vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: DE

Complaint narrative:
These accounts are reporting inaccurate information on my credit reports, I've tried to speak with the creditors and disputed with the credit bureaus to no avail. Can you please assist me in getting these inaccurately reporting accounts removed from my credit reports. Credit reports are required to be certifiably compliant with the Metro 2 standard of reporting any deficiency in reporting nullifies the reporting privilege and those deficient accounts are required to be removed. 

The following accounts are reporting inaccurately, please remove them immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I keep receiving multiple text messages on a wireless mobile hotspot what has an assigned telephone number from XXXX from an automobile lender. I have called them multiple times to tell them that I do not have a loan with them, have never had a loan with them, that the device they keep sending text messages to is not a phone, but a mobile hot spot ( MiFi ) and they are annoying me by sending delinquent notices to me when I am not their customer, and have never been their customer.

The company involved is American Credit Acceptance ( part of XXXX  XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
I seen a collections on my credit report that I did not recognize. I disputed this debt and asked for proof of service. XXXX months went by without anything about the debt. Then all of a sudden I was getting served on XX/XX/XXXX. I filled my answer worth the courts stating I did not know what this debt was and wanted proof of service. It took them tell XXXX to send a response. I am sure so they could add on three months of interest and charges. However, this medical debt I was made to believe was paid in full. My daughter was double insured. Even on the papers from the Dr office it is clear even after fighting with them that they only billed one insurence. I never received anything from the Drs office. No calls or letters from the collection agency so I had a chance to pay it. There was zero correspondence. So in court I offered to make payments without a judgement. I was just going to resubmit everything to my insurence after all this. But this collection agency wouldn't go down at all and also when I said fine I'll make payments it wasn't good enough for them because they want to put a judgement on my name. So I called on XX/XX/XXXX to just do a settlement amount and they wouldn't even work with me on that. Offering a cash payment of XXXX and was turned down. They are unreasonable to work with. My pro bono lawyer stated the same thing. This whole bill is unfair. It was right during covid which is why im assuming I had no letters or calls to try to take care of it. And then when businesses opened back up instead of giving people a chance they just pile on tons of charges as take you to court. It is absolutely unjust and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Make a purchase of XXXX a little bit over 2 years ago. Back in XXXX or XXXX of XXXX. Was inform by the seller that we can finance and if we can not paid it off in too years there's going to be charge interest fee. I look at the bill and realized that in XXXX or possibly XXXX of XXXX i 2as hit with XXXX in interest. We did make payment and was making payment through the pandemic. I did not know they were going to charge interest on the 2 years all at once if we can not paid off after 2 years and at such high interest rate. The company refuse to lower the rate or provide any extension to pay the balance even with the hardship due to the pandemic. If I know I was going to be charge that way I would have never go for that option because regardless of the time I would think of worse case scenario like what if I can not make the payment.

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 monetary relief
Consumer complaint received 2021-08-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. I demand that 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. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
someone stolen my identity to obtain credit cards fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : Equifax : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: FL

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA will not allow me to cancel future automatic transactions. I see the button to cancel on the mobile app but I can not select it. The website does not show any automatic transactions. I called twice early to resolve but no one called me back. I called again and ask to speak to an executive resolution team member. All they did was apologize. 

Additionally, I can still see and edit my wife 's account information even though I was told this wasn't an option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: STATE EMPLOYEES CREDIT UNION
State: SC

Complaint narrative:
I got a salary advance loan from The state employees credit union in XXXX North Carolina in XXXX being that I paid my old balance off from XXXX so they say. They are still reporting that I owe them {$140.00} but in XXXX I receive more than one advance which was paid in full every time they will not give you another loan if you owe them money. When I reached out to someone today at the bank he told me that he would direct me to XXXX the district manager of the bank but he never called me so I spoke to XXXX and emailed him to let him know whats going on he called me back saying that My loans were {$300.00} but that was incorrect my loans were only XXXX $ The bank took {$20.00} of the XXXX witch left me with {$180.00} I dont know where he got the extra XXXX $ from I feel that they are trying to scam me out of more money and I need someone else to look at this before I pay anything because they making my credit look bad on purpose and they know it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I already filed a complaint with CFPB on XX/XX/21 regarding inaccurate information on my credit report from Bank of America HELOC. The initial complaint stated I made a payment for {$1000.00} in XXXX and that payment was never withdrawn from my bank of account, never recorded as being paid by B of A, and a 30 day late payment was reported on my credit. Since this complaint was filed, I received an email on XX/XX/21 from XXXX XXXX, a resolution specialist at Bank of America Enterprise Resolution. The email stated I needed to respond to her email by XX/XX/21 to confirm I had made the complaint. I emailed her a response on XX/XX/21 or XX/XX/21 and on XX/XX/21. I also called and left a voicemail on XX/XX/21 and XX/XX/21 at the extension listed in her email, XXXX, and was connected to a voicemail inbox of XXXX. I have not heard back from her after I have made this several attempts to contact her to confirm my 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 2021-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Complete in XX/XX/XXXX I asked for trans union or XXXX  XXXX XXXX to review the obvious error being the Open date Of a loan starting 16 months before the bank ever started to show payments. Every account I had with them they manipulated by showing I paid them off before a year even though thats impossible as I have proof of what I paid monthly so by them doing that they are hurting my credit beyond bad because none of those perfect payment loans are showing to my report correctly. I see how I lose but not sure how they win by doing it but its clear as day in the closed accounts section. Look at open and closed dates.

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 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I, as a consumer, did not receive the service that was promised or described by the Coinbase , Inc . I tracked the downstream wallet, which was reported several times for fraud, and Coinbase ignored the problems and didn't do anything to investigate or close the fraud wallet. Instead, Coinbase locked my account without any explanation. Coinbase has a big loophole that makes easy for the scammer to do money laundering and allows scam sites to steal my money to their platform. Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening. Therefore, the fraud transaction should be investigated and refunded from Coinbase. I was not knowing the scam was happening so the transaction was not authorized. There is no alert from the bank systems that scammers ' bank accounts have problems. There is no alert from the bank I transferred from with such huge amounts to a stranger 's bank account. 

I met two guys from a dating app that convinced me that using Coinbase would be a great way for buying cyrptocurrency. I trusted their judgement, which led to me being scammed through the Coinbase platform. Attached is the timeline with the scammer 's name. 

Timeline : XX/XX/XXXX Downloaded Coin base XX/XX/XXXX Downloaded XXXX XXXX ( Linked to XXXX XXXX ) XXXX ETH purchased {$1900.00} using XXXX XXXX XXXX  Transfer. ( Coinbase fee XXXX ) ( Scammer-XXXX  ) Sent XXXX ETH to fraudulent Wallet ( XXXX ) XX/XX/XXXX XXXX ETH purchased {$1000.00} using XXXX transfer. ( Coinbase fee {$38.00} ) ; ( Scammer-XXXX  ) Sent XXXX ETH to fraudulent Wallet ( XXXX ) XX/XX/XXXX Wire Transfer {$50000.00} from XXXX  XXXX to XXXX XXXX  XXXX ETH purchased {$50000.00} ( Coinbase fee {$730.00} ) from wire transfer ( Scammer-XXXX  ) '' Sent XXXX ETH ( {$50000.00} ) to fraudulent Wallet ( XXXX ) '' XXXX ETH purchased {$51000.00} from Wire Transfer via XXXX XXXX. ( Coinbase Fee {$760.00} ). 
( Scammer-XXXX  ) XXXX ETH sent to fraudulent wallet ( XXXX ). 
XX/XX/XXXX XXXX ETH purchased {$5000.00} from XXXX XXXX XXXX  Transfer. ( Coinbase fee {$73.00} ). 
XX/XX/XXXX Wire Transfer {$10000.00} from XXXX  XXXX to Coinbase 's bank XXXX XXXX XXXX  XXXX ETH purchased {$9900.00}. ( Coinbase fee {$140.00} ). 
XXXX XXXX XXXX XXXX XXXX ETH to fraudulent wallet ( XXXX ). 
XXXX ETH purchased {$5000.00} using XXXX XXXX XXXX  Transfer. ( Coinbase fee {$73.00} ).

XX/XX/XXXX Created Case with Coinbase Support Case # XXXX Withdraw from fraudulent website unsuccessful from XXXX XXXX. 
No updates from Coinbase since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Problem is with Wells Fargo. 

My identity was stolen and four ATM withdrawls were made ( all withdrawls were made on Saturday, XX/XX/2021 in the following amounts {$200.00}, {$800.00}, {$700.00} and {$300.00} from two seperate locations ) Once I saw these transaction pending I called Wells Fargo and explanined these transactions were not made by me. The accounts affected were frozen immediately on Sun. XX/XX/2021. I called the next day to have both checking accounts closed, spoke with the Fraud Department to file a claim. 

By XX/XX/2021, Wells Fargo sent me two letters. My checking account that was pending an online transfer to my other checking account was resolved. Wells Fargo approved my claim for an fradualent onlinetransfer and I was not liable for that transaction and returned my funds to the appropriate new checking account set up.

Second letter denied my claim in regards to the four transaction of ATM withdrawals that took place was denied. It was indicated in the letter " Based on the information available to us, and because the transaction were made using your card and Personal Identification Number ( PIN ), we found it was made by you or someone who had your permission ''. 

First, my ATM Card never left me the entire time. Second as I explained in my initial claim, I was never in the area where the ATM Withdrawals happened. No one from Wells Fargo Claims Deparment contacted me in regards to thses claims. On Mon. XX/XX/2021 I spoke with someone in the claims department to see if they can open my claim. It was escalated to the Executive Team to reopen my claim. At this time I made two more calls to speak with the Claim Case Worker " XXXX '' and each time I was told he was not available to speak with me and a decidsion would be made in 10 business days. I requested XXXX to call me to discuss my claim to clarify that my ATM Card never left my possission, nor I approved any ATM Withdrawals. " XXXX '' finally call me back to indicate that the claim was closed yet again and either I made the withdrawals or someone else did. Again I explained the withdrawals were not made by me, my card never left my possession. Then I told him that someone must have duplicated my card, he stated that was impossible. So I asked him, how were these withdrawals made? In my 23 years with Wells Fargo, I never made any ATM withdrawls in those amounts and why were these not flagged as a security breach? Why should my ATM Fruad be treated any differently than my Online Fraud, which the Online Claims Department approved my claim and indicated as Fruad. At this point " XXXX '' indicated he could do no more and the case was closed.

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 monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This complaint is regarding XXXX XXXX 's ASHLEY FURNITURE XXXX / SYNCB account ending XXXX. 
On XX/XX/2021 around XXXX PST. I called ASHLEY FURNITURE XXXX / SYNCB customer service due an unexpected balance of {$40.00} late fee appeared in my account posted since XX/XX/2021 I wasn't expecting this since I already made the payment on my account for amount of {$87.00} on XX/XX/2021 & another {$87.00} onXX/XX/2021. I was expecting that my account will be up to date. I have ask the CSR to help me out to waive the fee of {$40.00} but declined to do so. The account representative told me that he can not waive the fee and has no means of information or access to waive it. 
I then asked to be transferred to the account manager who I believe has more access to grant my request. However, the CSR told me that the manager will say the same thing and can not anymore help me out to waive the late fee of {$40.00}. 
Wow, really, seriously, for {$40.00}? As a long time customer who is asking for your help to waive this fee has been strongly denied to be help out. I have been patiently paying my debt in ASHLEY FURNITURE XXXX / SYNCB even though the I find the minimum charge on this account is so high compared to other minimum monthly payment that other credit card company is asking and aside from that, synchrony bank has been changing their minimum monthly payment amount without a notice. I mean, there should be at least a written notice from ASHLEY FURNITURE XXXX / SYNCB that consumer will expect this kind of amount to be the minimum charge on the upcoming month and so forth. 
Is this one of your scheme not to inform your customer that your monthly minimum charge will go up so that you can just boom charge us with late fee? 
I mean I've seen it fluctuates. 
I will not pay that {$40.00} extra, because i know I made the payment on time, it's just that ASHLEY FURNITURE XXXX / SYNCB changed the min. monthly charge and make it higher than I used to pay. 
All I ask is this should be settled so I can be back in my normal life. This amount of {$40.00} late fee has to be waived. 
This issue has been stressing me out and should be waive for the sake of helping out your customer. ASHLEY FURNITURE XXXX / SYNCB should extend their hands to be more considerate and don't push their costumer to pay more and more.

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 monetary relief
Consumer complaint received 2021-08-27 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I have advised Sequium Asst Solutions to stop calling my persona they haven't, I have informed them that i don't give a consent for them to record a phone call they placed into my phone line and they refuse. I was told by their representatives that I am 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 2021-08-27 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: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL

Complaint narrative:
As of XX/XX/2021, FIRST INVESTORS SERVICING CORPORATION is reporting a balance on auto loan of {$17000.00} but when I login to my online account it's show a payoff balance {$16000.00}. But this is not reflected in XXXX, XXXX  and XXXX  respectfully this improper reporting has caused my credit scores to a continuous downward spiral over over ( 7 ) months period. FIRST INVESTORS SERVICING CORPORATION also note in their reporting upwards and downwards trends in balance in my account these varations cause my score to flucation constantly. FIRST INVESTORS SERVICING CORPORATION also add or remove mark in their reporting to the credit bureaus again having effect on how points added or subtracted on each report. This practice by FIRST INVESTORS SERVICING CORPORATION show how this practice show how spread behavior on the part of their improper reporting trends. Over the last several months by score has dropped between 70-80 points due to FIRST INVESTORS SERVICING CORPORATION REPORTING TACTICS.When I spoke with the credit department about this matter I was informed this matter should be taken up with the ( 30 major creditors bureaus, again they knew nothing about the remarks on my credit report. This matter needs to investigated and FIRST INVESTORS SERVICING CORPORATION needs to be held accountable for this improper tactics.

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