vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: SC

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank Home Mortgage falsely claimed the payment on 2018 property taxes and increased my monthly mortgage payment from {$1300.00} to {$4300.00}. 
The research form by XXXX County Tax office shows that US Bank Home Mortgage did not pay for the above property taxes. 
This error needs to be corrected and my monthly mortgage payment must be recalculated accordingly.

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 2021-08-20 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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
Hello, I opened an account with Discover back in XXXX of XXXX. Several months later I was told that I needed to sign some paperwork. I called into the customer service center to let them know that I was out of the country working and would not be back for several months. They said that was fine and to just sign the paperwork when I got back. However before I returned home they canceled my account. I called in and they said that it was too late and that I could reapply if I wanted too. I decided it was not worth the effort. This was a secured card that I gave them {$500.00} to help rebuild credit. This was in XXXX of XXXX. I called in today to see when I would get my security deposit back. Please note that the account and charging privilege 's were canceled in XXXX. They informed me that it would take two 30 day billing cycles plus 7 business days. So, basically 67 days. This is ridiculous. How is that even possible. Not to mention they will be sending me a physical check and not putting it back in my account ( the way I had to make my security deposit ). I have never heard of such a thing. This is the way the treat people who are trying to do better in life. I need my money. How can it be legal to hold someone's money for that length of time????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
One of the Chase offers was : " Get {$50.00} back when making two separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$25.00} each. Valid in-store or online at XXXX XXXX XXXX or over the phone '' I ordered wireless products online at XXXX XXXX  XXXX. After I added this offer to my CHASE Southwest Credit card, I made my two purchases of {$26.00} each at XXXX XXXX XXXX online on XX/XX/XXXX. Still no {$50.00} credit. 
my account. Offer expired on XX/XX/XXXX, and I cant return my purchases back to XXXX XXXX XXXX. Chase denying payment. Please help me. Thanks in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX @ XXXX. I reached out to the company to inform that I had lost my job due to COVID-19 XX/XX/2021. I wanted to be proactive before my payments were late. I explained I had been doing XXXX XXXX  and XXXX  until I found another position and unfortunately had to max out my credit cards to stay afloat. I informed I had found a position but won't get my full paycheck until after XX/XX/XXXX and asked for the payment to be pushed to XXXX. The first representative was extremely rude and lacked empathy. She offered a repayment plan which would have cost me more interest instead of the extension. I have never been late on my payments even when I lost my job I still made sure my navy federal debit was taken care of but with my wife the only one working we are starting to lose footing and I turned for help but the representative treated me as I was asking for too much by skipping two months. I requested a supervisor so that I would not be rude which was a dead end as the supervisor hung up on me. When I called back he then refused my call stating he was in a meeting. The 2nd representative was a little more empathetic and gave me an extension until XX/XX/XXXX but that still doesn't help my situation just puts me in a more stressful one since every XXXX  I make will be put on the debt and I will be without money until the end of the month. This is not how I envisioned being a member and needing help. It was already a struggle to go from making XXXX per year for something out of your control to driving XXXX  and XXXX  just to stay afloat. And to be treated that way is disheartening when I wasn't in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX year of 2021 i received notice that a change to my credit score has been made from Equifax. I used the app i have to investigate the situation, upon clicking of Equifax I noticed a 70 pts drop in my credit. Giving that i have froze my credit there should be no reason why my credit dropped that low moreover the fact that it just increased 98 points back in XXXX. XXXX  XXXX XXXX has closed an account on my report which should not normally drop my credit score that much. I believe this an attempt to damage my credit score because of the investigations I have had in previous months. Accounts have closed before and none had a drop let alone a drop that low decreasing my score that much which is very impactful to my financial status. Why was the account closed without giving me proper notice about it being closed? Why did my credit score drop so much for an account closing? I want answers and i want my score returned to a good state immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit 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 2021-08-20 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This account was reported collection/charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due to balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: OH

Complaint narrative:
This account was reported collection/charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due to balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
A couple things. On XX/XX/XXXX I applied for preapproval on mortgage loan. On morning of XX/XX/XXXX my credit score was XXXX. Later that afternoon my score dropped by 17 points. Over the next 2 months I ended up weighing my options between 3 different lenders as I was told is good idea. Between the 3 lenders I had like 5 hard inquiries over these past 2 months and my credit score has dropped 54 point taking out of Good and putting me pretty far back down into fair that I fought so hard to get out of for years. 


Another thing that bothers me is because Experian kept me in low XXXX for years even though I was doing everything right I was only able to get a couple credit cards with {$300.00} and {$500.00} limits. So with such a low limit every time I used one my score would drop like 20 points for like 1 hotel room charge saying it showed me as having a high percentage usage even though its only {$250.00}. I would pay the cards off each week but would take a months for my score to climb again. So I ended up not using the cards at all but I couldnt get rid of them because I needed to have open accounts. To me the system has a major flaw in this regard. I make $ XXXX a year and make enough each week to pay all my debt done to XXXX but when I do charge a few XXXX dollars Experian drops my score like a rock and takes forever for it to climb. In my opinion the credit reporting agencies are a joke! But the problem is even though they are a joke things they do have a much greater effect on peoples lives then the things they do.

