vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I submitted a dispute with TransUnion and its been over 30 days and I havent heard anything back in regards to that dispute. This is unacceptable.

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 2021-03-12 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: IN

Complaint narrative:
I have been a victim of identity theft the following accounts have not been authorized nor have i given written consent. All of the accounts are indeed fraudulent and they are damaging my reputation and is a infringement of my privacy. please see attachment and remove all accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I my name name social security number and ate of birth to be removed off of XXXX and early warning

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I opened an M & T Bank account to get a bonus, which required me to transfer {$10000.00} into my account. When I attempted to do this, I learned that their bank to bank transfer option was under maintenance and there was no estimated date for when it would work again. Then I attempted to transfer funds via XXXX, but that system caps the maximum amounts far below what I needed. 

When I brought this to the attention of M & T 's customer service, I got the same response twice : If your account has been open less than 180 days, we will assess a {$50.00} account closing fee. 

M & T Bank is refusing to waive the {$50.00} fee even though their bank and transfer systems do not allow me to transfer money into my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My wife passed away on XXXX XX/XX/2021 on or about XXXX XX/XX/2021 I notified Lowes/Synchrony customer service number XXXX and was connected to Synchrony bank " OFF-SHORE '' call center that my wife had passed away as this was a joint account they did not ask for a copy of her death certificate but said they would verify independently through other means, On XXXX XX/XX/2021 I entered Lowes store in XXXX AZ and attempted to purchase some items I needed for some home repairs and my Lowes credit card was " DECLINED '', I went to the customer service desk and was told when they checked the account that it was closed with no mention of any thing else. 
I called Lowes/Synchrony customer service and requested to talk with a manager and then they finally transferred my call to another person in their " Probate '' center who told me yes they reported my wife 's passing and in addition they had reported my death also to all three credit reporting agencies without any evidence that what they did was in fact true. I contacted XXXX and XXXX  and filed a dispute with both of them and was told that this could take up to 45 to 60 days to get corrected. My wife 's death certificate has not been issued by the XXXX county coroner as of XXXX today XX/XX/2021 also my wife 's obituary was not published in the XXXX  XXXX XXXX weekly paper until XXXX XX/XX/2021. This will seriously impact on my ability to finnish all my wife 's final arrangement if I am listed as deceased by all three credit reporting agencies that have not conducted their due diligence and published totally false information on my credit report and want to drag their feet in correcting this. All the other creditors that my wife and I have asked for a copy of her death certificate or the name of the funeral home that was taking care of my wife 's funeral. I am possibly considering retaining an attorney to take them to task for their errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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: IN

Complaint narrative:
I have been a victim of identity theft the following accounts have not been authorized nor have i given written consent. All of the accounts are indeed fraudulent and they are damaging my reputation and is a infringement of my privacy. please see attachment and remove all accounts listed.

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 2021-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanUnited.com, LLC
State: FL

Complaint narrative:
In process trying to refinance with LoanUnited.com -- - Started Refinance on XX/XX/2021 with LoanUnited representative Mr. XXXX XXXX. 

XXXX XXXX XXXX Mortgage Loan Originator XXXX  # XXXX | Email : XXXX Direct : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext XXXX Received email and multiple telephone calls that we were going to close on XX/XX/2021 .... and have received no further notifications other than an email stating please be patient ... no calls, nothing .... Seems vastly unprofessional and I would be terminated if my customer service skills were performed at the same level as this company. 

I've asked to speak with the CEO/Owner or whomever is in charge and nothing, no response, no attempts at contacting me by phone or email. As a side note I have sent multiple emails voicing my frustration with no response as well, other than an email from Mr. XXXX stating to please be patient ... this company should be shut down and those at the top should be thrown in prison. 

Additional contacts from emails I've received from LoanUnited.com are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Processor Email : XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Im making payments every month more than the minimum payment and my balance its going up and up every month

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 2021-03-12 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: NY

Complaint narrative:
Looking through my report and I still notice the accounts that I've previously filed 609 on the following : XXXX XXXX, XXXX, XXXX  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 2021-03-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have attempted multiple times to fix incorrect information on my credit report with Experian. XXXX  and XXXX  are reporting solid information. I have a score of XXXX and XXXX respectively with them. Experian on the other hand has been always in the low 600 's. I was just denied for a credit card with XXXX because of them. They are frauds!

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 2021-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I had a transaction fail on the Coinbase exchange on XX/XX/XXXX for 2 {$500.00} dollar deposits. I have now made sure that I was able to cover and I can but I can't reinstate my bank account on the Coinbase app and I am being refused to trade and interact with my money on the exchange. I am essentially stuck amid the increase in XXXXXXXX XXXX price. The company lacks capable customer support and is slowly responding to emails and XXXX posts. I just desire a resolution to this situation. 
I have already addressed it with my bank and they said that my deposits went through so I am unsure as to what the problem truly is. 
The case numbers are Case # XXXX and Case # XXXX. I am hoping to see this resolved in the near future and will not be doing business with Coinbase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: IN

Complaint narrative:
I DO NOT GIVE OUT MY PERSONAL INFORMATION TO ANYONE RANDOMLY. I BELIEVE MY PERSONAL INFORMATION WAS COMPROMISED AND EXPOSED THROUGH THE USE OF ONLINE SERVICES WHILE APPLYING FOR CERTAIN THINGS ON THE INTERNET. Yesterday I checked my credit report. While doing so I see iterns and inquiries that aren't mine. I don't understand what's going on but these items and inquiries are not mine and the all need to be deleted from my credit report. I got in contact with the police and FTC. Please help me.

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 2021-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: FL

Complaint narrative:
I had a loan with Stearns Lending. I had been making bi-weekly payments. On XX/XX/XXXX they transferred the loan to XXXX XXXX and did not forward one of the payments making my account delinquent. I have called them SEVERAL times for hours at a time trying to get in contact with someone with no resolution. Trying to get an agent on the phone is nearly impossible and I am worried that after 60 days if this matter is not resolved it will negatively affect my credit.

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 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: WA

Complaint narrative:
My account was sent to a collections agency who never contacted to dispute nor validate the debt which was alleged I owed. There was a mix-up in the apartment room in which I resided with a college roommate. I reached out to the original creditor to inform them that I am disputing the amount owed. Instead of the company trying to rectify it, they maliciously sent my account to Southern Management Systems collection agency who never notified me to validate the debt. I have provided a video and photos of the room in which I resided in the apartment - the statement provided does not reflect the room I resided in and therefore I am disputing these charges and asked that the account be removed from collections immediately. This is a shady unfair practice and a violation of my rights. My account was sent to a collection agency without any notification from the collection agency. I WANT THE ACCOUNT REMOVED FROM COLLECTION IMMEDIATELY AS THE ORIGINAL CREDITOR IS AWARE THIS ACCOUNT IS BEING DISPUTED - THE COLLECTION AGENCY, BY LAW, SHOULD I PROVIDED ME WITH WRITTEN NOTIFICATION OF THIS DEBT AND A CHANCE TO DISPUTE AND VALIDATE BUT THEY FAILED TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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.
State: VA

Complaint narrative:
Coinbase Pro disabled my account. Im unable to withdraw my money or trade. I currently have a total of XXXX $ Where {$1000.00} are available in US dollars, and the rest XXXX $ are traded in coins. I have tried contacting support multiple times and I cant get an answer. 

On XX/XX/XXXX I deposited {$1000.00} on my Coinbase pro account and received an email from Coinbase on XX/XX/XXXX saying these funds where available for me to withdraw. Additionally I have another {$400.00} and {$100.00} that they are actually traded but again, the account is disabled and can not do anything with these as well. Ive attached the only response I have received from them. I have also opened different cases all unresolved. Some they claimed it being resolved when not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I called and requested a debt validation letter and XXXX XXXX area manager stated that he can not provide a debt validation letter and that I must obtain the information from the courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
TODAY MY BANK ACCOUNT WAS WITHDRAWN OF ALLLLL MY MONIES THAT I LIVE ON LEAVING ME WITH A XXXX BALANCE! ... THEY TOOK {$5400.00} TODAY .. .MY MONIES COME FROM MOSTLY GOVERNMENT AND FEDERAL MONIES THAT WERE TAKEN FROM ME BY A COLLECTION AGENCY THAT NEVER SENT ME A CERTIFIED LETTER PRYOR TO DOING SO TO VALIDATE ANYTHING ... I'M ON UNEMPLOYMENT BENEFITS, FOOD ASST. AND RECENTLY WAS GIVEN OTHER GOV. AND FEDERAL MONIES DUE TO THE PANDEMIC ... IN ADDITION, I RECENTLY HAD XXXX XXXX .... I HAVE NO OUTSTANDING DEBTS LISTED ON MY CREDIT REPORTS ... IF THERE ARE ANY OLD DEBTS, THEY ARE UNSECURED DEBTS THAT HAVE REACHED THE STATUE OF LIMITATIONS = TIME BARRED ... THIS IS UNACCEPTABLE ... AND NOW I'M AFRAID OF OTHER GOV. MONIES WILL BE TAKEN FROM ME .. I HAVE NO OTHER CHOICE BUT TO CLOSE DOWN MY BANK ACCOUNT NEXT WEEK BECAUSE OF THIS FRAUDULENT WAY OF THEM DOING THEIR BUSINESS! AND MY BANK SAYS THEY CAN NOT DO ANYTHING, THERE WAS A COURT ORDER LISTING THIS DEBT COLLECTION AGENCY AS HIDAY & RICK PA. LOCATED IN XXXX, FL. ... I WANT MY MONEY BACK NOW!!! YOU CAN TELL THEM I WILL BE TAKING THIS TO THE GOVERNORS OFFICE OF FLORIDA AND ALL OF THE NATIONS NEWS MEDIA TO LET OTHER PEOPLE KNOW WHO ARE STRUGGLING DURING THIS PANDEMIC, THAT THESE COMPANIES EXIST! HOW ARE THEY ALLOWED TO GO INTO XXXX XXXX ACCOUNTS AND TAKE THEIR MONEY!! ESPECIALLY DURING A WORLD WIDE CRISIS THAT IS NOT OVER YET ... THIS NEEDS TO STOP NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute with XXXX Credit Bureau regarding Inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX  Credit Bureau, regarding the Inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I filed a dispute with XXXX Credit Bureau regarding Inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX Credit Bureau, regarding the Inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: IN

Complaint narrative:
I am a victim of identify theft I did not authorize or give consent .The following items do not belong to me and is a result of fraud that I did not authorize. Please see attachment and delete all accounts listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: IL

Complaint narrative:
RE : XXXX XXXX XXXX XXXXXXXX - I was never late on this account, To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of status of account. Under FDCPA I have the right to request validation of status of my account. you say I owe you. 
This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation

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 2021-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute with XXXX Credit Bureau regarding inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX regarding the inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: MS

Complaint narrative:
On XXXX XXXX, 2021 I was reviewing recent transactions on my EPPICard account authorized by XXXX ( XXXX ) for unemployment insurance benefits. I noticed transactions on my account that were out of state and subsequently reversed by EPPICard. As I continued my review I noticed more recent out of state transactions that did not get reversed on XXXX, XXXX These unauthorized transactions were occurring in XXXX, Florida ; XXXX, Georgia ; XXXX, Texas ; XXXX XXXX and XXXX, New Jersey. My debit card remained in my possession and only the numbers were being used. I immediately notified EPPICard of the fraudulent charges on XXXX XXXX, XXXX. The total amount of the charges was {$250.00}. I filled out a fraud packet in a timely manner but the bank claims it was one day late to qualify for a provisional credit. They claim that they received it on XXXX XXXX, XXXX. I received the fraud packet from EPPICard on XXXX, XXXX and EPPICard said I needed to return it within 10 business days from the day of my initial call, which was on XXXX XXXXXXXX XXXX Upon the receipt of the required formal written complaint on XXXX XXXX, XXXX I was informed that I did not qualify for a provisional credit and that they have 90 days to complete their investigation. I have heard nothing in verbal or written form from EPPPICard and it has been 56 days and no provisional credit or response has been given. My understanding from my reading and according to their letter the investigation was to be completed within 45 days not 90. Numerous calls and emails were of no help. I've been hung up on, told they would call me back and never do, and emails never responded too. I need guidance as to how to recover my unemployment benefits that I so desperately need during the COVID-19 pandemic that has shut our country down. I was unable to screenshot my transaction history for XXXX of XXXX. They have not provided any copies of that month 's statement either as of this date which I requested in XXXXXXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation