in 4-5 days. I want to get my money out and close my account with them. Here are a few emails. I have more with the same jargon. 

From : Coinbase Support XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX  To : Subject : [ Reply ] Case # XXXX - hack Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref There help center is no help for those who are locked out From : Coinbase Support <help@coinbase.com> Sent : Friday, XX/XX/XXXX XXXX XXXX  Subject : Case # XXXX - Account Hello, Thanks for submitting your request to Coinbase Support. We're here to help and will be in touch as soon as possible. 

In the meantime, you can find answers to many of your questions by visiting our Help Center. 

Regards, Coinbase Support ref : XXXX : ref XXXX Coinbase www.coinbase.com | Help Center | User Agreement and Privacy Policy Sent : Friday, XX/XX/XXXX XXXX XXXX  To : Coinbase Support <help@coinbase.com> Subject : Re : [ Reply ] Case # XXXX - Hacked By chance is there an update regarding my account and when I can get back in to assess damages myself, if any? 

Thanks, XXXX From : XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : Coinbase Support <help@coinbase.com> Subject : Re : [ Reply ] Case # XXXX - Hacked Thank you From : Coinbase Support <help@coinbase.com> Sent : Monday, XX/XX/XXXX XXXX XXXX  Subject : [ Reply ] Case # XXXX - Hacked Hi XXXX, Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Kind regards, Coinbase Support ref : XXXX : ref

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
I had contacted XXXX to purchase a firearm and received a confirmation via email & text for my order once funds have been transferred ... and within moments of the transfer I did not receive any further information via text realizing that the website was fraudulent I contacted my bank to stop payment and they said the transfer was too late and already processed I asked to investigate where the payment went considering it was from my direct account to a valid number to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
There is one account on my credit report and this is not my account this does not belong to me I have not applied used or know what this is for I dont own anything like this nor have I!!! I need this taken care of ASAP. 

XXXX XXXX - ACCT # XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2021-06-04 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:
There is one account on my credit report and this is not my account this does not belong to me I have not applied used or know what this is for I dont own anything like this nor have I!!! I need this taken care of ASAP. 

XXXX XXXX - ACCT # XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
There is an amount of {$2700.00} being reported on my account from ACIMA CREDIT XXXX XXXX from XX/XX/2019. I have no knowledge of this being mine nor had knowledge it was being reported on my credit report negatively. I have not gotten enough permissible data from the company of my written agreement or consent that I initiated this debt. And this violates my right with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I applied for a FHA loan through Rocket Mortgage and after providing all information I was put on hold then hung up on then not sent any pre approval. I feel discriminated against as no reason or explanation was provided from the mortgage banker

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
After filing for Unemployment in Kentucky in XX/XX/2020 Ky unemployment began sending benefits to a prepaid card i did not possess. When I got a new card and reporting to Bank that XXXX dollars had been sent to a prepaid card and was spent by someone other than myself and i was not getting charges against my new card not made by me i was told it had been sent to XXXX XXXX XXXX and they closed the case without any compensation. They only looked into the new charges totalling XXXX dollars and froze my account kept the XXXX dollars that i had in the account they then closed my account cancelled my card and never replied to another email or call. A supervisor i spoke with told my I was a lying theif only attempting to get free money and call me a bum. I complained to Corporate and CEO of BoA. I am still emailing ky unemployment about the funds missing but stilll nothing. I was forced to take the prepaid card or not recieve any funds and then was forced to accept a theft of XXXX dollars without being able to do anything. I want Bank of America to be held accountable for this and pay me back the money wrongfully taken from me that belonged to me and my family. I can not get any help 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 monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was informed my account would close on XX/XX/2021 and my remaining balance will be mailed to me via cashiers check - after being without my income the entire month of XXXX. 

State employees get paid once a month. 

On XX/XX/2021 XXXX XXXX the Branch Manager at US Bank in XXXX XXXX called me and informed me the account was closed and he has a ledger. He can write me a check but I need to get paperwork from my HR department proving the check was paid. Despite me previously showing my paystub. I asked XXXX to provide me with documentation of his request. 

Though it did not make sense since my account was in good standing with a positive balance. If the check was returned or not verified why would I have a positive balance? It would have been negative. 

I asked him several times and he has not responded to calls texts or emails. 

He then responds to the email after hours. 

I have been requesting this documentation for nearly a month and Us Bank repeatedly retracts their statement. 
Initially my account my was closing because the check returned. When I asked for proof that it returned they were unable to furnish it. 

Now that the account has closed and they are suppose to mail me my funds XXXX XXXX is saying he cant write me a check yet until he has proof that the check has been paid. So I am requesting proof from Us Bank that they were unable to verify the check. 

If my HR issues me a new check that Us Bank has already processed I would be in major legal problems- its fraudulent. 

Its contradictory. 
If the check was not verified I would not have funds available to refund. 


I have been getting the run around since XX/XX/2021.

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 2021-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Six months ago, I placed in dispute a series of recurring internet-site charges that were showing up on my TJX credit card account backed by Synchrony Bank. I rarely used the card and had a XXXX  balance before this started taking place. The bank continued to charge me for the disputed charges and continued to charge me late fees for not paying the charges I had placed in dispute. When I called on multiple occasions to recitfy the matter or get a status update, I was told a ) that the bank had received payment from the internet-site, but that it had not been properly credited to my account and b ) that they would recitfy the matter and the correction would show up in a billing cycle or two. Every month, I received a new bill, at first with additional charges by the internet-site, and also with late charges for disputed charges I would not pay. After a few more months, the new charges stopped appearing, but there never was a credit for payments received by Synchrony from the internet site, and they continued to charge me late fees and new monthly late fees. I made repeated calls and continued to be told the resolution was underway, just wait another billing cycle and it would appear. When /i realized I was getting nowhere, I wrote to the bank, and mailed my letter and copies of statements both to the billing/payment center and to the headquarters address for Synchrony printed on my statement. I received an email stating that my complaint had been received and was being addressed. Then I received two more monthly bills still showing the disputed charges and all the late fees for not paying the disputed charges. This month, in my statement for payment due XXXX, the statement finally shows the originally disputed charges credited back, and the initial late charges related to the disputed charges refunded ... but they STILL included two months of late charges upon which they are charging MORE late cjarges. i do believe ALL the late charges, which relate ONLY to the disputed charges and nothing else, need to be erased. AT this point, they are simply charging me late fees because I havene't paid the late fees on the disputed charges that they were refunded by the internet site! I have repeatedly asked TJX/Synchrony  to close my account with a XXXX  balance, and it seems impossible to get the account closed!!

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 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In 4 separated occasions I ask for an increase of my credit limit. Last occasion was XX/XX/2021. Capital One didn't use current credit report and decided arbitrarily to utilize one from XX/XX/2021. My credit score in 3 major agencies is over 720. I never had any late payments and my income to debt ration is extremely low. I perceive Capital One is discriminating against me due to ethnicity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WV

Complaint narrative:
Mu neighbor stole my phone ftom my apartment withou3me knowing he had done so. I had fallen asleep talking to him and once i fell asleep he took advantage of the situation. I woke up anout 45 minutes to an hour later and my phone was gone. He wax the only person there when i fell asleep. I went tl his mom 's apartment and she told me he wasn't home. Believing her i went back to my apartment. About 6 hours later i saw that he was online chatting..so i went back to hod moms apartment and he was there ... there was a slight strughle but i was able to get my phone back but hy then he had already apklied for a cash app card in my name. I caceled my credit cars and febit card. But i didn't know abour the cash app that he had opened in my name and started a scam on people. I sent cash app this infornstion and thats all i know. I have no idea what cash app plans to do ... his name is XXXX XXXX he also goes by XXXX XXXX XXXX who is XXXX West Virginia at XXXX XXXX XXXX is the building number and the apartment I do believe is XXXX or XXXX ... i also went to the XXXX police department and was told thaf since i recovered my phone thst i couldnt press charges gor him stealing it ... and that i needed proof..that cash app had to send them something ... i wany this punck behind bars.. he has cashed several dead people 's checks stimulus checks ... this perdin is known to have done all this stuff. From what i have been told he is receiving a dead mans social security money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I Would like to report this collection company that has damaged my credit for a very long time. 
I was a patient with ( Original creditor : XXXX XXXX XXXX XXXX She was my dentist. 
I am a full-time XXXX at XXXX XXXX and I have excellent dental and health insurance. I presented my dental insurance card to my dentist and I assumed that she would apply all the charges to my insurance and send me the bill if any.The front desk of the dentist office had all my phone numbers and my address I never heard from them. 
All of a sudden this collection company put this unknown bill on my account and I called my dentist, which is XXXX XXXX XXXX and told her that my insurance company was to pay that and I gave you my insurance card before you started the procedure. 
This collection company has damaged my credit for too long well I don't owe them any money and they did not send me a letter to let me know what the problem was so I could have resolved this issue before it was put on my credit report.This collection company also updated the balance this month which is incorrect and it is damaging my credit.

Company response to consumer: Closed with explanation