vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 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: NY

Complaint narrative:
I was alerted of a credit inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Phone # : ( XXXX ) XXXX I called on XX/XX/XXXX they mentioned they never pulled 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 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax, XXXX XXXX XXXX XXXXeir Bank Account # XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate across all 3 credit bureaus. I have sent certified letters to Equifax, XXXX  and XXXX 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided Equifax with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax Inquiry Names : XXXX XXXX - XX/XX/XXXX XXXX - Card Services - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I have contact Equifax numerous of times about the above unknow inquires on my credit report and to provided me written documentation or proof that I have indeed applied for these account above. Equifax continues to updated my account as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I received what I believe is a misleading advertisement in reference to my credit card via email on XX/XX/XXXX from Chase Bank. I contact my local banker, and she said she was forwarding my concern to the credit card division and that I would hear back by XX/XX/XXXX. I did not. 
The advertisement claimed that I could pay a fee on a purchase but no interest payments. That is incorrect ; fees and interest are all part of the loan ( in this case, credit card purchase ) process. One implies the other, given the loan/card purchase amount. I have included a document as an ATTACHMENT that demonstrates my claim that there " fees '' are the equivalent to an interest rate. The claim that no interest payments need to be made is simply false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: TX

Complaint narrative:
The account for XXXX is fraud. I have contacted them with a cfpb and an ftc complaint with an affidavit showing this is fraud. They refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX, Experian XXXXXXXX XXXX XXXX Account # XXXX Amount {$0.00} This account is showing on my credit report incorrect and inaccurate across all 3 credit bureaus. I have sent certified letters to XXXX, Experian, and XXXX 3 times to remove this account due to inaccurate information and to provide me with proof. They continues to update this account and say it has been verified, but yet to provided me with any documentation. I have also provided XXXX with screenshot of my credit report and highlighting each individual line item with comment that was incorrect, in which I would provide the screenshot in this email also.

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 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I made a payment with a credit card in Cash on XX/XX/XXXX, Banco Popular de PR ( BPPR ) does not recognize the transaction until Tuesday, XX/XX/XXXX. Also, when I made transactions between my accounts ( checking and savings ) in the BPPR, the amount of one of the accounts ( for example, checking ) was withdrawn instantly, but the recognition of the deposit could take up to 2 days. If you deposit a check from another banking institution to the BPPR account, the disposition of funds can wait 3 days at the local bank and from US banks 7-10 days. I believe this represented a departure from the CC Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: MD

Complaint narrative:
Transunion Inquires Names : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I have contact Transunion numerous of times to remove the above inquires from my credit report due to unknown account accounts and transaction. Transunion continues to report this false information and fail to provided me with proof these inquires account are indeed mines. Remove immediatley.

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 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Have my business and I tried to open a business account which I was allowed them later closed saying consumer reports rules and regulations why the bank closed my account

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 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received your response to my complaint that was made through the CFPB ( Case # XXXX ), that I have attached to this complaint. As a consumer, I have a right to ask the following questions and request the following documentation regarding the investigation of this alleged account. 

Your company stated that there is not a signed copy of an application for this alleged account, but you were able to verify the account due to alleged contact information that has been linked to me by public record. As stated in previous disputes with the credit reporting agencies, which you have acknowledged in your response this account was opened fraudulently. Can your company explain in detail how you think finding alleged information about me on public record is considered as a burden of proof? 
The alleged information that you have received from public records to verify that this alleged account is mine, is incorrect. Please provide a signed agreement that I have made with your company, or other verifiable proof that I have a contractual obligation to pay your company. 
You have also stated that you verified that the alleged social security number and date of birth that you have on record is mine by my credit report. Are you implying that both you and the CRAs discussed my nonpublic personal information as an attempt to verify this fraudulent account? 
Your company also stated that on XX/XX/XXXX, you placed the account with XXXX XXXX. Was this debt assigned to that third party debt collector or purchased? 
If this debt was purchased, how much was the debt purchased for? 
Your company has also stated that on XX/XX/XXXX this account was charged off. Have any insurance claims been made regarding this alleged account? 
Your company has also stated that on XX/XX/XXXX, you received a payment from me to settle this account. Who made this payment? How were you able to verify that this alleged payment was made by me? 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Please also verify that you know and understand that contacting me again after the receipt of this notice without providing procedurally PROPER validation of the debt, constitutes the use of interstate communications in a scheme of constructive fraud. 

Authorized Signature of Creditor : Date :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I check my credit score on XXXX XXXX and realized it dropped 20 points. When I went to figure out why I realized someone opened a credit card in my name and maxed it out with a balance of {$1000.00}. I called the credit card company, Synchrony, and filed a fraud claim and had the account closed immediately.

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 2021-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
case # XXXX - XXXX was closed after the response from the company stating " Your dispute was received and the debt was validated by the original creditor. If you have proof of cancellation or payment, please send it to our office '' This response has nothing to do with the Affidavit of truth that was sent out on XX/XX/2021 that wasn't responded to correctly and had nothing to do with the validation of debt. 

An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true '' A notice of Default and Opportunity to Cure was sent out on XX/XX/2021. 

You do not have the right to dictate the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On Thursday XX/XX/XXXX chime bank made a decision to deny my disputes for multiple charges from XXXX XXXX for {$4.00}, {$4.00}, {$4.00}, {$9.00}, and {$19.00} on XX/XX/XXXX. also charges from 2 XXXX for {$100.00} and {$39.00} also on XX/XX/XXXX. I did not authorize or give anyone permission to use my card. None of these purchases are mine and I have no knowledge of their origin. I have never even heard of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2021, I purchased a XXXX from XXXX XXXX on Amazon with my Amazon Store Credit Card ending in XXXX. On XX/XX/2021, I received the walker which was defective. I contacted the Seller, XXXX XXXX, requesting a refund and after a couple of weeks they finally responded and they issued a return label for me to return the item, refund. On XX/XX/2021, the item was picked up by XXXX and returned to XXXX XXXX. After NOT receiving my refund, I contacted Amazon Store Credit Card and started a dispute. After Amazon Store Credit Card did NOT respond to my request for dispute, and each time I called them I would receive a call center representative in XXXX who would NOT resolve the problem, I sent them a letter via FAX ( see attached fax receipt ) and via Certified Mail ( see attached letter and certified mail return receipt verifying they DID get my letter ). I contacted Amazon support where I purchased the item off of and they sent me an email stating that the refund was issued XX/XX/2021, after I had disputed the item with Amazon Store Credit Card, however it was not and has NOT posted to my Amazon Store Credit Card account. Even after I sent a letter via fax and certified mail with return receipt ( attached herein ) and several weeks have passed since XX/XX/2021, since I first started a dispute, STILL my refund has NOT posted to my account after several weeks. I am making this CFPB complaint because Amazon Store Credit CARD refuses to cooperate in posting my refund of {$150.00} to my credit card account and every time I call or email I am stonewalled by representatives of Amazon Store Credit Card. I am requesting that my refund of {$150.00} be posted to my Amazon Store Credit Card account as soon as possible without any more stonewalling.

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 2021-04-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021 I paid my account in full with XXXX XXXX From XX/XX/2021 - XXXX I've disputed the balance with all 3 credit bureaus I've called all 3 credit bureaus they're stating that credit one is continuing to report that i haven't made a payment. 
I spoke with credit one 's customer service reps multiple times and they keep apologizing and telling me to have the credit bureaus call again and they'll give them updated info and accurate info and have not kept their word. 
My credit score continues to drop due to this

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 2021-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
On XX/XX/2021 a " hazard insurance '' fee was posted to our account in the amount of {$1900.00}. We called numerous times to figure out what this charge was since we called our homeowner 's insurance company and they verified that it was not from them. We made four calls to Freedom Mortgage trying to figure out why we were being charged this amount and nobody could tell us what it was for. We were charged a {$60.00} late fee, and our XXXX payment was put into escrow causing a non-payment because we did not pay this additional fee as we did not know what it was for. On XX/XX/2021 I finally spoke with a manager who said they took off our homestead act documents in error. They said they would reverse this error, however we had to pay the additional monies or our account would be in default. We were forced to pay the money and were told we would not get it back until we close our account with Freedom Mortgage. Again this month we were charged as if we did not file for the homestead exemption even though they have our documents on file. We will be in default again if we do not pay this money. 
We need help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: NJ

Complaint narrative:
Experian continues to show an inaccurate public record - Chap XXXX Bankruptcy on my credit report. Experian claims they are getting this data from XXXX XXXX and asked me to contact them. I did and after investigation, XXXX XXXX removed this entry from my file. However, Experian continues to report this entry despite numerous disputes. I have contacted XXXX XXXX and they informed me that they have notified Experian regarding the update to my file but that they can not control what is being shown by Experian.

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 2021-04-10 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:
requested reporting company to remove fraudulent items from my credit report agency did not follow law and remove items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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.
State: NY

Complaint narrative:
My case number is XXXX On XX/XX/XXXX I posted a ticket to coinbase support regarding being locked out of my account. Coinbase support responded on XX/XX/XXXX and requested that I complete a few steps to recover my account. I responded immediately and executed all steps that I was asked. 

My last correspondence with Coinbase support was on XX/XX/XXXX@XXXX XXXX EST. They stated that given the nature of my case, a specialist would be needed to resolve the matter and that they would respond once the specialist has worked on the account. 

I sent a follow up email on XX/XX/XXXX and XX/XX/XXXX - no response. Yesterday, XX/XX/XXXX, I tried to contact coinbase support on XXXX - no response. 

Today, we are officially 2 months out ( from the initial response ) and still no updates from Coinbase. I have been locked out of my account and can not access my currency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: SC

Complaint narrative:
It shows on my motor report history as if my license is suspended because of XXXX use ... when in fact that's only my cdl permit that was suspended not my regular drivers license and that's only because I refused to take a test. That has nothing to do with my regular drivers license and nothing to do with my driving history as it had nothing to do with me driving and it's affecting me being on uber.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX  continues to show an inaccurate public record - Chap XXXX Bankruptcy on my credit report. XXXX claims they are getting this data from Lexis Nexis and asked me to contact them. I did and after investigation, Lexis Nexis removed this entry from my file. However, XXXX  continues to report this entry despite numerous disputes. I have contacted Lexis Nexis and they informed me that they have notified XXXX  regarding the update to my file but that they can not control what is being shown by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I applied for financing on vehicle and to trade in my current vehicle. When the dealership pulled my credit report, they found a repossession on my current vehicle perventing me from getting new transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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.
State: PA

Complaint narrative:
I have had a coinbase account for about 2 years. On XX/XX/21 I got emails where my ethereum in my coinbase account was transferred to XXXX. I have not made any transactions on the account in awhile and so I was concerned. When I tried to get into the account it would not let me in. There is an option for help with support and I opened a complaint ticket XXXX explaining my problem. they replied back telling me they need to some investigating and then they replied back that the issues was resolved and that i can log in. I have changed the passwords and done everything the emails direct me to do but I still can not access my account. I know the account is there because they will send me notices about tezos stacking rewards but i cant access the funds. the cryptocurrency is increasing in value so I know that the value of the account has also increased. What was about XXXX is probably closer to XXXX if not more now and I can not get into the account. I have reached out and readdressed the ticket about 3-4 times with the same nonsense response and i am still unable to access my account. 
I would appreciate anything you can do to help XXXX XXXX

Company response to consumer: Closed with monetary relief