vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Out of all the three Credit Bureau Equifax continues to report incorrect information on my credit report and lowers my credit score by 100 points from the other reporting bureau. 
Example as of XX/XX/2021 I had a credit score of XXXX and 8 months later that have drop my credit score down to a XXXX. 
I have excellent payment history with all of my active creditors with no late Payments. I have dispute several times accounts thats does not belong to me or should not be on my credit report. They have on my account address and states on my account that I have never lived at in my life. They also us a thirty party company by the name of XXXX XXXX to verify and report information on your credit report. 
Neither of these company actually verify your dispute by contacting the creditor by phone or email and have a full name, Position title and date time they spoke with someone to verify the dispute. They use a computer data base to determine if the debit belongs to you. They report wrong balances and late payments and old accounts that should be on your credit report. 
Equifax has had their data hacked by hackers and stole personal information which means their data base is not protected by the black-web and hackers. With the country highest crime on the web-site with hackers Equifax is not a creditable reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/XXXX received a debt of payment notice from credit control corporation. This bill stemmed from my recently submitted complaint from XXXX XXXX. I just submitted a consumer report to XXXX. I work with XXXX hospital and I had a medical bill. XXXX harassed me the whole time I was paying an active account that was never never not paid on time. This company harassed me for several months and currently the medical bill was paid. That is why the first complaint has been submitted. This company needs to stop all interventions to collect a debt that does not exist. I want my credit consumer report fixed immediately or there will be another complaint against them. This company needs to take the business time to ensure of what kind of debt they're trying to collect before pursuing it. Both companies need to go back to business basics 101.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Coinbase Support XXXX - Error on APP. I opened a case with Coinbase and did not get any helpful response or help with my issues. 
I wanted to buy only {$150.00} on Coinbase for a coin. I log into app and make purchase. When I hit buy/purchase, the app showed a network connection error screen with widgets. I thought the transaction was not completed as I did not get a confirmation on the app or see any coin in my wallet. I tried to buy again same error. So, I tried 6 times total and error every time. Later I checked my email and see I bought the coin 6 times for {$150.00}. I reached out to Coinbase and tried to get the transaction reversed. They said they could not do that. Coinbase also told me I could sell the coins and try to recovery my money. I was charged {$2.00} fee per transaction to buy. Now they want to charge me $ XXXX fee to sell. In addition I had was also hit with overdraw fees on m y checking account and had to move money to cover. The money from Coinbase takes 3 days to return to my bank account unless I pay a higher fee to move the money back. Coinbase was very unresponsive and kept offer ing generic canned responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Good Morning, I have had my vehicle loan with TD bank for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to Td Bank stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have been a USAA member since XXXX back in the winter of XXXX my identity was stolen and someone accessed my usaa account and figured out how to transfer money from an account that was attached to my usaa account however the money wasnt in the account that whomever tried to transfer it from so it caused several overdrafts in both accounts and ended up causing usaa to no longer do business with me which was extremely dissappointing. However i didnt authorize any of the transfers so id like usaa to allow me to use there services again and also credit my account for any overdrafts that may have been caused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS has made it too difficult to apply for a forbearance. I have to login into my account and it keeps giving the same security questions. I wouldve called but last time I called them they lied to me about cancelling my sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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 UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 in the evening I received a Cash app debit card in the mail that I did not sign up for. I tried to contact Cash App but they were not available as it was in the evening. I called on XX/XX/2021 and spoke to someone named XXXX. He sent me a link to upload images of the card and stated he would use this information to disable it ( or forward it to someone who would review and do so ). I immediately forwarded the information and have never heard back. I emailed XX/XX/2021 to follow up and did not hear anything. On XX/XX/2021 I received a follow up email asking for a lot of information I would have been happy to provide earlier but was instead asked to submit pictures. I have responded to the email but I feel they make it incredibly difficult to contact them and take a very long time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: FL

Complaint narrative:
Good Morning, I have had my vehicle loan with XXXX XXXX for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to XXXX XXXX stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance

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 2021-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Morning, I have had my vehicle loan with XXXX XXXX for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to XXXX XXXX stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good Morning, I have had my vehicle loan with XXXX XXXX for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to XXXX XXXX stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance

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 2021-10-31 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
J.P Chase Bank are still reporting on a closed account after more then 180 past day... 
They are trying to keep generating interest and charges fees... 
They told me they would charge this account off and they still not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc.
State: FL

Complaint narrative:
Received letter stating debt owed and in collection with a threat of if payment is not made immediately debt collection process will proceed. 

Confirmed with my bank per supposed account and debt, they have confirmed no such account # or any amount is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XX/XX/XXXX, I received a credit card from JP Morgan Chase which I did not apply for. I immediately contacted Chase and cancelled the credit card. I was advised the application was applied for on XX/XX/XXXX. I was instructed by their security team to place a fraud alert/freeze on my credit with all three credit Bureaus which I have done, as well as, contacted my bank and major credit card companies. I also reported it to the Sheriffs Department in my county. I belong to a credit monitoring company which has initiated an investigation. I am having the credit bureaus remove the fraudulent credit card request from my credit report. To date, no fraud has been revealed. After I reviewed my credit report I noticed that someone has applied for pandemic unemployment in another State other than the one I reside in. On XX/XX/XXXX, I contacted that State 's Office of Unemployment to verify that no one has received monies using my identity. I was informed the request was deemed as fraudulent and no monies were dispersed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
All three credit bureaus continue to report inaccurate information, which a dispute letter has been sent certified receipt return. They continue to violate 15 USC 1681a ( 4 ) Consumer Right to Privacy, FDCPA 807 misleading False reporting. I have sent numerous of letters requesting method of validation and they continue to obscure the validation notice.

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 2021-10-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
All three credit bureaus continue to report inaccurate information, which a dispute letter has been sent certified receipt return. They continue to violate 15 USC 1681a ( 4 ) Consumer Right to Privacy, FDCPA 807 misleading False reporting. I have sent numerous of letters requesting method of validation and they continue to obscure the validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: NY

Complaint narrative:
I was less then 30 days late on payments. I have always paid it head, on time, or less then 30 days before next payment is do. I'm trying to keep my credit good and increase my score and show people I'm serious about rebuilding my credit after bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
While my loans were serviced by Navient, I decided to consolidate my loans as I was already working for a government agency. The consolidation of the loans included a XXXX XXXX XXXX and Navient failed to educate and provide information regarding the negative effects of the consolidation including the XXXX. Currently, 20 % of my income is used to calculate my repayments. I will like to separate the XXXX XXXX XXXX from the consolidation loan so I can qualify for all the repayments programs available and lower my payments. This is what Navient intentionally failed to warn me about. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX are still reporting on a closed account after more then 180 past day... 
They are trying to keep generating interest and charges fees... 
They told me they would charge this account off and they still not.

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 2021-10-31 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: NJ

Complaint narrative:
XXXX XXXX XXXX are still reporting on a closed account after more then 180 past day... 
They are trying to keep generating interest and charges fees... 
They told me they would charge this account off and they still not.

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 2021-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consolidated Information Services Solutions, LLC
State: DE

Complaint narrative:
I was about to begin a job on Monday XX/XX/XXXX, when they decided to end the opportunity before it began. According to this email : Hi XXXX, I hope you are well. I'm not in the office today. Apparently, Universal is now required to run credit checks on all employees. They stated they ran yours and it did not meet the requirements. I apologize. This was not a requirement we were made aware of. 

I'll be in touch with you tomorrow. 


XXXX XXXX | XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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 sent the following companies : transunion, and XXXX letters regarding inaccurate items on my credit report. I sent this letter on XX/XX/21 and I haven't received a response yet from either company in 60 days! I know that if the investigation isn't responded to in 30 days it should be deleted off my report but with Covid-19 into play the timeline is extended to 60 days but it has been 61 days and i still haven't received a response! I demand these be removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: LA

Complaint narrative:
Filed a dispute on a debit cart transaction on XX/XX/21 with PNC Bank for {$440.00}. 
Returned a mattress to XXXX 's furniture on XX/XX/21. {$440.00} XX/XX/21, PNC refused to credit my acct. 
XX/XX/21, spoke with XXXX from PNC Bank. Acct still not credited XX/XX/21 spoke with XXXX, then XXXX, acct still not credited XXXX, acct still not credited, XXXX 's still has mattress. 
XX/XX/21, no credit posted XX/XX/21 no credit posted XX/XX/21, claim closed, no credit poste, no explanation of reason??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent the following companies : XXXX, and experian letters regarding inaccurate items on my credit report. I sent this letter on XX/XX/21 and I haven't received a response yet from either company in 60 days! I know that if the investigation isn't responded to in 30 days it should be deleted off my report but with Covid-19 into play the timeline is extended to 60 days but it has been 61 days and i still haven't received a response! I demand these be removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation