vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have been struggling since covid. I no longer help family members so there is no extra change on my end. My mother was helping me as well and unfortunately bills have gotten so bad she can not help me, so naturally I have gotten behind. I have tried to pay even just a little bit online, not the full payment, just to show an honest effort. This company has called family I don't even really talk to. I have had to block Regional Finance ( off of XXXX in XXXX, TX ) because the calls are too many in number. Yes, I've had to install a blocker on my phone. When I call back to tell them when I can pay something I get yelled at and the last person even threatened me by saying " well if you can't pay the whole payment then I don't want anything from you and I'll take you to court ''. We had just a little bit less than {$200.00} left until my mom 's check came in and she told me to just pay it. These people have me in tears and I hate them to the core. We get these loans because we need the help, only for things to get worse. I can only pay a little bit now and nothing over {$100.00} and they don't give a XXXX. I hate them and I want this nightmare to end. I hope others get to see this. They won't work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting inaccurate information on my credit report. Transunion has a negative XXXX XXXX account on my report that does not belong to me. This is a violation of my rights because it is inconsistent with the other credit bureau agencies. Inaccurate information must be deleted according to the Fair Credit Act.

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 2021-02-04 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: DISCOVER BANK
State: PA

Complaint narrative:
I've had a Discover credit card for a little over a year now and noticed that my bill keeps increasing every month eventhough I haven't even used my credit card to purchase anything in several months. First I noticed that my bill was {$1500.00} in the month of XXXX then {$1600.00} in the month of XXXX. Now it's all the way up to {$1600.00} and I haven't used my card since XXXX. I always pay a little extra on my due balance every single month ( they usually ask for {$52.00} I give them {$60.00} a month ). So I can't understand why my balance is increasing instead of decreasing when like I said I have not used my credit card in like 5 months. In fact they even went up on my minimum due balance, at first they wanted only {$52.00} a month now they want {$130.00} a month. I feel like I'm being scammed here. Can you please help me? 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing this with the ( XXXX, XXXX, Transunion ) They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright upholding the law

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I XXXX XXXX XXXX never gave Trans union LLC any written consent to report anything on my consumer, report. No consent is identity theft. Tracking # XXXX I contacted them via certified mail

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 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KY

Complaint narrative:
My stimulus check was sent to my chime account. Chime will not refund this money to me. They closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Tried to make payment and they would not accept payment. Keep calling. Sending emails and last one said they were going to report me to all 3 credit bureaus even after I tried to make a payment and it would not accept it. Days it's delinquent and it's not. XXXX and it's bank Synchrony. My payment isn't due until the XXXX of XXXX and I have been getting threats for 2 weeks ... And harassed for 2 weeks. This is awful. I'm contacting an attorney. 
I want you to help me. And XXXX has chosen not to credit my account for the pressure cooker I didn't receive. That was supposed be taken off my account months ago and it's still there. 
Thank you.

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 2021-02-04 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
I visited XXXX XXXX XXXX XXXX in XXXX XXXX California for an XXXX XXXX I used my military health insurance plan to pay the services. I later received a bill 6 months after that visit stating I owed XXXX dollars. I called the office and paid the bill over the phone. Not even 2 months later they had a collection item on my credit for XXXX dollars. I have called and called and have not gotten them to delete this off of my credit. I understand the amount is XXXX but it shows under collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: VA

Complaint narrative:
I recently pulled my credit report and found that I have several accounts that are unknown to me. 
XXXX XXXX XXXX XXXX XXXX  I have never done business with these companies.

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 2021-02-04 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXX XXXX  did not respond or finish my accounts investigation on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged account XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an investigation in a timely manner and failing to ensure maximum possible accuracy before furnishing this account The XXXX Credit Bureaus also report this account with Multiple errors and incomplete data

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 2021-02-04 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: VA

Complaint narrative:
I recently pulled my credit report and found that I have several accounts that are unknown to me. 
XXXX XXXX XXXX XXXX XXXX I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AZ

Complaint narrative:
I received a debt collection bill in the mail XX/XX/XXXX from Enhanced Recovery Company for the amount of {$410.00} for XXXX XXXX XXXX XXXX XXXX, I reached out to the company and its for someone who used my social security number and my name but in XXXX XXXX Michigan. I live in Arizona and have never in my life even been to XXXX nor do I know anyone there nor did I give anyone permission to use my personal information. I also see another charge for XXXX on my credit report from the same company Enhanced Recovery Company. Both accounts show they were open in XXXX of XXXX. These do not belong to me and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Good morning, I am writing this complaint today in regard to the cryptocurrency exchange, Coinbase. 

