vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive disputed account with XXXX before and yet accounts somehow are still being reported to them with violations in which theyre supposed to verify the accuracy of which the reportings are and remove them if found. XXXX XXXX XXXX is reporting inaccurate information on the reporting and even so reporting a past due on this account which is a violation per the FCRA. This is considered a collection account and collection accounts can not report a past due balance which in this case they are. This account also has inconsistencies with the balance being owed for XXXX {$3300.00} and TransUnion as {$3300.00}. They both have the same account number # XXXX but yet reporting different balances when theyre getting the same information from the creditor but differ. 

XXXX XXXX XXXX  Has another account for which its reporting a past due balance and is violation. Account number # XXXX which I will provide documentation

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 2021-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$1000.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the XXXX for the past 6 months to ask to please stop calling other people around me. 
I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that XXXX XXXX has continued to get information from a third party for me to pay the debt. Violating their privacy and others. 

Under the Hippa law protection, XXXX has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. 

At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. XXXX XXXX has violated laws in trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: FC HoldCo LLC
State: AZ

Complaint narrative:
Flagship Credit shows my car in bankruptcy status. I never went through with the bankruptcy. The car was also in an accident and the gap coverage paid it off. It should show as a non-collection account paid in full.

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 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
To Whom It May Concern, I set up an account with Coinbase either at the end of XXXX or the beginning of XXXX. At the time, I was working/living in XXXX playing professional hockey. I used my XXXX ID to set up the account and everything was all good. Then, I retired from playing hockey and came back to the U.S. I basically forgot about the account until just recently, but now, I can no longer access my account due to two reasons. First, the XXXX app that I used to access the account was on my old phone and no longer works when trying to log into my account. Second, when I try to recover my account, I can not because my current ID is from the U.S. The automated process that verifies someone's identity recognizes that I am who I say, but the ID is not from the country where the account was set up. 

So, on XX/XX/XXXX, I opened up a customer service inquiry with the website and got several automated responses, but nothing from a live human. There has been some back-and-forth and finally they said they were reviewing my case after I sent them some additional information. They said it would take 48-72 hours on XX/XX/XXXX and I haven't heard anything since. I have opened two other cases to resolve the issue and I would get one or several automated responses and then they just ghost me after that. 

I don't have a ton of money in the account, but I would like the ability to be able to access my money that I put into the account years ago. I do find it hilarious that this company is going public soon and at a $ XXXX valuation. They don't even have a telephone number where customers can talk to an actual human being. I have been going through their email process for weeks at this point and I am getting nowhere. 

Thank you very much for your time. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/XXXX Went on Care Credit web site which is owned by Synchrony Bank. There was option to fill out application for credit card which I had one but was closed by Synchrony. Was told to fill out new application which transferred me to Synchrony Bank web site. Was asked questions to verify I was person filling out application. In the end she wanted to call me on my " landline. '' Was told she was talking to me on my landline. Was told she needed to take my picture thru my computer and my cell phone. Was told I did not have capabilities on my phone or computer. Was told by her that there was nothing she could do. XX/XX/XXXX Receive message from Synchrony saying they checked data sources and said they could not confirm my identify which was not true. I have 8 credit cards from Synchrony plus 2 from Care Credit. Only 1 I actually use. The others are closed because they were paid off and I did not use. XX/XX/XXXX e-mailed corporate office.

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 2021-03-07 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: PNC Bank N.A.
State: MO

Complaint narrative:
RE : PNC Bank - XX/XX/2021, I received a Statement of Credit Denial letter RE : HELOC. In a previous phone conversation, the Representative stated my request was Denied based on my XXXX  credit report.? the XX/XX/XXXX, letter clearly states XXXX  was used not XXXX. Nevertheless, I owe XXXX on my home, my home has been Appraised as high as XXXX, I have a minimum of XXXX Equity in my home and Im being tormented about 4 already paid medical bills, XXXX XXXX  Revolving charge account and my auto XXXX balance which I pay BOTH on time. Im selling my auto this month to pay balance in full. Thats {$300.00} ( payment + insurance ), I can use to keep my HELOC payments on track. Its a pandemic, my payments are current, lots of people can not make their payments but, I can. 
Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: NM

Complaint narrative:
I made an account with XXXX crypto trading web site. The web site said to fund the account by bank wire transfer. I sent 2 bank wires. {$700.00} and {$1000.00} and the bank transfer was registered XX/XX/2012. No funds have registered on my XXXX account. Now XXXX says I have to send them more of my personal bank information. Now I have read about many former XXXX customers being scammed by 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 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
There was a fraudulent charge of {$160.00} to my Citi Card on XX/XX/XXXX. I had multiple issues resolving this with Citi. I resorted to finally opening a complaint, XXXX, with the Consumer Financial Protection Bureau ( CFPB ), this website. 