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 2021-08-20 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX I closed on a streamlined mortgage refinance with Lakeview with a representative, XXXX XXXX. After my closing, I received a call saying that the payoff for my original loan was shorted. XXXX did whatever needed to be done to get this resolved. When I signed the refinance documents, the note said that my first payment due was XX/XX/XXXX. After the payoff was shorted and that was resolved. I was told over the phone that my new payment was on XX/XX/XXXX. I emailed XXXX immediately and she confirmed and sent me a screenshot showing the new payment date. In the mail, I received my welcome letter from the loan servicing company XXXX XXXX, with my account number, servicing information and the first payment due on that letter also said XX/XX/XXXX. Even if I was supposed to make the payment on XXXX I would have never been able to because I had no access to do so until XXXX. In XXXX, I made my payment and noticed that the new due date did not change. I looked at the history of my payments and they reversed my payments to reflect a first payment was due on XX/XX/XXXX without even notifying me. I have called and emailed them for the last 4 months trying to get this resolved. Every representative Ispoke to said they will take care of it and nothing has been resolved. I called XXXX, XXXX had her boss reach out to someone and it was still not fixed. This is destroying my credit, I have accrued late feed and I've had enough. Please help me get this resolved and report them in whatever way you can.

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 2021-08-20 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: ARS National Services, Inc.
State: SC

Complaint narrative:
This company continues to call my place of employment. On XX/XX/2021 I sent them an email telling them they do not have permission to call me at work. 
I have left them messages when I call them back multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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:
Equifax has the worst customer service ever, they are very rude and do not follow the FCRA!! They lie and never investigate with real people they use automated service to handle investigation! A real human would see these accounts are inaccurate! I have call so many times for months with horrible service and I sent multiple letters snail mail for 6 months and they refuse to help me during this pandemic! They are the worst every with disputes because no human being actually looks at your letters they use a computer to verify. I feel betrayed and discriminated by this company. They make money from keep my credit report inaccurate Equifax reopened and reaged this account US DEPARTMENT OF EDU XXXX the account status is wrong also The balance owed and amount paid are all completed inaccurate!! 

The balance and past due on on US DEPARTMENT OF EDU XXXX is wrong it is inaccurate! Equifax update false information without doing a real investigation in the inaccurate information! 

The reported balance and past due amount on XXXX XXXX XXXX XXXX is inaccurate and very wrong. Also the payment history is fabricated and incorrect. Equifax did not do any real investigation at all. It like they use some automated service with not real hands on person!! 

Equifax are falsely reporting DEPT OF ED/XXXX XXXX there is absolutely no history or balance on this account it shows {$0.00} with no payments but they are keeping it to hurt my credit. 



Equifax are falsely reporting DEPT OF ED/XXXX XXXX there is absolutely no history or balance on this account it show {$0.00} with no payments but they are keeping it to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
In XX/XX/2021, I lost online access to my credit card account as my phone number changed. This meant I was not able to view my statements, in order to make payments, due to a loss of 2 factor authentication. I called multiple times to attempt to resolve the issue, and submitted proof of identity multiple times as requested. However, my issue was still not resolved - I remained unable to access my account and make payments. In a final call in XX/XX/2021, I sought confirmation that I had done all I could on my end, and would not be charged interest while Capital One restored access to my account. I was given this assurance. 

I followed up in XX/XX/2021, and found out that I had in fact been charged interest. While my XXXX and XX/XX/2021 calls, where I sought the above assurance, were recorded, Capital One refused to review these calls to confirm as such, nor would they provide me with the recordings of those calls, and advised that my interest charge would stand. In fact, in XX/XX/2021, I had explicitly requested email confirmation of the agreement made in those calls in order that I had confirmation of our discussion, but was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I told the company not to pull money out my account on multiple phone calls. I sent them emails stated not to do so. I even placed a stop payment on my account. They keep calling me from a new number every day multiple times a day. Leaving voicemails. They fill up my voicemail box every week. Im going to sue if they do not get stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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.

Complaint narrative:
The reason for our complaint basically lies in a problem that occurred during a Cryptocurrency transfer between two applications of the same company ( COINBASE ). 

Having tried on several occasions to solve the problem through the customer service of said company ( COINBASE ), the only thing we have received have been standard responses, in some cases with evasions, and today we still do not know the status of our claim and we do not have any information that relates the events that occurred. 

We have tried to explain the sequence of actions that was carried out, but it has also been in vain since the sending of images through the support communication channel is not allowed. 


Making a summary, the shipment that was made is 1 XXXX XXXX from Coinbase ( Which is one of the applications ) to Coinbase Wallet ( Which is the other application ), once the XXXX XXXX was in my Coinbase Wallet I send it back to Coinbase and it is at that moment when the page begins to register loading errors, showing the XXXX XXXX XXXX  with only some options available unlike normal, the only option that appeared was to send and receive through a XXXX XXXX to a XXXX address, when in reality in the XXXX XXXX  you should only be able to receive XXXX The application errors caused the page not to load all the necessary information and the address to receive instead of appearing with XXXX XXXX which was the automatic option, only XXXX appeared when it is not a compatible currency in the XXXX XXXX XXXX portfolio that currently can only work with XXXX XXXX 

I attach some images and videos you can compare in how the page was working during the errors and how it works nowadays, also you can check in some images my wallet movements. 

The are 2 videos one with the day of errors and the other is the same process but saved today where you can see the errors automatically assigning XXXX where it has to be XXXX XXXX. 


Dates : XX/XX/2021 Case Ticket Coinbase Support XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Amount : 1 XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
one day I was looking at my credit report and it was there I have no idea how these people got my info but I know for sure it's not mine. I don't know what else to say this is the info I got from my credit report commonwealth financial for {$1000.00} they keep putting it on my report as collections for the past 3 years I think

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: NY

Complaint narrative:
According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), states that the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility except the term consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation