vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: COMMERCE BANK
State: CO

Complaint narrative:
My wife and I have had a vehicle loan with Commerce Bank since 2017. For the past two-and-a-half years, since we moved addresses, we have not received any monthly statement. We continue to pay our loan through their online portal. But their online portal does not have any way to access any sort of statement, it just takes money. As a result, we can't be sure exactly when our payments are due, what the exact amount due each month is, or how much is left on our loan. We are essentially guessing on due dates and amounts based off the few statements we received at the beginning of the loan. We have called Commerce Bank roughly 8 times trying to get them to send us a statement. Each time we give them updated address information and each time they still have our old address. They continue to fail to send us any statement. 
I am concerned this will eventually affect our credit. I am more concerned that Commerce Bank is doing something shady or illegal regarding our loan because, at this point, we have no way to tell what is happening with our loan and our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: PNC Bank N.A.
State: SC

Complaint narrative:
I attached a list of transactions for review. I paid off my PNC Bank credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX when PNC reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and PNC has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a PNC Bank manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely PNC will remove the late ding on my credit. I also attached what PNC has reported to XXXX as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me 60+ points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that PNC acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I filed a dispute with the credit bureau for a collections account with XXXX XXXX XXXX. I provided proof to them that I filed a complaint against XXXX XXXX XXXX with the CFPB and they agreed to stop collection on the debt and remove if from my report. After sending this information they updated the account as a paid collection instead of removing it which is inaccurate. This account should be completely removed.

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 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One restricted my credit card usage for a very long time. Time has went on and my credit has improved significantly XXXX XXXX - XXXX ) and I now have a major understanding of how credit works. Despite this, Capital One says my account is permanently restricted and can not explain why. They're just saying they can't reopen it. I feel like it isn't fair that I'm not being granted permission to use this card even after I've worked so hard to get it under control and keep it that way. I have just been granted two other credit cards from other lenders. One for {$1700.00}, and another for {$500.00}. There is simply no reason they wouldn't allow me access to a measly {$500.00}. Closing the account isn't an option for me because I need to keep this account open for credit age/history because it is my first card ever XXXX opened in XXXX ) and I hadn't gotten another one until about 5 years later ( XXXX ). If I close this account my credit will be ruined and it isn't worth it. That's why I want to come to an agreement with Capital One on them either opening my account back up for charges, or helping me get a new credit card without having to do a hard inquiry since there have been many random inquiries on my account as of late and I've been a loyal customer for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: DE

Complaint narrative:
I sent certified letters to the three bureaus and they have neither responded nor verified the items from my report. Here are the items : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX 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 2021-05-10 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: DE

Complaint narrative:
I sent certified letters to the three bureaus and they have neither responded nor verified the items from my report. Here are the items : XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX 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 2021-05-10 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: DE

Complaint narrative:
I sent certified letters to the three bureaus and they have neither responded nor verified the items from my report. Here are the items : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I filed a dispute with the credit bureau for a collections account with XXXX XXXX XXXX. I provided proof to them that I filed a complaint against XXXX XXXX XXXX with the CFPB and they agreed to stop collection on the debt and remove if from my report. After sending this information they updated the account as a paid collection instead of removing it which is inaccurate. This account should be completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: NV

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX which is a major cable company has reported that I owe them a debt of {$340.00} which I have no knowledge of never never had any cable with this company, XXXX XXXX  appeared on my credit report 2 yrs ago as I owe them this same {$340.00} I DISPUTE and it was removed now XXXX XXXX  sold this account to ICS SYSTEM INC which this company now reporting on the behalf of XXXX XXXX for the same of {$340.00} I contacted this collections about this and they stated that XXXX said that I had XXXX and I was unable to pay this. Well once I looked on my XXXX  credit reported ICS SYSTEM stated in comments that I had XXXX XXXXXXXX when i contaced them they acted like they had no knowledge of this, this statement this BLASPHEMY and I'm reporting they have brought my credit score down 60 pts because of this

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 2021-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/2021 way over 90 days ago and I have not received no investigation results, I am being totally ignored and treated with no respect of my rights, concerning illegal reporting activities from the bureaus. I sent certified return receipt dispute letters out to XXXX XXXX  and Transunion regarding personal incorrect personal information and another inaccurate account listing as a repossession on my credit report. It is in Violation of The Fair Debt Collection Practice Act section 807 violation misleading and false reporting, this account is inaccurate and I am seeking litigation with proof of the letters I sent out and demand it be removed from my credit report at once.

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 2021-05-10 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: NC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: CA

Complaint narrative:
Hello, I have disputed some errors on my credit report regarding two XXXX XXXX accounts. These XXXX accounts were paid in full years ago but are now reporting recent late payments in XXXX, XXXX & XXXX. This is a complete error and needs to be deleted immediately. Experian and XXXX are the two bureaus that are reporting this error.

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 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I have been dealing with coin base and had them send a fake scam email it worried me so I asked to withdraw my money to my original account and help getting tax forms and help closing the account. I got a generic response and no hope or guarantee of getting my money im just eternally locked out of my account like my money is theres .... No human, no help just the have my money now. Coin base is a scam. I'm scared for my identity and my account and money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX Countrywide Home Loans , INC. initiated a securities instrument under the guise of America 's Wholesale Lender as a corporation organized, and existing under the laws of New York. AWL was never a registered Domestic or Foreign in NY State at the time of issuance. T he Assignment of Mortgage unto Bank of America N.A., successor by merger to XXXX XXXX XXXX XXXX XXXX XXXX Countrywide Home Loans Servicing XXXX. When BOA was assigned this note on XX/XX/XXXX they went into the NY Corporate Division to register AWL on XX/XX/XXXX fulfilling the deception that Countrywide admitted int eh lawsuits that were carried out in the Great Recession of XXXX ' the Biggest Scam in American Real Estate. This is " Securities Fraud ''. The Note and Mortgage are void because the alleged Lender America 's Wholesale Lender stated to be a New York Corporation, was not in fact incorporated in the year XXXX or subsequently, at anytime, by either Countrywide Home Loans, or BOA, or any of their related corporate entities or agents. America 's Wholesale Lender, and its predecessors in interest had no right to receive payment on the mortgage loan because the loan was invalid and therefore void because the corporate mortgagee named therein, was non-existent, and no valid mortgage loan was ever held by America 's Wholesale Lender or its predecessors in interest. The alleged assignment of Mortgage which purported to transfer interest in this mortgage to XXXX XXXX XXXX XXXX XXXX XXXX Countrywide Home Loans Servicing, LP as assignee was invalid because Mortgage Electronic Registrations Systems Inc. XXXX MERS XXXX, as nominee for America 's Wholesale Lender had no Authority to assign the ownership interest of said mortgage because XXXX was not the owner of the subject mortgage and was only a nominee for America 's Wholesale Lender, an alleged New York Corporation which was non-existent Corporation. Said purported assignment was without authority, and therefore invalid.

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 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : AMEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield & Associates claims to have spoken with me on XX/XX/2019. This is FALSE. They have collections on my credit profiles in the amounts of {$1100.00}, {$1100.00}, {$1600.00}, {$1100.00}, {$660.00}, and {$1300.00}. They claim that I owe these amounts to XXXX XXXX XXXX. I've asked them to provide signatures as proof. They haven't because they can't. I have never been to that medical facility in my life as I've not been to a doctor in a few years. I don't owe anything and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: WI

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a XXXX / XXXX  based in XXXX and started working with Paypal as a XXXX option for the money sending/receiving from my respective clients. 3 Months ago, Paypal has blocked my account permanently by holding the balance of XXXX XXXX. I am now waiting for 90 days for the money that belongs to me and this XXXX XXXX XXXX is holding XXXX from XXXX XXXX without any authority. 

I am really not in the favor of using this XXXX XXXX XXXX, and XXXX services as a reseller in the future, All I need your support for withdrawing the money from Paypal. 

I have tried reaching them, 2 hours on the Long hold on interaction XXXX number and over the XXXX XXXX feature but none of the time I have received a positive response. It seems like this XXXX XXXX is trying to attempt illegal authorization on my Money. 

My registered Paypal XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: VT

Complaint narrative:
Transitioning from Simple Bank to BBVA USA. I, like others, tried to access my " new '' ( or transferred ) account through BBVA using the exact instructions given and encountered several different types of errors. Tried to contact customer service 8x times over the next 2 days and was either hung up on or otherwise unable to reach anyone. I've currently been on hold for greater than an hour and still haven't been able to reach anyone. The only useful information I've been able to find is through XXXX from other people going through the same thing. This entire situation is completely unacceptable and bordering on criminal negligence on multiple levels. Why would any financial institution transition a massive number of users on a Saturday in the first place? Being unable to access funds during, you know, A GLOBAL PANDEMIC when many people are facing financial hardship is beyond concerning on it's own, but then to hear nothing from the company takes it to another level.

Company response to consumer: Closed with explanation