On XX/XX/XXXX the CFPB closed my complaint XXXX providing information that Citi would credit the account. Citi provided information on XX/XX/XXXX that Citi would credit the account for the full amount of the fraudulent charge. This would be the second time for Citi to 'credit ' the account. The account was credited once before, then reversed back to having a balance. 

The day after it was indicated a credit would be applied, XX/XX/XXXX, I received an email from Citi indicating a balance remained on the Citi account. When I checked on-line the balance is the fraudulent charge minus an {$0.00} credit and that payment is due. 

At this point in time, XX/XX/XXXX, I have both Citi and the CFPB, indicating the complaint closed and the issue is resolved. However, I have an e-mail today indicating it is not resolved, and when I check Citi online, the balance remains. I would like to think this is just a delay in the credit, but I have no tangible evidence. As Citi reversed this once before, and there is a balance showing online for the fraudulent change from XX/XX/XXXX, my assumption is the issue is not resolved and the credit has been reversed again. As such I am opening a second complaint.

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 2021-03-07 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: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/2018. Elan Financial reported my payment as 30 days late. Payment was made within grace period. I have called and spoke with representative, also sent Goodwill letter. They refuse to remove the inaccuracy. I have never been late and has since paid account off. This is negatively affecting my credit.

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 2021-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX several calls made regarding debt. I have settled my debt with this hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
My mortgage with Rushmore loans is XXXX per month. I have been on time. prior the loan was with XXXX, and I was always on time. I logged in XX/XX/21 to make my payment, and my payment was increased to XXXX no phone call, nothing in writing at all about the increase. I called on XX/XX/21, spoke with XXXX, he said escrow was XXXX, and now they included it stretched over a year. I asked for detailed escrow info and he said they have to mail it. He said he would call me Friday, XXXX and perhaps they can stretch escrow over 72 months or longer. I didn't hear from him on XXXX, I called again- I spoke to XXXX , and said it should be fixed that night. I just checked, payment hasn't changed. no phone call. I bring home XXXX every 2 weeks ; I can't afford XXXX per month and still pay other bills. Is there any help I can get? 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX Private Loan is a fraudulent account this erroneous charge needs to be deleted immediately with urgency. They sent this to a second party Firstmark Services. Now, they sold it to a company based out of XXXX known as XXXX XXXX XXXX XXXX. This account was opened in XX/XX/2009. The initial amount was {$12000.00} due to interest {$24000.00}. Ive reached out to all parties. Ive filled out a police incident report, FTC report, Ive done everything they requested over the past year. This needs to be removed and permanently deleted from my credit report dropping my credit over 100points this is egregious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: FL

Complaint narrative:
I HAVE BEEN DEALING WITH IDENTITY THEFT WELL OVER A YEAR, SOMETIME IN XXXX I WAS MADE AWARE OF 2 ACCOUNTS THAT WERE FRAUDULENTLY OPENED USING MY NAME 1 COMPANY IS XXXX XXXX OPENED ON XX/XX/XXXX {$200.00} 2ND IS XXXX  XXXX  XXXX OPENED IN XXXX {$4100.00}. WHEN I LEARNED OF THESE ACCOUNTS I UPDATED MY POLICE REPORT WITH XXXX COUNTY SHERIFF IN XXXX FL. I DID A REPORT ANNICIALLY DUE TO SOMEONE STOLE MY PURSE WITH ALL MY PERSONAL IDENTITY. AFTER INFORMING THE COMPANIES I HAD NEVER HAD AN ACCOUNT WITH THEIR COMPANY I ALSO UPDATED MY FTC REPORT AND I ALSO CALLED THE CREDIT BUREAS AND UPLOADED THE UPDATED FTC REPORT WITH ALL 3 CREDIT BUREAUS. WELL SOMETIME LATER I APPLIED FOR A MORTGAGE AND WAS INFORMED BY THE MORTGAGE COMPANY BOTH THESE ACCOUNTS WERE ON MY EQUIFAX CREDIT REPORT ( ONLY ON EQIFAX ) I FOUND IT HARD TO BELIEVE BECAUSE I HAVE A MYEQUIFAX ACCOUNT SO IM REGULARLY CHECKING MY CREDIT REPORTS, SO I CALLED EQUIFAX AND EXPLAINED THE SITUATION THE REPRESENTAIVE ASSURED ME THERE WAS NO COLLECTIONS ON MY CREDIT REPORT, SO AGAIN I APPLIED WITH A DIFFERENT MORTGAGE LENDER AND SAME THING WAS TOLD THERE WERE 2 COLLECTIONS ON MY ACCOUNT, SO AGAIN I CONTACT EQUIFAX AND AGAIN WAS TOLD NOTHING WAS ON CREDIT REPORTAND THE REP STATED SHE WOULD BE SENDING ME A CREDIT REPORT IN THE MAIL, I HAVE YET TO RECIEVE THAT REPORT! WELL ON XX/XX/XXXX I RECIEVED AN ALERT FROM XXXX XXXX INFORMING ME THAT MY EQUIFAX SCORE WENT DOWN OVER 60 POINTS SO I LOG ONTO MYEQUIFAX ACCOUNT AND MY CREDIT REPORT WAS ALL MISINFORMATION THOSE 2 COLLECTIONS WERE ON MY CREDIT REPORT AS WELL AS 22 INQUIRIES THAT ARE NOT MINES AND ALL MY POSITIVE TRADELINES WERE NO LONGER ON MY CREDIT REPORT! I CALLED EQUIFAX EACH TIME BEING TRANSFERRED FROM REP TO REP, I FINALLY SPEAK TO A REP AND HE SAYS HE CANT IDENTIFY ME OVER THE PHONE THAT I NEEDED TO SEND IN MY IDENTIFICATION AND SOCIAL. I EXPLAINED IM SURE YOU CANT SINCE EQUIFAX HAS REMOVED ALL MY INFORMATION AND TRADELINES AND PUT NEGATIVE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CALLED MULTIPLE TIMES ONLY TO BE TOLD I NEED TO PROOVE THE ACCOUNTS ARE NOT MINE, I EXPLAINED I HAVE UPLOADED MY LEASE WHERE I WAS AND STILL AM RESIDING AT THE TIME ACCOUNTS WERE OPEN I ALSO UPLOADED ON EQUIFAX WEBSITE 3 MONTHS OF UTILITY BILLS PROOVING MY RESIDENCE AT THE TIME, I ALSO UPLOADED FTC REPORT AND ALSO POLICE REPORT AND MY LICENSE WHICH ALSO HAS MY ADDRESS ON IT. AND I ALSO UPLOADED MY SOCIAL SECURITY CARD. AND STILL NOTHING IS BEING DONE, TOLD ME I HAD TO WAIT 30 DAYS FOR DISPUTE RESOLUTION. ITS NOT FAIR THAT FRAUDULENT ONFORMATION CONTINUES TO SIT ON MY CREDIT REPORT WHEN I HAVE PROVEN THE ACCOUNTS DONT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: IL

Complaint narrative:
i have sent out numerous of letters dating all the way back to XXXX of 2020 to all 3 credit bureaus.informing them that accounts on my credit report are inaccurate and don't belong to me they have responded by saying the accounts have been verified so then i ask for proof that the accounts belong to me and i get no response and accounts still remain on the reports.

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 2021-03-07 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: IL

Complaint narrative:
i have sent out numerous of letters dating all the way back to XXXX of 2020 to all 3 credit bureaus.informing them that accounts on my credit report are inaccurate and don't belong to me they have responded by saying the accounts have been verified so then i ask for proof that the accounts belong to me and i get no response and accounts still remain on the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: MD

Complaint narrative:
I recently obtained copies of my credit report and noticed inaccurate information being reported on my credit reports. I contacted the credit bureaus and failed to receive a response within 30 days which per the FCRA, credit reporting agencies are required to respond with proof of validation and that has not happened.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have sent out numerous of letters dating all the way back to XXXX of 2020 to all 3 credit bureaus.informing them that accounts on my credit report are inaccurate and don't belong to me they have responded by saying the accounts have been verified so then i ask for proof that the accounts belong to me and i get no response and accounts still remain on the reports.

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 2021-03-07 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I sent a dispute letter out to the 3 credit reporting agencies on XX/XX/XXXX to have Barclays Bank Delaware removed off of credit reports. Account was open XX/XX/XXXX and shows closed on XX/XX/XXXX and charge off XX/XX/XXXX. extremely confused as to why this is still on credit report and reporting company has so many inaccuracies on my credit reports each month.

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 2021-03-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My car was stolen on XX/XX/XXXX, and in my car was my bank of america prepaid debit card. This card was compromised, and the remaining balance of XXXX $ or so was fraudulently depleted. Since XX/XX/XXXX or so I've been dealing with Bank of Americas claim team, and have been unable to regain access to my account. 

After filing my claim around XX/XX/XXXX, and receiving the new prepaid card Bank of America/EDD has placed a hold on my account. They both claim that they haven't made any action against my account, but I have been told to wait and wait and eventually my account will be reopened and I'll be able to utilize the funds that were remaining, and hopefully the funds that were fraudulently used. I desperately need these funds as my EDD income is my only source of income currently.

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 2021-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2021 my Amazon credit card account managed by synchrony bank, closed my account due to my 2nd returned payment. This returned payment was in result of not being able to deposit my money on time for the payment I arranged, I usually make it on time, but this wasn't the case when my community was struck by the natural disaster Texas suffered during XXXX. In addition, the frozen roads prevented me from making my usual income to support my all my expenses.

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