vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I went to FIFTH THIRD BANK for a consumer credit transaction. 
FIFTH THIRD BANK denied my credit application & sent an adverse action. 
Denying my application & sending an adverse action is considered DISCRIMINATION against me the Consumer. 
Me the consumer & natural person was excising his rights under Title 15 Chapter 41 when FIFTH THIRD BANK was DISCRIMINATING. 
FIFTH THIRD BANK is also committed fraud by denying my credit application for the extension of credit. 
This company violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor.

Pursuant to Title 15 U.S. Code1602 ( f ) credit means the right granted.

Title 15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card.

Title 15 U.S. Code 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card. EXTENDING CREDIT IS MY RIGHT UNDER TITLE 15 CHAPTER 41. FIFTH THIRD BANK showed discrimination because I was exercising my rights under Title 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION.

FIFTH THIRD BANK Failed To Comply With Title 15 U.S. Code 1691a ( 3 ) because the applicant has in good faith exercised any right under this chapter.

Title 15 U.S. Code 1691e ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.

Title 15 U.S. Code 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection. FIFTH THIRD BANK denied my credit application thats an UNAUTHORIZED ACCESS DEVICE & UNAUTHORIZED CREDIT CARD US Pursuant To Title 18 U.S.C. 1029 ( e ) ( 3 ) & consider a CRIME Pursuant To Title 18 U.S. Code 1029

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: CA

Complaint narrative:
I HAD PREVIOUSLY SUBMITTED A CFPB COMPLAINT AGAINST XXXX XXXX  WHICH IS ONLY REPORTING TO EQUIFAX BUT THERE WAS NO RESOLUTION. IT SEEMS THAT MY COMPLAINT WAS UNABLE TO GET TO XXXX XXXX. SINCE EQUIFAX IS THE REPORTING AGENCY, I AM NOW FILING A COMPLAINT AGAINST EQUIFAX FOR REPORTING INACCURATE INFORMATION. I SETTLED IN FULL THE BALANCE OWED ON FRONTIER COMMUNICATION YET THEY ARE STILL REPORTING A BALANCE. THIS IS A VIOLATION TO OUR SETTLEMENT AGREEMENT. XXXX XXXX NEEDS TO BE DELETED IMMEDIATELY. I HAVE ATTACHED PROOF OF MY PAYMENT TO FRONTIER COMMUNICATION AS WELL. EQUIFAX IS REPORTING FALSE AND INACCURATE INFORMATION WHICH IS HURTING MY CREDIT. DELETE ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: ATG Credit, LLC
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! ATG Credit , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2021-08-24 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: NY

Complaint narrative:
I sent a letter to transunion because I noticed some accounta being furnished that are not supposed to be. in there response they asked for proof of identification so I sent them my license and social security card. I have not yet recieved a response from themm regarding these account that should be removed from my consumer report. it has been more than 60 days. I also got a copy of my report stating it's deleted but I still see it being reported online and again it's been more than 60 days

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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
RE : Letters Submitted : XX/XX/2021 XX/XX/2021 & CFPB COMPLAINT XXXX FEEDBACK SUBMITTED XX/XX/2021 I called and spoke with a TRANSUNION representative about my report on XX/XX/2021. I was only provided a partial report with no score. When I spoke with the rep I was told that I would receive a new report and updated score once the full disputes had been compete. On XX/XX/2021 I received the new credit report but again it was partial information not a new full report with newly updated score. I do not have pay for a new score as the partial credit report sent to me states. I am entitled to accurate and fair reporting as the consumer. 

On XX/XX/2021 your organization responded to my complaint to the CFPB saying : Within 30 days, we will close out your dispute and advise you of the results in writing. You have not done so and you are in violation. Because you have not provided me with an updated credit report and score and have failed to respond to my written disputes within 30 days which makes you in violation of FCRA Section 611 Part ( A ) ( 1 ).

It is obvious that TRANSUNION has attempted to circumvent the system and I will report this if they do not comply. Since XX/XX/XXXXI have provided documentation and asked for them to investigate then delete this inaccurate information from my report and provide me with a newly updated report and score. It is now XXXX and TRANSUNION has failed to comply with the law. 

Also you are attempting to Re-age my account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. I am certain you are aware of the FCRA Section 605 ( c ) Running of the reporting period of which you are also in violation of. Its the original date of when the debt was incurred that determines when it is removed from your 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 2021-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Thank you in advance for your time and attention to this matter. 

I am writing because I have met all the requirements for loan forgiveness under the Public Service Loan Forgiveness Program ( PSLF ). For the last ten years, I have been a social worker at an employer that qualifies under PSLF. PHEAA/FedLoan Servicing have processed payments for 9 out of 10 years ( 108 out of 120 eligible payments ) and acknowledged that my employer qualifies. As of XX/XX/2021, I have submitted a certification to PHEAA/FedLoan Servicing that I have made all 120 of the payments required to process my loan forgiveness and forgive the remaining balance of my loans. Since that time ( ie for the last ~5 months ), my application for loan forgiveness has been in limbo with PHEAA/FedLoan servicing. I follow up regularly through various available channels but am never able to get more than perfunctory answers to questions about when my loan will be processed for forgiveness. The most I am told, repeatedly, for months now, is that PHEAA/FedLoan Servicing needs to verify my employment with a qualified employer. However, as mentioned, I have been at the same employer for years, and PHEAA/FedLoan Servicing has, in each year except this last one, timely verified my employment and confirmed that the employer is qualified. As a result of PHEAA/FedLoan Servicings refusal to certify my most recent year of employment, I am administratively stuck on 108 out of the 120 eligible payments. I am particularly distressed because it is clear that PSLF applicants are being processed on a regular basis these days, but my application is being left behind for unclear reasons. I have fulfilled my obligations and responsibilities towards loan forgiveness under the PSLF Program over ten strenuous years in public service. I am hoping that you can use the influence of your office to help push my application through. Thank you again. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase bank issued my auto loan for a used car I purchased last fall from the dealer. The issue I've had is that while the loan agreement expressly allows for me to make payments up to 90 days in advance Chase 's setup makes this almost impossible to do. If you submit a payment online and indicate it's a monthly payment the system changes it to a principal only payment without asking or telling me. If you send a check with a letter specifically directing the payment to be made for upcoming month 's payments they still do the same thing if you pay online. Even when I made a payment over the phone with a representative and specifically instructed how to apply the payment they lied by saying it would be applied to a following month and still made it a principal payment. 
The only way to actually get the payment applied correctly is to call back after making the payment and having a representative reverse it out and then reapply. This process takes up to an hour each time and the time period to fix the payment can be up to a week. 
It is clear Chase has this set up to make it difficult to pay ahead and allow them to try and violate the terms of their own loan. I finally just paid it off so I wouldn't have to continue to work with Chase bank but this process that they forced seems very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: MS

Complaint narrative:
on XXXX my XXXX XXXX ACCOUNT # XXXX XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points 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 2021-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
So I filed a previous complaint under Complain ID XXXX because I thought that the issue was with the receiving entity XXXX XXXX. After doing some additional digging I was able to find a thread on XXXX that describes issues with the MEMO tag on CoinBase Pro transfers disappearing when or after initiating the transfer of funds. I am 100 % positive that I inserted a MEMO tag in the transfer line and that it disappeared when i initiated that transfer. 

I can not get a human to respond from CoinBase and have only received automated Bot responses from the submissions i have sent them. This is a known issue with CoinBase and I consider this a theft of funds since it is a known issue that they have filed to fix. 

On XXXX I initiated a transfer of XXXX of XLM from Coinbase Pro to XXXX  Coinbase Pro shows the transfer as complete and I have yet to receive the funds in my XXXX XXXX account. I have also sent multiple messages to XXXX XXXX to see if they can fix it and they have yet to respond either with anything more than an automated bot response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit score decreased by 67 points. I reviewed my credit reports with XXXX  and Equifax ( XXXX  said I already received my free report for the year ), and I dont have any recent late payments. My credit score dipped over 100 points a few years ago from a late payment, and it took me three years to recover and increase my score up to XXXX. Now my score decreased by 67 points in the span of one month. I dont have any new missed payments and my credit utilization is low. I would like an explanation as to why it has decreased so drastically. Is my old missed payment being counted against me a second time? IIm hoping its an administrative error, but would like clarification. I cant think of another reason my score would drop so significant in a short amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NV

Complaint narrative:
I sent an FTC Identity Theft Report to Equifax to dispute inquiries on XX/XX/2021, I received a letter that I will attach to this complaint informing all the inquiries that have been removed from my credit report. I checked my report right away after receiving the letter and discovered that many of the inquiries and items that the letter says that was removed are still on my credit report.

When I called Equifax about the issue they said that I have to send the documents again to start the dispute process one more time.

I sent another FTC Identity Theft Report to Equifax, with the disputed inquiries very clear and Equifax keeps sending me letters that they can't find my credit file even that I sent documents to prove my identity.

The last letter I received from Equifax shows that all the inquiries disputed and listed in the identity theft report will stay in my report because they are factual records of file access even that they are included in the identity theft report and I received the attached letter from Equifax informing that they were removed before.

Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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:
I have been trying to get these fraudulent accounts off my credit for some time now. In XXXX I sent in a mail document to get these fraudelent account off but i still havent heard back. Its been well over 60 days now. I called the credit bureaus to figure out whats going on and they told me that there was an error on my FTC report that i needed to date the account. This doesnt make any sense to me at all. Also, I have a few unauthorized credit inquires on my credit profile. I did not authorized noone to check my credit report. I have never done business with this company. I have attached the updated FTC report along with my Drivers license

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 2021-08-24 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:
I have been trying to get these fraudulent accounts off my credit for some time now. In XXXX I sent in a mail document to get these fraudelent account off but i still havent heard back. Its been well over 60 days now. I called the credit bureaus to figure out whats going on and they told me that there was an error on my FTC report that i needed to date the account. This doesnt make any sense to me at all. Also, I have a few unauthorized credit inquires on my credit profile. I did not authorized noone to check my credit report. I have never done business with this company. I have attached the updated FTC report along with my Drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Phoenix Financial Services LLC
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Phoenix Financial Services, LLC 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation