vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to know why my credit score dropped 13 points for paying off a personal loan. I believe trans union is unfairly scoring me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: FL

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 2021-09-13 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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
PayPal/Synchrony Bank reported my MasterCard as over-the-limit on my last statement. Subsequently, they reported this information to all three credit bureaus. This information is inaccurate. On XX/XX/XXXX, I made a payment of {$180.00} to prevent my account from being sent into over-the-limit status. In fact because I did that, PayPal Mastercard 's computer system rebated me interest charges and fees ( see below ). 

XX/XX/2021 *INTEREST CHARGE* PREV CYCLE PURCHASES $ XXXX XX/XX/2021 PREVIOUS CYCLE DEBT CAN FEE $ XXXX However, they still charged and reported to all three credit bureaus for being over-the-limit. I want to them to correct this mistake and report accurately that I was not over limit and report the correct balance to include the {$180.00} payment which would prevent my account status from being changed on my credit report. I have a screenshot of my account activity for XX/XX/XXXX with this evidence highlighted that supports my position. 

Attempts were made to resolve this issue through the individual credit bureau online dispute process, but their websites keep crashing every time I click the Submit button. Someone might want to reach out and reprimand the web-development team.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo purchased our mortgage soon after we purchased the home. Then, the pandemic hit. We opted to take advantage of the mortgage payment deferment and deferred a few payments. These payments were supposed to be tacked on to the end of our existing loan. We tried to refinance the house to take advantage of lower interest rates and to do some home improvements. Our new lender told us we couldn't do a home improvement loan because we already had 2 mortgages. We never signed anything about a second mortgage and knew nothing about it. Upon further investigation, we noticed that in the online tool for our mortgage account with Wells Fargo, we only saw 1 balance and 1 loan number. But for some reason the new mortgage company saw 2 balances showing with Wells Fargo. Because of this, 2 mortgage companies told us that they couldn't legally offer a home improvement loan to us due to Texas State law. Our only option to clear this up was to do a simple refinance of the house so that we end up a simple, single loan again. In a few months, we will try to get a home improvement loan. This additional refinancing step cost us well over $ 20k that we should never have had to spend. But, we went ahead and did it to get away from Wells Fargo 's misleading practices. Hopefully, they won't buy our new loan from our new mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery is attempting to collect a debt that I have already paid the agreed upon settlement amount. Original amount was XXXX. They sent me a letter dated XX/XX/21 that stated they would settle the debt for XXXX if paid by XX/XX/21. I paid XXXX on XX/XX/21. Instead of removing it from my credit, they subtracted the amount I paid and put the difference on my credit report. I have disputed this with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: PR

Complaint narrative:
The XXXX XXXX XXXX  is reporting this account that it is not mine, much less my husband 's. The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Had a XXXX card from you. In good standing. It was closed because you learned I had felony convictions. I've already talked to a lawyer who deals with the FCRA. He says these things are not found in credit reports. Since I gave you no permission to background check me, I believe you are in violation of federal law. He asked me to have you tell me where you got my information before we move forward legally. Just told me today if we get no response we will be sending a letter by certified mail to your legal department. Please put me in touch with someone on your legal team to tell me how you have my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with TOYOTA MTR. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I am writing this letter to address the harassing behavior exhibited by Sallie Mae toward me and my family. They are a behemoth whove been enabled by the current economic and higher educational climate to intimidate and bully us well-meaning and patriotic Americans!!! 

Their threatening phone calls occur during all hours of the day starting at XXXX XXXX  and continuing unrelenting until XXXX XXXX  daily. AND even on Sundays! 

My sons XXXX and XXXX, as well as myself XXXX XXXX XXXX, are all cosigners for my granddaughter XXXX XXXX XXXX XXXX. The XXXX pandemic, as well as her hospitalization for health issues, as well as unemployment stemming from the challenging economic climate, led to her difficulty and delinquency trying to meet her student loan obligations. She is now working two jobs to help pay down her debt.

I am a senior citizen on a limited income from a career as a civil servant trying when I can to help her financially on occasion. This Sallie Mae is a coldblooded institution. Theyre trying to get blood from a stone from a responsible and conscientious young adult who is paying monthly and not seeing any results.

As far as the consequences are concerned from my perspective, at the start of XX/XX/2020I had a credit score of XXXX. It is now in the XXXX range, as is also the case of my sons XXXX and XXXX, whom also had exceptional credit scores.

Why cant they combine the loans, make it one payment so we can see where the money is going? Interests and fees!?!? Are you kidding me? None of us know where the money goes to or which account. They do not make it easy to understand their billing statements!!! I feel they are robbing these kids blind and they will never get ahead for years to come.
And us hard-working Americans who support our children are offered up as collateral damage so these corporate monoliths pad their fat wallers and leave our kids indebted to these thieves for life!

Hopefully Sen. XXXX XXXX can help with this problem, along with Congressman XXXX. I am imploring your help and expertise to really delve into the hidden numbers game, obnoxious and intrusive communication tactics, and predatory lending practices which exploit our youth who seek higher education to better themselves and society as a whole. 

Thank you for taking time to consider this matter, and I would greatly appreciate further personal dialog on this subject if you would be so kind! 

