vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX due to the COVID-19 pandemic, I entered into a loan forbearance on my home mortgage from XX/XX/XXXX until XX/XX/XXXX. I have contacted my loan servicer Bank Of America on several occasions starting on XX/XX/XXXX, to discuss a possible extension of my forbearance or a loan modification since I am still being economically affected by the COVID-19 pandemic. And also what the next steps were since my forbearance agreement was ending. I was told by several customer service representatives that they were unable to assist me due to the legal status of my account. Which I found to be strange. 

I am requesting that I be assigned a single point of contact to discuss my options on my home mortgage, I am also requesting that I be assigned to some one with in the office of the president of Bank of America to help me with my home loan assistance. I am a veteran I do not like the way that Bank of America has been treating me with the request of assistance with my home mortgage. 

I know the COVID-19 has been hard on everyone, but I still expect to be treated fairly and not discriminated against due to my status or my race. Bank of America is the servicer of my loan and should be able to discuss with me the options and the guidelines that the owner or the investor has for home loan assistance on my mortgage loan.

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 2021-03-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX stop reporting my payments to the credit bureau agencies from XX/XX/XXXX to XX/XX/XXXX. Their reason/excuse is due to the economic relief Cares Act which has actually hurt my credit rather than help it. In addition to this, XXXX XXXX have FALSELY reported my payment history in previous months. They reported my account to be 60 day late twice in XX/XX/XXXX and XX/XX/XXXX. I disputed this information with the credit bureaus twice but the inaccuracy remained. Finally I wrote XXXX XXXX XXXX department on XX/XX/XXXX, they replied to me via mail and according to their own research, the payment history they provided for my account DOES NOT show any 60 day late in XXXX ( see attached ). So the information provided to me from their research letter IS NOT the same information they're providing to the credit bureaus.I provided the letter to the credit bureau ( EXPERIAN ), they acknowledge the discrepancy, however they inform they are not able to update the information without XXXX XXXX XXXX providing them the updated information. This issue has made it extremely hard for me to purchase a home for my family as well as other financial obligations ( rental, auto refi, etc ). XXXX XXXX XXXX should be held accountable of the way they've mishandled my accounts. This is a clear violation of the Fair Credit Reporting 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 2021-03-22 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: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I came into the deanship for scheduled maintenance on XX/XX/21 and while waiting for my oil change. My daughter and I walked through the showroom as we always do to pass the time. We saw our sales guy ( XXXX ) and said hello. He came over and spoke to us and asked me had I seen the new XXXX XXXX. I said that I had not and asked if he had pictures. He said yes and shows me his phone. I asked him when they would be available and he said " soon ''. I said ok let me know and I'll come take a look. He leaves for a few minutes and comes back and said, " I think we have one in black '' I said oh ok and he leaves again. XXXX had a few customers he was dealing with so I did not see him again before we left. My car was ready so we left because 1. we were only there for an oil change and 2. we had reservations at XXXX XXXX at XXXX that day ( we were celebrating my daughters birthday ). While we are at XX/XX/XXXXI get a call from XXXX saying " I was able to get it done, but I'll call you back '' I was like get what done? He was like the black XXXX, I'll call you right back ; and hangs up. I was confused. As we are leaving XXXX XXXX I started getting a bunch of email notices that my credit had been pulled. I NEVER authorized XXXX or anyone else at XXXX XXXX XXXX to pull my credit, I was ONLY there to have my oil changed.

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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
CREDIT REPORTING AGENCIES REFUSE TO REMOVE INFORMATION.

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 2021-03-22 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: FL

Complaint narrative:
There is something crazy with my credit! I made a report a few days ago after I noticed that there are accounts on my credit report that are not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.

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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is something crazy with my credit! I made a report a few days ago after I noticed that there are accounts on my credit report that are not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE FINANCIAL SERVICES INC. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX Phone : XXXX Fax:XXXX Manager : XXXX XXXX Attached is a print screen of my credit card statement payment/receipt directly from XXXX and XXXX XXXX XXXX. 

Payment was made on XX/XX/XXXX to CMRE Financial Services Inc. On behalf of Creditor " XXXX XXXX XXXX XXXX date of service XX/XX/XXXX for a bill that is over 6 years old and when I was on Medical. '' Payment was made by XXXX Master Card for the amount of XXXX - confirmation number of payment by CMRE Financial Services Inc. XXXX XXXX XXXX XXXX for the amount of XXXX - confirmation number of payment by CMRE Financial Services Inc. XXXX Amount was paid in full with the agreement CMRE Financial Services Inc. will remove it from my credit report on XX/XX/XXXX. 


Removal never happened and on XX/XX/XXXX I called CMRE Financial Services informing the bill is still on my report, CMRE now informed me they do not do removals. 

Total : XXXX triple the amount the credit reporting agency is currently reporting XXXX XXXX XXXX XXXX Since XXXX of XXXX to current : I have done every dispute on XXXX, XXXX, and even got XXXX XXXX XXXX ID Case # XXXX Paying a monthly fee to have this removed from my credit report. XXXX XXXX  can not reach anyone in CMRE FINANCIAL. XXXX XXXX Claims to have sent letters to CMRE, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I have been unable to log into my account for almost a year. They are non-responsive to email/message/phone calls. I have been locked out of my account, and I need it to be unlocked. My email associated with this account is XXXX I had to open an additional account because the other one was locked. Please unlock the XXXX one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
On XX/XX/XXXX I submitted an Employment Certification Form ( " ECF '' ) for Public Service Law Forgiveness. This form was auto generated through StudentAid.gov, and had a number of errors such as stating my EIN was not a government agencyXXXX when it in fact is. This error ultimately was on my part for failing to adequately review the form. 

I resubmitted the ECF on XX/XX/XXXX and it was rejected due to a failure of me to date the form. This error was on my part. 

I resubmitted the ECF on XX/XX/XXXX. The ECF covered approximately 21 payments. I received a response on XX/XX/XXXX. Despite having submitted an ECF beginning XX/XX/XXXX, FedLoan ignored the time period between XX/XX/XXXX and XX/XX/XXXX and only certified one payment. The other 20 payments remained eligible, but not certified. The explanation that I was provided was that on my XX/XX/XXXX ECF form I used the start date of XX/XX/XXXX rather XX/XX/XXXX, which I put in based on the following instruction from StudentAid.gov PSLF Help Tool : " Note : Only add your employment history since your last approved employment certification '' No explanation was provided for why the period of XX/XX/XXXX through XX/XX/XXXX was ignored On XX/XX/XXXX I submitted another ECF. To date, I have not received any update on that form and have an e-mail chain consisting of numerous FedLoan representatives providing conflicting information, stock responses, and a general lack of clarity. In one instance, XX/XX/XXXX, XXXX informed me that the reason for the delay was because I did not use the form on StudentAid.gov. I did. No explanation has been provided for why this was informed to me. In another e-mail, I was told it was a general review of all employers ; however, my employer remains on StudentAid.Gov as verified. It appears evident that if a customer service representative does not know the answer to a particular problem, they answer with either a guess or a stock response rather than escalating it to someone who can provide an honest, direct answer. 

I have worked for the city of XXXX  XXXX without interruption since XXXX of XXXX. It is a government agency. Further, I am an XXXX engaged in XXXX XXXX XXXX, which is a secondary basis for eligibility. My employer is unquestionably verified, and the EIN continues to appear as Eligible in the PSLF help tool

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
I purchased crypto with my debit card on XX/XX/2021. A few minutes after the purchase it showed that I received a notification that the transaction was cancelled and stated that I should order again. Yet, I checked my bank and it showed the transaction as pending. I figured it was just one of those longer pending cancellations that would cancel in 1-2 days. So, I decided to wait and not try purchasing from them again. 
4-5 business days later, I log into my account and it shows that the transaction had indeed cleared my bank. 

On XX/XX/XXXX. I tried e-mailing customer support and contacting them on social media. I then got a response asking to check if my bank is blocking the transaction. My bank was not blocking the transaction otherwise the transaction would have rejected right away and it showed that it had cleared my account. 

As of today the debit card transaction has cleared, they have my money and now they will not allow me to withdraw the full currency that I paid for. They have stopped responding to my e-mails and DM messages on twitter. There are many others also having the same problems as me. I just want what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: TX

Complaint narrative:
Several law has been broken under the FCRA it over 30days Credit Bureaus never reply to my letter been sent to them to investigate my report, am emotional distress about my credit based on different item been place on my report which is stopping for living my best life, I can't get any home or apt due to lack of investigation credit Bureaus fail to carry out on my credit which was so painful if I have to go to the supreme court for this I don't mind, cause many rules has been violented under the FCRA by Credit Bureaus which was really affecting me for living my best life as a lawful citizen of United State of America, I can't get a rent for myself and family, I was taken for granted my the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, Mo XXXX To : XXXX  XXXX XXXX XXXX XXXX, This complaint is against GM Financial on ground of price gouging by changing a payoff on a vehicle. Allow me to explain. 

In XX/XX/XXXX my fianc past away with a XXXX XXXX XXXX, being financed by GM Financial. According to the bill for that month, the owed balance was about {$9000.00}. Later I advised the lender of the development by sending information and express my intent to continue to payoff the balance. I even sent them a copy of the title indicating me as a beneficiary on a TOD ; Transfer on Death. 

During a phone conversation, they insist that I produce a letter of executive, or they will NOT give me a statement on the account. It was explained that because my fianc didnt owed any property or a business, an executive letter was unneeded and will NOT be produced. The lender still refuse to give me a statement. 


Point of the Complaint In XXXX, I received a letter from the lender stating that a balance of > {$8000.00} ( {$7000.00} principal ) was owed. Please be advised that payments of {$430.00} ( average ) a month was made from XXXX to XXXX of XXXX. To have this amount left on the balance is clearly unreasonable. It appears that the reason for this lender to NOT provide me a statement is to wrongfully charge me an excessive amount to payoff my fiancs vehicle. 

Additional information will be submitted at a later time. 

With this complaint, I respectfully ask for your assistance. 


XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: FL

Complaint narrative:
Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by Equifax even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
CREDIT REPORTING AGENCIES REFUSE TO REMOVE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
CREDIT REPORTING AGENCIES REFUSE TO REMOVE INFORMATION.

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 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On several occasions, my checking account had funds debited from the account without notifying me like they did in the past. Although, the monies have been returned, I have 3 inquiries on my credit report that are fraudulent.

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 2021-03-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I contacted all three credit bureaus told them that there was fraud on my credit that the collections accounts that were on my credit were related to my ex-wife they were her accounts with her information and I had nothing to do with any of it as I was XX/XX/XXXXwhen these accounts opened and put into collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I have very good credit ( score XXXX ). I am trying to apply for a car loan with my daughter and have been told by XXXX that it was denied because Experian was unable to verify my identity. According to XXXX, Experian has a " mismatched report '' on me that only Experian can resolve. I have tried multiple times to call Experian to speak to a representative about this to no avail. It is impossible to get a person on the phone at Experian XXXX XXXX XXXX despite trying every menu option available. Meanwhile, the credit " unfreeze '' timeframe that I placed on my account has passed, and I still do not have this resolved nor was I able to get a loan against my very good credit. 
Furthermore, XXXX representative told me that Experian is the worst for this issue - and that it is very difficult to talk to an Experian representative. This is unacceptable. Could you please help me resolve this? Thank you. 
Sincerely, 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 2021-03-22 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: TN

Complaint narrative:
Victim of Identity thief

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