vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Over thirty days ago, I put forth the following complaint to Equifax agency yet have had no solution brought since. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my wet ink signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 



5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

8. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello Funds of approximately .7 ETH were transferred to Coinbase on XX/XX/XXXX and were never received due to Coinbase not supporting the XXXX chain that the token was transferred through. However, the transaction was completed, meaning that Coinbase does have the funds, and can access and reverse the transaction through a more time consuming and difficult process -despite Coinbase providing that it is impossible. Because I understand that the process of retrieving the funds is difficult, I am willing to pay an additional surcharge ( up to 30 % ) if coinbase requires ( as I understand other exchanges have had a policy of ), for these funds to be retrieved. 

The transaction on XX/XX/XXXX was sent to the following coinbase address : XXXX, with this txid : XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX-XXXX-Date of XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filled out an application through XXXX XXXX for XXXX XXXX Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX  ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at rate genius and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from rate genius has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-29 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: FL

Complaint narrative:
I previously notified you that I am a victim of identity theft.

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 2021-09-29 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: MD

Complaint narrative:
I WAS REVIEWING MY CREDIT REPORT AND I SAW, THAT THERE ARE ACCOUNTS WHICH IS NOT MINE. I COMPLITELY DISAGREE WITH INFORMATION WHICH YOU POSTED ON MY CREDIT REPORT. NOWDAYS ITS VERY HARD TO SURVIVE WITH XXXX, AND YOU MADE IT HARDER WHEN YOU POST THESE ACCOUNTS ON MY CREDIT, NOW I HAVE NO CHANCE TO OPEN CREDIT CARD, IT WOULD HELP ME EVEN TO BUY FOOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In order to get the new driver 's license that approves me to fly, I had to get a new SS card to match my first and middle name to the first and middle name that's on my birth certificate. After getting the new SS card that changes my first name and middle name in XXXX of 2021, I was able to get the new driver 's license as well. So now my name needs changed on the records of all three major credit bureaus. I've uploaded copies of my new SS card and license several times to Equifax, asking them to please update my name on my credit file. They still have my name as my old name. I've been denied credit because I applied in the name that's on my new license & SS card and Equifax still has my name as it was before I got the new ss card and driver 's license. I have had credit with all 3 bureaus for many years but Equifax is telling the bank I have no credit with them because they are looking for the wrong name. I've filed disputes with Equifax online starting in XXXX of 2021, and again in XXXX, XXXX, and XXXX, each time uploading my new documents. They still will not update my name. They resolve the dispute but do not tell me how and I can't read the resolution on their website. But my name on my credit report does not change with Equifax! It's very frustrating. 

As far as I know, the only credit bureau that has updated my name is XXXX and they made it easy! XXXX 's website doesn't work half the time so I don't know what name they have on my report. It appears from trying to access my information on XXXX, all they want is {$25.00} a month! 

My complaint right now is only with Equifax since they have caused me to be denied credit simply because of my name! They just appear to refuse to update my name to what's on my valid, current social security card and driver 's license. Help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: NY

Complaint narrative:
The complaint is in regard to Chime. I tried to deposit my tax refund check via their app to my account. During this process Chime requires that you endorse the check with " For Deposit to Chime Only ''. I received an error message that the check could not be verified and was NOT deposited to my account. I contacted Chime to see if perhaps a different picture could be used. They said that they could no longer do anything about this transaction. Now I have a check that I can not cash because it is endorsed to Chime and I need to go back to the IRS for a new check. This could take quite some time to get a new check from the Federal Government. I spoke with three customer service representatives and two supervisors. All of whom were not helpful and all anyone could say was a canned response that if a check can not be verified by their system during the first app transaction then nothing can be done. I certainly find that hard to believe. There is always a solution to a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Payday loan debt
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NY

Complaint narrative:
Wed, XX/XX/XXXX at XXXX XXXX  FINAL DEBT INFORMATION. 

LAWSUIT COURT NOTICE_PAY_DAY_LOAN DUE AMOUNT CASE FILE TRANSFER TODAY FDCP ACT-811 ( 15 USC1692I ) Lawsuit Cost - {$2400.00} ( Including Attorney Fee/Court Fee/All Taxes ) Creditor Name : Ace Cash Services. 

Total Due Balance : {$890.00} SETTLEMENT {$320.00} TODAY XXXX XXXX Ace XXXX & Legal Department XXXX XXXX | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I believe that I should be included in Case XXXX. XXXX XXXX didn't explain any private loan was being requested on my behalf. I was rushed and they used high pressure tactics to get me enrolled. 
I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX, advising me that although I satisfied all admission requirements for the XXXX program that I had not been selected based on their ranking system based on their admission exam scores and due to more applicants applying that they had spots for. On XX/XX/XXXX I got an email from XXXX XXXX the XXXX program chair to call her because I was next in line to be admitted to the XXXX program. During my meeting with the admission staff, I was rushed through the process of applying for federal student loans, never given the answer as to the the total cost of the program ( even though I asked for the total program costs ), and I was pressured to sign the paperwork if I wanted to get in now because they could offer the spot to someone else. Classes started XX/XX/XXXX. I never received any enrollment packet that outline what's required to graduate. I was not given or ever shown the XXXX XXXX note until after classes had started. I did not electronically sign anything & only ever signed financial loan papers once when I went in to sign up for school. I attended XXXX XXXX with the understanding that all of my loans were federal only to find out later that a high interest private loan had been attached to my package without my knowledge. I was also required to pay {$1800.00} cash out of pocket because I refused to take out another loan. I was told that if I didn't take the loan or defaulted on my scheduled payment I would be expelled for non-payment. I struggled but came up with the money to pay. I paid {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX and {$530.00} on XX/XX/XXXX. I was not advised of any grants or scholarships that were available to me. I asked about more state aid and was told that I didn't qualify for more state aid which wasn't true. At that time there was an XXXX XXXX XXXX scholarship available, which was one of many opportunities that I found out about after the fact. No one ever told me I was taking out a private loan. I was lead to believe all my loans were federal loans. I never received any paperwork until after signing documents to attend school. My servicer, Navient, has not applied the judgement relief per the case # above pursuant to the Indianas Deceptive Consumer Sales Act, I.C. 24-5-0.5 et seq.- " Incurable deceptive act '' means a deceptive act done by a supplier as part of a scheme, artifice, or device with intent to defraud or mislead. And has been continuing to collect on this loan from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp
State: NJ

Complaint narrative:
I reviewed a copy of my credit report and notice this company reporting I owe monies to them. I reached out to them to send me the validation that this is indeed mine and I can move forward to taking care of this issue. I have yet to get any response with the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
To whom it may concern : I have filed a claim with Bank of america for a fraud transfer, Claim # XXXX in which money was transferred from my account into a cashapp account on XX/XX/XXXX. On XX/XX/XXXX when I noticed this I immediately cancelled my cards and from the online banking app, which gave me a list of transactions asking if i made all of the purchases listed, i selected no. ( You would have thought that this would have started the fraud investigation, it didn't. When i called in the next day to check to see what the status was on me getting refunded, i then found out that there wasn't any kind of claim established. I then had to file a claim. I was then told it would be up to 10 business days before Bank of america would finish the investigation, which is fine, but meanwhile i have no money until either the XXXX of XXXX or until I get paid again. An agent was nice enough to put a hardship request in for me, since you know " i have no money '', but bank of america denied it and said i wait to wait until the XXXX. You would think after the XXXX XXXX they had, they would be a little more open to customers needs, no!!! I have to borrow money until i can come up with more because of this. All you had to do was issue a provisional credit " i put plenty of money into my accounts, as well as this being my first ever claim with bank of america. I had an issue years ago with Forum where i used my card at a gas station and it had a swiper device on it and they issue me a credit the day after the transactions happened.

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 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
Last week XX/XX/2021 - XX/XX/2021 Received a " Statement of Account '' in the mail from the following company : A.R.M Solutions, XXXX XXXX XXXX, XXXX, CA XXXX Statement claims I owe {$18.00} for a XXXX XXXX subscription XXXX I have NEVER had a XXXX XXXX subscription. 

I did some basic research about A.R.M Solutions and found it to be known as a SCAM company. That is why I chose not to make contact with them sensing I would just get the round around and pressure to pay what is not a legitimate claim. 

Filing complaint to ensure this false debt does not get on or have it removed from any and all credit reporting entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have been disputing this account for some time now with PROCOLLECT. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
National credit systems has a XXXX balance from a old apartment complex I was living at.. due to coronavirus my job was affected and I lost my job .. fell behind in my rent and when I did find a agency to help pay the back rent XXXX XXXX did not accept it instead they terminated my lease..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
We're trying to sell our house and find ourselves looking at a short sale because of a {$58000.00} " silent '' second mortgage that we didn't know exist. We had some foreclosure issues a couple years back, but pulled through. We thought that maybe the silent second was due to fees and interest and legal fees, but that's still an incredible amount of money and it was never explained to us. 

We had a banker look at the situation and he said that the silent second was the down payment on the house that we couldn't afford to pay. We bought the house under an FHA loan because of the low down payment. We were never told that this second mortgage was being initiated or that we owed that amount of money. No account number was ever provided to us, no explanation, and when we log into our mortgage portal to make payments the $ XXXX isn't there. We can't possibly make payments on it if we don't know that it exists. 

In the end, this silent second is deceptive and unfair, if not predatory. I feel as though we were duped into signing something, either at closing or at the execution of the loan modification post foreclosure, that we couldn't possibly understand on our own. This $ XXXX seems fraudulent. They refuse to provide an itemization of what is involved in that $ XXXX as well. Again, how are we to be expected to pay on something we A. ) didn't know existed, and B. ) don't have any information for? It's clear that Freedom Mortgage preyed upon us and deceived us just to sell us a home we probably couldn't afford. Now, we're stuck holding the bag as we're trying to get out. Unfair.

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery calls me daily twice a day during work hours. Their calls are stressing me out and I am starting to have XXXX  because of their daily calls.

Company response to consumer: Closed with non-monetary relief