vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Lending Club Corp
State: WA

Complaint narrative:
I am an investor with Lending Club and have been for 7 years. I want to withdraw the bulk of my investment ( {$3000.00} ) and transfer it into my checking account which is the original account that funded my investment however when I tried to do so on XX/XX/2021 I received an error message. Since that date I have called and sent Lending Club emails at least eight times and each time I get emails back saying my bank account is now attached. When I called to say it wasnt I was told I had to do it manually because 7 years was too long to keep my bank account active. Now every time I call and while on hold I get an email saying my bank account is attached but I still am getting the error message. Yesterday I left a voice message which hasnt been returned and sent an email stating that I was getting ready to file a complaint with the FTC but that also wasnt returned. I am beyond frustrated and do not know what to do. Can you help? 

I have emails that state when I started this process and several that state my bank account is attached but its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp
State: ME

Complaint narrative:
I applied for and was approved for a Lending Club debt consolidation loan, which was funded on XX/XX/2021. There were two creditors that were supposed to be paid off as a result of my Lending Club loan, XXXX XXXX XXXX  and Proper Funding. The XXXX XXXX debt was paid off promptly. The XXXX XXXX loan remains unpaid almost a month later. While I understand that the actual PROBLEM with Proper Funding not getting the payment may not be Lending Club 's fault per say, Lending Club has continued to refuse to remedy the situation by stone walling me when I contact them or offering different explanations or by giving me additional periods to continue to wait for Prosper Funding to receive a payment that has been pending now for almost a full calendar month.

Lending Club COULD have chosen to stop payment on the check, and deposited the funds directly to me so that I could pay the creditor, but instead I get a literal song and dance. I keep getting told I need to wait an additional length of time, even though I was initially told that once 14 business days had passed that I could open a process with them and that within 24-48 hours thereafter the problem would be addressed in the manner I spelled out above ( not the case at all I have found ). 
The bottom line here is that I am now being charged interest on a loan, and about to make my first payment on that loan, while at the same time I am being denied the RIGHT TO RECIEVE MY LOAN PROCEEDS OR TO HAVE THEM APPLIED TO MY SELECTED CREDITOR AS SET OUT IN OUR INITIAL LOAN AGREEMENT. 
This is clearly an intolerable situation which has begun to cause me personal financial harm. Lending Club needs to do the right thing and fix the problem immediately, it doesn't matter why it has happened, it just needs to be fixed. 
I would have preferred that Lending Club taken the initiative and done the right thing without me having to complain or having to be prodded to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: DC

Complaint narrative:
XXXX, XXXX, mortage company made unauthorized payment to DC Tax Authority. XX/XX/XXXX, I forwarded via text and email, the letter I received from the tax authority defering my payments to XXXX. They acknowledged receipt and did not forward payment in XXXX of XXXX. However, in XXXX of XXXX, they did not adhere to the Deferral and paid the tax.

I have tried since then, every way available, phone conversation ( s ), email, text, use of their internal database, to give the instructions as to how to have those unauthorized taxes paid, returned to them. I phoned DC Tax Authority to seek instructions as to how to retrieve their unauthorized payment, they gave them to me, and I forwarded it to XXXX. Apparently, they have chosen not to follow instructions. 

Everytime I call them to try and resolve this problem, they seemed to understand the situation, and I was told it was researched and being processed. 

I receive " robo '' calls, since XX/XX/XXXX, and to this day, at a minimum of once a day, and as much as three ( 3 ) time a day harrashing me about a simple matter they have been instructed on how to resolve. 

During the last conversation I had with their representative in their Personal Property Tax Division, ( which should be recorded, as well as all the other calls ) I told her of my fear that XXXX would take the actions, that they have since taken, and posted something with the Credit Reporting Agencies, since it has taken them so long to resolve their problem, and make it mine. She informed me that that would never happen because this was not an issue of a late or non-payment of mortgage, and could not be reported as such by XXXX. 

They have reported me late on my XXXX mortgage and I was 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 non-monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
My XXXX was hacked through the Coinbase App. I had over {$7000.00} on my Bitcoins account and unfortunately they transferred them somewhere else. Coinbase never told me until now what they are going to do.

They tried again yesterday and swap my new SIM card. 

I need your help please in order to recover my {$7000.00} plus Bitcoins that I had through Coinbase. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
On or about XX/XX/2021, I sent an email to Credit Corp Solutions asking them to : a ) cease and desist with any further phone calls and, b ) to provide verification of any alleged debt, I provided them with my mailing address through the end of XXXX, 2021. Since that time, they call at least three times a day from various numbers, purportedly local to XXXX. On Monday, I answered one call and the person on the other end insisted on getting me to divulge personally identifying information. When I refused, she told me they would continue calling. I received another phone call today, XX/XX/2021 at or about XXXX, CT. I should not have to make repeated requests for them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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:
not mine ; FCRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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:
I have contacted Equifax multiple times, the most recent being XX/XX/2021 about inaccurate, erroneous, and highly injurious accounts being reported by their company. I have not received any response or resolution on the matter for over 30 days after it has been confirmed that they have received my dispute. I have records and receipts of every time I have contacted Equifax and they have violated several clauses within the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: ND

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached my identification documents for reference. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: GA

Complaint narrative:
Hello and Grand Day. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. In addition, it is very difficult trying to obtain a suitable financial lifestyle for my XXXX children and I. Not only have I been denied apartments and homes, I'm also unable to obtain basic checking accounts at any financial institution, also considering that I am a current student it is highly unfair. Please delete the items as soon as possible with urgency. 
Thank in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: FL

Complaint narrative:
I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies XXXX, TransUnion, and XXXX  pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. Experian shows paid when looking at the account status, Transunion shows that it is closed and XXXX  shows paid. To me, it does not seem to THAT XXXX TransUnion nor XXXX verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.

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 2021-05-27 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: FL

Complaint narrative:
I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies XXXX, XXXX, and Equifax pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. XXXX  shows paid when looking at the account status, XXXX  shows that it is closed and Equifax shows paid. To me, it does not seem to THAT XXXX  XXXX  nor Equifax verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: FL

Complaint narrative:
I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies Experian, XXXX, and XXXX  pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. Experian shows paid when looking at the account status, Transunion shows that it is closed and XXXX  shows paid. To me, it does not seem to THAT Experian XXXX nor XXXX  verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.

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 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BHA Services
State: PA

Complaint narrative:
This company is calling me, my family members, and in-laws in regards to a debt that I dont believe I have. They only use my maiden name, and Ive been married almost 20 years and have used my married name since. Ive recently had my identity stolen by ppl who opened checking accounts in my maiden name. I do not know if this group is even a legitimate company, because it sounds very much like a scam. I do not know how they have family members names and numbers, but I know I was a part of a data breach for XXXX. They may have gotten these records from my emergency contacts. My social security number was compromised in at least one data breach, because one of the banks stated that it was used when opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: ND

Complaint narrative:
XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached my identification documents for reference. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

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 2021-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
In XX/XX/2019 I had the unfortunate circumstance of requesting an online payday loan with a company named Loan at Last. At first I borrowed a {$300.00} loan, and once it was paid off, borrowed a smaller {$200.00} loan, and once that was paid off, borrowed a {$600.00} loan. I paid it off quickly but realized I needed to reborrow the {$600.00} amount. This was late December 2019. I made 3 payments as per my loan agreement of {$97.00} until I could no longer afford to do so after losing employment due to the COVID-19 pandemic along with millions of other individuals. Company restructured my loan and lowered the interest rate to 244 %. The initial interest rate was over 600 %, a similar rate to the previous 3 loans I had with the company. The remaining balance was {$570.00}, and nearly a year later I still have not managed to pay the balance off. Company has stated mutually agreeable solution was reached. This is inaccurate. I have requested the remaining balance of {$250.00} be forgiven multiple times to no avail. I have all my bank transaction records to prove the hundreds of dollars I have paid in interest. I contest the remaining balance of {$250.00} and am in complete disgust that they are allowed to operate legally. I have spent almost {$900.00} on the interest payments alone, not including the actual principal loan amounts, paying off my loans with this company since becoming a customer in 2019. I have thoroughly read all of the loan agreements. I know that some representative will write a response to this complaint justifying their actions. There is no justification. It is extremely unethical and predatory to charge 600 % interest. They are trapping consumers in an endless debt trap from which there is no way out, and they are fully aware of this. Claiming these are high risk loans to consumers with poor credit is their excuse, and I hope the day finally comes when lenders of this type will be prosecuted and put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I had my tax refund and my stimulus check deposited on an American Express Serve card. I contacted the IRS and they verified the amount, date and account number that the money was deposited in. 
I followed their instructions on how to access the funds and no luck. There is no customer service help. I sent them a certified letter with everything documented and I still have heard nothing. 
We are talking about over {$2200.00}. For someone on XXXX thats a lot of money. Im disgusted with American Express and hope you can help. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is still reporting me a collection account that I have already settled and have proof of a " Deletion Letter '' directly from the collection agency. Please see the attached document as proof. Equifax is the only bureau that is not doing their due diligence in reporting accurate information. This collection account needs to be deleted asap from my credit!

Company response to consumer: Closed with explanation