After hearing good things about coinbase, I decided to give it a try after analysing XXXX, I invested XXXX by card payment as well as give a 2 deposit to confirm my bank account, prior to this deposit I had already verified every details asked of me. 

As soon as I made an order to buy into algo with my money, coinbase decided to hold my account under review with absolutely no reason given to me for why this was done. 

I have sent three support tickets exclaiming my anger as this is not right, no other exchange or broker has withheld onto my money without giving me a reason. I've received responses asking me to wait from the support team yet they have done absolutely nothing about this. They are holding my money without my permission. I've lost out on making myself hundreds of pounds and at the moment I'm out of pocket 302. I need this sorted, this is completely wrong what they're doing. 

Coinbase Case # XXXX - Account under review

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX did not respond or finish my accounts investigation on time as of XX/XX/2020, this company received my dispute yet has failed to mail me any response first of all this alleged account XXXX is not reporting to XXXX XXXX Reporting standards and violates the fair credit reporting act by failing to complete an investigation in a timely manner and failing to ensure maximum possible accuracy before furnishing this account The XXXX Credit Bureaus also report this account with Multiple errors and incomplete data

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 2021-02-04 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: NC

Complaint narrative:
DEAR Transunion : Thank you for sending me your internal records of the debt ( XXXX XXXX XXXX XXXX XXXX Account # XXXX, ( XXXX XXXX XXXX XXXX ) Account XXXX and XXXX XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ). You deleted this debt on XX/XX/2021 and 7 days later this debt back to my Transunion credit report. You stated by mail that you verified that these items are being reported correctly so how could this happen? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED ONCE AGAIN FOR THE 2ND TIME : MY UTILITY BILL FOR ADDRESS VERIFICATION, ID AND SOCIAL SECURITY #, POLICE REPORT, ID AFFIDAVIT via UNITED STATES POSTAL OFFICE CERTIFIED MAIL TRACKING # : XXXX mailed on XX/XX/2021 and delivered and signature by Transunion on XX/XX/2021. 
I was informed on XX/XX/2021 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I am keeping phone recordings and paper trail with all communication.

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ongoing problem. Ive been requesting proof of bankruptcy that is on my report for over a year. They have yet to comply with the law. In 2017 a revision to the FCRA allowed for public records to be used. However, they are required to provide my full social security number or birthdate on that public record, to which they did not do. they have used every excuse available as to why they are not complying. They are also stating that the bankruptcy will remain for 10 years by law. Just to clarify the law states it is a maximum of XXXX years. They are using this as further punishment when it is completely unnecessary. since it has been over a year and they still have not complied with federal law, the bankruptcy is to be removed from my report immediately. i am already preparing this case for court and fully intend on serving them a summons. CFPB is giving me a place to voice my concerns, but obviously has either no authority or intent to assist in this matter. i will be looking into that issue as well.

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on 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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on 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 2021-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I submitted an e-mail to Navient through its website, after submitting yet another deferment request for the period starting XX/XX/2020, after receiving a response that denied the first deferment request and that stated that they never received documentation of receiving unemployment benefits for that same time period. I DID, in fact, submit proof of unemployment. I also noted that I was told in my first CFPB complaint that I could be refunded my payments for that period after submitting a deferment request. ( In my first complaint, I noted that Navient denied receiving a deferment request for that time period, when I, in fact, DID submit the deferment request for that time period. ) After submitting the financial hardship deferment, I submitted proof of unemployment benefits immediately after ( again ). 

Navient is once again denying deferment for that time period, and that ( once again ) they deny receiving documentation of receiving unemployment benefits. 

Isn't a servicer of federal student loans held to a higher standard than this? 

Please see attachments. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A car loan was opened fraudulently in my name by Capital One on XX/XX/2019 due to Identity Theft with a balance left of {$9100.00} 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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified XXXX XXXX compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation