vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was never advised that XXXX bought out my security co XXXXXXXX XXXX in XX/XX/XXXX. I was never contacted by XXXX or received any XXXX equipment. My payments were coming out of my checking acct. I do not use my security system very often. I was going out of XXXX, XXXX and attempted to set my alarm when I realized my system was not working. I had made payments for XXXX, XXXX & XXXX. I called my bank and had these payments revered. I called XXXX advised them of the situation and ask my acct be closed. They told me I was under contract. When I ask for a copy of the contract, the contract dates had expired. The contract date was signed XX/XX/XXXX for a term of three years expiring XX/XX/XXXX. They have now reported me to Trans Union as missing a payment. Which has effected my credit score severely. They have a collection agency calling and harassing me : XXXX, XXXX XXXX XXXX, The XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX Al XXXX, ( XXXX ) XXXX ext XXXX. Have reported this to Transunion. The response did not give me a resolution and still shows me missing a payment.

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 2021-07-26 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: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I appropriately notified the company prior to losing employment on XX/XX/XXXX of this year financial hardship and then afterwards when I requested to use the unemployment insurance that I paid for when I set up the loan with them and I sent all the appropriate paperwork as well. They continue to reach out to me and my family members and friends regarding payment on this account however the unemployment insurance was properly applied for and all of the appropriate paperwork was faxed to them for that to be put through and I had just recently notified your office of the same problem on a separate ticket and they had reached out and it seemed as if they were going to correct the situation on my credit report and did somewhat but when I checked again they have again reported this as a delinquent accounts it is showing up and ran and is showing as past due which it should not be as it shouldve been covered by the unemployment insurance I paid for from XXXX through now as Im still unemployed and I am also working with the governors office they have filed a XXXX claim for me as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 I ordered a Doggy Seat Belt for advertised price of {$9.00}. This company processed the order for {$36.00} Item # XXXX. Then it processed an unauthorized order for {$9.00} # XXXX for a No-Pull Harness ( S ) + 1 Lease. I did not order a Harness or a Lease for {$9.00} that price was for a Doggy Seat Belt. 
That is the only item I authorized, a Doggy Seat Belt for {$9.00}. Now what is odd to me is that a No Pull Harness + 1 Lease for {$9.00} is so much lower in price for two items, ( of which I did not order nor did I receive ) than a Doggy Seat Belt for {$36.00} which is a Strap of about 2ft. with a latch that buckles to the seat belt clasp. That's it! I called the Bank of America the very next day and there was a complaint filed. They investigated, and denied my claim, and also mentioned my History on my bank account. ( This is discrimination ). If this is how they reached a decision on my case. I disputed the decision and they denied that, closing the case.

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 2021-07-26 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
I received 6 debit cards linked to 6 different Charles Schwab bank high yield investor checking accounts. I never opened any such accounts, in fact, I have no accounts with charles schwab. I called the company and they have put a fraud alert on the accounts but they recommended that reach out to this agency. 
The rep was unable to give any details, not the date account was opened or the contact details used for the transaction. 
I recently unfroze by credit about 3 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I appropriately notified the company prior to losing employment on XX/XX/XXXX of this year financial hardship and then afterwards when I requested to use the unemployment insurance that I paid for when I set up the loan with them and I sent all the appropriate paperwork as well. They continue to reach out to me and my family members and friends regarding payment on this account however the unemployment insurance was properly applied for and all of the appropriate paperwork was faxed to them for that to be put through and I had just recently notified your office of the same problem on a separate ticket and they had reached out and it seemed as if they were going to correct the situation on my credit report and did somewhat but when I checked again they have again reported this as a delinquent accounts it is showing up and ran and is showing as past due which it should not be as it shouldve been covered by the unemployment insurance I paid for from XXXX through now as Im still unemployed and I am also working with the governors office they have filed a XXXX claim for me 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 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Ive filed a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I, the consumer, in fact, am a victim of identity theft, and pursuant to 15 USC 1681c-2 I am requesting the block of such information resulting from such identity theft from my consumer report. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in error nor is there any material misrepresentation by me the consumer so my request should not be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX for all poor Americans. XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Every single businesses and employment facilities as well as consumer agencies when providing employment references and credit line to us Americans. As they happen to judgment of our credit score and our credibility putting all American at great risk. We loose employment opportunities as we also get the turn down of credit line. This longterm unemployment and loss of credibilities of poor people have put us at the very low bottom of society. All business and consumers need to notified by your agency- not to destroy down slowly yet financially circumstance of all Americans as majority of poor public. This is concerning when they docket us down on our credit score and lead us out of the doorway. As for instance my credit score is XXXX, yet at the scale and realm of every other consumer my credit is at XXXX score average. I have send a complaint before, but I didn't receive any responses as what had done about the problem. Contact me either with the mail, or, an email should be sufficient to follow-up about all the matters related. 

We as poor public who happen to pay higher at the end of all transactions. Perhaps if I could have your attention in notifying of all businesses and banks retrieving credit files of potential customers to them- tell of them not to judge of our credibility & trust as one people in that manner they have been doing so far along 28 years. 


Respectfully, XXXX XXXX '' A women lady 's baby women ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Greetings, My name is XXXX XXXX, I sent 3 letters to XXXX XXXX XXXX regarding an unverified item listed below, which remains on my credit report in violation of Federal Law. I asked for a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. They never responded, I did not borrow money from XXXX. I demanded proof of a contract signed by me at the time of the loan signing agreement, they were not able to send me any proof. 
I demand that the unverified account be removed from my credit report on Experian Account Name : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Fraudulent order placed on XXXX on XX/XX/2021 for {$74.00} and billed on my Alaska  Bank of America ( BOA ) VISA card on XX/XX/2021. I immediately disputed the charge with BOA. On XX/XX/2021 BOA denied the fraud claim stating " the merchant provided documentation confirming you received the merchandise or service '' but providing no documentation supporting their claim. On XXXX, XXXX, 2021 I requested BOA provide documentation of the merchant 's documentation which BOA refused to provide until XX/XX/2021 when I was provide nothing more than a XXXX tracking number as proof of receipt. XXXX tracking documentation shows that the alleged XXXX merchandize was shipped to and received by inside commercial delivery to someone other than me, and at a commercial address not associated with me. The merchandise was shipped to the address of major local hotel ( verified by XXXX documentation ) and shipped to and received by the hotel 's listed General Manager. 

Had BOA conducted even a cursory investigated using the UPS tracking number me they provided me after denying the fraud claim, they would have discovered that the merchandize was not shipped to me or received by me. There is no factual basis for BOA to deny the fraud claim or to support the BOA 's claim of receiving documentation confirming receipt of merchandise fraudulently purchased with my BOA credit card.

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 2021-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've requested BB & T Bank XXXX XXXX department and XXXX, company that manages BB & T rewards program, on numerous occasions, to provide me with a detailed statement, from date of inception - current. This is to include date, amount, number of points redeemed, number of points available. I need this information on 3 business accounts under the name of XXXX XXXX, XXXX. This is required by family court in a civil matter and is required for equitable distribution. I

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 2021-07-26 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: AL

Complaint narrative:
I sent a letter over 45days ago regarding my consumer report and I feel like my request is being ignored because this is the second time I have sent a letter. I'm trying to buy home and if I dont get this taken care of immediately I will lose out on not only my earnest money but a place for my family to live. Please help me with these reporting agencies becuase I just keep getting the same response when I call it will take 30 days and its been 2 months. I don't know how much more of this mess I can take. I'm just trying to provide a better place for my daughter to live!!!

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 2021-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I was initially scammed by a party pretending to be XXXX. After I realized that I was scammed I notified XXXX and they continued to bill me even though they soon turned off the service. I didn't receive a bill in the mail or neither was there a phone call to attempt to collect the debt. I didn't trust the communication through email since the scammers were aggressively trying to scam me using a similar email with the XXXX logo. I didn't respond to any emails because of this. I don't recall ever authorizing for me to only receive bills via email notifications that require me to provide password and security credentials to login similar to the scam. 

Instead they continued to email me in the same manner the scammers were emailing me using the same XXXX logo.. I am currently paying down the amount owed to the collection agency, Credence Resource Management. 

I want to make you aware of the lack of communication and notice given of my bills. They also didn't give me credit for the equipment that I returned and have a negative mark on my credit despite me having an open case with XXXX and Credence to clear the remaining balance of {$190.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/21 I made a {$1900.00} withdrawal from my Coinbase account to my bank account. On XX/XX/21, this withdrawal posted to my bank account as expected. However, on XX/XX/21, I get an email that this withdrawal failed and a credit was posted to my Coinbase account. I did not realize that the XX/XX/21 withdrawal actually posted, so on XX/XX/21 I tried to withdraw again. Coinbase realized that there was an issue with ACH transfers on this day, and took the {$1900.00} credit back on the account, resulting in them selling some of my assets and leaving me with a negative USD balance. 

They then proceeded to lock my account, asking for me to pay back what I owe. They aren't telling me how much I owe, and they are keeping my assets for ransom. They are not responding to any of my customer service emails

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-26 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This complaint is regarding Complaint XXXX Experian responded stating that I needed to state exactly what the inaccuracies were and personal information. I have previously sent all this information by mail and no luck in them responding to my disputes. Under Complaint XXXX all the documentation was attached that was previously sent via usps mail at this point this is clearly a stall tactic and I will have to take further if this is not corrected after this complaint to FTC I have kept all documentation I have sent them over and over my disputes of my concerns and they are the ONLY BUREAU refusing to honor my request as a consumer. At this point you have past the timeframe and I know that they have received all my mail due to nothing coming back to my address showing return to sender. I am now demanding removal or please be prepared to issue payment to me due to filing a civil lawsuit with my consumer attorney for them violating my rights this is ridiculous at this point.

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 2021-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
my complain is with fay servicing XXXX they took over the loan from XXXX XXXX XXXX # XXXX now im in forecloure never got a notice in the mail, also we had XXXX  in XXXX i left the company know i needed help which the agreed to please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
The collector Jefferson Capitol LLC on XXXX XXXX at which time the call dropped and I returned the call at XXXX, and never received written notification of debt. I spoke to a manager by the name of XXXX today who informed me to put it in writing and mail to her. I sent them a certified return receipt letter today as well.

Company response to consumer: Closed with explanation