vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: NC

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VANDYK MORTGAGE CORPORATION
State: MI

Complaint narrative:
XX/XX/2021 : After recieving a tax bill from the City of XXXX and confirming with the city that my property taxes have not been paid, I email XXXX XXXX at XXXX XXXX asking about it. 
XX/XX/2021 : XXXX XXXX at XXXX XXXX says she is working on it. Escrow analysis shows that I have a {$900.00} surplus. 
XX/XX/2021 : XXXX XXXX XXXX to ask for status update on escrow account. 
XX/XX/2021 : XXXX XXXX XXXX because taxes are still unpaid and escrow analysis has not been updated. 
XX/XX/2021 : Recieved this email from XXXX 's secondary XXXX explaining the issue. " First and foremost, this is being taken care of today. It will take us a day or two to get all the dust to settle, but the taxes are being paid ( again XXXX. The background - when we closed, the tax bills were not issued yet. Because of that, we set aside funds that were an estimate ( {$1200.00} XXXX which remained at title to disburse when the tax bill came out. Unfortunately, the amount we actually were taxed for and what we set aside at closing to pay the upcoming bill ended up being different, which led to a shortage. The second issue is that when we attempted to pay the taxes again in XXXX XXXX we use a third party ), that amount came back higher than what was actually billed by the city. Those funds were returned from the city and we have payment going out today on it at the correct amount.Any penalties incurred will not be charged to the borrower in any way, those we will cover. We also are going to be running a new escrow analysis for this borrower, that does take at least 48 hours to run and become effective. With those two in hand, this should be resolved moving forward. Let me know if you have any further questions and apologies for the delayed response times. '' XX/XX/2021 : XXXX XXXX emails me to say that my new escrow analysis should be in the mail fairly soon. 
XX/XX/2021 : XXXX XXXX XXXX to let him know that I have not recieved a new analysis. No new analysis on " other documents '' page where other ones are located. 
XX/XX/2021 : XXXX XXXX emails that he is checking on it and will get back with me. 
XX/XX/2021 : Still have not recieved new analysis and XXXX XXXX has not provided an update. I have also not recieved the {$900.00} surplus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: MS SERVICES LLC
State: CA

Complaint narrative:
I have a fraudulent collection on my credit report. MS Services LLC account number XXXX for {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 an unauthorized access to my coinbase account occurred. I only discovered it when I was notified that a transfer from my bank account in the amount of {$28000.00} had been initiated. ( I received an email to that effect ). The unauthorized access was a result of a FAILURE IN COINBASES SECURITY AS THE REQUEST FOR XXXX AUTHENTICATION CODE WAS NEVER RECEIVED NOR WAS THE EMAIL ASKING ME TO AUTHORIZE ACCESS TO A DEVICE. 
Once I became aware of the unauthorized access I logged into my account and discovered an illegal attempt was made to transfer {$28000.00} from my linked bank account. I also discovered a XXXX account added to my account that was not mine ( I do not use XXXX  ). I deleted the fraudulent XXXX account, and immediately. I notified coinbase following their instructions to disable my account and reported the fraudulent attempted transactions. 
I then contacted my bank and instructed them NOT to honor the fraudulent attempt to transfer funds. 
I was successful in preventing the fraudulent transfer, and received acknowledgement from coinbase that my account has successfully been disabled and NO FURTHER ACTIVITY WOULD BE ALLOWED. 
The following day the request for {$28000.00} arrived at my bank and was refused on my instructions. Clearly coinbase did not stop the activity even after the account was disabled. 
Shortly thereafter I received a notice from coinbase demanding that I fund {$28000.00} fraudulent transfer and if I did not provide the funds within 10 days, coinbase would sell my assets. 
I responded by explaining the breach once again, however my response was ignored and onXX/XX/2021 coinbase sold my remaining assets and in fact continues to demand I fund the fraudulent attempted transfer. 
I am unable to speak with anyone at coinbase and in fact there is no way to communicate with anyone at coinbase. All attempts to contact them have resulted in automated responses that do not address the issue. 
Further investigation by me concluded there were no viruses on my machine nor was my phone every out of my possession, so clearly the breach of my account was due to a FAILURE IN COINBASES SECURITY. 
What steps can I take to correct this issue and regain the assets that coinbase took from me illegally?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A capital one credit card account was opened in my name. I did not open this account, nor did I supervise it. I have called the bank associated with this card, and I am aware of transactions in California that could not possibly relate to me at all. I need this removed off my credit reporting ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021 I went into my Capitol One credit card app to make a payment on one of my credit cards and to find that a bankruptcy was filed under one of my credit cards. I immediately contacted Capitol One to resolve the issue. 3 days later, what I thought was resolved, actually was placed into collections and my card was " Charged Off '', by Capitol One. I have a credit limit of {$300.00} and had a balance of {$110.00}. I had never been late on a payment and now I'm 2 weeks from applying for a mortgage and this could hinder me from getting a mortgage. I've multiple attempts/complaints to Capitol One credit card and they keep giving me the run around. 
I did not file bankruptcy and i shouldn't be having this issue. 

Please advise on what to do next. 

Thank you for your cooperation XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX  card from Bank of America for California XXXX XXXX was stolen and being used before I received it. I have never received a card. Per BOA, it has been processed XXXX sent XXXX on XX/XX/XXXX, activated on XX/XX/XXXX and started being used on XX/XX/XXXX ( total of {$5000.00}, 5 different occasions XXXX via ATM. I filed claim to BOA for full reimbursement and filed to XXXX XXXX Police department for Identity theft and forgery and today, 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 2021-03-25 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: DISCOVER BANK
State: NC

Complaint narrative:
discover card opened a account in my name without my permission. I have sent over police report and FTC report and court documents and they still want remove it off my credit file from XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have tried several times to dispute this account that is reporting to my credit report. This account was opened without my authorization.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX is reporting an account on my credit. report that i do not recognize ... I ve sent 4 letters to all of. the bureau to verify/validate this account, XXXX was not able to verify/validate this debt and deleted it from my credit report ... .How have XXXX and experian been. able to verify/validate this account if XXXX could not? they. have yet to send me a signed copy of this so called contract ... .Arent experian and XXXX  supposed to follow suite as this can not be verified/validated? i need this deleted immediately or i will be contacting the state attorney as well as a cfpb attorney

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 2021-03-25 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: VA

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX I called Experian with an ongoing issue in regards to my credit profile not reporting properly. I started with calling Experian three weeks ago, an agent stated that I have two profiles with them and it's displaying two different year of birth, one XXXX which is correct and the other XXXX. Since noticing this, I have called, tried to dispute and have spoken to several agents and nothing has been done. When I call, they place me on hold, the call goes into silent hold and no one ever comes back on the line. The credit report is only reporting one account, when I have several. No one at Experian seems to care to get this issue resolved for Me after several attempts. I have even spoken to identity theft department and this is an ongoing issue that no one seems to take of. I am now reporting Experian for their lack of knowledge and interest in assisting the consumer. I am in the process of wanting to purchase a new home but unable to since my information on Experian 's end does not match XXXX and 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 2021-03-25 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: KS

Complaint narrative:
I have fraud inquiries with Transunion and for the past month I have been trying to get them deleted but they won't delete them at all.

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 2021-03-25 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 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
OnXX/XX/2021, I noticed my credit score decreased by XXXX  points, due to inaccruate reporting by Synchrony Bank. During the pandemic I have been trying to make payment arrangements with credit card companies to preserve my credit as we all try to come out of this worldwide life changing event. Synchrony Bank mislead me when offering a solution to assist with my financial hardship during the pandemic. Under the offered arrangement my credit card account would be closed, the account would show as current and I would have a reduce monthly payment. I was also told I would not have any derogartory reporting to the credit bureaus. Synchrony Bank reported to the credit bureaus I missed a payment within a time frame of 30/60/90 days. I called Synchrony on XX/XX/XXXX for clarity as I have been working to keep current on all my financial obligations as best I can, however aware of the arrangement I entered into with Synchrony I was under the impression I had some time to catch up as the arrangement was presented by Synchrony Bank ; to be designed to help cardholders keep their credit intact, during this difficult financial time we all are experiencing. The supervisor I spoke with at Synchrony stated my account was 3 payments delinquent, then stated my account was 42 days delinquent, & another time during the conversation stated the account was 72 days delinquent. It is evident Synchrony Bank is mismanaging my account and incorrectly reporting damaging information to the credit bureaus, which has/can/will have a lasting effect on my life long after the pandemic is over. This is completely unfair for Synchrony to be inaccurately report to the bureaus during the pandemic or at any time and furthermore to completely disregard the arrangement Synchrony Bank offered its cardholders to assist during the pandemic.