Very truly yours, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
THIS COLLECTION IS NOT MINE!! I HAVE ALREADY TRIED TO CONTACT BOTH THE BUREAUS AND THIS COLLECTION COMPANY AND BOTH ARE IGNORING MY REQUEST!!! I HAVE RIGHTS UNDER THE FCRA AND UNDER SECTION 611 THIS COLLECTION NEEDS TO BE DELETED! THEY HAVE BOTH FAILED TO RESPOND TO ME OR SEND ME ANY VERIFICATION OF DEBT!! THIS IS WRONG!!!!! I DEMAND THE HIGHEST POWER POSSIBLE TO DO THE RIGHT THING HERE!! I AM TRYING TO BUY A HOUSE AND BECAUSE OF THIS, I AM BEING DENIED!!! THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER!!! AS THE CFPB YOU ARE REQUIRED TO PROTECT ME AND THIS IS NOT PROTECTING ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: First Technology Federal Credit Union
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting. debt on my CR after I disputed the validity of the debt as I do not believe it belongs to me. I never received anything in the mail outlining the debt, whom it may belong to or actually anything at all! The debt says I owe {$10000.00} and was opened on XX/XX/XXXX which is impossible as I did not apply for anything in XXXX. I have disputed the debt with 3 CRA and the dispute remark reflects its resolved as reported by grantor. How can this be? 

also, the same company is reporting a second debt dated opened XX/XX/XXXX for {$1300.00}. Same exact scenario. Disputed and same remark as above. I have no idea what this is for and never received validity nor verification of the debt. 

Also, the debts are reported as paid and then put back on as balance increased about 4 days later so it reflects as a new account on my report making my credit score drop. 

Also I am guessing that First tech FCU is whom the debt is from? But they are reporting account closed XX/XX/XXXX from a credit card with balance {$4600.00} and charged off as bad debt the account was opened XX/XX/XXXX but if it were closed XX/XX/XXXX they just updated the account on CR as of XX/XX/XXXX. 

I have also disputed with First Tech as I have no knowledge of this debt and never had a response in the mail from them. I have disputed and on my CR it stated that its resolved. I still disagree

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not have any record under my name and they also informed me it is the policy of all bankruptcy courts to not report any information to the credit bureaus. They also mailed me a letter explaining no record and the court policy on reporting to bureaus. I then contacted XXXX XXXX and they sent me a letter that I have attached that they can not find a record as well. I demand that you remove the bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. You have 30 days to remove the bankruptcy from my credit report or I will file a lawsuit with the federal district court in my area.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Very poor handling of compromised accounts. My account was compromised and I immediately took action to block the account when notified by text. 

Txn 1 Date XX/XX/2021 {$2500.00} Txn 2 Date XX/XX/2021 {$2500.00} Nonetheless Coinbase allowed unapproved purchases to go through and get transferred out of my account. I did not even have that much in the account to buy anything. I had maybe {$500.00}. 

My bank rejected the request to transfer the money so the bank acted responsibly. Coinbase DID NOT. They still want to hold me accountable for purchase that I did not authorize.

Coinbase is absolving themselves of responsibility since it is digital and they have no way to trace. This is a weak excuse and frankly poor business practice. 

At this point I simply want to close my coinbase account and never deal with them again.

I can only imagine others have had similar issue.

See below for message I received from Coinbase. 

Thanks in advance for assistance. 

Regards, XXXX XXXX Here was message I received from Coinbase when I asked to close my account. I find this to be unacceptable since I did not have enough money in my account to do these purchases and as soon as I received message of invalid activity I reported my account as compromised. 



We are unable to close your account due to reversed transactions with your bank and an outstanding balance owed to Coinbase. We understand that your account may have been compromised and unauthorized activity occurred.

Customers are responsible for the security of their devices and passwords used to access their email and Coinbase account, and as such are responsible for any activity that occurs when those devices or passwords are compromised. Please visit our security page for more information : https : XXXX We do recognize the difficult position this puts you in. However, this does not change the current status of the account. We can not reimburse or credit for this outstanding balance owed to Coinbase because once digital currency is purchased or sent off the platform, we do not have a way to reverse these transactions.

Please note : In order for Coinbase to delete your account or consider restoring the purchasing ability for your Coinbase account in the future, you will need to first resolve the outstanding balance owed to Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and invalid information on my credit report. Its now over 35 days later and I haven't received a response. At this point I feel my disputes are being ignored. Section 611 ( a ) states that a failure to investigate disputes within 30 days gives reason to immediately remove the information from my credit report. It has been over 35 days therefore the information should be deleted immediately. This information has caused me unexplainable stress and if information is not deleted immediately I will be forced to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX DATE:XXXX CREDIT CORP SOLUTIONS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT CORP SOLUTIONS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Lender continues to report " open '' status on mortgage that was paid off 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 2021-09-13 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: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened an account through XXXX, who uses TDBank, for a payment plan on my Cell Phone. The first 3 month 's payments went through fine, then the next two months did not go through. I was not made aware of either of these not going through until the next month I noticed that I had more money than anticipated in my bill pay account. I researched and discovered the issue. I called XXXXTDBank who informed me that my account number was not correct and so the payments were rejected. The operator and I fixed the system error and made the payments in one larger payment. I realized that it may effect my credit statement, and so inquired about that not being shown as a late payment because of this system error ( and it was an error on their side seeing as my first 3 payments went through just fine ) - I was told that it shouldn't show up. So when it did, as I was applying for a home loan, I called back asking to get this corrected. I was told that they would not change the information, because the payments were late. This despite their system error, which messed up my account information, my attempts to make payments, and their system 's lack of notification telling me the information was incorrect/payment was not received. 

I made several attempts at having them remove this error on my report, but they refuse to cooperate despite my making the payments.

Company response to consumer: Closed with explanation