vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 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: NY

Complaint narrative:
inaccurate information FCRA VIOLATION - see attachments wrong name, address, phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILY ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX XXXX XXXX  XXXX Employment Inaccurate Use this reason if this is not your employer. 

XXXX Employment Inaccurate Use this reason if this is not your employer. 

remove XXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account PAYMENTS NEVER LATE - BELOW XXXX XXXX, XXXX. 
Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase App allowed me to go in and buy XXXX  currency like XXXX. I purchased assets over time and accumulated over {$5000.00} in assets. When I finally wanted to take the money out of the app as soon as I converted the assets to USD/Cash I was immediately locked out of my account. 

Coinbase the company has no phone number and of all the XXXX 's of emails I have sent I do not get a response or any help in resolving this problem. 

I need to get this money back for my son and my family. 

The more I read about this company the more I can see this is a common problem and lot of other people have the same problem. 

No response from Coinbase because they are stealing my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INVESTORS BANK
State: NJ

Complaint narrative:
Hello, I am applied for refinance back in XX/XX/XXXX and it took them til XX/XX/XXXX to process my loan refinance application. During the last stage they failed to notice I am in forbearance since XX/XX/XXXX and I paid that amount back to the original lender. I provided the Investors bank many copies of paid off letter and they canceled my loan application because they are stating I failed to provide documents. They have never requested these document prior to loan processing and it was always reported that I was in forbearance in the credit report. They have failed to recognize that In the report. I have spend so much time and money on the refinance. They are refusing to process the application because the rates went up and they will lose money because I was locked in at lowest rate back in XXXX. 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
i wanted to just add this complaint # XXXX but I couldn't find a way to do it. Capital One closed my XXXX rewards card because they learned I had a criminal record. I already stated before that I think they should have to ask before giving credit or at least have a disclaimer that if certain things are in your record, they will close the account. I mentioned that I thought it was against Ohio law as stated in their paperwork for this very card. Ohio 's anti-discrimination laws say they must provide credit equally to ALL credit worthy persons. My scores are near 800 so I think I'm credit worthy and they must have agreed because they issued a card. Under their " Additional Disclosures and Term and Conditions, '' there is not one thing there that prohibits me. This is their own paperwork for this very card! I would agree that I can do things after a card is issued that would make me less credit worthy ( missing payments, running up high debt, etc ). None of that happened. Can they point to a single payment I missed? Can they point to a rising credit utilization rate? Can they even tell me how my background supposedly makes me less credit worthy? Since I've been released from prison, my credit score has only risen. Everything I did that they have a problem with happened before they issued the card. The more I look into it, however, I think even a Federal law was broken here. According to the Fair Credit Reporting Act, if they want to background check me, it requires a written authorization. Can they show me where I signed such an authorization? The whole thing was done online and I don't remember there being any mention of signing for a background check. Their paper work does say that I authorize Capital One to check my credit and employment history. I have good credit and I am employed, but I did not give consent to check my background. They never asked for it! The FCRA requires my signature for you to run it. No signature, no right according to federal law to run that check! Show me where I signed for that and show me where you're allowed to do that without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: MA

Complaint narrative:
I noticed that my credit score took a XXXX point hit. I called XXXX and they said that it was put on by PDM debt mediation. I do not know who PDM is or why they are trying to collect a debt. I have received no information, notifications, or correspondence from them. I believe this is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CA

Complaint narrative:
There are XXXX accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX, XXXX. - Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$3900.00}

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 2021-04-07 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: CA

Complaint narrative:
There are XXXX accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX, XXXX. - Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have made deposits to my checking and savings accounts on 2 different occasions..the ATM accepted my funds but the amount into my account was short by {$1800.00} each time fir a total of {$3600.00}. The NFCU gave provisional credit and then took it back. This has been going on since XXXX fir one transaction & XXXX for the other. I have my ATM receipts & have called gone to the bank and submitted disputes and Navy Federal Credit Union has not resolved my issues. I am still {$3600.00} short in total for the 2 deposits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: AL

Complaint narrative:
Yes I got in contact with Equifax on XXXX the XXXX 2021 about fraudulent information on my credit report the person that I spoke with in the fraud department stated that I should file a FTC report so Im uploading the documents to Cfpb so Equifax can see that I did it so they can remove all the fraudulent accounts thats on my credit report I also spoke with them about the unauthorized hard inquiries that was on my report that I didnt authorize and they told me to write a affidavit of fraud stating that I am a victim of fraud and they told me to get it notarized so I did that now I Will like to get this horrible situation taken care of which is getting these items remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not receive a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), is plainly stated a that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: CA

Complaint narrative:
There are three accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX XXXX. - Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$3900.00}

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 2021-04-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Good afternoon. My name is XXXX XXXX and Im writing today in hopes that someone can help me with an issue Im having with credit reporting on my Experian account. I checked my account and noticed a bunch of inquiries ( Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX MO XXXX of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX ) I did NOT authorize. So my first move was to attempt to contact some of these companies, NONE of which were willing to work with me due to the fact I didnt have an account with them. I then proceeded to dispute by mail to Experian. Once they received the disputes, an email was sent to me stating theyve come to a conclusion. The email didnt contain the results to the dispute so I called. The representative I spoke with FLAT OUT told me they were not allowed to dispute them while leaving a vague reason as to why. I asked him about the verification of them as well and he refused to provide anything. As a 609 right I demanded he provide me with the information pertaining to verification and her refused. He then proceeded to transfer me to the identity theft dept before the call abruptly ended. I would love it if someone could please look into this. Im trying to get a house and these things are really a hindrance to that. Experian refused to help me Im hoping you all chose a different path. I would appreciate that dearly. 

Sincerely, 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 2021-04-07 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: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I recently refinanced my home mortgage through Amerisave Mortgage. During the closing process, they required that part of my new loan would include the amount of {$10000.00} to pay-off of one of my student loans through a company called " XXXX. '' I tried to explain to them that all of my student loans were in the process of being transferred from Cornerstone to a new loan provider called " XXXX XXXX ''. Despite multiple attempts to alert them of this issue, they incorrectly made the final check payable to " XXXX and XXXX XXXX. XXXX. '' At this point, I can't do anything with this check and Amerisave won't issue a new check to the correct payee. 

Here 's a timeline of events : XX/XX/XXXX : Began Refinance Process with Amerisave XX/XX/XXXX : XXXXmerisave Requested Information about Cornerstone Student Loans XX/XX/XXXX : I alerted Amerisave that my student loans were being transferred from XXXX to XXXX XXXX and I provided documentation to support it. 
XX/XX/XXXX : Refinance Loan Closed XX/XX/XXXX : Disbursement check issued to incorrect Payee ( Cornerstone ) XX/XX/XXXX No resolution from Amerisave despite numerous attempts to contact.

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 2021-04-07 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: CA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I purchased a vehicle in XX/XX/XXXX I made first payment in XXXX Im trying to refinance as it it showing I still own the full amount of the loan. I called the lien holder who told me that in order for just 14 % which is the interest applied to the interest I would have to call each time and give verbal consent and will only be done that way as long as I request that or they will apply as much as they want to interest and anything left over to principal the lien holder never advised me I had to do that and I believe purposely kept that information from me in a predatory fashion Effective Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Principal Balance {$32000.00} {$32000.00} {$32000.00} {$32000.00} {$32000.00} Payment Amount {$32000.00} ( {$680.00} ) ( {$680.00} ) ( {$680.00} ) ( {$680.00} ) Principal Adjustment {$32000.00} {$0.00} ( {$270.00} ) ( {$150.00} ) ( {$360.00} ) Interest Adjustment {$0.00} ( {$680.00} ) ( {$410.00} ) ( {$520.00} ) ( {$320.00} ) Interest Balance {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Interest Calculated {$0.00} {$680.00} {$410.00} {$520.00} {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One reported " XXXX  day late '' payments for XXXX XXXX but they were the wrong amount due to a simple error. Automatic payments were set-up by me for a fixed amount XXXX $ XXXX XXXX instead of the minimum payment due ( {$65.00}. ) I did this to avoid EVER being late on a payment. As my balance increased, the fixed amount became too little. Because of my error, my payment wasn't enough to cover the minimum payment but I NEVER missed a payment and was NEVER late with the payments that I made on my account. Capital One never notified me of this deficiency in my automatic payments which would have been easy to fix had I known at the time. They never advised me that the payments I was making would show as late on my credit report. Instead of calling me or sending a letter, they were more than happy to continue adding a {$35.00} late charge every month, making my balance climb even more. Every other payment that Ive ever made to Capital One and all my creditors has been timely because this is very important to me. This was almost XXXX years ago and they refuse to remove the " late '' payments WHICH WERE NEVER LATE off of my credit report. I continue to suffer paying higher interest rates for credit because of this misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/2021 I applied for a Neiman Marcus credit card by capital one back application ID # XXXX a 2 weeks later I received there response which was ambiguous and is in violation of the FCRA which states any time a consumer is denied the company must give or point out reasons to which why credit was denied. My credit score is XXXX and I did not have then or now any derogatory information are charge-offs on my credit report when I applied for this account. I've called this company several times trying to get a reasoning to why I was not approved, was told by Neiman Marcus new account manager XXXX # XXXX it was due to credit reason off your report, that was all she can say. First of all I believe that this company has deliberately and maliciously discriminated against me because I am XXXX and XXXX, and based on my credit worthiness there's no reason way I was denied, they couldn't even give me the reason why I was denied

Company response to consumer: Closed with explanation