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 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/2021, I accidentally didn't have the amount of money in my XXXXXXXX XXXX  account to pay the automatic billing I set up for the statement balance ( {$830.00} ) of my Citi Costco credit card. I then contacted Citi customer service via chat on XX/XX/2021. With their help, I coordinated a manual payment to make up for the failed payment on XX/XX/2021. The customer service representative confirmed that I was taking the right steps to fix this issue. However, on XX/XX/2021, I noticed that Citi attempted to charge me for both the manual payment, and had the automatic repayment try to re-charge me again. This resulted in having {$830.00} taken from the checking account on XX/XX/2021, and a second and third attempt to extract another {$830.00} on XX/XX/2021 and XX/XX/2021. These XXXX attempts failed, causing {$25.00} each in overdraft fees. I spoke to Citi on XX/XX/2021 about this and they only told me that they failed to get payment on XX/XX/2021, implying XXXXXXXX XXXX failed to pay them. I checked with XXXXXXXX XXXX  and confirmed that they did pay Citi. Citi did not tell me at this time that they were charging me twice. They also told me that the statement was paid and they would no longer attempt to charge my account. They then attempted to extract the second payment again on XX/XX/2021, this time successfully drawing {$830.00} from my account, in contradiction to their previous statement that they would stop charging my account. The end result was that Citi charged me for the same amount twice, and this unexpected charge led to {$50.00} total in overdraft fees. They also took {$830.00} from my account that I had not planned on giving them at that time. They then proceeded to deny me reimbursement for their mistake and told me that the fees were from XXXXXXXX XXXX and they could not reimburse me for those. They also deflected on returning the {$830.00} they took from me, until I ultimately conceded to allow them to apply it to my next credit card payment. They did not take responsibility for the double charging, even though I followed a procedure I specifically asked them was okay. They denied reimbursement for their mistakes. They denied make mistakes, and shifted blame onto me when I was specifically following a procedure I had verified with them to handle my failed payment on XX/XX/2021. Their customer service was outrageous at times constantly shifting blame onto me and XXXXXXXX XXXX I was extremely dissatisfied with how Citi handled these issues. Citi also did not allow me to get chat transcripts of my conversations with their customer service, I was only able to get them by copy and paste, which was annoying.

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 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Comerica
State: MI

Complaint narrative:
I HAVE CONTACTED COMMERICA BANK AND WITHOUT AN CARD ENTERED MY SSN AND STATED MY LAST FOUR CARD NUMBERS ARE XXXX. CONTACTED DIRECT EXPRESS ON XX/XX/2021 AS ESCALATION AND PROVIDED CHECK NO. XXXX XXXX AND WERE TOLD I WILL RECEIVE CARD 7-10 DAYS. I CALLED LOGIN SERVICE PUT IN MY SSN AND STATED MY LAST FOUR ARE XXXX BUT SPOKE TO TWO REPRESENTATIVES INCLUDING XXXX VERY RUDE NOT TO TRANSFER ME TO SUPERVISOR. THEY SAID THAT THEY COULD NOT LOCATE MY ACCOUNT. IT APPEARS XXXX SSA ARE STILL GIVING MY BENEFITS TO XXXX XXXX XXXX XXXX AND XXXX CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: GA

Complaint narrative:
SYNCB/CARE CREDT is reporting erroneous lates on my credit file. these lates are for the month of XX/XX/21. I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization skyrocket but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.

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 2021-03-25 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: IL

Complaint narrative:
Equifax, XXXX, and XXXX hasnt responded to disputes, and it has been well over 30 days, have not corrected errors on my credit report. I have filed a complaint with CFPB, and response has nothing to do with complaint issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2019, Midland Credit Management Inc add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Midland Credit Management Inc has violated my rights as a consumer and now I request legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief